Which statement best reflects advertising standards for life insurance?

• A. Advertising may misrepresent premiums if necessary
• B. Advertising can omit policy limitations
• C. Advertising can imply guarantees not stated
• D. Advertising should be truthful and not misleading

Answer: (D)

Advertising for life insurance must be truthful and not misleading. This principle keeps consumers informed with accurate information about premiums, policy benefits, and any limitations or exclusions. Misrepresenting premiums or omitting important policy terms would mislead applicants, and implying guarantees or outcomes not stated in the policy would be deceptive. So the best practice is to advertise in a way that presents facts honestly, with appropriate disclosures and without creating false impressions about guarantees, prices, or coverage.