State RegulationsFL specificDifficulty 1/5
Under Florida's fair marketing standards, an agent marketing a small employer health plan to a business owner:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Chapter 627, Florida Statutes, and the market conduct standards the Department of Financial Services enforces, marketing to small employers must be accurate: the benefits, premium, and renewal terms presented must match what the coverage actually provides. Misrepresentation in the sale of coverage is an unfair practice, so the small employer market depends on truthful presentation at the point of sale.
Why the other options are wrong
- A) Counting on the employer not reading the contract does not excuse describing benefits the policy does not provide.
- B) Quoting one premium and charging another is misrepresentation, a core unfair practice in the marketing of coverage.
- D) Discouraging comparison shopping undermines informed choice; fair marketing standards require accuracy, not isolation of the buyer.
Memory hook
Fair marketing = say it straight about benefits, price, and renewal.