Ethos Marketing Compliance Guidelines
Product Guidelines
If rates are included, specify plan, gender, smoker or nonsmoker, etc.
Products should be identified as “insurance policy” and type of insurance offered, such as “individual term life”.
If material references premium, disclose that they are subject to change and specify any policy fees, if applicable.
DO
Graded or modified benefits must display any limitations.
Disclose all limitations and exclusions, including suicide.
Specify the illness, condition, care or confinement necessary to trigger any accelerated benefits, if applicable. And the effect of the accelerated benefits on the death benefit.
Do not use words such as: all, full, complete, comprehensive, unlimited, or phrases such as: “the policy will replace your income” or “will help fill the gaps of your present insurance” or any words or phrases that exaggerate the benefit provided.
Do not highlight rider benefits with greater prominence than the primary policy benefits.
Do not include policy fees within a rate table. List separately.
Do not share commission rates.
Do not refer to life insurance as: an investment, savings, or retirement plan.
DON'T
Do not make unfair or inaccurate, or incomplete comparisons of policies, benefits, or rates of other insurers.
Do not disparage or falsely or unfairly describe other insurers, agents, policies, services, or marketing methods.
Do not offer any gift, monetary or nonmonetary, (value of $25 or more) for a proposed insured as an incentive to complete an enrollment form or application or within a specified period of time. Do not state or imply that a policy is an introductory, initial, or special offer or that applicants will receive substantial advantages not available at a later date, unless that fact is true.
Made with FlippingBook - professional solution for displaying marketing and sales documents online