To promote her long-term care lines, a Florida agent wants to give small promotional gifts to prospects during a calendar year. Under Fla. Stat. 626.9541(1)(m), advertising gifts are exempt from the rebate prohibitions up to what amount per insured or prospective insured per calendar year?

Why D is correct

Under Fla. Stat. 626.9541(1)(m), advertising gifts and charitable donations are exempt from Florida's rebate and inducement prohibitions only up to $100 per insured or prospective insured per calendar year, and charitable contributions are capped at $100 per person per year. Promotional gifts above the ceiling become unlawful inducements, so the agent must keep every year's giveaway within the $100 limit.

Why the other options are wrong

• A) $25 is the ceiling for title insurance advertising gifts, not the general insurance advertising gift exemption.
• B) $250 is the penalty figure associated with uncertified continuing education compliance, not an advertising gift exemption.
• C) $12,500 is the current administrative penalty cap for a nonwillful unfair trade practice violation, not a gift exemption.

Memory hook

Gift cap is $100; $25 is title insurance only.