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508E.14 Advertising for viatical settlements. The purpose of this section is to provide prospective viators with clear and unambiguous statements in the advertisement of viatical settlements and to assure the clear, truthful,and adequate disclosure of the benefits, risks, limitations, and exclusions of any viaticalsettlement contract. This purpose is intended to be accomplished by rules adopted by the commissioner for the establishment of guidelines and standards of permissible andimpermissible conduct in the advertising of viatical settlements to assure that productdescriptions are presented in a manner that prevents unfair, deceptive, or misleadingadvertising, and is conducive to accurate presentation and description of viatical settlementsthrough the advertising media and materials used by viatical settlement licensees. 1. This section shall apply to any advertising of viatical settlement contracts or related products or services intended for dissemination in this state, including internet advertisingviewed by persons located in this state. Where disclosure requirements are establishedpursuant to federal regulation, this section shall be interpreted so as to minimize or

luding internet advertisingviewed by persons located in this state. Where disclosure requirements are establishedpursuant to federal regulation, this section shall be interpreted so as to minimize or eliminateconflict with federal regulation wherever possible. 2. Every viatical settlement licensee shall establish and at all times maintain a system of control over the content, form, and method of dissemination of all advertisements of itscontracts, products, and services. All advertisements, regardless of by whom written, created,designed, or presented, shall be the responsibility of the viatical settlement licensees, as wellas the individual who created or presented the advertisement. A system of control shallinclude regular, routine notification, at least once a year, to agents and others authorizedby the viatical settlement licensee who disseminate advertisements of the requirements andprocedures for approval prior to the use of any advertisements not furnished by the viaticalsettlement licensee. 3. An advertisement shall be truthful and not misleading in fact or by implication. The form and content of an advertisement of a viatical settlement contract shall be

he viaticalsettlement licensee. 3. An advertisement shall be truthful and not misleading in fact or by implication. The form and content of an advertisement of a viatical settlement contract shall be sufficientlycomplete and clear so as to avoid deception. It shall not have the capacity or tendency tomislead or deceive. Whether an advertisement has the capacity or tendency to misleador deceive shall be determined by the commissioner from the overall impression that theadvertisement may be reasonably expected to create upon a person of average education orintelligence within the segment of the public to which it is directed. 4. The information required to be disclosed under this section shall not be minimized, rendered obscure, or presented in an ambiguous fashion or intermingled with the text of theadvertisement so as to be confusing or misleading. a. An advertisement shall not omit material information or use words, phrases, statements, references, or illustrations if the omission or use has the capacity, tendency,or effect of misleading or deceiving viators as to the nature or extent of any benefit, losscovered, premium payable, or state or federal tax consequence.

e omission or use has the capacity, tendency,or effect of misleading or deceiving viators as to the nature or extent of any benefit, losscovered, premium payable, or state or federal tax consequence. The fact that the viaticalsettlement contract offered is made available for inspection prior to consummation of thesale, or an offer is made to refund the payment if the viator is not satisfied or that the viaticalsettlement contract includes a free-look period that satisfies or exceeds legal requirements,does not remedy a misleading statement. b. An advertisement shall not use the name or title of a life insurance company or a life insurance policy unless the advertisement has been approved by the insurer. c. An advertisement shall not state or imply that interest charged on an accelerated death benefit or a policy loan is unfair, inequitable, or in any manner an incorrect or improperpractice. d. The words 'free', 'no cost', 'without cost', 'no additional cost', 'at no extra cost', or words of similar import shall not be used with respect to any benefit or service unless true.An advertisement may specify the charge for a benefit or a service or may state that a chargeis included in

ords of similar import shall not be used with respect to any benefit or service unless true.An advertisement may specify the charge for a benefit or a service or may state that a chargeis included in the payment or use other appropriate language. e. Testimonials, appraisals, analyses, or endorsements used in advertisements must be genuine; represent the current opinion of the author; be applicable to the viatical settlementcontract product or service advertised, if any; and be accurately reproduced with sufficientcompleteness to avoid misleading or deceiving prospective viators as to the nature or scope Sat Dec 23 00:41:30 2023 Iowa Code 2024, Section 508E.14 (16, 0) §508E.14, VIATICAL SETTLEMENT CONTRACTS 2 of the testimonials, appraisal, analysis, or endorsement. In using a testimonial, appraisal,analysis, or endorsement, a licensee under this chapter makes as its own all the statementscontained therein, and the statements are subject to all of the provisions of this section. (1) If the individual making a testimonial, appraisal, analysis, or an endorsement has a financial interest in the party making use of the testimonial, appraisal, analysis, orendorsement, either directly or

the individual making a testimonial, appraisal, analysis, or an endorsement has a financial interest in the party making use of the testimonial, appraisal, analysis, orendorsement, either directly or through a related entity as a stockholder, director, officer,employee, or otherwise, or receives any benefit directly or indirectly other than requiredunion scale wages, that fact shall be prominently disclosed in the advertisement. (2) An advertisement shall not state or imply that a viatical settlement contract benefit or product or service has been approved or endorsed by a group of individuals, society,association, or other organization unless that is the fact and unless any relationship betweenan organization and the viatical settlement licensee is disclosed. If the entity making theendorsement or testimonial is owned, controlled, or managed by the viatical settlementlicensee, or receives any payment or other consideration from the viatical settlement licenseefor making an endorsement or testimonial, that fact shall be disclosed in the advertisement. (3) When an endorsement refers to benefits received under a viatical settlement contract, all pertinent information shall be

rsement or testimonial, that fact shall be disclosed in the advertisement. (3) When an endorsement refers to benefits received under a viatical settlement contract, all pertinent information shall be retained by the viatical settlement licensee for a period offive years after its use. 5. An advertisement shall not contain statistical information unless it accurately reflects recent and relevant facts. The source of all statistics used in an advertisement shall beidentified. 6. An advertisement shall not disparage an insurer, viatical settlement provider, viatical settlement broker, insurance producer, policy, services, or methods of marketing. 7. The name of the viatical settlement licensee shall be clearly identified in all advertisements about the viatical settlement licensee or its viatical settlement contract,products, or services, and if any specific viatical settlement contract is advertised, the viaticalsettlement contract shall be identified either by form number or some other appropriatedescription. If an application is part of the advertisement, the name of the viatical settlementprovider shall be shown on the application. 8.

dentified either by form number or some other appropriatedescription. If an application is part of the advertisement, the name of the viatical settlementprovider shall be shown on the application. 8. An advertisement shall not use a trade name, group designation, name of the parent company of a viatical settlement licensee, name of a particular division of the viaticalsettlement licensee, service mark, slogan, symbol or other device, or reference withoutdisclosing the name of the viatical settlement licensee, if the advertisement would have thecapacity or tendency to mislead or deceive as to the true identity of the viatical settlementlicensee, or to create the impression that a company other than the viatical settlementlicensee would have any responsibility for the financial obligation under a viatical settlementcontract. 9. An advertisement shall not use any combination of words, symbols, or physical materials that by their content, phraseology, shape, color, or other characteristics are sosimilar to a combination of words, symbols, or physical materials used by a governmentprogram or agency or otherwise appear to be of such a nature that they tend to misleadprospective viators

s are sosimilar to a combination of words, symbols, or physical materials used by a governmentprogram or agency or otherwise appear to be of such a nature that they tend to misleadprospective viators into believing that the solicitation is in some manner connected with agovernment program or agency. 10. An advertisement may state that a viatical settlement licensee is licensed in the state where the advertisement appears, provided it does not exaggerate that fact or suggest orimply that a competing viatical settlement licensee may not be so licensed. The advertisementmay ask the audience to consult the viatical settlement licensee’s internet site or contactthe commissioner to find out if the state requires licensing and, if so, whether the viaticalsettlement provider or viatical settlement broker is licensed. 11. An advertisement shall not create the impression that the viatical settlement provider, its financial condition or status, the payment of its claims or the merits, desirability, oradvisability of its viatical settlement contracts are recommended or endorsed by anygovernment entity. 12.

its financial condition or status, the payment of its claims or the merits, desirability, oradvisability of its viatical settlement contracts are recommended or endorsed by anygovernment entity. 12. The name of the actual viatical settlement licensee shall be stated in each of its advertisements. An advertisement shall not use a trade name, any group designation, nameof any affiliate, or controlling entity of the viatical settlement licensee, service mark, slogan, Sat Dec 23 00:41:30 2023 Iowa Code 2024, Section 508E.14 (16, 0) symbol, or other device in a manner that would have the capacity or tendency to misleador deceive as to the true identity of the actual viatical settlement licensee or create thefalse impression that an affiliate or controlling entity would have any responsibility for thefinancial obligation of the viatical settlement licensee. 13. An advertisement shall not directly or indirectly create the impression that any division or agency of the state or of the United States government endorses, approves, orfavors any of the following: a. A viatical settlement licensee or its business practices or methods of operation.b.

ion or agency of the state or of the United States government endorses, approves, orfavors any of the following: a. A viatical settlement licensee or its business practices or methods of operation.b. The merits, desirability, or advisability of any viatical settlement contract.c. Any viatical settlement contract.d. Any life insurance policy or life insurance company.14. If the advertiser emphasizes the speed with which the viatication will occur, the advertising must disclose the average time frame from completed application to the date ofoffer and from acceptance of the offer to receipt of the funds by the viator. 15. If the advertising emphasizes the dollar amounts available to viators, the advertising shall disclose the average purchase price as a percent of face value obtained by viatorscontracting with the licensee during the past six months. 2008 Acts, ch 1155, §14Referred to in §508E.5 Sat Dec 23 00:41:30 2023 Iowa Code 2024, Section 508E.14 (16, 0)