Connecticut Administrative Code
Title 38a - Insurance Department
819 - Unfair Insurance Practices: Advertisements of Accident and Sickness Insurance
Section 38a-819-5 - Form and content of advertisements

Universal Citation: CT Reg of State Agencies 38a-819-5

Current through March 14, 2024

A. The format and content of an advertisement of an accident or sickness insurance policy 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 Commissioner of Insurance 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.

B. Advertisements 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.

C. An offer in an advertisement of free inspection of policy or offer of a premium refund or offer to inquire is not a cure for misleading or deceptive statements contained in such advertisement.

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