Pennsylvania Code
Title 31 - INSURANCE
Part VIII - Miscellaneous Provisions
Chapter 146d - MILITARY SALES PRACTICES
Section 146d.5 - Practices declared false, misleading, deceptive or unfair on a military installation
Universal Citation: 31 PA Code ยง 146d.5
Current through Register Vol. 54, No. 12, March 23, 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 deemed and 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, 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 confirming 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 Department of Defense or
any branch of the Armed Forces.
(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 deemed and declared to be false, misleading, deceptive or unfair:
(1) Directly or indirectly using an active
duty service member or a civilian, nonappropriated fund, or special government
employee of the Department of Defense 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.
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