State RegulationsMA specificDifficulty 1/5
Under the Massachusetts Medicare supplement disclosure rules, including 211 CMR 71.13, what must the insurer provide so that an applicant can understand and compare Medicare supplement coverage before buying?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
211 CMR 71.13 sets out the required disclosure provisions for Massachusetts Medicare supplement insurance, and its purpose is comparison shopping: the insurer must deliver the required disclosure materials, including the buyer's guide, so the applicant can understand what the policy covers and compare it with the other standardized options before committing. The Massachusetts Division of Insurance treats these materials as a precondition of a compliant sale, not an optional courtesy.
Why the other options are wrong
- B) Policyholder rosters have nothing to do with the disclosure duty; the applicant needs comparison materials, not a customer list.
- C) The producer's commission statement is not a required Medicare supplement disclosure; the buyer's guide is.
- D) A certificate of good standing addresses the insurer's corporate status, not the applicant's right to comparison information under 211 CMR 71.13.
Memory hook
Buyer's guide first, signature second.