Which of the following insurers is NOT committing an unfair trade practice?

The action taken by ACME Insurance in providing stock options to agents who exceed their sales quotas is not an unfair trade practice because it serves as an incentive-based reward system aimed at enhancing performance and encouraging productivity among agents. This practice is typically viewed within the bounds of standard business practices where companies motivate their agents to increase sales through legitimate and acceptable means.

In contrast, the other options involve practices that can be classified as unfair trade due to their potential to undermine market fairness and competition. For instance, having a deal that forces home buyers to use a specific insurance provider limits consumer choice and could be seen as coercive. Similarly, offering kickbacks can lead to unethical behavior and conflicts of interest, while providing bonuses for enrolling customers in multiple policies could pressure agents to prioritize quantity over quality in service provided, which can negatively affect consumer interests. Each of these practices raises concerns over ethical conduct and equitable business practices, while the stock options provided by ACME Insurance maintains a fair competitive landscape among agents.