Which of the following would be an unfair life insurance advertising practice?

• A. Advertising that is truthful and not misleading.
• B. Misrepresentation of benefits or omission of essential facts.
• C. Comparisons that are clearly labeled and accurate.
• D. Fully disclosing all fees and charges.

Answer: (B)

Advertising life insurance must be truthful and not misleading. Misrepresentation of benefits or omission of essential facts creates a false impression about what a policy actually provides, including its coverage, costs, terms, or exclusions. That kind of deception undermines informed decision-making and violates advertising rules designed to protect consumers. So this is the best description of an unfair practice. By contrast, truthful and not misleading statements, clearly labeled and accurate comparisons, and full disclosure of all fees and charges are appropriate and required practices that promote transparency.