Wyoming Administrative Code
Agency 044 - Insurance Dept
Sub-Agency 0002 - General Agency, Board or Commission Rules
Chapter 21 - Rules Governing Advertisements of Accident and Sickness Insurance
Section 21-15 - Group or Quasi-Group Implications
Current through September 21, 2024
(a) An advertisement of a particular policy shall not state or imply that prospective insureds become group or quasi-group members covered under a group policy and as members enjoy special rates or underwriting privileges, unless that is the fact.
(b) Solicitations of a particular class, such as governmental employees, by use of advertisements which state or imply that their occupational status entitles them to reduced rates on a group or other basis when in fact the policy being advertised is sold only on an individual basis at regular rates is prohibited.
(c) Advertisements indicating that a particular coverage or policy is exclusively for "preferred risks," a particular segment of the population, or that a particular segment of the population is an acceptable risk when the distinctions are not maintained in issuing policies are prohibited.
(d) An advertisement to join an association, trust, or discretionary group that is also an invitation to contract for insurance coverage shall clearly disclose that the applicant will be purchasing both membership in the association, trust, or discretionary group and insurance coverage. The insurer shall solicit insurance coverage on a separate and distinct application requiring a separate signature. The separate and distinct applications required need not be on separate documents or contained in a separate mailing. The insurance program shall be presented so as not to conceal the fact that prospective members are purchasing insurance as well as applying for membership, if that is the case. Similarly, it is prohibited to use terms such as "enroll" or "join" to imply group or blanket insurance coverage when that is not the fact.
(e) Advertisements for group or franchising plans providing a common benefit or a common combination of benefits shall not imply that the insurance coverage is tailored or designed specifically for that group, unless that is the fact.
