State RegulationsFL specificDifficulty 3/5
A Florida insurer sells Medicare supplement policies through direct mail solicitation. Which statement about Buyer's Guide delivery for these sales is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under Fla. Stat. 627.674(4)(f)3, the Buyer's Guide must be delivered at the time of application in Medicare supplement sales, but direct-response sales are excepted because the required disclosures are incorporated into the mailed solicitation itself. The exception is narrow: it applies only to direct-response distribution, not to agent-sold policies, and it does not eliminate disclosure duties for Medicare supplement coverage generally.
Why the other options are wrong
- A) The statute expressly excepts direct-response sales from the at-application delivery rule.
- B) Buyer's Guide duties apply broadly to Medicare supplement sales; only the direct-response method is excepted.
- C) No post-issue delivery window substitutes for the disclosure regime; direct-response materials carry the disclosures.
Memory hook
Mail-order Med Supp: disclosures travel inside the mailing.