State RegulationsMI specificDifficulty 2/5
A Michigan insurer is preparing consumer advertisements for its individual accident and health policies. Which set of Michigan Administrative Code rules governs these advertisements?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Michigan Administrative Code R 500.651 to R 500.669 contain the advertising rules for accident and health insurance, including the rules on use of the outline of coverage in A&H advertising. Michigan keeps separate advertising rule blocks by line of business, and the Michigan Department of Insurance and Financial Services (DIFS) enforces the A&H block against misleading marketing of health and disability coverage. An insurer designing A&H ads must therefore build its review process around the R 500.651 to R 500.669 requirements rather than the life advertising rules.
Why the other options are wrong
- B) R 500.1371 to R 500.1387 govern life insurance advertising, not accident and health advertising.
- C) R 500.601 to R 500.606 govern life insurance replacement transactions, not advertising.
- D) R 500.551 to R 500.560 concern the privacy and protection of insurance information, not advertising content.
Memory hook
A&H ads live in the 651 block; life ads live in the 1371 block.