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)(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)(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. Ins 2.16(20)(a)(a) An advertisement for a policy with nonlevel premiums shall contain a prominent description of the premium changes. Ins 2.16(20)(b)(b) No person subject to this section may describe in an advertisement a life insurance policy under which the insurer reserves the right to change the amount of the premium during the policy term unless this feature is prominently described in the advertisement. Ins 2.16(20)(c)(c) Except as otherwise allowed under this paragraph, no advertisement may contain a statement or representation that an insured may withdraw under the terms of the policy any premiums paid for a life insurance policy. The advertisement may refer to amounts paid into an advance premium fund, which are intended to pay premiums at a future time, to the effect that they may be withdrawn under the conditions of the prepayment agreement. The advertisement may also refer to withdrawal rights under any unconditional premium refund offer. Ins 2.16(20)(d)(d) No advertisement may state or imply that a pure endowment benefit is a “profit” or “return” on the premium paid rather than a policy benefit for which a specified premium is paid. Ins 2.16(21)(a)(a) No advertisement may contain a description of or otherwise refer to nonguaranteed policy elements in a manner which is misleading or has the capacity or tendency to mislead. Ins 2.16(21)(b)(b) No advertisement may state or imply that the payment or amount of nonguaranteed policy elements is guaranteed. If an insurance policy’s or annuity contract’s nonguaranteed policy elements are illustrated, they may not be more favorable to the policyholder than those based on the current interest rates, dividend scales, mortality tables, and other variable components currently used by the insurer for that insurance policy or annuity contract. The illustration shall contain a statement to the effect that the viewer, listener, or reader should not construe the nonguaranteed policy elements as guarantees or estimates of amounts to be paid in the future. Ins 2.16(21)(c)(c) No advertisement may state or imply that illustrated nonguaranteed policy elements will be or can be sufficient at any future time to assure, without the further payment of premiums, the receipt of benefits, such as a paid-up policy, unless the advertisement clearly and precisely explains what benefits or coverage would be provided at the future time and under what conditions this would occur. Ins 2.16(21)(d)1.1. No advertisement may refer to dividends as “tax free”or contain words of similar import, unless the tax treatment of dividends is accurately explained and the nature of the dividend as a return of premium is indicated clearly.