A Georgia insurer wants to hand every attendee at a marketing seminar a modest merchandise item, and no application will be accepted at the event. Under Georgia's rebating rules, what is permitted?

Why B is correct

Under O.C.G.A. § 33-6-4(b)(8)(C)(x), Georgia permits prizes, goods, gift cards, tickets, or merchandise that do not exceed $100 in value per customer in the aggregate per calendar year, provided they are not contingent on a sale or renewal; premiums themselves may never be rebated. The exception is narrow, because once the gift is tied to buying or renewing a policy it becomes an unlawful rebate.

Why the other options are wrong

• A) Value and contingency both matter; an unlimited gift is not permitted, and any gift contingent on a sale is a rebate. O.C.G.A. § 33-6-4(b)(8)(C)(x).
• C) The cap is $100, not $25, and a gift contingent on purchasing a policy is prohibited even at a modest value. O.C.G.A. § 33-6-4(b)(8)(C)(x).
• D) Modest non-contingent merchandise up to $100 per customer per calendar year is expressly allowed; a total ban is not the rule. O.C.G.A. § 33-6-4(b)(8)(C)(x).

Memory hook

Freebies OK under $100 a year — but never 'buy a policy, get a gift.'