State RegulationsMA specificDifficulty 2/5
A producer soliciting a Medicare supplement applicant pressures her to decide on the spot, discourages her from comparing other policies, and urges her to replace coverage she already has. Under 211 CMR 71.16, this conduct is:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
211 CMR 71.16 regulates how Medicare supplement insurance may be marketed in Massachusetts: solicitation must be fair, must not use high-pressure tactics, and must not mislead applicants about their existing coverage or the benefits of replacing it. The producer's pressure tactics and discouragement of comparison sit squarely in the prohibited zone the Massachusetts Division of Insurance polices. The applicant's eventual signature does not sanitize the conduct — the marketing process itself must comply.
Why the other options are wrong
- B) A voluntary signature does not excuse high-pressure solicitation; the rule governs the marketing conduct itself under 211 CMR 71.16.
- C) The marketing standards apply to every Medicare supplement sale; there is no first-sale exemption.
- D) The rule does the opposite: it restrains pressure and inappropriate replacement urging rather than requiring them.
Memory hook
Pressure and twisting cost the license under 71.16.