State RegulationsGA specificDifficulty 1/5
Under Reg. 120-2-11-.04, responsibility for the content, form, and dissemination of an insurer's advertisements rests with:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Reg. 120-2-11-.04 requires every insurer to maintain a system of control over the content, form, and dissemination of all its advertisements, making the insurer responsible for compliance regardless of who drafted or produced the material. Whether an ad originates with a home-office team, a field agent, or an outside agency, the insurer cannot escape regulatory responsibility by pointing down the chain.
Why the other options are wrong
- A) The drafting agent does not absorb the insurer's responsibility; the rule places the control obligation on the insurer.
- B) Using an outside advertising agency does not shift responsibility; the insurer's system of control must cover third-party work.
- D) The Insurance Commissioner enforces advertising rules but does not pre-approve every advertisement or bear responsibility for content.
Memory hook
The insurer owns every ad, whoever wrote it.