State RegulationsMI specificDifficulty 2/5
A Detroit producer creates his own flyers and social media posts promoting a life insurance product he sells. Under the Michigan Administrative Code's life insurance advertising rules (R 500.1371 to R 500.1387), these materials:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The Michigan Administrative Code life insurance advertising rules (R 500.1371 to R 500.1387) apply to materials designed to solicit insurance regardless of who prepared them. A producer's own flyers and posts promoting a product he sells are advertisements, so they must accurately describe the product and must not be misleading. The insurer remains responsible for the accuracy of the sales message its producers deliver, and violations are enforced through DIFS.
Why the other options are wrong
- B) Authorship by the producer does not create an exemption; producer-created sales materials are among the communications the advertising rules are designed to reach.
- C) A social media post made to promote a product the producer sells is solicitation, not a purely personal communication, so the rules apply.
- D) Advertising rules impose accuracy and disclosure duties on the advertiser; they do not condition publication on obtaining an applicant's signature.
Memory hook
If you made it to sell insurance, it's an ad — keep it honest.