State RegulationsTX specificDifficulty 2/5
Under 28 TAC 4.2310, which statement about the form and content of the life insurance Buyer's Guide is correct?
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
Under 28 TAC 4.2310, the Buyer's Guide must be used in the form prescribed by the Texas Department of Insurance and may not be changed or altered by the insurer or the agent, so that every applicant receives the same neutral explanation of how life insurance works and how to shop for it. It is a consumer-education document, not marketing material and not a contract document the applicant signs.
Why the other options are wrong
- B) The insurer may not rewrite the Buyer's Guide; 28 TAC 4.2310 requires the TDI-prescribed form to be used unaltered.
- C) The Buyer's Guide is a disclosure document given to the applicant; it is not signed and returned to the insurer.
- D) The Buyer's Guide and the policy summary serve different purposes, and one does not replace the other.
Memory hook
TDI writes the Buyer's Guide; deliver it as written, never edit it.