Members of the Million Dollar Round Table (MDRT) should be ever mindful that complete compliance
with and observance of the Code of Ethics of MDRT shall serve to promote the highest quality standards
of Membership. These standards will be beneficial to the public and the insurance and financial services
THEREFORE, MEMBERS SHALL:
1. Always place the best interests of their clients above their own direct or indirect interests.
2. Maintain the highest standards of professional competence by seeking to maintain and improve
professional knowledge, skills and competence.
3. Hold in the strictest confidence, and consider as privileged, all business and personal information
pertaining to their clients’ affairs.
4. Make full and adequate disclosure of all facts necessary to enable their clients to make informed
5. Maintain personal conduct that will reflect favorably on the insurance and financial services
profession and MDRT.
6. Determine that any replacement of a life insurance or financial product must be beneficial for the
7. Abide by and conform to all provisions of the laws and regulations in the jurisdictions in which they do
APPLICANT CERTIFICATION STATEMENT
(a) I have read, understand and agree to abide by all of the provisions of the MDRT Bylaws, its Code of
Ethics and the Applicant Certification Statement included in this material.
(b) I certify that I attained my 18th birthday by 12/31/2021
(c) My application to MDRT does not include any business resulting from the cancellation or surrender
of an existing policy, except for that portion of any such issued business which is in excess of the original
MDRT credit of such cancelled or surrendered policy or policies.
(d) I am personally eligible for the production credit claimed. I am entitled to all future credit on my paid
business as reported; I have not assigned or promised to assign any of these credits. Full details of any
exceptions are attached.
(e) If I am a Member of a corporation, a partner in a partnership, or associated with a corporation or
partnership as an employee on a salary or percentage of production basis, I have taken credit only for
the proportionate share of paid business to which I am entitled under the terms of my agreement with
(f) If a manager or general agent, I have taken credit only for business to which I am entitled. No part of
my qualification credits arises through overriding commissions or the equivalent thereof.
(g) No credit has been claimed for any business which is excluded, which includes the limitation on
personal production on my life, my spouse or dependents.
(h) I HEREBY AUTHORIZE MDRT to obtain from all sources such additional information and documents as
it deems advisable in connection with this application and applications for prior years. I hereby agree to
cooperate fully in obtaining and submitting such additional information and documents, including but
not limited to my hereby waiving of the privileges of any privacy laws. I hereby agree to cooperate fully
in obtaining and submitting such additional information and documents to release it, without incurring
liability to me, to MDRT upon MDRT’s request.
(i) By providing MDRT with your mobile phone number in this application, you are granting MDRT
permission to share your mobile phone number with third parties for the purpose of such parties
sending text messages to you regarding goods and services MDRT determines would be interest to its
members. Data and messaging rates apply to all text messages. You may cease receiving text messages
at any time by contacting the sender directly. MDRT seeks to have all third parties abide by its
confidentiality agreement and other legal restrictions which prohibit such parties from further use of