Skills without mastery are useless. Mastery is impossible without the right methods. SimpliGrok platform makes mastery effortless and fastest with proven, smart practice.
Skills without mastery are useless. Mastery is impossible without the right methods. SimpliGrok platform makes mastery effortless and fastest with proven, smart practice.
Insurance advertising must be truthful, not misleading, and comply with state regulations. Strict rules prevent deceptive marketing and protect consumers.
Broad definition includes:
- Print ads (newspapers, magazines)
- Broadcast (TV, radio)
- Internet and social media
- Direct mail
- Email marketing
- Websites
- Business cards
- Sales presentations
- Promotional materials
Prohibited:
Misrepresentation of:
- Policy benefits
- Dividends or returns
- Financial condition of insurer
- Policy terms and conditions
Deceptive practices:
- Unfair comparisons
- Misleading headlines
- Omitting material limitations
- False urgency
- Guarantees that don't exist
Examples - Prohibited:
"Tax-Free Returns Guaranteed!"
(Misleading - not guaranteed)
"This is NOT Insurance"
(Deceptive when it is insurance)
"$1,000,000 for Only $20/Month!"
(Omits that it's term expiring at age 40)
Must include:
Identity:
- Insurer name
- Producer name and license #
- Contact information
Product type:
- Life insurance
- Annuity
- Type of policy
Material limitations:
- Exclusions
- Waiting periods
- Restrictions
- Surrender charges
If illustrated:
- Non-guaranteed elements
- Assumptions stated
- Disclaimer required
Rebating references:
- Cannot advertise rebates (in most states)
- No inducements beyond policy
False credentials:
- No fake designations
- No misleading titles
- Must have actual certifications
Disparagement:
- No false statements about competitors
- No unfair comparisons
- No defamation
Testimonials:
- Must be genuine
- Representative experiences
- Disclosures if paid
- Not misleading
Some states require:
- Pre-approval of advertising
- File with insurance department
- Waiting period
- Approval before use
Massachusetts:
- File if requested
- Maintain copies 4 years
- Available for review
Same rules apply:
- Truthful and not misleading
- Required disclosures
- Maintain records
- Monitor content
Special considerations:
- Character limits (Twitter)
- Third-party posts
- Comments and reviews
- Endorsements
Must maintain:
- Copies of all advertising
- 4-5 years (varies by state)
- Available for examination
- Electronic acceptable
Insurance advertising must be truthful, not misleading, and comply with state regulations. Strict rules prevent deceptive marketing and protect consumers.
Broad definition includes:
- Print ads (newspapers, magazines)
- Broadcast (TV, radio)
- Internet and social media
- Direct mail
- Email marketing
- Websites
- Business cards
- Sales presentations
- Promotional materials
Prohibited:
Misrepresentation of:
- Policy benefits
- Dividends or returns
- Financial condition of insurer
- Policy terms and conditions
Deceptive practices:
- Unfair comparisons
- Misleading headlines
- Omitting material limitations
- False urgency
- Guarantees that don't exist
Examples - Prohibited:
"Tax-Free Returns Guaranteed!"
(Misleading - not guaranteed)
"This is NOT Insurance"
(Deceptive when it is insurance)
"$1,000,000 for Only $20/Month!"
(Omits that it's term expiring at age 40)
Must include:
Identity:
- Insurer name
- Producer name and license #
- Contact information
Product type:
- Life insurance
- Annuity
- Type of policy
Material limitations:
- Exclusions
- Waiting periods
- Restrictions
- Surrender charges
If illustrated:
- Non-guaranteed elements
- Assumptions stated
- Disclaimer required
Rebating references:
- Cannot advertise rebates (in most states)
- No inducements beyond policy
False credentials:
- No fake designations
- No misleading titles
- Must have actual certifications
Disparagement:
- No false statements about competitors
- No unfair comparisons
- No defamation
Testimonials:
- Must be genuine
- Representative experiences
- Disclosures if paid
- Not misleading
Some states require:
- Pre-approval of advertising
- File with insurance department
- Waiting period
- Approval before use
Massachusetts:
- File if requested
- Maintain copies 4 years
- Available for review
Same rules apply:
- Truthful and not misleading
- Required disclosures
- Maintain records
- Monitor content
Special considerations:
- Character limits (Twitter)
- Third-party posts
- Comments and reviews
- Endorsements
Must maintain:
- Copies of all advertising
- 4-5 years (varies by state)
- Available for examination
- Electronic acceptable