What prohibited trade practice is committed if an agent provides misleading information regarding guaranteed dividends, terms, advantages, or disadvantages of a policy?

misrepresentation

Explanation:

Based on the information provided within the question it can be said that the prohibited trade practice that is being mentioned is called misrepresentation. Like mentioned in the question this term refers to an untrue or misleading statement of the actual facts made when dealing with contracts or negotiations. Usually done in order to convince the other party into entering the contract under false pretense.

"social stratification refers to the way people are ranked and ordered in society. in western societies, stratification is primarily seen and understood as a result of socioeconomic status, which produces a hierarchy in which access to resources, and possession of them, increases from the lower to the upper strata"