Florida Administrative Code

It shall be deemed an unfair or deceptive act or practice in the direct solicitation or sale of Medicare supplement insurance policies, to: (1) Make any representation by an agent to the effect that such person is a "Counselor," "Advisor" or similar designation, for any associati…

Rulemaking Authority 624.308(1), 626.9611, 626.9641 FS. Law Implemented 624.307(1), 626.830, 626.9541(1), (2), (3), (5), (11), (12), 626.9641(1)(a), (c), (e), (h) FS. History-New 7-1-79, Formerly 4-46.04, 4-46.004, 4-156.106, Repealed 11-15-22.

(1) The form and content of a Medicare Supplement Insurance advertisement shall be sufficiently complete and clear to avoid deception or the capacity or tendency to mislead or deceive. Whether an advertisement has a capacity or tendency to mislead or deceive shall be determined b…

(1) Deceptive Words, Phrases, or Illustrations Prohibited. (a) No advertisement shall omit information or use words, phrases, statements, references or illustrations if the omission of such information or use of such words, phrases, statements, references, or illustrations has th…

An advertisement which is an invitation to contract shall disclose the provisions relating to renewability, cancellability, and termination and any modification of benefits, losses covered or premiums because of age or for other reasons, in a manner which shall not minimize or re…

Rulemaking Authority 624.308(1), 626.9611 FS. Law Implemented 624.307(1), 626.062, 626.830, 626.9541(1)(a), (b), (e), (k), (l), 626.9641(1) FS. History-New 6-12-88, Formerly 4-46.009, 4-156.110, Repealed 11-15-22.

(1) An advertisement relating to the dollar amounts of claims paid, the number of persons insured, or similar statistical information relating to any insurer or policy or contract shall not use irrelevant facts, and shall not be used unless it accurately reflects all of the relev…

When a choice of the amount of benefits is referred to, an advertisement shall disclose that the amount of benefits provided depends upon the plan selected and that the premium will vary with the amount of the benefits selected. Rulemaking Authority 624.308(1), 626.9611 FS. Law I…

(1) An advertisement shall not directly or indirectly make unfair or incomplete comparisons of policies or contracts or benefits or comparisons of non-comparable policies or contracts of other insurers, and shall not disparage competitors, their policies or contracts, services or…

(1) An advertisement which is intended to be seen or heard beyond the limits of the jurisdiction in which the insurer is licensed shall not imply licensing beyond those limits. (2) An advertisement shall not create the impression directly or indirectly that the insurer, its finan…

(1) The name of the actual insurer shall be stated in all of its advertisements. The form number or numbers of the policy advertised shall be stated in any invitation to contract. An advertisement shall not use a trade name, any insurance group designation, name of the parent com…

(1) An advertisement of a particular policy shall not state or imply that prospective insureds become group or quasi-group members covered under a group policy and as such enjoy special rates or underwriting privileges, unless such is the fact. (2) No solicitation of a particular…

(1) An advertisement of an individual policy shall not directly or by implication represent that a contract or combination of contracts is an introductory, initial, or special offer, or that applicants will receive substantial advantages not available at a later date, or that the…

An advertisement shall not contain statements which are untrue in fact, or by implication misleading, with respect to the assets, corporate structure, financial standing, age or relative position of the insurer in the insurance business. An advertisement shall not contain a recom…

Rulemaking Authority 624.308(1), 626.9611 FS. Law Implemented 624.307(1), 624.428, 626.830, 626.9541(1)(a), (b), (c), (e), (k), (l), 626.9641(1), 627.6515(6) FS. History-New 6-12-88, Formerly 4-46.018, 4-156.119, Repealed 12-29-11.

Rulemaking Authority 624.308(1), 626.9611 FS. Law Implemented 624.307(1), 624.317, 626.9541(1)(a), (b), (e), (k), (l), 626.9641(1) FS. History-New 6-12-88, Formerly 4-46.019, 4-156.120, Repealed 12-29-11.

Rulemaking Authority 624.308(1), 626.9611, 627.6735 FS. Law Implemented 624.307(1), 626.9541(1)(a), (b), (e), (k), (l), 626.9641(1), 627.6735 FS. History-New 6-12-88, Amended 9-4-89, Formerly 4-46.020, 4-156.121, Repealed 12-29-11.

If any section or portion of a section of these rules or any amendments thereto, or the applicability thereof to any person or circumstance is held invalid by a court, the remainder of the rules, or the applicability of such provision to other persons or circumstances, shall not …

Rulemaking Authority 624.308(1), 626.9611 FS. Law Implemented 624.307(1), 626.9541(1)(a), (b), (e), (k), (l), 626.9641(1) FS. History-New 6-12-88, Formerly 4-46.022, 4-156.123, Repealed 11-11-18.

Rulemaking Authority 624.308(1), 627.9407(1) FS. Law Implemented 624.307(1), 627.9407 FS. History-New 5-17-89, Formerly 4-81.003, 4-157.003, Repealed 1-18-12.

Rulemaking Authority 624.308(1), 627.9407(1), 627.9408 FS. Law Implemented 624.307(1), 627.9402, 627.9407(1), 627.410(7) FS. History-New 1-13-03, Formerly 4-157.023, Repealed 11-11-18.

Rulemaking Authority 624.308(1), 627.9407(1), (2), (6), 627.9408 FS. Law Implemented 624.307(1), 627.9402, 627.9407(1) FS. History-New 1-13-03, Formerly 4-157.101, Repealed 11-11-18.

Rulemaking Authority 624.308(1), 627.9407(1), 627.9408 FS. Law Implemented 624.307(1), 627.9403, 627.9406 FS. History-New 1-13-03, Formerly 4-157.102, Repealed 11-11-18.

Rulemaking Authority 624.308(1), 626.9611, 627.9407(1), 627.9408 FS. Law Implemented 624.307(1), 626.9541, 627.9407(1) FS. History-New 1-13-03, Formerly 4-157.103, Repealed 11-11-18.

Rulemaking Authority 624.308(1), 627.9407(1), (6), 627.9408 FS. Law Implemented 624.307(1), 627.410(6), 627.603, 627.646, 627.9402, 627.9405(2), 627.9407 FS. History-New 1-13-03, Formerly 4-157.104, Repealed 1-18-12.

Rulemaking Authority 624.308(1), 627.9407(1), (6), 627.9408 FS. Law Implemented 624.307(1), 627.6043, 627.6645, 627.9407 FS. History-New 1-13-03, Formerly 4-157.105, Repealed 1-18-12.

Rulemaking Authority 624.308(1), 627.9407(1), 627.9408 FS. Law Implemented 624.307(1), 627.6044, 627.9402, 627.9407, 627.94074 FS. History- New 1-13-03, Formerly 4-157.106, Repealed 1-18-12.

Rulemaking Authority 624.308(1), 627.9407(1), 626.9611 FS. Law Implemented 624.307(1), 626.9541(1)(a), (b), (k), 627.9402, 627.9407(1), 627.9408 FS. History-New 1-13-03, Formerly 4-157.108, Repealed 1-18-12.

Rulemaking Authority 624.308(1), 626.9611, 627.9407(1), 627.9408 FS. Law Implemented 624.307(1), 626.9541(1)(a), (g), (i), (k), 627.9402, 627.9407(1), 627.9408 FS. History-New 1-13-03, Formerly 4-157.109, Repealed 1-18-12.

(1) Application forms shall include the following questions designed to elicit information as to whether, as of the date of the application, the applicant has another long-term care insurance policy or certificate in force or whether a long-term care policy or certificate is inte…

Rulemaking Authority 624.308(1), 627.9407(1), 627.9408 FS. Law Implemented 624.307(1), 627.9402, 627.9407(1), 627.410(7) FS. History-New 1-13-03, Formerly 4-157.111, Repealed 1-18-12.

Rulemaking Authority 624.308(1), 627.9407(1), 627.9408 FS. Law Implemented 624.307(1), 627.410, 627.9402, 627.9406, 627.9407(1), (3), (4), (8), (9), 627.9408 FS. History-New 1-13-03, Formerly 4-157.114, Repealed 1-18-12.

(1) This rule shall not apply to life insurance policies that accelerate benefits for long-term care. (2) Every insurer, health care service plan, or other entity marketing long-term care insurance (the "insurer") shall: (a) Develop and use suitability standards to determine whet…

Rulemaking Authority 624.308(1), 627.9407(1), 627.9408 FS. Law Implemented 624.307(1), 627.410(6), 627.9402, 627.9407, 627.94072 FS. History-New 1-13-03, Formerly 4-157.118, Repealed 1-18-12.

Rulemaking Authority 624.308(1), 627.9407(1), 627.9408 FS. Law Implemented 624.307(1), 627.9402, 627.9407 FS. History-New 1-13-03, Formerly 4-157.120, Repealed 1-18-12.

(1) A long-term care insurance shopper's guide in the format developed by the National Association of Insurance Commissioners (2001), which is incorporated herein by reference, or a guide developed by the Office of Insurance Regulation, shall be provided to all prospective applic…

In addition to any other penalties provided by the laws of this state, any insurer and any agent found to have violated any requirement of this state relating to the regulation of long-term care insurance or the marketing of such insurance shall be subject to a fine of up to 3 ti…

Rulemaking Authority 627.805 FS. Law Implemented 626.221, 626.241 FS. History-New 12-24-74, Formerly 4-10.09, 4-10.009, 4-162.009, Repealed 1-29-12.

(1) All companies authorized to issue and deliver contracts on a variable basis, all contracts, certificates and other forms in connection therewith, and all agents and other representatives are subject to the provisions of Chapter 626, Part IX, F.S. (2) Illustration of benefits …

(1) Pursuant to Section 627.4554, F.S., the following forms are incorporated by reference and available from the Office of Insurance Regulation of the Financial Services Commission's website at https://floir.com/life-health/annuities: (a) Appendix A - Insurance Agent (Producer) D…

Rulemaking Authority 624.308 FS. Law Implemented 624.307(1), 624.3161 FS. History-New 11-2-92, Formerly 4-166.021, Repealed 1-18-12.

Rulemaking Authority 624.308 FS. Law Implemented 624.307(1), 624.3161, 626.9541(1)(i)3.a., 627.4131 FS. History-New 11-2-92, Formerly 4-166.024, Repealed 1-18-12.

Rulemaking Authority 624.308(1), 627.7015(4) FS. Law Implemented 624.307(1), 624.418(2)(a), 624.421(1)(a), 624,4211(1)-(3), 626.9541(1)(i), 626.9581(1), 627.7015 FS. History-New 8-18-94, Amended 5-1-96, 4-6-00, Formerly 4-166.031, Transferred to 69J-166.031.

Rulemaking Authority 624.308 FS. Law Implemented 624.307(1), 627.4133, 627.728 FS. History-New 12-29-71, Formerly 4-28.03, 4-28.003, Amended 11-2-92, Formerly 4-167.001, Repealed 1-5-15.

Rulemaking Authority 624.308(1) FS. Law Implemented 624.307(1), 627.0651(6), (7) FS. History-New 10-8-78, Formerly 4-43.02, 4-43.002, Amended 11-2-92, Formerly 4-175.006, Repealed 1-29-12.

Rulemaking Authority 624.308(1), 626.9611 FS. Law Implemented 624.307(1), 626.9541(1)(o)3.a. FS. History-New 8-1-90, Formerly 4-43.007, 4-175.008, Repealed 1-29-12.

Rulemaking Authority 624.308 FS. Law Implemented 624.307(1), 626.9541(1)(x) FS. History-New 11-2-92, Formerly 4-175.010, Repealed 1-29-12.

Rulemaking Authority 624.308(1), 627.745(4) FS. Law Implemented 624.307(1), 626.171, 627.745 FS. History-New 3-14-93, Amended 8-6-98, 9-17-01, Formerly 4-176.022, Transferred to 69J-176.022.

Rulemaking Authority 624.308(1), 626.9611 FS. Law Implemented 626.9541(1)(b) FS. History-New 12-24-74, Formerly 4-12.02, 4-12.002, 4-177.001, Repealed 12-29-11.

Rulemaking Authority 624.308(1) FS. Law Implemented 626.112 FS. History-New 12-24-74, Formerly 4-12.03, 4-12.003, 4-177.002, Repealed 12-29-11.