State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A marketer mails a card styled as a government benefits survey that does not disclose that insurance will be solicited and that an agent will call. How is this practice treated under California law?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
A solicitation disguised as a government survey is the classic prohibited cold lead practice. CIC Section 10234.93(b)(3) bans marketing that fails to conspicuously disclose that its purpose is insurance solicitation and that an agent or company will make contact. Disguising the solicitation as a government survey is precisely the deception the rule targets. AH-V.2d anchors this prohibition.
Why the other options are wrong
- A) Being free does not cure the failure to disclose the solicitation purpose.
- C) The disclosure requirement protects all consumers, including those under 65.
- D) NAIC models do not require disguised surveys; California law bans the misrepresentation.
Memory hook
A 'government survey' that ends with an agent call = illegal cold lead disguise.