State RegulationsIL specificDifficulty 2/5
A life insurer wants to use a policyowner's testimonial in an Illinois advertisement. Under the Illinois advertising rule, which statement is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
50 Ill. Adm. Code 909 permits testimonials in life insurance advertising only when they are genuine, reflect the honest belief and actual experience of the person quoted, and are not used in a way that is misleading by selection or exaggeration. The insurer remains responsible for the overall impression the advertisement creates, so a technically authentic quote presented out of context is still a violation enforceable by the Illinois Department of Insurance.
Why the other options are wrong
- A) Testimonials are allowed subject to honesty and non-misleading requirements; they are not banned outright.
- B) Attribution to the policyowner does not transfer responsibility; the insurer and producer answer for the impression the ad leaves.
- D) Selective editing that changes the takeaway is misleading, and accuracy of the name does not make an altered testimonial lawful.
Memory hook
Real person, real belief, real context: a testimonial must survive all three tests.