Under Michigan's 2022 annuity best-interest rule, which obligation is NOT one of the four explicit duties a producer owes the consumer in an annuity recommendation?

Why this is the answer

Mirroring NAIC Model 275, the Michigan rule articulates four obligations: care, disclosure, conflict-of-interest, and documentation. It explicitly states the standard is not a fiduciary duty in the ERISA or common-law sense, even though acting in the consumer's best interest is required.