State RegulationsGA specificDifficulty 2/5
Under Reg. 120-2-11-.10, which advertising practice is prohibited?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Reg. 120-2-11-.10 prohibits advertisements that imply benefits not contained in the policy, imply Insurance Department approval of the policy or its illustrations, suggest stockholder-type ownership or profits, or use dividend projections that do not comply with the rules. Suggesting that the Department has endorsed an illustration borrows regulatory authority the Department never lends, since approving a form is not a seal of merit for consumers.
Why the other options are wrong
- B) Stating the guaranteed death benefit is accurate disclosure of a policy term and is permitted.
- C) Describing the waiting period truthfully is required clarity, not a violation.
- D) Listing the insurer's home office address is neutral, factual information the rule does not restrict.
Memory hook
The Department approves forms, not merit — never imply its blessing.