State RegulationsGA specificDifficulty 1/5
Under Georgia's unfair trade practices statute, misrepresentation includes:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
O.C.G.A. § 33-6-4(b)(2) prohibits misrepresenting the terms, benefits, advantages, or dividends of a policy, as well as making any misrepresentation for the purpose of inducing a policyholder to lapse, forfeit, or surrender coverage. Accurate statements about one's own product remain the benchmark; the violation begins when descriptions of what a policy does or pays stop matching the contract the customer actually receives.
Why the other options are wrong
- A) Favorable comparisons built on accurate figures are lawful competition, not misrepresentation.
- B) Honestly explaining exclusions is required conduct, the opposite of misrepresenting benefits.
- C) Quoting the filed premium exactly is accurate disclosure, not a misrepresentation.
Memory hook
Say what the policy does — not what it doesn't.