State RegulationsOH specificDifficulty 3/5
Which of the following would subject a viatical settlement broker to disciplinary action under ORC 3916.15?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
ORC 3916.15 targets improper conduct by viatical settlement brokers, and misrepresenting a provider's financial condition to push an owner into a settlement is exactly the kind of deceptive practice that draws disciplinary action; the other choices describe lawful, routine broker activity.
Why the other options are wrong
- A) Serving an owner with a life-threatening condition is the ordinary, lawful function of a licensed viatical settlement broker.
- B) Filing required licensing documents with the superintendent is compliance, not misconduct.
- C) Accurately explaining that the provider will pay future premiums is truthful disclosure, not a disciplinary trigger under ORC 3916.15.
Memory hook
Discipline follows deception: true talk is fine, cooked provider stories are not.