State RegulationsFL specificDifficulty 2/5
To avoid committing sliding when offering an optional ancillary product alongside a policy, a Florida agent must
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Fla. Stat. 626.9541, the cure for sliding is informed consent: the agent must disclose that the supplementary product or service is optional, state its cost, and obtain the applicant's agreement before including any charge. Consent obtained through a false claim that the law requires the purchase is not informed consent and does not protect the agent.
Why the other options are wrong
- A) Insurer approval addresses the product's marketability, not the customer's consent to the extra charge.
- B) The $100 figure is the advertising-gift ceiling under a different provision; it does not cap supplementary charges.
- D) No DFS filing requirement exists for such sales; compliance turns on disclosure and consent.
Memory hook
Optional means told, priced, and agreed.