Florida Administrative Code

(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 o…

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

(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…

(1) 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. (2) An advertisement shall not contain…

(1) Each insurer shall maintain at its home or principal office a complete file containing: (a) Every printed, published or prepared advertisement of its individual policies; (b) Typical printed, published or prepared advertisements of its blanket, franchise and group policies he…

(1) An insurer shall file with the Office all long-term care insurance advertising material intended for use in this state at least thirty (30) days prior to use of the advertisement in this state as required by Section 627.9407(2), F.S. (2) Only advertisements that are required …

If any section or portion of a section of these rules, or any amendment 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 b…

These rules supersede and constitute a revision of all prior rules pertaining to solicitation and sale of Health Insurance policies. 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 1-19-73, …

The purpose of these rules is to provide prospective purchasers with clear and unambiguous statements in the advertisement of Life Insurance and Annuity Contracts, and to assure the clear, truthful and adequate disclosure of the benefits, limitations and exclusions of policies so…

(1) These rules shall apply to any Life Insurance Policy and Annuity Contract "advertisement," disseminated in this State which the insurer knows or reasonably should know is intended for presentation, distribution or dissemination in this State, when such presentation, distribut…

For the purpose of these rules, the terms below are defined as follows: (1) An "Advertisement" includes any method of communication listed in Sections 626.9541(1)(b)1. through 4., F.S. (2) The definition of "Advertisement" does not include: (a) Material to be used solely for the …

All information required to be disclosed by these rules shall be set out conspicuously, in the same size type as that used in the body of the advertisement, and in close conjunction with the statements to which such information relates, or under appropriate captions of such promi…

(1) The form and content of a Life Insurance and Annuity Contracts 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 deter…

In addition to the requirements of Rules 69O-150.104 and 69O-150.105, F.A.C., advertisements of indeterminate value life and annuity contracts as defined in Section 627.8015(1), F.S., shall be subject to the following requirements: (1) Advertisements containing a rate to be earne…

(1) Deceptive Words, Phrases, or Illustrations Prohibited. (a) No advertisement shall omit information or use words, phrases, statements, references or illustrations if such omission or such use has the capacity, tendency or effect of misleading or deceiving purchasers or prospec…

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…

(1) An advertisement shall not be used that utilizes or describes dividends in a manner which is misleading or has a tendency to mislead. (2) An advertisement shall not directly or indirectly state or imply that the amount of dividends or divisible surplus is guaranteed; nor shal…

(1) Testimonials and endorsements used in advertisements must be genuine, represent the current opinion of the author, be applicable to the policy advertised and be accurately reproduced. The insurer, in using a testimonial or endorsement, makes as its own all of the statements c…

(1) An advertisement relating to the dollar amounts of claims paid, the number of persons insured, total amount of insurance in force, relative standing, or similar statistical information relating to any insurer or policy or contract shall not use irrelevant facts, and shall not…

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

(1) An advertisement of a particular policy or contract shall not state or imply that prospective insureds become group or quasi-group members covered under a group policy or contract and as such enjoy special rates or underwriting privileges, unless such is the fact. The term "e…

(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…

(1) 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. (2) An advertisement shall not contain…

(1) Each insurer shall maintain at its home or principal office a complete file containing: (a) Every printed, published or prepared advertisement of its individual policies; (b) Typical printed, published or prepared advertisement of its blanket, franchise, and group policies he…

Only advertisements that are required by law to be filed will be routinely received and reviewed by the Office. Rulemaking Authority 624.307(3), 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 …

If any section or portion of a section of these rules, or any amendment 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 …

These rules supersede and constitute a revision of all prior rules pertaining to solicitation and sale of Life Insurance and Annuity Contracts. 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-Ne…

(1) The purpose of these rules is to provide small employers with clear and unambiguous statements in the marketing of health benefit plans issued pursuant to the Employee Health Care Access Act, as set forth in Section 627.6699, F.S., and to assure the clear, truthful, and adequ…

(1) These rules shall apply to any health benefit plan marketing communication in this state that a small employer carrier knows or reasonably should know is intended for presentation, distribution, or dissemination in this state either directly by a small employer carrier or ind…

For purposes of these rules, the terms below are defined as follows: (1) "Application" means the form that must be filled in by the person seeking to effectuate a health benefit plan. (2) "Application Period" includes any enrollment period. (3)(a) "Carrier" means a person that pr…

All information required to be disclosed by these rules shall be set out conspicuously and in close conjunction with the statements to which the information relates or under appropriate captions of such prominence that the information shall not be minimized, rendered obscure, or …

(1) The form and content of a health benefit plan marketing communication shall be sufficiently complete and clear to avoid deception or the capacity or tendency to mislead or deceive, as determined by the Office from the overall impression that the marketing communication may be…

(1) Deceptive Words, Phrases, or Illustrations Prohibited. (a) A marketing communication shall not omit information or use words, phrases, statements, references, or illustrations that have the capacity, tendency, or effect of misleading or deceiving purchasers or prospective pur…

A marketing communication that is an invitation to contract shall disclose, in a manner that shall not minimize or render obscure the qualifying conditions, the provisions relating to renewability, cancellability, and termination and any modification of benefits, losses covered, …

(1)(a) Testimonials and endorsements used in marketing communications must: 1. Be genuine; 2. Represent the current opinion of the author; 3. Be applicable to the health benefit plan marketed; and, 4. Be accurately reproduced. (b) The small employer carrier in using a testimonial…

(1) A marketing communication relating to the dollar amount of claims paid, the number of persons insured, or similar statistical information relating to any small employer carrier or plan shall not use irrelevant facts, and shall not be used unless it accurately reflects all of …

A marketing communication for a basic, standard, or limited health benefit plan or any combination thereof that refers to a choice of the amount of benefits shall disclose that the amount of benefits provided depends upon the plan selected, and that the premium will vary with the…

(1) A marketing communication shall not: (a) Directly or indirectly make unfair or incomplete comparisons of plans or benefits, or comparisons of non-comparable policies or contracts of other small employer carriers; (b) Disparage competitors, their plans, policies, contracts, se…

(1) A marketing communication shall not create the impression directly or indirectly that the small employer carrier, its financial condition or status, payment of claims, or the merits, desirability, or advisability of its plan or policy forms or kinds of plans of insurance are …

(1)(a) The name of the actual small employer carrier shall be stated in all of the small employer carrier's marketing communications. (b) The form number or numbers of the plan marketed shall be stated in any marketing communication that describes a particular plan's benefits. (c…

(1) A marketing communication of an individual health benefit plan shall not directly or by implication represent that a plan or combination of plans is an introductory, initial, or special offer, or that applicants will receive substantial advantages not available at a later dat…

(1) A marketing communication shall not contain statements that are untrue in fact, or misleading by implication, with respect to the assets, corporate structure, financial standing, age, or relative position of the small employer carrier in the insurance business. (2) A marketin…

(1) Marketing File. (a) Each small employer carrier shall maintain at its home or principal office a complete file, available for inspection by the Office, containing: 1. Every printed, published, or prepared marketing communication; 2. A notation attached to each marketing commu…