State RegulationsMI specificDifficulty 1/5
Michigan's LTC marketing standards apply to which of the following?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
M.C.L. 500.3942 establishes the standards for marketing long-term care insurance in Michigan generally, and the Michigan Department of Insurance and Financial Services (DIFS) enforces them across distribution channels. Direct-response sales are expressly accommodated elsewhere in the LTC framework — for example, the right to return applies to direct-response sales — which confirms that marketing rules cannot be dodged simply by selling without an agent.
Why the other options are wrong
- A) The marketing standards are not limited to career-agent sales; any channel used to sell LTC coverage is covered.
- B) No age-based carve-out exempts mail sales to older applicants from the marketing standards.
- C) The standards govern LTC marketing generally and are not confined to group certificates.
Memory hook
Agent or mail box: the marketing rules follow the sale, whatever the channel.