New Jersey Life and Health State Practice Exam

Which of the following may NOT be included in a health insurance advertisement?

1. The company’s actual name

2. Generic terms for coverage

3. An insurance company's trademark instead of the company's actual name

4. State regulations regarding health insurance

The correct answer is: An insurance company's trademark instead of the company's actual name

In health insurance advertising, clarity and transparency about the company and its offerings are crucial. The use of an insurance company's trademark instead of the company's actual name may not be acceptable because it can create confusion or mislead consumers regarding the identity of the insurer. Advertisements must clearly identify the company providing the insurance coverage to ensure that consumers can make informed decisions. On the other hand, including the company's actual name, using generic terms for coverage, and mentioning applicable state regulations are practices that contribute to transparency and compliance with advertising guidelines. These elements help potential policyholders understand the offerings and the legal context in which they are being marketed, thus enhancing consumer education rather than obscuring it. Advertisements that utilize trademarks without clearly stating the actual company name can undermine the trust and clarity that the regulation seeks to uphold in the insurance market.