Getting Started as an Agent for Ethos
22
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 legal and compliance guidelines for more information.
DO
• Clearly disclose the name and address of the insurer anytime you advertise a policy. • Prominently describe the type of policy being advertised, indicate that it is life insurance, and identify the policy form. • Comply with applicable statutes, rules, and regulations. • Any statistics must be cited and must be less than five years old. • Clearly define the scope and extent of a recommendation by any commercial rating system. • Testimonials, appraisals, or analysis must be genuine, a current opinion of the author, applicable to the policy, and accurately reproduced.
• All stated or implied endorsements by a group of individuals, society, or association must be factual. • Clearly disclose all limitations, exclusions, or reductions.
DON’T
• Misrepresent the policy benefits, advantages or conditions, or use terms that are misleading or ambiguous. • Make unfair or incomplete comparisons with other policies. • Make false, deceptive, or misleading statements about any person, company, or organization. • Offer unlawful rebates. • Use terminology that would lead a prospective buyer to believe that he or she is purchasing an investment or savings plan. • Omit material that is necessary to the prospective purchaser’s full understanding of the product and how it works. • Use the words “special” or “limited” with regards to the policies, application process, or client groups.
Made with FlippingBook - professional solution for displaying marketing and sales documents online