State RegulationsTX specificDifficulty 2/5
A Texas life insurance agent posts a short video on social media that names a specific insurer's product and invites viewers to call for a quote. Under the Texas advertising rules that define and govern insurance advertisements, how is this material treated?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under 28 TAC 21.104-.105, an "advertisement" is defined broadly to include any written, printed, or electronic material designed to create interest in or induce the public to purchase insurance, regardless of who paid for it and regardless of whether a premium is quoted. The practical consequence is that a producer's own social media content is regulated advertising, and a misleading post exposes both the producer and the insurer to a TDI advertising violation and to withdrawal of the material.
Why the other options are wrong
- A) Quoting a premium is not required; merely creating interest in a policy brings the material within the advertising rules.
- C) The definition is medium-neutral; labeling solicitation content as a personal social media post does not remove it from the advertising rules.
- D) Insurer approval or payment is not part of the definition; material the producer creates and pays for is still an advertisement.
Memory hook
If it is designed to create interest, it is an ad — no invoice and no premium quote required.