New Jersey Administrative Code
Title 11 - INSURANCE
Chapter 4 - ACTUARIAL SERVICES
Subchapter 12 - STUDENT LIFE INSURANCE
Section 11:4-12.1 - Student life insurance solicitation

Universal Citation: NJ Admin Code 11:4-12.1

Current through Register Vol. 56, No. 6, March 18, 2024

(a) The purpose is to avoid any link or implication of association between a school or university and an insurance company soliciting life insurance unless specific endorsement by the school has been made.

(b) Student life insurance is life insurance offered to a person because he/she is enrolled in an institution offering a post high school education.

(c) Requirements governing the envelope in which a solicitation is mailed, delivered or offered are as follows.

1. A return address must appear in the front upper left corner of the envelope and must provide the full name and street address of the company, agent or broker soliciting the insurance, who must be identified as such. Example of a suitable return address is: Ann Doe, Insurance Agent, 00 Main Street, Chester, New Jersey 08001.

2. The return address may not use the term "office of".

3. The envelope may be addressed to "The Parents of Joan Smith" or to specifically named parents, that is, "Mr. & Mrs. Smith". The address may not include any combination of words that indicates that the correspondence is coming from the school itself rather than the insurance company or agent, nor may it imply that the school has endorsed the material and supplied the company with information about the student. Examples of unacceptable modes of address include, but are not limited to, the following:
i. "The Parents of Registered Freshman Joan Smith";

ii. "The Parents of Cornell University Student Joan Smith";

iii. "The Parents of Joan Smith, Yale Sophomore";

iv. "Tom Jones, Yale Senior".

4. If the term "Student Insurance Forms Enclosed" is used on the envelope, it must appear on one continuous line. For example, it is impermissible to divide the words so that "student insurance" appears on one line and "forms enclosed" on the next.

5. The slogan which often appears on an envelope to the left of the postal meter stamp may not focus on or mention education. Neutral slogans, such as "Buy Government Bonds" or "Support Your Local United Fund", are acceptable.

(d) Requirements governing all solicitation materials, including letters, circulars and informational flyers are as follows.

1. All material must be clearly identified as coming from an agent, broker or company, if such is the case, and these entities must be clearly identified as such.
i. Names and addresses of the soliciting agent, broker and company must appear at the top of the first page of the letter or brochure in print size no smaller than 14-point type.

ii. Logos may not be substituted for the information required above.

2. No connection between the school and the insurance company, agent or broker is to be implied unless the school has specifically endorsed the policy being sold.

3. "Office of" is prohibited from use anywhere on the materials.

4. The salutation and inside address on the solicitation material may be addressed to "The Parents of Joan Smith" or to the specifically named parents, that is, "Mr. & Mrs. Smith". The inside address may not include any combination of words that indicate that the correspondence is coming from the school itself rather than the insurance company or agent, nor may it imply that the school has endorsed the material and supplied the company with information about the student. Examples of inappropriate modes of address include, but are not limited to, the following:
i. "The Parents of Registered Freshman Joan Smith";

ii. "The Parents of Cornell University Student Joan Smith";

iii. "The Parents of Joan Smith, Yale Sophomore";

iv. "Tom Jones, Yale Senior".

(e) Records required to be maintained include the following.

1. Complete sample mailings must be on file at the home office of the insurer for a period of five years subsequent to the date of the mailings.

2. The soliciting New Jersey agent or broker must keep the same records on file as the insurer.

3. The above files shall include:
i. Description of target groups solicited;

ii. Specimen copy of mailing;

iii. Date of mailing and number of pieces mailed.

Disclaimer: These regulations may not be the most recent version. New Jersey may have more current or accurate information. We make no warranties or guarantees about the accuracy, completeness, or adequacy of the information contained on this site or the information linked to on the state site. Please check official sources.
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