State RegulationsFL specificDifficulty 1/5
Under Florida law, coercion in insurance marketing means
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under Fla. Stat. 626.9541 (Chapter 626, Florida Statutes), coercion is the use of force, threats, or intimidation to compel a person to insure with a particular insurer or agent. It is one of the unfair methods of competition, and DFS may impose fines and license discipline on licensees who obtain business through intimidation rather than honest persuasion.
Why the other options are wrong
- A) Risk-based pricing that is genuinely available to qualified applicants is lawful classification, not compulsion.
- C) Misstating policy benefits is misrepresentation - a different unfair trade practice.
- D) CE requirements are regulatory conditions on licensing, not threats used to sell insurance.
Memory hook
Coercion sells by fear, not by facts.