A state department of insurance compliance investigator is analyzing four distinct regulatory complaint files. Match each specific producer or insurer action described in the files to the correct statutory unfair trade practice violation.
- Including an ancillary motor club membership fee in an auto policy premium quote without the applicant's knowledge or informed consent.Sliding
- Colluding with competing agencies to refuse all business with a specific regional carrier until that carrier agrees to increase its agent commission rates.Boycott
- Distributing marketing materials that claim a life insurance policy's cash value is guaranteed against loss by the Federal Deposit Insurance Corporation (FDIC).False Advertising
- Charging different life insurance premiums to individuals who are in the exact same actuarial hazard and life expectancy classification based solely on their marital status.Unfair Discrimination
Cevap
1 matches with Sliding; 2 matches with Boycott; 3 matches with False Advertising; 4 matches with Unfair Discrimination.
Each scenario maps directly to a defined statutory violation: adding unauthorized fees is sliding, refusing to deal to force an outcome is a boycott, distributing misleading financial claims is false advertising, and imposing non-actuarial premium differences is unfair discrimination.
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Anahtar Kavram
Statutory Unfair Trade Practices