State RegulationsMA specificDifficulty 3/5
Which statement best distinguishes the appropriateness standard from the disclosure requirement in Massachusetts Medicare supplement regulation?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
The two requirements do different jobs under Massachusetts Medicare supplement regulation. 211 CMR 71.15 directs the producer's judgment: before recommending, the producer must assess whether the purchase is appropriate and not excessive for this applicant. 211 CMR 71.13 directs the insurer's paperwork: required disclosure materials must be delivered so the applicant can understand and compare the policy. One rule tests the recommendation; the other tests the information flow. Neither is automatic, and both apply regardless of whether the sale is a replacement.
Why the other options are wrong
- A) The definitions are swapped: appropriateness is about fit of the sale, disclosure is about what the applicant receives in writing.
- C) Neither requirement is satisfied by signature and payment; the appropriateness assessment and the disclosure delivery are separate, affirmative duties.
- D) Both requirements apply across Medicare supplement sales; neither is confined to replacements or to initial sales.
Memory hook
71.15 asks does it fit; 71.13 hands over the paperwork.