Ins 2.16(10)(a)(a) No advertisement which may be seen or heard beyond the limits of the jurisdiction in which the insurer is licensed may state or imply licensing beyond those limits.
Ins 2.16(10)(b)(b) In any advertisement any reference to licensing shall contain an appropriate disclaimer that the viewer, listener, or reader should not construe the reference as an endorsement or implied endorsement of the insurer or its products by any agency of this state or the commissioner of insurance.
Ins 2.16(10)(c)(c) No advertisement may state or imply that the insurer, its financial condition or status, the payment of its claims, its policy forms or the merits or desirability of its policy forms or kinds or plans of insurance are approved, endorsed or accredited by any agency of this state or the federal government.
Ins 2.16(10)(d)(d) No advertisement may contain a reproduction of a portion of a state insurance department report of examination.
Ins 2.16(11)(11)Introductory, initial or special offers and limited enrollment periods.
Ins 2.16(11)(a)(a) No advertisement may state or imply, unless true, that a policy or combination of policies is an introductory, initial or special offer and that the applicant will receive advantages not available at a later date by accepting the offer, that only a limited number of policies will be sold, that a time is fixed for the discontinuance of the sale of the policy advertised because of special advantages available in the policy, or that an individual will receive special advantages by enrolling within an open enrollment period or by a deadline date.
Ins 2.16(11)(b)(b) No advertisement may state or imply that enrollment under a policy is limited to a specific period unless the advertisement discloses the period of time permitted to enroll. This period of time may not be less than 10 days and not more than 40 days from the date of the advertisement.
Ins 2.16(11)(c)(c) If the insurer making an introductory, initial or special offer has previously offered the same or similar policy on the same basis or intends to repeat the current offer for the same or similar policy, the advertisement shall disclose this fact.
Ins 2.16(11)(d)(d) No insurer may establish for residents of this state a limited enrollment period within which a person may purchase an individual policy less than 6 months after the close of an earlier limited enrollment period for the same or similar policy. The restriction shall apply to all advertisements in newspapers, magazines and other periodicals circulated in this state, all mail advertisements sent to residents of this state and all radio and TV advertisements broadcast in this state. This restriction does not apply to the solicitation of enrollments under individual policies issued on a group basis.
Ins 2.16(11)(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 2.16(12)(12)Mail order refusal form. No person subject to this section may use a mail order advertisement which requires the recipient, in order to refuse a policy, to sign a refusal form and return it to a specified person or insurer.
Ins 2.16(13)(13)Group, quasi-group or special class implications. No advertisement may state or imply, unless true, 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 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.
Ins 2.16(14)(14)Inspection of policy.
Ins 2.16(14)(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 2.16(14)(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 this right.
Ins 2.16(15)(15)Identification of plan or number of policies.
Ins 2.16(15)(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 2.16(15)(b)(b) When an advertisement refers to various benefits, all of which can be obtained only by purchasing 2 or more policies, it shall disclose that the benefits are provided only through a combination of such policies.
Ins 2.16(16)(16)Use of statistics.
Ins 2.16(16)(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 the statistical information. No person subject to this section may use an advertisement unless it accurately reflects all of the relevant facts. No advertisement may contain irrelevant statistical data.
Ins 2.16(16)(b)(b) No advertisement may imply that the statistical information given is derived from the insurer’s experience under the policy advertised unless true. The advertisement shall specifically so state if the information applies to other policies or plans.
Ins 2.16(16)(c)(c) An advertisement which sets out the dollar amounts of claims paid shall also indicate the period during which such claims have been paid.
Ins 2.16(17)(17)Claims. No advertisement may:
Ins 2.16(17)(a)(a) Contain untrue statements with respect to the time within which claims are paid;
Ins 2.16(17)(b)(b) State or imply that claim settlements will be liberal or generous or use words of similar import;
Ins 2.16(17)(c)(c) State or imply that claim settlements will be beyond the actual terms of the policy; or
Ins 2.16(17)(d)(d) Contain a description of a claim which involves unique or highly unusual circumstances.
Ins 2.16(18)(18)Statements about an insurer. No advertisement may contain untrue statements or statements that by implication mislead with respect to the insurer’s assets, corporate structure, financial standing, age, experience or relative position in the insurance business.
Ins 2.16(19)(19)Disparaging comparisons and statements. No advertisement may directly or indirectly contain unfair or incomplete comparisons of policies or benefits or falsely or unfairly disparage, discredit or criticize competitors, their policies, services or business methods or competing marketing methods.