Ins 3.27(15)(e)(e) Where an insurer is an affiliate of a group of insurers under common management and control, the word “insurer” for the purposes of this subsection means the insurance group. The requirements and restrictions applicable to an insurer shall apply to the insurance group. Ins 3.27(15)(f)(f) Similar policies for the purposes of this subsection include policies which provide similar benefits even though there may be differences in benefit amounts, elimination periods, renewal terms or ancillary benefits. Ins 3.27(16)(16) Mail order refusal form. An insurer shall not use a mail order advertisement which requires the recipient, in order to refuse a policy, to sign a refusal form and return it to the insurer. Ins 3.27(17)(17) Group, quasi-group or special class implications. An advertisement shall not state or imply that prospective policyholders or members of a particular class of individuals become group or quasi-group members or are uniquely eligible for a special policy or coverage and as such will be subject to special rates or underwriting privileges or that a particular coverage or policy is exclusively for preferred risks, a particular segment of people, or a particular age group or groups, unless such is the fact. Ins 3.27(18)(a)(a) An offer in an advertisement of free inspection of a policy or an offer of a premium refund shall not be a cure for misleading or deceptive statements contained in such advertisement. Ins 3.27(18)(b)(b) An advertisement which refers to the provision in the policy advertised regarding the right to return the policy shall disclose the time limitation applicable to such right. Ins 3.27(19)(19) Identification of plan or number of policies. Ins 3.27(19)(a)(a) When an advertisement refers to a choice regarding benefit amounts, it shall disclose that the benefit amounts provided will depend upon the plan selected and that the premium will vary with the amount of the benefits. Ins 3.27(19)(b)(b) When an advertisement refers to various benefits which may be contained in 2 or more policies, other than group policies, it shall disclose that such benefits are provided only through a combination of such policies. Ins 3.27(20)(a)(a) An advertisement which sets out the dollar amounts of claims paid, the number of persons insured or other statistical information shall identify the source of such statistical information and shall not be used unless it accurately reflects all of the relevant facts. Irrelevant statistical data shall not be used. Ins 3.27(20)(b)(b) An advertisement shall not imply that the statistical information given is derived from the insurer’s experience under the policy advertised unless such is the fact. The advertisement shall specifically so state if such information applies to other policies or plans. Ins 3.27(20)(c)(c) If a loss ratio is to be shown in an advertisement, it shall be derived from either premiums received and benefits paid or premiums earned and losses incurred. Ins 3.27(20)(d)(d) If loss ratios are to be compared between insurers in an advertisement, comparison shall be limited to policies or plans of the same type issued to similar classes of risks. Ins 3.27(20)(e)(e) An advertisement which sets out the dollar amounts of claims paid shall also indicate the period during which such claims have been paid. Ins 3.27(21)(21) Service facilities. An advertisement shall not: Ins 3.27(21)(a)(a) Contain untrue statements with respect to the time within which claims are paid. Ins 3.27(21)(b)(b) State or imply that claim settlements will be liberal or generous or use words of similar import. Ins 3.27(21)(c)(c) State or imply that claim settlements will be beyond the actual terms of the policy, or Ins 3.27(21)(d)(d) Contain a description of a claim which involves unique or highly unusual circumstances. Ins 3.27(22)(22) Statements about an insurer. An advertisement shall not contain statements which are untrue in fact or are by implication misleading with respect to the insurer’s assets, corporate structure, financial standing, age, experience or relative position in the insurance business. Ins 3.27(23)(23) Disparaging comparisons and statements. An advertisement shall not directly or indirectly make unfair or incomplete comparisons of policies or benefits and shall not falsely or unfairly disparage, discredit or criticize competitors, their policies, services or business methods or competing marketing methods. Ins 3.27(24)(24) Method of disclosure of required information. Ins 3.27(24)(a)(a) All information required to be disclosed by this rule shall be set out clearly, conspicuously and in close conjunction with the statements to which such information relates or under appropriate captions of such prominence that it shall be readily noticed and not minimized, rendered obscure or presented in an ambiguous fashion or intermingled with the context of the advertisements so as to be confusing or misleading. Ins 3.27(24)(b)(b) An advertisement or representation of a specific individual policy or policies which constitutes an invitation to apply shall include an outline of coverage as required by sub. (8). Ins 3.27(24)(c)(c) Information required by this rule shall not be set out under inappropriate captions or headings or under inappropriate questions where a question and answer format is used. Ins 3.27(24)(d)(d) An advertisement of a hospital confinement indemnity policy shall disclose in close conjunction with any description of the benefits the existence in the policy of a provision which eliminates benefits for sickness and/or injury conditions for a stated number of days at the beginning of a hospital confinement. Ins 3.27(24)(e)(e) An advertisement of a non-cancellable policy or of a guaranteed renewable policy shall also be subject to sub. (25).