Which advertisement wording violates Georgia's advertising rules under Reg. 120-2-11-.05?

Why D is correct

Under Reg. 120-2-11-.05, advertisements may not use the words investment, profit, deposit, savings, savings plan, or investment plan in a context that misleads the public about the nature of the policy. Presenting life insurance premiums as a savings plan blurs the line between an insurance contract and a bank product, which is exactly the misleading framing the rule forbids.

Why the other options are wrong

• A) Accurately stating the guaranteed death benefit is truthful disclosure of a policy term, not misleading terminology.
• B) Identifying the insurer's home office and license status is ordinary, required identifying information in an advertisement.
• C) Correctly explaining the examination period informs the applicant of a real statutory right and violates nothing.

Memory hook

No savings, deposit, or investment spin — a policy is insurance.

Why A is correct

Reg. 120-2-11-.05 prohibits advertisements from using the terms 'investment,' 'profit,' 'deposit,' 'savings,' 'savings plan,' or 'investment plan' in any context that misleads about the true nature of a life policy. Life insurance is not a bank product, and these terms suggest guaranteed growth or fund accumulation that the contract does not provide. Accurate statements of benefits, the insurer's identity, or policy provisions remain permissible.

Why the other options are wrong

• B) Truthfully stating the death benefit is exactly what an advertisement should do; the ban targets misleading characterizations, not accurate facts.
• C) Identifying the insurer's licensed name and home office is ordinary, permissible advertising information.
• D) An accurate explanation of the policy's grace period is permitted; only misleading terminology is banned.

Memory hook

No 'savings' or 'deposit' talk — a life policy is insurance, not a bank account.