State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Under California law, cold lead advertising for long-term care insurance must do which of the following?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
CIC Section 10234.9(c) and Section 10234.93(b)(3) require cold lead marketing to disclose in a conspicuous manner that the purpose of the marketing is the solicitation of insurance and that contact will be made by an insurance agent or company. The disclosure prevents seniors from being misled into thinking a mailing is a survey or government notice. AH-V.2d anchors this California cold lead rule.
Why the other options are wrong
- A) Hiding the insurance purpose is exactly the misleading conduct the disclosure rule forbids.
- B) Implying government sponsorship is deceptive and prohibited in insurance solicitation.
- C) Guaranteeing savings in the headline is a misleading marketing claim, not a compliance device.
Memory hook
Cold leads must say the word: insurance solicitation and an agent will call — up front.