State RegulationsOH specificDifficulty 2/5
An issuer markets a Medicare supplement policy exclusively by mail, telephone, and online enrollment, with no agent ever meeting the applicant. Under Ohio law, this marketing method is characterized as:
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
ORC 3923.33 defines 'direct response' as Medicare supplement business marketed without direct agent involvement, and OAC 3901-8-08 applies tailored protections to such sales, including the acknowledgment and outline-of-coverage mechanics. Mail, telephone, and online solicitation with no agent in the transaction fits that definition exactly. The characterization matters because direct-response sales carry modified delivery and disclosure duties even though the same substantive policy standards apply.
Why the other options are wrong
- A) Cold lead advertising concerns advertisements that fail to disclose their insurance-solicitation purpose, not agentless marketing channels, which are lawful as direct response.
- C) No exemption from Ohio advertising filing requirements exists merely because marketing is done at mass scale.
- D) 'Tied advertising' with complaint-history disclosure is not an Ohio category for Medicare supplement solicitation.
Memory hook
No agent in the loop = direct response under Ohio's Med supp definitions.