State RegulationsIL specificDifficulty 1/5
Under the Illinois rule governing life insurance advertising, what standard must every life insurance advertisement meet?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
50 Ill. Adm. Code 909 requires every life insurance advertisement used in Illinois to be truthful and not misleading, both in fact and by implication. The rule reaches not only express statements but also omissions and impressions, so an ad can violate it without containing a single false sentence. Insurers and producers who disseminate misleading advertisements face disciplinary action by the Director of Insurance.
Why the other options are wrong
- A) The advertising rule disciplines content, not a blanket pre-use filing system; a filed or reviewed advertisement is still unlawful if it misleads.
- C) Displaying a producer's license number is not the operative content standard under 50 Ill. Adm. Code 909; a licensed producer's ad is still prohibited if it misleads.
- D) The Director of Insurance does not pre-approve advertisements; liability attaches after the fact when an advertisement is found misleading.
Memory hook
Truth in fact and truth in impression: if the ad misleads either way, the rule is broken.