State RegulationsOH specificDifficulty 1/5
Under ORC 3901.21(A), which conduct by an Ohio producer is misrepresentation, an unfair or deceptive act?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
ORC 3901.21(A) makes it an unfair or deceptive act to misrepresent the terms, benefits, advantages, or dividends of a policy, its financial condition, or to use a misleading policy name. Inflating projected dividends to close a sale is a textbook misrepresentation, and it is independently a disciplinary ground under ORC 3905.14(B) for intentionally misrepresenting policy terms or benefits.
Why the other options are wrong
- A) Correctly characterizing dividends as non-guaranteed projections is accurate disclosure, the opposite of misrepresentation.
- C) Matching a recommendation to the prospect's stated budget is legitimate selling conduct and involves no false statement about the policy's terms or benefits.
- D) Delivering the buyer's guide early is a consumer-protection practice that Ohio's marketing rules encourage, not a deceptive act.
Memory hook
Inflate the dividends, invite the discipline.