FLORIDA BAR ETHICS OPINION
October 20, 1967
Advisory ethics opinions are not binding.
An attorney may not refer clients to an insurance carrier to procure insurance and thereafter
without knowledge of the client be compensated by the carrier upon a sale of insurance.
Note: See Opinion 70-13, which indicates that an attorney may receive a fee for referring a
client to a financial institution provided that the client consents after full disclosure and the
client receives the benefit of the referral fee.
64-33, 64-70, 67-10, 67-11
Chairman MacDonald stated the opinion of the committee:
A member of The Florida Bar poses the following inquiry:
May an attorney in Florida recommend persons to insurance carriers and
simultaneously describe in a brief form a proposed insurance contract with the
knowledge that the insurance company is to pay what amounts to a referral fee for
each contract actually sold to those recommended?
This proposal is such that the attorney involved would write a letter of
recommendation, although he would not recommend the company or the program.
He would be a contact man and would furnish sufficient information about
prospective policy holders to the company.
The prospective policy holders, to whom the insurance company was
introduced, would not be aware, ordinarily, that the attorney was making money
from the referral.
The precise nature of the recommendation and proposal are not clearly stated. However,
it is our assumption that at least in a significant number of instances the procedure outlined
would amount to an attorney referring existing clients, or persons reposing confidence or trust in
him, to an insurance carrier for the purpose of procuring insurance with the result that without
the knowledge of the client the insurance company upon a sale would compensate the lawyer for
We have previously discussed the relationships involving life insurance sales and
attorney s in a number of opinions, including our Opinions 64-33, 64-70, 67-10 [since
withdrawn] and 67-11. In light of these opinions we have no hesitancy in concluding that the
arrangement described is completely inconsistent with the duty owed by a lawyer to the client, is
devoid of fairness and candor, and is to be condemned as a departure from the ethical standards
expected of a lawyer.