Current through 2024-38, September 18, 2024
A. The following
acts or practices when committed on a military installation by an insurer or
insurance producer with respect to the in-person, face-to-face solicitation of
life insurance are declared to be false, misleading, deceptive or unfair:
(1) Knowingly soliciting the purchase of any
life insurance product "door to door" or without first establishing a specific
appointment for each meeting with the prospective purchaser.
(2) Soliciting service members in a group or
"mass" audience or in a "captive" audience where attendance is not
voluntary.
(3) Knowingly making
appointments with or soliciting service members during their normally scheduled
duty hours.
(4) Making appointments
with or soliciting service members in barracks, day rooms, unit areas, or
transient personnel housing or other areas where the installation commander has
prohibited solicitation.
(5)
Soliciting the sale of life insurance without first obtaining permission from
the installation commander or the commander's designee.
(6) Posting unauthorized bulletins, notices,
or advertisements.
(7) Failing to
present DD Form 2885, Personal Commercial Solicitation
Evaluation, to service members solicited or encouraging service
members solicited not to complete or submit a DD Form 2885.
(8) Knowingly accepting an application for
life insurance or issuing a policy of life insurance on the life of an enlisted
member of the United States Armed Forces without first obtaining for the
insurer's files a completed copy of any required form which confirms that the
applicant has received counseling or fulfilled any other similar requirement
for the sale of life insurance established by regulations, directives, or rules
of the DoD or any branch of the Armed Forces.
[Drafting Note:
Currently, Army Regulation 210-7, which applies only
to Army pay grades E-3 and below, requires that DA Form 2056, "Commercial
Insurance Solicitation Record" be completed. At the time this Rule was adopted,
there were no similar requirements for other service branches, although it is
anticipated that in the future there may be similar regulations adopted by
other service branches.]
B.
The following acts or practices when committed on a military installation by an
insurer or insurance producer constitute corrupt practices, improper influences
or inducements and are declared to be false, misleading, deceptive, or unfair:
(1) Using DoD personnel, directly or
indirectly, as a representative or agent in any official or business capacity
with or without compensation with respect to the solicitation or sale of life
insurance to service members.
(2)
Using an insurance producer to participate in any United States Armed Forces
sponsored education or orientation program.
