New Hampshire Administrative Code

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

(a) An advertisement that 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. (b) An advertisement shall not create the impression directly or indirectly that the insurer, its financ…

(a) 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 an advertisement that is an invitation to contract. An advertisement shall not use a trade name, an insurance group designation,…

(a) 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 members, enjoy special rates or underwriting privileges, unless that is the fact. (b) This part prohibits the so…

(a) (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 …

An advertisement shall not contain statements that 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 recomm…

(a) Advertising File. Each insurer shall maintain at its home or principal office a complete file containing every printed, published or prepared advertisement of its individual policies and typical printed, published or prepared advertisements of its blanket, franchise and group…

The commissioner may, at his or her discretion, require filing of any accident and health insurance advertising material for review prior to use. The advertising material shall be filed by the insurer with the commissioner not less than 30 days prior to the date the insurer desir…

An insurer or its officers, directors, producers or employees that violate any of the provisions of this part, or knowingly participate in or abet such violation, shall be subject to the penalty provisions of RSA 400-A:15, III. Notes N.H. Admin. Code § Ins 2601.20 #9333, eff 12-5…

The purpose of this part is to set forth minimum standards and guidelines to assure a full and truthful disclosure to the public of all material and relevant information in the advertising of life insurance policies and annuity contracts. Notes N.H. Admin. Code § Ins 2602.01 #697…

(a) This part shall apply to any life insurance or annuity advertisement intended for dissemination in this state. In variable contracts where disclosure requirements are established pursuant to federal regulation, this part shall be interpreted so as to eliminate conflict with f…

For the purposes of this part: (a) (1) "Advertisement" means material designed to create public interest in life insurance or annuities or in an insurer, or in an insurance producer; or to induce the public to purchase, increase, modify, reinstate, borrow on, surrender, replace o…

(a) Advertisements shall be truthful and not misleading in fact or by implication. The form and content of an advertisement of a policy shall be sufficiently complete and clear so as to avoid deception. It shall not have the capacity or tendency to mislead or deceive. Whether an …

(a) The information required to be disclosed by this part shall not be minimized, rendered obscure, or presented in an ambiguous fashion or intermingled with the text of the advertisement so as to be confusing or misleading. (b) An advertisement shall not omit material informatio…

(a) The name of the insurer shall be clearly identified in all advertisements about the insurer or its products, and if any specific individual policy is advertised it shall be identified either by form number or other appropriate description. If an application is a part of the a…

(a) An advertisement that 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. (b) An advertisement may state that an insurer or insurance producer is licensed in a particular state o…

An advertisement shall not contain statements, pictures or illustrations that are false or misleading, in fact or by implication, with respect to the assets, liabilities, insurance in force, corporate structure, financial condition, age or relative position of the insurer in the …

(a) Each insurer shall maintain at its home or principal office a complete file containing a specimen of every printed, published or prepared advertisement of its individual policies and specimen copies of typical printed, published or prepared advertisements of its blanket, fran…

An insurer or its officers, directors, producers or employees that violate any of the provisions of this part, or knowingly participate in or abet such violation, shall be subject to the penalty provisions of RSA 400-A:15, III. Notes N.H. Admin. Code § Ins 2602.10 #9333, eff 12-5…

It is not intended that this part conflict with or supersede any rules currently in force or subsequently adopted in this state governing specific aspects of the sale or replacement of life insurance including, but not limited to, laws or rules dealing with life insurance cost co…

The purpose of this part is to provide prospective buyers with clear and unambiguous statements in the advertisement of Medicare supplement insurance, to assure the clear and truthful disclosure of the benefits, limitations and exclusions of policies sold as Medicare supplement i…

(a) This part shall apply to any "advertisement" of Medicare supplement insurance as that term is defined herein, unless otherwise specified in this part, that the insurer knows or reasonably should know is intended for presentation, distribution or dissemination in this state wh…

(a) (1) "Advertisement" for the purpose of this part shall include: a. Printed and published material, audio visual material and descriptive literature used by or on behalf of an insurer in direct mail, newspapers, magazines, radio scripts, TV scripts, billboards, internet displa…

All information required to be disclosed by this part 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 it shall not be minimized, rendered obscure or presented in an …

(a) The format 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…

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

An advertisement that 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 rend…

(a) Testimonials and endorsements used in advertisements shall 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 …

(a) 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 shall not use irrelevant facts, and shall not be used unless it accurately reflects all of the relevant facts. S…

An advertisement shall not directly or indirectly make unfair or incomplete comparisons of non-comparable policies of other insurers, and shall not disparage competitors, their policies, services or business methods, and shall not disparage or unfairly minimize competing methods …

(a) An advertisement that 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. (b) An advertisement shall not create the impression directly or indirectly that the insurer, its financ…

(a) 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 an advertisement that is an invitation to contract. An advertisement shall not use a trade name, an insurance group designation,…

(a) 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 that is the fact. (b) This part prohibits the solicit…

(a) (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 …

An advertisement shall not contain statements that 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 recomm…

(a) Advertising File. Each insurer shall maintain at its home or principal office a complete file containing every printed, published or prepared advertisement of its individual policies and typical printed, published or prepared advertisements of its blanket, franchise and group…

The commissioner may, at his or her discretion, require the filing with this department, for review prior to use, of any Medicare supplement insurance advertising material. The advertising material shall be filed by the insurer with this department not less than 30 days prior to …

The purpose of this part is to ensure that all advertisements that relate to life, accident or health insurance policies sold in this state that are not regulated under Ins 2601, Ins 2602, or Ins 2603, present clear and accurate information to the public and do not mislead consum…

This part shall apply to life, accident or health insurance policies that are not regulated under Ins 2601, Ins 2602, or Ins 2603 and to any entity which holds a license to sell, issue or administer these policies in this state. Notes N.H. Admin. Code § Ins 2604.02 #6971, eff 4-1…

For the purpose of this part, the following definitions shall apply: (a) "Advertisement" means: (1) Printed and published material and literature an insurer uses in newspapers, magazines, radio and TV scripts, billboards and similar displays to describe its plans and products; (2…

All printed advertisements except general invitations to inquire about the details of policies shall carry a reference number for any contract form mentioned in the advertisement. Notes N.H. Admin. Code § Ins 2604.04 #9333, eff 12-5-08 Amended by Volume XXXVI Number 36, Filed Sep…

(a) Advertisements shall be truthful and not misleading in fact or in implication. (b) Advertisements shall use words or phrases whose meaning is direct and unambiguous and not words or phrases whose meaning is clear only by implication. (c) Advertisements shall not use words or …

(a) An insurer shall not use misleading words, phrases, statements, references or illustrations, or omit information that might mislead or deceive the consumer as to: (1) Any policy benefit payable; (2) Any loss covered; or (3) Any premium payable. (b) When an advertisement descr…

(a) When an advertisement uses a testimonial, the testimonial shall: (1) Be genuine; (2) Apply to the policy advertised; (3) Be accurately reproduced; and (4) Disclose: a. When the author of a testimonial has received compensation for the testimonial; and b. When the author of a …

(a) An advertisement shall not use statistics unless the advertisement accurately reflects all the relevant facts related to the stated statistic. (b) Statistics shall include, but not be limited to: (1) The dollar amounts of claims paid; (2) The time within which claims are paid…

An advertisement shall not attempt to cure misleading or deceptive statements by offering the consumer a free policy inspection or premium refund. Notes N.H. Admin. Code § Ins 2604.09 #9333, eff 12-5-08 Amended by Volume XXXVI Number 36, Filed September 8, 2016, Proposed by #1117…

(a) When an advertisement refers to a choice in the amount of benefits, it shall disclose that the amount of benefits and the premium depend upon the selected plan. (b) When an advertisement refers to various benefits, that might be contained in 2 or more policies, the advertisem…