Advertising & Sales Rules (F.S. 626.9531)

All advertisements used by agents, producers, brokers, or an insurer's solicitors must be approved by the insurer — prior written approval, or prior oral approval with subsequent written confirmation (F.A.C. 69B-150.013; F.S. 626.9531 separately requires every ad to identify itself as relating to insurance). "Advertisement" includes communications in newspapers, magazines, or other publications; notices, circulars, pamphlets, letters, posters; and radio or TV ads. It does NOT include material used solely for training and education of insurer employees/agents/brokers, internal communications within the insurer, or correspondence between a prospective group or blanket policyholder and the insurer during negotiations. Required disclosures must be conspicuous and connected to the statements they relate to — never minimized, obscured, ambiguous, or intermingled to confuse or mislead. Each insurer keeps a complete advertising file in its home office, open to inspection, for four (4) years or until the filing of the following regular report or examination of the insurer, whichever is longer — including all agent/broker ads the insurer approved for use in Florida.

If it sells to the public, the insurer signs off first and keeps a copy on file for four years.