State RegulationsNY specificDifficulty 2/5
Which marketing practice is permitted when a New York producer presents Medicare supplement policies to a prospect?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under the New York Insurance Law, the marketing standards enforced by the Department of Financial Services require Medicare supplement solicitations to be clear, truthful, and not misleading. Explaining the real differences among the available plans and matching them to the prospect's circumstances is exactly what lawful marketing looks like; the standards target exaggeration, omission, and pressure - not honest comparison.
Why the other options are wrong
- A) Inventing benefits is the classic misleading sales pitch that the marketing standards prohibit.
- C) The applicant is supposed to read the disclosure material before deciding; steering her away from it is the opposite of informed choice.
- D) Medigap is optional private coverage; suggesting that Medicare benefits depend on buying it is coercive and false.
Memory hook
Tell the truth, show the plans, let them read.