State RegulationsOH specificDifficulty 1/5
Under Ohio's Medicare supplement standards, the prohibition on excessive insurance means an issuer or agent must not:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
OAC 3901-8-08 addresses the appropriateness of recommended purchases and excessive insurance by barring sales that pile coverage on top of what the applicant already holds, producing overlap the consumer pays for but cannot use. For Medicare supplements this tracks the statutory theme of ORC 3923.332 — no duplication — and protects seniors from being sold redundant policies. The Ohio Department of Insurance polices this conduct as part of its Med supp marketing oversight.
Why the other options are wrong
- B) Premium comparisons against competitors are not the excessive-insurance test; the standard concerns overlap with existing coverage.
- C) Nothing in Ohio law limits the number of plans an issuer may offer an applicant in a year.
- D) Age 65 is when Medicare supplement eligibility typically begins — it is not a bar to sale.
Memory hook
Excessive = piling on — never sell a second policy over the first.