Rules and Regulations of the State of Georgia
 

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  • 1. In the address bar, type about:config and press Enter.
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<xmp>.</xmp> <form name="form1" method="post" action="120-2-12?urlRedirected=yes&amp;data=admin&amp;lookingfor=120-2-12" id="form1"> <input type="hidden" name="__VIEWSTATE" id="__VIEWSTATE" value="/wEPDwUKLTY5ODkwOTM2Nw8WAh4Ec3BhbQIEFgJmD2QWAgIFDw8WAh4EVGV4dAUFMyArIDFkZGRvuXk60ItJqevWTh8nNmdUzYnM6A==" /> <input type="hidden" name="__VIEWSTATEGENERATOR" id="__VIEWSTATEGENERATOR" value="EEBB6393" /> <input type="hidden" name="__EVENTVALIDATION" id="__EVENTVALIDATION" value="/wEWCAKYzIP3CgLniKOhBALV5cpNAoa5iIEFAoznisYGAsrv5u0MAsrv4u0MAsrv3u0Mp1WpAAWpjY+hdNE5Avnf8w5ZlnU=" /> <div class='popup'> <div class='cnt223'> <div style="margin-bottom:6px;"> <img alt="Rules and Regulations of the State of Georgia" src="/images/new.gif"/> </div> <div class="header"> Terms and Conditions of Agreement for Access to Rules and Regulations of the State of Georgia Website </div> <div class="scroll"> <p>(Note: certain features of this site have been disabled for the general public to prevent digital piracy. If you are an entitled government entity pursuant the Georgia Administrative Procedures Act, <a target="_new" href="http://links.casemakerlegal.com/states/GA/books/Code_of_Georgia/browse?ci=25id=gasos&amp;codesec=50-13-7&amp;title=50&amp;#50-13-7(d)">O.C.G.A.§ 50-13-7(d)</a> contact the State of Georgia's Administrative Procedures Division at 678-364-3785 to enable these features for your location.)</p> <p>To access this website, you must agree to the following: </p> <p> These terms of use are a contract between you and/or your employer (if any), and Lawriter, LLC. </p> <p> You agree that you will not copy, print, or download anything from this website for any commercial use. </p> <p> You agree not to use any web crawler, scraper, or other robot or automated program or device to obtain data from the website.</p> <p> You agree that you will not sell, will not license, and will not otherwise make available in exchange for anything of value, anything that you download, print, or copy from this site.</p> <p> You agree that you will not copy, print, or download any portion of the regulations posted on this site exceeding a single chapter of regulations for sale, license, or other transfer to a third party, except that you may quote a reasonable portion of the regulations in the course of rendering professional advice.</p> <p> If you violate this agreement, or if you access or use this website in violation of this agreement, you agree that Lawriter will suffer damages of at least $20,000. </p> <p> THIS WEBSITE AND ITS CONTENT ARE PROVIDED "AS IS." THE STATE OF GEORGIA AND LAWRITER EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT AND ARE NOT LIABLE TO ANY PERSON FOR ANY ERRORS IN INACCURACIES CONTAINED IN THIS WEBSITE. </p> <p> If you accept these terms enter the information below and click “I AGREE”.</p> </div> <table border="0" style="width: 810px"> <tr> </tr> <tr> <td style="vertical-align: text-top; width: 243px;"> Full Name:</td> <td style="width: 532px; vertical-align:super;"> <input name="firstName" type="text" id="firstName" class="txt" /> <span id="lbl_fname"><font color="Red"></font></span> </td> </tr> <tr><td style="width: 243px"> Human verification: <b> <span id="lblStopSpam">3 + 1</span>&nbsp;= </b></td><td style="width: 532px"> <input name="captcha" type="text" id="captcha" class="txt" /> <span id="lbl_captcha"><font color="Red"></font></span> &nbsp; <input name="sum" type="hidden" id="sum" value="4" /> </td></tr> </table> <input type="submit" name="Button1" value="I AGREE" id="Button1" disabled="disabled" /> <span id="alrtmsg"><font color="Red"></font></span> <input name="v1" type="hidden" id="v1" /> <input name="v2" type="hidden" id="v2" /> <input name="v3" type="hidden" id="v3" /> <p>Privacy Policy: the above information is for internal use only as related to this agreement and will not be sold or distributed.</p> </div> </div> </form> <html> <head runat="server"> <title>GA - GAC</title> <link href="_files/main.css" media="all" rel="Stylesheet" type="text/css" /> <link href="_files/treeview_old.css" media="all" rel="Stylesheet" type="text/css" /> <link href="/_files/popup.css" media="all" rel="stylesheet" type="text/css" /> <script type="text/javascript" src="/_files/treeview.js"></script> <script type="text/javascript" src="/_files/jquery-1.8.0.min.js"></script> <script type="text/javascript" src="/_files/jquery-1.10.2.js"></script> <script type="text/javascript" src="/_files/popup.js"></script> <script type="text/javascript" src="http://code.jquery.com/jquery-1.8.2.js"></script> <script type="text/javascript" src="https://ajax.googleapis.com/ajax/libs/jquery/1.8/jquery.min.js" /> <script type="text/javascript" src="/_files/jquery.popup.js"></script> <script type="text/javascript" src="/_files/jquery.popup.min.js"></script> <script type="text/javascript" src="/_files/ValidateForm.js"></script> <script src="https://code.jquery.com/jquery-1.11.3.js"></script> <link href="/_files/enablejs.css" rel="Stylesheet" type="text/css" /> <link href="/_files/forJavascript.css" rel="Stylesheet" type="text/css" /> <style type="text/css"> .collapse{background-image:url('/images/expcoll_right.png');} .expand{background-image:url('/images/expcoll_down.png');} </style> <script type="text/javascript"> $(document).ready(function(){ $("#History-parent").click(function(){ $("#History-Childs").toggle(); if ($('#History-parent img').hasClass('expand')) { $('#History-parent img').addClass('collapse'); $('#History-parent img').removeClass('expand'); $('#History-parent img').attr('src', '/images/expcoll_right.png'); } else { $('#History-parent img').removeClass('collapse'); $('#History-parent img').addClass('expand'); $('#History-parent img').attr('src', '/images/expcoll_down.png'); } }); $("#History-Childs").hide(); var tocnode=document.getElementById('toc-children'); if (tocnode != null) { if(tocnode.childNodes.length != 0) { document.getElementById("doc-content").style.width="72%"; document.getElementById("toc").style.width="21%"; document.getElementById("toc").style.padding="10px"; } else { document.getElementById('toc').style.display="none"; } } }); function fnsetRDVal(id) { if (id=="y") { document.getElementById("y").value="yes" document.getElementById("n").value="" } else { document.getElementById("n").value="no" document.getElementById("y").value="" } } </script> <script type="text/javascript"> function TermsCon() { var overlay = $('<div id="overlay"></div>'); overlay.show(); overlay.appendTo(document.body); $('.popup2').show(); $('#btnAgree').click(function () { $('.popup2').hide(); $("#overlay").hide(); overlay.appendTo(document.body).remove(); }); $("#btnprint").click(function () { var contents = $("#popupterms").html(); var frame1 = $('<iframe />'); frame1[0].name = "frame1"; frame1.css({ "position": "absolute", "top": "-1000000px" }); $("body").append(frame1); var frameDoc = frame1[0].contentWindow ? 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If you are an entitled government entity pursuant the Georgia Administrative Procedures Act, <a target="_new" href="http://links.casemakerlegal.com/states/GA/books/Code_of_Georgia/browse?ci=25id=gasos&amp;codesec=50-13-7&amp;title=50&amp;#50-13-7(d)">O.C.G.A.§ 50-13-7(d)</a> contact the State of Georgia's Administrative Procedures Division at 678-364-3785 to enable these features for your location.)</p> <p>To access this website, you must agree to the following: </p> <p> These terms of use are a contract between you and/or your employer (if any), and Lawriter, LLC. </p> <p> You agree not to use any web crawler, scraper, or other robot or automated program or device to obtain data from the website. </p> <p> You agree that you will not sell or license anything that you download, print, or copy from this website.</p> <p> THIS WEBSITE AND ITS CONTENT ARE PROVIDED "AS IS." 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action="../search.aspx" method="get" onsubmit="javascript:return fncheckqts();"> <span class="searchHierarchy" style="margin-right:10px;" > <em class="mnemonic">H</em>ierarchy Search:&nbsp; <input onclick="fnsetRDVal(id);" id="y" checked="checked" type="radio" name="hierarchysearch" value="yes" />&nbsp;Y <input onclick="fnsetRDVal(id);" id="n" type="radio" name="hierarchysearch" value="" />&nbsp;N </span> <label for="query" accesskey="s"> <em class="mnemonic">S</em>earch GA R&R: </label><input type="hidden" name="from" value="gac" /> <input id="query" name="query" type="text" /> <input class="submit" value="Go" type="submit" /> <input type="hidden" id="msg" value="REPLACE_MESSAGE" /> <input type="hidden" name="searchlevel" value="REPLACE_SEARCHLEVEL" /> <input type="hidden" name="searchvalue" value="Subject 120-2-12 ADVERTISING ACCIDENT AND SICKNESS INSURANCE" /> </form> </div>--> <div id="searchcitation"> <form class="searchform" action="../search.aspx" method="get" 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target="_blank"><em class="mnemonic">S</em>earch tips</a></div><ul class="breadcrumb"> <li><a href="/GAC" name="GAC" title="GAC">GA R&amp;R</a></li> <li>&raquo; <a href="/GAC/120" title="120">Department 120</a></li> <li>&raquo; <a href="/GAC/120-2" title="120-2">Chapter 120-2</a></li> <li>&raquo; Subject 120-2-12</li> </ul> </div> </div><div id="doc" class="container"> <div id="doc-content" class="content"> <h1><nllsubject>Subject 120-2-12 ADVERTISING ACCIDENT AND SICKNESS INSURANCE</nllsubject></h1> <h2><a href="/GAC/120-2-12-.01" name="120-2-12-.01" title="120-2-12-.01">Rule 120-2-12-.01 Statutory Authority</a></h2> <P>This Regulation is made and promulgated by the undersigned Insurance Commissioner pursuant to the authority set forth in Section <a href="https://links.casemakerlegal.com/states/ga/books/Code_of_Georgia/browse?ci=25&amp;id=gasos&amp;codesec=33-2-9&amp;title=33#" target="_newtab">33-2-9</a> of the Insurance Laws of this State, and especially Chapter 33-6 of the Georgia Insurance Code.</P> <h2><a href="/GAC/120-2-12-.02" name="120-2-12-.02" title="120-2-12-.02">Rule 120-2-12-.02 Purpose</a></h2> <P>The purpose of this Regulation is:</P> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.021.">1.</a></td> <td valign="top" style="text-align:left" class="leftalign"> To implement the Insurance Laws of the State of Georgia with respect to advertising and sale of Accident and Sickness Insurance in this State, as defined in Section <a href="https://links.casemakerlegal.com/states/ga/books/Code_of_Georgia/browse?ci=25&amp;id=gasos&amp;codesec=33-7-2&amp;title=33#" target="_newtab">33-7-2</a> of the Georgia Insurance Laws, and included in Section <a href="https://links.casemakerlegal.com/states/ga/books/Code_of_Georgia/browse?ci=25&amp;id=gasos&amp;codesec=33-7-3&amp;title=33#" target="_newtab">33-7-3</a>.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.022.">2.</a></td> <td valign="top" style="text-align:left" class="leftalign"> To protect the interests of the Accident and Sickness Insurance Public of this State by: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.022.(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The establishment of minimum standards of conduct to be observed by advertisers and sellers of Accident and Sickness Insurance;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.022.(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Requiring truthful, complete, clear and accurate disclosure of all material and relevant information in the advertising and sale of accident and sickness insurance so that members of the insurance public can adequately make a decision in their own best interest.</td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.023.">3.</a></td> <td valign="top" style="text-align:left" class="leftalign"> To prevent the use of unfair methods of competition and unfair practices among insurers with regard to the advertising, promotion and sale of accident and sickness insurance in this State.</td> </tr> </table> <h2><a href="/GAC/120-2-12-.03" name="120-2-12-.03" title="120-2-12-.03">Rule 120-2-12-.03 Applicability</a></h2> <P>These Rules shall apply to any accident and sickness insurance "advertisement" as that term is hereinafter defined, intended for presentation, distribution or dissemination in this State when such presentation, distribution or dissemination is made either directly or indirectly by or on behalf of an insurer, agent, broker, or solicitor as those terms are defined in the Insurance Code of this State and these Rules.</P> <h2><a href="/GAC/120-2-12-.04" name="120-2-12-.04" title="120-2-12-.04">Rule 120-2-12-.04 Definitions</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.041.">1.</a></td> <td valign="top" style="text-align:left" class="leftalign"><I>Advertisement,</I> for the purpose of these Rules, shall include: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.041.(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Printed and published material, audio visual material, and descriptive literature of an insurer used in direct mail, newspapers, magazines, radio scripts, TV scripts, billboards and similar displays; and</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.041.(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> descriptive literature and sales aids of all kinds issued by an insurer, agent, solicitor or broker for presentation to members of the insurance buying public, including but not limited to, circulars, leaflets, booklets, depictions, illustrations, and form letters; and</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.041.(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> prepared sales talks, presentations, and material for use by insurers, agents, brokers and solicitors. <P>Advertisements of insurers for the sole purpose of obtaining employees, agents, agencies or brokers are among those not to be considered within the definition of an advertisement.</P> </td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.042.">2.</a></td> <td valign="top" style="text-align:left" class="leftalign"><I>Policy,</I> for the purpose of these Rules, shall include any Policy, Plan, Certificate, Contract, Agreement, Outline of Coverage, Rider, or Endorsement which provides accident or sickness benefits, or medical, surgical or hospital expense benefits; whether on an indemnity, reimbursement, service, or prepaid basis, except when issued in connection with another kind of insurance other than life, and except disability, waiver of premium, and double indemnity benefits included in life insurance and annuity contracts.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.043.">3.</a></td> <td valign="top" style="text-align:left" class="leftalign"><I>Insurer,</I> for the purpose of these Rules, shall include any individual, corporation, association, partnership, reciprocal exchange, inter-insurer, Lloyds, fraternal benefit society, and any other legal entity defined as an "insurer" in the Insurance Code of this State, which is engaged in, or responsible for, the advertisement of a policy as herein defined.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.044.">4.</a></td> <td valign="top" style="text-align:left" class="leftalign"><I>Exception,</I> for the purpose of these Rules, shall mean any provision in a policy whereby coverage for a specified hazard is entirely eliminated; it is a statement of a risk not assumed under the policy.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.045.">5.</a></td> <td valign="top" style="text-align:left" class="leftalign"><I>Exclusion,</I> for the purpose of these Rules, shall be construed to mean the same as "Exception," as defined herein in Rule <a title="120-2-12-.04(4)" href="120-2-12-.04#120-2-12-.04(4)">120-2-12-.04(4)</a>.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.046.">6.</a></td> <td valign="top" style="text-align:left" class="leftalign"><I>Reduction,</I> for the purpose of these Rules, shall mean any provision which reduces the amount of the benefit to be received, or the period of time in which such benefits would be payable.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.047.">7.</a></td> <td valign="top" style="text-align:left" class="leftalign"><I>Limitation,</I> for the purpose of these Rules, shall mean any provision which restricts coverage under the policy, other than an "Exception" or a "Reduction" as defined herein.</td> </tr> </table> <h2><a href="/GAC/120-2-12-.05" name="120-2-12-.05" title="120-2-12-.05">Rule 120-2-12-.05 Form and Content of Advertisements</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.051.">1.</a></td> <td valign="top" style="text-align:left" class="leftalign"> The format and content of an advertisement of an accident or sickness insurance policy shall be accurate and shall be sufficiently complete and clear to avoid deception or the capacity or tendency to mislead or deceive. Whether an advertisement has a capacity or tendency to mislead or deceive shall be determined by the Insurance Commissioner from the overall impression that the advertisement may be reasonably expected to create upon a person of average education or intelligence, within the segment of the public to which it is directed, or within a segment of the public to which such advertisement may be reasonably calculated to reach.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.052.">2.</a></td> <td valign="top" style="text-align:left" class="leftalign"> Advertisement shall be truthful and not misleading in fact or in implication. Words or phrases, the meaning of which is clear only by implication or by familiarity with insurance terminology, shall not be used.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.053.">3.</a></td> <td valign="top" style="text-align:left" class="leftalign"> The advertising of hospital or medical policies or plans shall clearly and accurately state the dollar limits of benefits where applicable, and time limits of benefits where applicable, in lieu of, or in conjunction with descriptive words which might imply "full coverage" for all expenses normally related to hospitalization or medical care.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.054.">4.</a></td> <td valign="top" style="text-align:left" class="leftalign"> An advertisement for a policy providing benefits for specified illnesses only, such as cancer, or for specified accidents only, such as automobile accidents, shall clearly and conspicuously in prominent type state the limited nature of the policy. The statement shall be worded in language identical to, or substantially similar to the following: "THIS IS A LIMITED POLICY;" "THIS IS A CANCER ONLY POLICY;" "THIS IS AN AUTOMOBILE ACCIDENT ONLY POLICY."</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.055.">5.</a></td> <td valign="top" style="text-align:left" class="leftalign"> If a policy provides different benefits as to amount or time for the same loss occurring under different circumstances or from different causes, the smaller benefits payable shall be given the same prominence as the larger benefits.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.056.">6.</a></td> <td valign="top" style="text-align:left" class="leftalign"> All policies advertised shall be correctly identified by names reasonably calculated to describe their contents, FOR EXAMPLE: Hospital and Surgical Expense Policy; Hospital Income Policy; Hospital Confinement Policy; Disability Income Policy; Senior Citizen Hospital Expense Policy; Medical Care Accident and Health Policy; . . . etc. <P>The use of such terms as "Pay Check Plan;" "Hospital Dollars;" "Extra-income Plan;" "Extra Cash Plan;" "Extra Pay Plan;" "Hard Cash Plan;" "White Cross Plan;" "Doctors' Plan;" or similar words or phrases which do not correctly identify the policy, shall be prohibited.</P> <P>In addition, all advertised policies must be identified by Form Number.</P> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.057.">7.</a></td> <td valign="top" style="text-align:left" class="leftalign"> Any Optional Benefit advertised shall be captioned as "Optional Benefits" and shall be prominently and conspicuously displayed in immediate conjunction with the conditions to qualify for such Optional Benefits. An advertisement must contain a statement that in order to obtain such optional benefits there will be an additional premium charged for each optional benefit desired. A statement must also be included in the advertisement as to what conditions, if any, must be met to qualify for such benefits.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.058.">8.</a></td> <td valign="top" style="text-align:left" class="leftalign"> All advertisements of accident and sickness insurance in this State shall include the name, address and phone number of the Home or Principal Office and/or of the nearest representative or representatives of the insurer authorized to handle claims and to provide service and information to applicants and/or insureds.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.059.">9.</a></td> <td valign="top" style="text-align:left" class="leftalign"> Any advertisement making reference to "Medicare Supplement Insurance" or to coverage designed to supplement "Medicare," shall contain a clear, prominent and conspicuous statement in language identical to or substantially the same as the following: "THIS IS A LIMITED POLICY DESIGNED TO COVER ONLY THOSE EXPENSES WHICH MEDICARE DOES NOT COVER." Furthermore, such advertisements must clearly, prominently and conspicuously disclose the exact benefits payable under such advertised policy. <P>If such advertised Medicare Supplement Policy supplements only Medicare Part A (or hospital benefits only), this shall be clearly, prominently and conspicuously displayed in the advertisement; nor shall such advertisements use the maximum amount payable without giving an exact example of the conditions which must be met in order for a policyholder to collect the maximum amount.</P> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.0510.">10.</a></td> <td valign="top" style="text-align:left" class="leftalign"> Any advertisement which refers to maximum dollar amount of benefits which can be paid for any period greater than one day shall disclose at the same time, in an equally prominent, frequent, and conspicuous manner, and in immediate conjunction therewith, the daily rate of benefits, and when applicable, the fact that said benefits are payable only for the actual number of days of hospital confinement and, when applicable, the limit on the number of days for which coverage is provided.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.0511.">11.</a></td> <td valign="top" style="text-align:left" class="leftalign"> Words and phrases used in an advertisement to describe policy limitations, exceptions, and reductions shall fairly, accurately, and clearly describe in understandable terms the negative features of such limitations, exceptions and reductions of the policy.</td> </tr> </table> <h2><a href="/GAC/120-2-12-.06" name="120-2-12-.06" title="120-2-12-.06">Rule 120-2-12-.06 Deceptive Words, Phrases or Illustrations Prohibited</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.061.">1.</a></td> <td valign="top" style="text-align:left" class="leftalign"> No advertisement shall omit information or use words, phrases, statements, references or illustrations if the omission of such information or use of such words, phrases, statements, references or illustrations has the capacity, tendency or effect of misleading or deceiving purchasers or prospective purchasers as to the nature or extent of any policy benefit payable, loss covered or premium payable. The fact that the policy offered is made available to a prospective insured for inspection prior to consummation of the sale, and/or offer is made to refund the premium if the purchaser is not satisfied, does not remedy misleading statements.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.062.">2.</a></td> <td valign="top" style="text-align:left" class="leftalign"> No advertisement shall state or imply that all costs of hospitalization or medical expense will be paid, or that all income will be replaced by benefits, unless the policy is without limitation or restriction in any form. No advertisement shall contain or use words or phrases such as: "all;" "full;" "complete;" "comprehensive;" "liberal;" "unlimited;" "as high as;" "fills all gaps;" "full coverage;" "complete protection;" "all coverage;" "deductibles covered;" "this policy will help pay your hospital and surgical bill;" "this policy will help fill some of the gaps that Medicare and your present insurance leave out;" "this policy will help to replace your income" (when used to express loss of time benefits); "salary replacement;" "wage continuation;" or similar words and phrases, to imply generosity or liberality or in a manner which exaggerates any benefits beyond the terms of the policy.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.063.">3.</a></td> <td valign="top" style="text-align:left" class="leftalign"> No advertisement shall contain descriptions of a policy limitation, exception, or reduction worded in a positive manner to imply that it is a benefit, such as: describing a waiting period as a "benefit builder," or stating "even pre-existing conditions are covered after two years."</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.064.">4.</a></td> <td valign="top" style="text-align:left" class="leftalign"> No advertisement shall contain or use identifying terms, words, or phrases which do not correctly identify the policy. (See Rule <a title="120-2-12-.05(6)" href="120-2-12-.05#120-2-12-.05(6)">120-2-12-.05(6)</a>.)</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.065.">5.</a></td> <td valign="top" style="text-align:left" class="leftalign"> No advertisement of a benefit for which payment is conditional upon the incurrence of any medical expenses shall use words or phrases such as "tax free;" "extra cash;" "extra income;" "extra pay;" or substantially similar words or phrases that might have the capacity, tendency or effect of misleading the public into believing that the policy advertised will, in some way, enable them to make a profit from any illness, injury, condition, or confinement in a hospital or similar facility.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.066.">6.</a></td> <td valign="top" style="text-align:left" class="leftalign"> No advertisement of a hospital or other similar facility confinement benefit shall advertise that the amount of benefit is payable on a monthly or weekly basis when, in fact, the amount of the benefit payable is based upon a daily pro rata basis relating to the number of days of actual confinement.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.067.">7.</a></td> <td valign="top" style="text-align:left" class="leftalign"> No advertisement of a policy covering only one disease or list of specified diseases shall imply coverage beyond the terms of the policy. Synonymous terms shall not be used to refer to any disease so as to imply broader coverage than is the fact.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.068.">8.</a></td> <td valign="top" style="text-align:left" class="leftalign"> An advertisement or a direct response insurance product shall not state or imply that because "no insurance agent will call and no commissions will be paid to agents," that it is a "low cost plan," or use other similar words or phrases.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.069.">9.</a></td> <td valign="top" style="text-align:left" class="leftalign"> No advertisement shall contain or use any statement relating to time within which claims are paid (within 24 to 48 hours, etc.), unless the policy being advertised actually requires and guarantees payment within such designated period.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.0610.">10.</a></td> <td valign="top" style="text-align:left" class="leftalign"> No advertisement shall imply that a company frequently and routinely pays specified sums for any type of accident or sickness when, in fact, only certain specified accidents or illnesses are covered.</td> </tr> </table> <h2><a href="/GAC/120-2-12-.07" name="120-2-12-.07" title="120-2-12-.07">Rule 120-2-12-.07 Exceptions, Reductions and Limitations</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.071.">1.</a></td> <td valign="top" style="text-align:left" class="leftalign"> Exceptions, reductions and limitations shall be prominently and conspicuously displayed in the same style type and in a type size equal to, or larger than, that used to describe the benefits. Furthermore, a multi-color scheme shall not be used in such a manner as to render such terms obscure.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.072.">2.</a></td> <td valign="top" style="text-align:left" class="leftalign"> Any advertisement which refers to either a dollar amount, or a period of time for which any benefit is payable, or the cost of the policy, or specific policy benefit, or the loss for which such benefit is payable, shall also disclose those exceptions, reductions and limitations affecting the basic provisions of the policy without which the advertisement would have the capacity or tendency to mislead or deceive.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.073.">3.</a></td> <td valign="top" style="text-align:left" class="leftalign"> When a policy contains a waiting, elimination, probationary or similar time period between the effective date of the policy and the effective date of coverage under the policy or a time period between the date a loss occurs and the date benefits begin to accrue for such loss, an advertisement which is subject to the requirements of the preceding paragraph shall clearly, prominently and conspicuously disclose the existence of such periods.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.074.">4.</a></td> <td valign="top" style="text-align:left" class="leftalign"> An advertisement shall not use the words "only;" "just;" "merely;" "minimum;" or similar words or phrases to describe the applicability of any exceptions and reductions, such as: "This policy is subject to the following minimum exceptions and reductions."</td> </tr> </table> <h2><a href="/GAC/120-2-12-.08" name="120-2-12-.08" title="120-2-12-.08">Rule 120-2-12-.08 Pre-existing Conditions</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.081.">1.</a></td> <td valign="top" style="text-align:left" class="leftalign"> An advertisement which is subject to the requirements of these Rules shall, in negative terms, clearly, prominently and conspicuously disclose the extent to which any loss is not covered if the cause of such loss is traceable to a physical condition, injury or disease existing before issuance of the policy. If the term "pre-existing condition," or similar words or phrases are used in an advertisement, they must be accompanied by an appropriate definition or description which states exactly what conditions are included as "pre-existing conditions" for the purposes of the policy.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.082.">2.</a></td> <td valign="top" style="text-align:left" class="leftalign"> When a policy does not cover losses resulting from preexisting conditions, no advertisement of the policy shall state or imply that the applicant's physical condition or medical history will not affect the issuance of the policy or payment of a claim thereunder. This rule prohibits the use of the phrase "no medical examination required," and phrases of similar import, but does not prohibit explaining "automatic issue."</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.083.">3.</a></td> <td valign="top" style="text-align:left" class="leftalign"> If an insurer requires a medical examination for a specified policy, the advertisement shall prominently disclose that a medical examination is required.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.084.">4.</a></td> <td valign="top" style="text-align:left" class="leftalign"> In the event any advertisement contains an application form to be completed by the applicant and returned by mail for a direct response insurance product, such application form shall contain a question which reflects the pre-existing condition provisions of the policy, immediately preceding the blank space for the applicant's signature. For example, such an application form must contain a question identical to or substantially similar to the following: "Do you understand that this policy will not pay benefits during the first _______________ year(s) after the issue date for a disease or physical condition which you now have, or have had in the past? <P>[] I do understand [] I do not understand."</P> <P>No policy shall be issued unless the question is answered affirmatively.</P> </td> </tr> </table> <h2><a href="/GAC/120-2-12-.09" name="120-2-12-.09" title="120-2-12-.09">Rule 120-2-12-.09 Necessity for Disclosure of Policy Provisions Relating to Renewability, Cancellability and Termination</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.091.">1.</a></td> <td valign="top" style="text-align:left" class="leftalign"> Any advertisement of a policy or plan of benefits contained therein must not imply that the policy or plan is guaranteed renewable at the discretion of the insured unless the renewability of such policy or plan of benefits is, in fact, guaranteed.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.092.">2.</a></td> <td valign="top" style="text-align:left" class="leftalign"> Any advertisement which refers to: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.092.(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> dollar amounts,</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.092.(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> periods of time for which any benefit is payable,</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.092.(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> costs of the policy,</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.092.(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> specific policy benefits,</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.092.(e)">(e)</a></td> <td valign="top" style="text-align:left" class="leftalign"> loss or losses for which benefits are payable,</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.092.(f)">(f)</a></td> <td valign="top" style="text-align:left" class="leftalign"> time or age limitations,</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.092.(g)">(g)</a></td> <td valign="top" style="text-align:left" class="leftalign"> or any other limiting or qualifying conditions in connection with eligibility of applicants or continuation of the policy, renewability, cancellability or termination, shall clearly, prominently and conspicuously disclose said provisions and any modification, cancellation or termination of benefits, of losses covered, or of premiums, which may occur (because of age or for other reasons), in a manner which shall not minimize or render obscure the qualifying conditions.</td> </tr> </table> </td> </tr> </table> <h2><a href="/GAC/120-2-12-.10" name="120-2-12-.10" title="120-2-12-.10">Rule 120-2-12-.10 Testimonials or Endorsements by Third Parties</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.101.">1.</a></td> <td valign="top" style="text-align:left" class="leftalign"> Testimonials used in advertisements must be genuine, represent the current opinion of the author, be applicable to the policy advertised, and be accurately reproduced. The insurer, in using a testimonial, makes as its own all of the statements contained therein, and the advertisement, including such statement, is subject to all the provisions of these Rules.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.102.">2.</a></td> <td valign="top" style="text-align:left" class="leftalign"> If the person making a testimonial, an endorsement, or an appraisal has a financial interest in the insurer or a related entity as a stockholder, director, officer, employee, or otherwise, such fact shall be prominently disclosed in the advertisement.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.103.">3.</a></td> <td valign="top" style="text-align:left" class="leftalign"> If a person is compensated for making a testimonial, endorsement or appraisal, such fact shall be prominently disclosed in the advertisement by language identical to, or substantially similar to the following: "THIS IS A PAID ENDORSEMENT." (This Rule does not require disclosure of union scale wages required by union rules if the payment is actually for such scale wages for TV or radio performances). For the purposes of these Rules, the payment of substantial amounts, directly or indirectly, to an endorser for "travel and entertainment" in connection with the filming or recording of TV or radio advertisements constitutes compensation, and disclosure of such compensation is required.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.104.">4.</a></td> <td valign="top" style="text-align:left" class="leftalign"> An advertisement shall not state or imply that an insurer or a policy has been approved or endorsed by any individual, group of individuals, society, association or other organization, unless such is the fact; and unless any proprietary relationship between an organization and the insurer is clearly, prominently and conspicuously disclosed. If the entity making the endorsement or testimonial has been formed by the insurer, or is owned or controlled by the insurer, or the person or persons who own or control the insurer, such fact shall be disclosed in the advertisement.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.105.">5.</a></td> <td valign="top" style="text-align:left" class="leftalign"> When a testimonial refers to benefits received under a policy, the specific claim data, including claim number, date of loss, and other pertinent information shall be retained by the insurer for inspection for a period of four years, or until the filing of the next regular report of examination of the insurer, whichever is the longer period of time.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.106.">6.</a></td> <td valign="top" style="text-align:left" class="leftalign"> For the purposes of these Rules, with regard to testimonials and endorsements by third parties, "Endorser" shall mean any individual, group of individuals, society, association or organization that endorses, approves or recommends an insurer, a policy, or plan of benefits.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.107.">7.</a></td> <td valign="top" style="text-align:left" class="leftalign"> No such testimonial, endorsement or appraisal shall be made in any form which constitutes a solicitation of insurance in this State, unless such endorser is currently licensed in Georgia to solicit insurance.</td> </tr> </table> <h2><a href="/GAC/120-2-12-.11" name="120-2-12-.11" title="120-2-12-.11">Rule 120-2-12-.11 Use of Statistics</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.111.">1.</a></td> <td valign="top" style="text-align:left" class="leftalign"> Any advertisement relating to the dollar amounts of claims paid, the number of persons insured, or similar statistical information relating to any insurer or policy, must not contain irrelevant facts and must not be used unless it accurately reflects all of the relevant facts. Furthermore, such advertisements must not contain irrelevant facts; nor shall it imply that statistics used therein are derived from the policy advertised unless such is the fact. When statistics used in an advertisement are applicable to other policies or plans, it shall specifically be so stated.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.112.">2.</a></td> <td valign="top" style="text-align:left" class="leftalign"> An advertisement shall not represent or imply that claim settlements by the insurer are "liberal" or "generous," or use words of similar import; or that claim settlements are or will be beyond the actual terms of the contract.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.113.">3.</a></td> <td valign="top" style="text-align:left" class="leftalign"> An unusual amount paid for a unique claim for the policy advertised is misleading and shall not be used.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.114.">4.</a></td> <td valign="top" style="text-align:left" class="leftalign"> The source of any statistics used in an advertisement must be clearly, prominently and conspicuously identified in the advertisement.</td> </tr> </table> <h2><a href="/GAC/120-2-12-.12" name="120-2-12-.12" title="120-2-12-.12">Rule 120-2-12-.12 Identification of Plan or Number of Policies</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.121.">1.</a></td> <td valign="top" style="text-align:left" class="leftalign"> When a choice of the amount of benefits is referred to, an advertisement shall disclose that the amount of benefits provided depends upon the plan selected and that the premium will vary with the amount of the benefits selected.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.122.">2.</a></td> <td valign="top" style="text-align:left" class="leftalign"> An advertisement listing the benefits of two or more policies different in their content should identify each policy with the benefits which it offers. Group Master Policies are not included for the purposes of this Rule. In such cases, the advertisement shall disclose that these benefits are provided only through a combination of policies.</td> </tr> </table> <h2><a href="/GAC/120-2-12-.13" name="120-2-12-.13" title="120-2-12-.13">Rule 120-2-12-.13 Disparaging Comparisons and Statements</a></h2> <P>An advertisement shall not directly or indirectly make unfair or incomplete comparisons of policies or benefits, or comparisons of non-comparable policies of other insurers, and shall not disparage competitors, their policies, services, or business methods, and shall not disparage or unfairly criticize competing methods of marketing insurance.</P> <h2><a href="/GAC/120-2-12-.14" name="120-2-12-.14" title="120-2-12-.14">Rule 120-2-12-.14 Jurisdictional Licensing and Status of Insurer</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.141.">1.</a></td> <td valign="top" style="text-align:left" class="leftalign"> An advertisement which is intended to be seen or heard beyond the limits of the jurisdiction in which the insurer is licensed shall not imply licensing beyond those limits.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.142.">2.</a></td> <td valign="top" style="text-align:left" class="leftalign"> An advertisement shall not create the impression directly or indirectly that the insurer, its financial condition or status, or the payment of its claims, or the merits, desirability, or advisability of its policy forms or kinds or plans of insurance are approved, endorsed, or accredited by any division or agency of this State or the United States Government.</td> </tr> </table> <h2><a href="/GAC/120-2-12-.15" name="120-2-12-.15" title="120-2-12-.15">Rule 120-2-12-.15 Identity of Insurer</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.151.">1.</a></td> <td valign="top" style="text-align:left" class="leftalign"> The name of the actual insurer advertised shall be properly identified and prominently, clearly and conspicuously displayed in all of its advertisements. An advertisement shall not refer to the parent company of the insurer without clearly disclosing that it is a separate legal entity and not responsible for the insurer's financial condition or contractual obligations.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.152.">2.</a></td> <td valign="top" style="text-align:left" class="leftalign"> An advertisement shall not include a trade name, an insurance group designation, or the name of any division, affiliate or subsidiary of the insurer, or any service mark, trade mark, slogan, symbol, or other device which has the capacity or tendency to deceive an individual as to the true identity of the insurer or the policy being advertised.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.153.">3.</a></td> <td valign="top" style="text-align:left" class="leftalign"> No advertisement shall use any combination of words, symbols, or physical materials which by their content, phraseology, shape, color, or other characteristics are so similar to combination of words, symbols, or physical materials used by agencies of the Federal Government, or of this State, or otherwise appear to be of such a nature that it tends to confuse or mislead prospective insureds into believing that the solicitation is in some manner connected with an agency of the municipal, State or Federal Government.</td> </tr> </table> <h2><a href="/GAC/120-2-12-.16" name="120-2-12-.16" title="120-2-12-.16">Rule 120-2-12-.16 Group or Quasi-Group Implications</a></h2> <P>An advertisement of a particular plan or policy of insurance shall not state or imply that prospective insureds become "group" or "quasi-group" members covered under a group policy, and as such enjoy special rates or underwriting privileges, unless such is the fact.</P> <h2><a href="/GAC/120-2-12-.17" name="120-2-12-.17" title="120-2-12-.17">Rule 120-2-12-.17 Introductory, Initial or Special Offers</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.171.">1.</a></td> <td valign="top" style="text-align:left" class="leftalign"> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.171.(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> An advertisement of an individual policy shall not directly or by implication represent that a contract or combination of contracts is an introductory, initial, or special offer, or that applicants will receive substantial advantages not available at a later date, or that the offer is available only to a specified group of individuals, unless such is the fact.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.171.(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> An advertisement shall not contain phrases describing an enrollment period as "special," "limited," or use in similar words or phrases when the insurer uses such enrollment periods as the usual method of advertising accident and sickness insurance.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.171.(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> An enrollment period during which a particular insurance product may be purchased on an individual basis shall not be offered within this State unless there has been a lapse of not less than six (6) months between the close of the immediately preceding enrollment period for the same product and the opening of the new enrollment period.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.171.(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The advertisement shall indicate the date by which the applicant must mail the application, which shall not be less than ten (10) days and not more than forty (40) days from the date that such enrollment period is advertised for the first time. This Rule applies to all advertising media; including, but not limited to: mail, newspapers, radio, television, magazines, periodicals, personal solicitations, and telephone solicitations.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.171.(e)">(e)</a></td> <td valign="top" style="text-align:left" class="leftalign"> This Rule prohibits any statement or implication to the effect that only a specific number of policies will be sold, or that a time is fixed for the discontinuance of the sale of the particular policy advertised because of special advantages available in the policy, unless such is the fact.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.171.(f)">(f)</a></td> <td valign="top" style="text-align:left" class="leftalign"> This Rule prohibits the use of minor variations in the form or contents of a plan or policy in order to avoid or circumvent the provisions of paragraph (c) of this Rule. Mere variations of the terms of renewability, increases or decreases in the dollar amounts of benefits, or increases or decreases in any elimination or waiting period from those available during an enrollment period for another policy, shall not be sufficient to establish it as a new or different "particular insurance product" not subject to the provisions of paragraph (c).</td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.172.">2.</a></td> <td valign="top" style="text-align:left" class="leftalign"> An advertisement shall not offer a policy which utilizes a reduced initial premium rate in a manner which over-emphasizes the availability and the amount of the initial reduced premium. When an insurer charges an initial premium that differs in amount from the amount of the renewal premium payable on the same mode, the advertisement shall not display the amount of the reduced initial premium either more frequently or more prominently than the renewal premium, and both the initial reduced premium and the renewal premium must be stated in juxtaposition in each portion of the advertisement where the initial reduced premium appears.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.173.">3.</a></td> <td valign="top" style="text-align:left" class="leftalign"> Special awards, such as a "safe drivers' award," or special classes such as "non-drinkers" or "non-smokers" shall not be used in connection with advertisements of accident or accident and sickness insurance, unless premiums are, in fact, reduced on the basis of statistical information showing reduced risk based on membership in such class. Such statistics shall be on file in the Home or Principal Office of the insurer.</td> </tr> </table> <h2><a href="/GAC/120-2-12-.18" name="120-2-12-.18" title="120-2-12-.18">Rule 120-2-12-.18 Statements about an Insurer</a></h2> <P>An advertisement shall not contain statements which are untrue in fact, or by implication misleading, with respect to the assets, corporate structure, financial standing, age, or relative position of the insurer in the insurance business. An advertisement shall not contain a recommendation by any commercial rating system unless it clearly indicates the purpose of the recommendation and the limitations of the scope and extent of the recommendation.</P> <h2><a href="/GAC/120-2-12-.19" name="120-2-12-.19" title="120-2-12-.19">Rule 120-2-12-.19 Insurers' Responsibility and Control; Advertising File; Certificate of Compliance</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.191.">1.</a></td> <td valign="top" style="text-align:left" class="leftalign"> All advertisements, regardless of by whom written, created or designed, shall be the responsibility of the insurer sponsoring the same. Every insurer shall at all times maintain complete control over the content, form and method of dissemination of all advertisements of its contracts.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.192.">2.</a></td> <td valign="top" style="text-align:left" class="leftalign"> Each insurer shall maintain at its home or principal office a complete file containing every printed, published or prepared advertisement of individual policies and typical printed, published or prepared advertisements of blanket, franchise and group policies hereafter disseminated in this State, with a notation attached to each such advertisement which shall indicate the manner and extent of distribution and the form number of any policy advertised. Such file shall be subject to regular and periodic inspection at the discretion of this Department. All such advertisements shall be maintained in said file for a period of not less than five (5) years.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-12-.193.">3.</a></td> <td valign="top" style="text-align:left" class="leftalign"> Each insurer required to file an Annual Statement with this Department must file, together with its Annual Statement, a Certificate executed by an authorized officer of the insurer wherein it is stated that to the best of his knowledge, information and belief, the advertisements disseminated by the insurer during the preceding calendar year complied, or were made to comply in all respects, with the provisions of the Insurance Laws of this State as implemented and interpreted by this Regulation.</td> </tr> </table> <h2><a href="/GAC/120-2-12-.20" name="120-2-12-.20" title="120-2-12-.20">Rule 120-2-12-.20 Severability Provision</a></h2> <P>If any Section or portion of a Section of this Regulation, or the applicability thereof to any person or circumstance is held invalid by a Court, the remainder of the Rules, or the applicability of such provision to other persons or circumstances, shall not be affected thereby.</P> <h2><a href="/GAC/120-2-12-.21" name="120-2-12-.21" title="120-2-12-.21">Rule 120-2-12-.21 Penalties</a></h2> <P>Any insurer, agent, representative, officer, or employee of such insurer failing to comply with the requirements of this Regulation shall be subject to such penalties as may be appropriate under the Insurance Laws of the State of Georgia.</P> <h2><a href="/GAC/120-2-12-.22" name="120-2-12-.22" title="120-2-12-.22">Rule 120-2-12-.22 Effective Date</a></h2> <P>This Regulation shall become effective July 1, 1973.</P> <h2><a href="/GAC/120-2-12-.23" name="120-2-12-.23" title="120-2-12-.23">Rule 120-2-12-.23 Repealed</a></h2> <h2><a href="/GAC/120-2-12-.24" name="120-2-12-.24" title="120-2-12-.24">Rule 120-2-12-.24 Repealed</a></h2> <h2><a href="/GAC/120-2-12-.25" name="120-2-12-.25" title="120-2-12-.25">Rule 120-2-12-.25 Repealed</a></h2> <h2><a href="/GAC/120-2-12-.26" name="120-2-12-.26" title="120-2-12-.26">Rule 120-2-12-.26 Repealed</a></h2> <h2><a href="/GAC/120-2-12-.27" name="120-2-12-.27" title="120-2-12-.27">Rule 120-2-12-.27 Repealed</a></h2> <h2><a href="/GAC/120-2-12-.28" name="120-2-12-.28" title="120-2-12-.28">Rule 120-2-12-.28 Repealed</a></h2> <h2><a href="/GAC/120-2-12-.29" name="120-2-12-.29" title="120-2-12-.29">Rule 120-2-12-.29 Repealed</a></h2> <h2><a href="/GAC/120-2-12-.30" name="120-2-12-.30" title="120-2-12-.30">Rule 120-2-12-.30 Repealed</a></h2> <h2><a href="/GAC/120-2-12-.31" name="120-2-12-.31" title="120-2-12-.31">Rule 120-2-12-.31 Repealed</a></h2> <h2><a href="/GAC/120-2-12-.32" name="120-2-12-.32" title="120-2-12-.32">Rule 120-2-12-.32 Repealed</a></h2> <h2><a href="/GAC/120-2-12-.33" name="120-2-12-.33" title="120-2-12-.33">Rule 120-2-12-.33 Repealed</a></h2> <h2><a href="/GAC/120-2-12-.34" name="120-2-12-.34" title="120-2-12-.34">Rule 120-2-12-.34 Repealed</a></h2> </div> </div> </HTML> </div> <div id="toc" class="sidebar noprint"> <ul id="toc-children" class="children"><li><a href="/GAC/120-2-12-.01" name="120-2-12-.01" title="120-2-12-.01">Rule 120-2-12-.01 Statutory Authority</a></li><li><a href="/GAC/120-2-12-.02" name="120-2-12-.02" title="120-2-12-.02">Rule 120-2-12-.02 Purpose</a></li><li><a href="/GAC/120-2-12-.03" name="120-2-12-.03" title="120-2-12-.03">Rule 120-2-12-.03 Applicability</a></li><li><a href="/GAC/120-2-12-.04" name="120-2-12-.04" title="120-2-12-.04">Rule 120-2-12-.04 Definitions</a></li><li><a href="/GAC/120-2-12-.05" name="120-2-12-.05" title="120-2-12-.05">Rule 120-2-12-.05 Form and Content of Advertisements</a></li><li><a href="/GAC/120-2-12-.06" name="120-2-12-.06" title="120-2-12-.06">Rule 120-2-12-.06 Deceptive Words, Phrases or Illustrations Prohibited</a></li><li><a href="/GAC/120-2-12-.07" name="120-2-12-.07" title="120-2-12-.07">Rule 120-2-12-.07 Exceptions, Reductions and Limitations</a></li><li><a href="/GAC/120-2-12-.08" name="120-2-12-.08" title="120-2-12-.08">Rule 120-2-12-.08 Pre-existing Conditions</a></li><li><a href="/GAC/120-2-12-.09" name="120-2-12-.09" title="120-2-12-.09">Rule 120-2-12-.09 Necessity for Disclosure of Policy Provisions Relating to Renewability, Cancellability and Termination</a></li><li><a href="/GAC/120-2-12-.10" name="120-2-12-.10" title="120-2-12-.10">Rule 120-2-12-.10 Testimonials or Endorsements by Third Parties</a></li><li><a href="/GAC/120-2-12-.11" name="120-2-12-.11" title="120-2-12-.11">Rule 120-2-12-.11 Use of Statistics</a></li><li><a href="/GAC/120-2-12-.12" name="120-2-12-.12" title="120-2-12-.12">Rule 120-2-12-.12 Identification of Plan or Number of Policies</a></li><li><a href="/GAC/120-2-12-.13" name="120-2-12-.13" title="120-2-12-.13">Rule 120-2-12-.13 Disparaging Comparisons and Statements</a></li><li><a href="/GAC/120-2-12-.14" name="120-2-12-.14" title="120-2-12-.14">Rule 120-2-12-.14 Jurisdictional Licensing and Status of Insurer</a></li><li><a href="/GAC/120-2-12-.15" name="120-2-12-.15" title="120-2-12-.15">Rule 120-2-12-.15 Identity of Insurer</a></li><li><a href="/GAC/120-2-12-.16" name="120-2-12-.16" title="120-2-12-.16">Rule 120-2-12-.16 Group or Quasi-Group Implications</a></li><li><a href="/GAC/120-2-12-.17" name="120-2-12-.17" title="120-2-12-.17">Rule 120-2-12-.17 Introductory, Initial or Special Offers</a></li><li><a href="/GAC/120-2-12-.18" name="120-2-12-.18" title="120-2-12-.18">Rule 120-2-12-.18 Statements about an Insurer</a></li><li><a href="/GAC/120-2-12-.19" name="120-2-12-.19" title="120-2-12-.19">Rule 120-2-12-.19 Insurers' Responsibility and Control; Advertising File; Certificate of Compliance</a></li><li><a href="/GAC/120-2-12-.20" name="120-2-12-.20" title="120-2-12-.20">Rule 120-2-12-.20 Severability Provision</a></li><li><a href="/GAC/120-2-12-.21" name="120-2-12-.21" title="120-2-12-.21">Rule 120-2-12-.21 Penalties</a></li><li><a href="/GAC/120-2-12-.22" name="120-2-12-.22" title="120-2-12-.22">Rule 120-2-12-.22 Effective Date</a></li><li><a href="/GAC/120-2-12-.23" name="120-2-12-.23" title="120-2-12-.23">Rule 120-2-12-.23 Repealed</a></li><li><a href="/GAC/120-2-12-.24" name="120-2-12-.24" title="120-2-12-.24">Rule 120-2-12-.24 Repealed</a></li><li><a href="/GAC/120-2-12-.25" name="120-2-12-.25" title="120-2-12-.25">Rule 120-2-12-.25 Repealed</a></li><li><a href="/GAC/120-2-12-.26" name="120-2-12-.26" title="120-2-12-.26">Rule 120-2-12-.26 Repealed</a></li><li><a href="/GAC/120-2-12-.27" name="120-2-12-.27" title="120-2-12-.27">Rule 120-2-12-.27 Repealed</a></li><li><a href="/GAC/120-2-12-.28" name="120-2-12-.28" title="120-2-12-.28">Rule 120-2-12-.28 Repealed</a></li><li><a href="/GAC/120-2-12-.29" name="120-2-12-.29" title="120-2-12-.29">Rule 120-2-12-.29 Repealed</a></li><li><a href="/GAC/120-2-12-.30" name="120-2-12-.30" title="120-2-12-.30">Rule 120-2-12-.30 Repealed</a></li><li><a href="/GAC/120-2-12-.31" name="120-2-12-.31" title="120-2-12-.31">Rule 120-2-12-.31 Repealed</a></li><li><a href="/GAC/120-2-12-.32" name="120-2-12-.32" title="120-2-12-.32">Rule 120-2-12-.32 Repealed</a></li><li><a href="/GAC/120-2-12-.33" name="120-2-12-.33" title="120-2-12-.33">Rule 120-2-12-.33 Repealed</a></li><li><a href="/GAC/120-2-12-.34" name="120-2-12-.34" title="120-2-12-.34">Rule 120-2-12-.34 Repealed</a></li></ul> </div> </div> <!--content ends here--> <div id="footer" class="noprint"><span class="footer">Copyright &copy; 2019 Lawriter LLC - All rights reserved.</span>| <a href="mailto:support@casemakerlegal.com?subject=Rules and Regulations of the State of Georgia">Email Us</a> | 844-838-0769 | <a href="http://livechat.casemakerlegal.com/client.php?locale=en" target="_blank" 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