Under Ga. Comp. R. & Regs. 120-2-94, when recommending an annuity to a Georgia consumer, the producer must act in the consumer's best interest by satisfying which four obligations?

Why this is the answer

Georgia's best-interest annuity rule, Ga. Comp. R. & Regs. 120-2-94, adopts the NAIC 2020 model and requires producers to satisfy four core obligations: the care obligation (reasonable diligence, care, and skill), the disclosure obligation (material information including compensation), the conflict-of-interest obligation (identify and avoid or mitigate conflicts), and the documentation obligation (record the basis of the recommendation). All four together constitute acting in the consumer's best interest under Georgia law.