State RegulationsFL specificDifficulty 1/5
A Florida agent takes a Medicare supplement application during an in-person sales call that is not a direct-response sale. When must the Buyer's Guide be delivered?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Fla. Stat. 627.674(4)(f)3, in a Medicare supplement sale that is not direct response the insurer, through its agent, must deliver the Buyer's Guide at the time of application so the applicant can compare coverages before committing. Direct-response sales are excepted because the required disclosures are built into the solicitation materials themselves.
Why the other options are wrong
- B) A post-issue mailing window defeats the purpose; the guide must be in the applicant's hands when the application is signed.
- C) Delivery at policy delivery is too late under the Medicare supplement rule tied to the application.
- D) The free-look period is a cancellation right; it does not substitute for delivering the Buyer's Guide at application.
Memory hook
Med Supp rule: guide at the app, every app, except mail order.