Which of the following indicates a commitment to consumer disclosures in pre-need contracts?

The answer indicating a commitment to consumer disclosures in pre-need contracts is that all fees need to be disclosed. This requirement aligns with the principle of transparency in financial transactions, particularly concerning funeral services and pre-need arrangements, where consumers typically make significant financial commitments.

By mandating that all fees are disclosed, it ensures that consumers have a complete understanding of their financial obligations and the total cost involved in their pre-need contracts. This transparency helps in preventing misunderstandings or disputes regarding what services are included and what additional charges may apply. It reflects a commitment to consumer protection, allowing individuals to make informed decisions when planning for funeral services.

The other options do not embody this comprehensive approach to consumer transparency. For example, focusing only on time limits for refunds or guarantees limits the scope of the information provided to the consumer, which fails to adequately inform them of all potential costs associated with their agreement. Therefore, the requirement to disclose all fees is vital for fostering informed consent and consumer trust in the pre-need contract process.