State RegulationsOH specificDifficulty 1/5
Under ORC 3901.21(G)(2), which advertising practice is prohibited for an Ohio insurer or producer?
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 D is correct
ORC 3901.21(G)(2) prohibits an insurer, producer, or representative from offering or providing insurance as an inducement to purchase another policy and from using the words 'free' or 'no cost' or similar terms in an advertisement. The ban exists because such offers are inherently misleading, and it operates alongside the general rebating ban in ORC 3901.21(G) that the Ohio Superintendent of Insurance enforces.
Why the other options are wrong
- A) Truthfully citing an independent financial rating is accurate, verifiable information about the insurer, not an inducement or a misleading 'free' claim.
- B) Comparing guaranteed with non-guaranteed elements is proper disclosure; the advertising rules target misleading claims, not honest comparisons.
- C) Quoting the actual premium is exactly what transparent advertising should do and violates nothing in ORC 3901.21(G)(2).
Memory hook
In Ohio insurance ads, nothing is 'free' — literally, don't say it.