044-21 Wyo. Code R. §§ 21-15 - Group or Quasi-Group Implications
(a) An advertisement of a particular policy
shall not state or imply that prospective insureds become group or quasi-group
members covered under a group policy and as members enjoy special rates or
underwriting privileges, unless that is the fact.
(b) Solicitations of a particular class, such
as governmental employees, by use of advertisements which state or imply that
their occupational status entitles them to reduced rates on a group or other
basis when in fact the policy being advertised is sold only on an individual
basis at regular rates is prohibited.
(c) Advertisements indicating that a
particular coverage or policy is exclusively for "preferred risks," a
particular segment of the population, or that a particular segment of the
population is an acceptable risk when the distinctions are not maintained in
issuing policies are prohibited.
(d) An advertisement to join an association,
trust, or discretionary group that is also an invitation to contract for
insurance coverage shall clearly disclose that the applicant will be purchasing
both membership in the association, trust, or discretionary group and insurance
coverage. The insurer shall solicit insurance coverage on a separate and
distinct application requiring a separate signature. The separate and distinct
applications required need not be on separate documents or contained in a
separate mailing. The insurance program shall be presented so as not to conceal
the fact that prospective members are purchasing insurance as well as applying
for membership, if that is the case. Similarly, it is prohibited to use terms
such as "enroll" or "join" to imply group or blanket insurance coverage when
that is not the fact.
(e)
Advertisements for group or franchising plans providing a common benefit or a
common combination of benefits shall not imply that the insurance coverage is
tailored or designed specifically for that group, unless that is the
fact.
Notes
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