Allowing an applicant to sign a blank or incomplete application (B) violates ethical and legal standards, as it undermines transparency and could lead to disputes about coverage or claims.

Selling insurance to family members (A): Permitted as long as the transactions are conducted ethically and comply with Maryland laws.

Countersigning policies (C): Required in certain situations to validate contracts in Maryland.

Splitting commissions with nonresident producers (D): Permissible under Maryland law, provided both producers are licensed and involved in the transaction.