Use of the Word "Insurance"

• Advertisements may not use the names of states or their political subdivisions in policy names or descriptions.

• Advertisements may not imply that the insurer, policy or certificate advertised, or any firm that may contact the consumer in response to the ad, is connected with a governmental agency, such as the Social Security Administration.

• Advertisements may not imply that the reader may lose a right, or privilege, or benefits under federal, state, or local law if he or she fails to respond to the ad.

• An insurer, adviser, broker, or other entity may not use an address to mislead or deceive about its identity, location, or licensing status.

• No insurer may use trade names of its insurance policies or certificates, words so similar to the name of a governmental agency or program that tends to confuse, deceive, or mislead prospects.

• Insurance policy ads must have the insurer's written approval before being used.

• No insurer, agent, broker, or other entity may solicit a particular class using advertisements that state or imply that being members of the class entitles them to group or other reduced rates when the policy or certificate advertised is being sold on an individual basis at regular rates.

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Ohio National is not affiliated with, nor does it endorse or sponsor, any particular prospecting, marketing or selling system.

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