State RegulationsFL specificDifficulty 2/5
In presenting a Medicare supplement policy to a Florida consumer, what must the agent do with the outline of coverage?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Fla. Stat. 627.674, the outline of coverage is a mandatory disclosure for Medicare supplement sales, and the agent must actually provide it to the applicant — a glossy brochure or sales sheet is not a substitute. The outline is what allows the consumer to compare the policy's real benefits and exclusions before buying. Substituting marketing material or withholding the outline until after purchase are disclosure violations the Department of Financial Services can punish.
Why the other options are wrong
- B) The outline goes to the applicant, not to a county recorder.
- C) No reading into a DFS record is required; delivery of the document to the applicant is what counts.
- D) The outline belongs with the applicant from the start, not in the agent's file until the free look expires.
Memory hook
Give the outline — a brochure is not a stand-in.