Who controls the content and distribution of insurance policy advertisements?

The control of the content and distribution of insurance policy advertisements primarily resides with the insurer. This is because insurers are responsible for their own marketing materials and must ensure that all advertising accurately reflects the products they offer while complying with state and federal regulations. Insurers must also be diligent in providing clear, truthful information to avoid misleading potential customers.

While the NAIC (National Association of Insurance Commissioners) does provide a framework and guidelines for states regarding insurance regulations, it does not directly control the advertising practices of individual insurers. The attorney general may have a role in overseeing any deceptive practices within the state, but the immediate responsibility for establishing and managing advertising content lies with the insurer itself. Producers or agents can promote insurance products, but they typically do so using the materials provided by the insurer and must adhere to the guidelines set forth by the insurer regarding advertising.