Insurers must keep files of all advertisements used in louisiana for how many years

journal article

PUTTING YOUR LIFE ONLINE: WHAT IS KEEPING LIFE INSURANCE COMPANIES FROM TRANSACTING BUSINESS ON THE INTERNET?

Tort & Insurance Law Journal

Vol. 37, No. 3 (Spring 2002)

, pp. 1027-1049 (23 pages)

Published By: American Bar Association

https://www.jstor.org/stable/25763581

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With nearly 400,000 members, the ABA provides law school accreditation, continuing legal education, information about the law, programs to assist lawyers and judges in their work, and initiatives to improve the legal system for the public.

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When advertising an insurer is required to use?

An insurer is required to disclose its name on all advertisements pertain- ing to it or its products. For life products, the insurer must disclose the policy number if a specific prod- uct is advertised. This also applies to health insurance advertisements that are considered to be an “invitation to contract”.

What must be included in all life insurance advertisements?

The name of the insurer shall be clearly identified in all advertisements about the insurer or its products, and if any specific individual policy is advertised it shall be identified either by form number or other appropriate description.

What must be disclosed when a producer advertises a life insurance policy?

An advertisement for a life insurance policy containing graded or modified benefits shall prominently display any limitation of benefits. If the premium is level and coverage decreases or increases with age or duration, that fact shall be commonly disclosed.

When must an insurer provide a policy summary?

The policy summary must be delivered prior to or on the date of policy delivery. Either document must be provided to the client upon request.