North Dakota Administrative Code
Title 45 - Insurance, Commissioner of
Article 45-04 - Life Insurance
Chapter 45-04-10 - Advertising Rules
Section 45-04-10-02 - Applicability

1. This chapter applies to any advertisement of life insurance or an annuity product intended for dissemination in this state and which advertisement is disseminated in any manner by or on behalf of an insurance company, agency, agent, or broker.

2. All advertisements, regardless of by whom written, created, designed, or presented, shall be the responsibility of the insurer, as well as the agent or agency who created, requested, or presented the advertisement. Insurers shall establish and at all times maintain a system of control over the content, form, and methods of dissemination of all advertisements of its policies. A system of control shall include regular and routine notification, at least once a year, to agents, brokers, and others authorized by the insurer to disseminate advertisements, of the requirement and procedures for insurance company approval prior to the use of any advertisements that are not furnished by the insurer and that clearly set forth within the notice the most serious consequences of not obtaining the required prior approval.