State RegulationsMA specificDifficulty 3/5
Which statement best distinguishes the advertising rule from the marketing-standards rule for Massachusetts Medicare supplement coverage?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
The Massachusetts Division of Insurance assigns these two rules different targets. 211 CMR 71.17 polices advertising — the messages about Medicare supplement policies that reach the public — while 211 CMR 71.16 polices marketing conduct — how producers and insurers solicit, present, and pressure applicants during the sales process. A flyer's wording is an advertising question; an on-the-spot sales pitch is a marketing-conduct question. Candidates who treat the sections as interchangeable miss this recurring distinction.
Why the other options are wrong
- A) The two rules are not split by group versus individual lines; both address Medicare supplement selling in Massachusetts.
- B) The mapping is backwards and misplaced: advertising content is 211 CMR 71.17, and compensation is governed by 211 CMR 71.18, not either of these.
- C) The rules cover different subject matter — ad content versus sales conduct — so they are not interchangeable.
Memory hook
Ads are what you print; marketing is how you sell — 71.17 and 71.16 respectively.