Maryland Insurance Administration Life-Producer Question Answer
Advertisements in general shall be:
Approved by the Insurance Commissioner
Clear only by implication
Clear only by familiarity with insurance terminology
Truthful
Comprehensive and Detailed Step by Step Explanation:Maryland law requires that insurance advertisements be honest, transparent, and not misleading.
Truthful (D):Correct. Ads must provide accurate information about insurance products and benefits without omitting material facts.
Approved by the Insurance Commissioner (A):Some materials may require regulatory review, but general ads do not need pre-approval.
Clear only by implication (B):Misleading and prohibited.
Clear only by familiarity with insurance terminology (C):Ads must be understandable to the general public, not just industry professionals.
References:Maryland Advertising Regulations, COMAR 31.15.01, and Unfair Trade Practices Act.
TESTED 23 Feb 2026
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