Ethos IUL Compliance Guide

Marketing do’s and don’ts

We’ve included a few of the major do’s and don’ts of marketing Ethos products. Please see our for more information. legal and compliance guidelines

DO

> Clearly disclose the name and address of the insurer anytime you advertise a policyJ > Prominently describe the type of policy being advertised, indicate that it is life insurance, and identify the policy formJ > Comply with applicable statutes, rules, and regulationsJ > Any statistics must be cited and must be less than five years oldJ > Clearly define the scope and extent of a recommendation by any commercial rating systemJ > Testimonials, appraisals, or analysis must be genuine, a current opinion of the author, applicable to the policy, and accurately reproducedJ > All stated or implied endorsements by a group of individuals, society, or association must be factualJ > Clearly disclose all limitations, exclusions, or reductions. > Misrepresent the policy benefits, advantages or conditions, or use terms that are misleading or ambiguousJ > Use terminology that would lead a prospective buyer to believe that he or she is purchasing an investment or savings planJ > Omit material that is necessary to the prospective purchaser’s full understanding of the product and how it worksJ > Make unfair or incomplete comparisons with other policiesJ > Make false, deceptive, or misleading statements about any person, company, or organizationJ > Offer unlawful rebatesJ > Use the words “special” or “limited” with regards to the policies, application process, or client groups.

DON’T

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