<html xmlns="http://www.w3.org/1999/xhtml"><head><meta charset="UTF-8" /><title></title><meta name="Generator" content="PowerTools for Open XML" /><style>span { white-space: pre-wrap; } p.s8707005d-d4ef-4575-a6fb-d22b32b108e5P0 { margin-top: 0; margin-bottom: 0; margin-left: 0; margin-right: 0; text-indent: 0.00in; text-align: justify; background: white; font-family: 'Times New Roman', 'serif'; font-size: 12pt; line-height: 108%; } span.s8707005d-d4ef-4575-a6fb-d22b32b108e5C0 { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.s8707005d-d4ef-4575-a6fb-d22b32b108e5C0-000000 { color: #0000FF; font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } span.s8707005d-d4ef-4575-a6fb-d22b32b108e5C0-000001 { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } span.s8707005d-d4ef-4575-a6fb-d22b32b108e5000002 { font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.s8707005d-d4ef-4575-a6fb-d22b32b108e5C0-000003 { color: #0000FF; font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } </style></head><body><div><p dir="ltr" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5P0"><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0">    </span><a href="https://sdlegislature.gov/Rules?Rule=20:06:21:31"><span class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0-000000">20:06:21:31</span></a><span class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0-000001">.  Standards for marketing -- Requirements.</span><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0"> Each insurer, health care service plan, or other entity marketing long-term care insurance coverage in this state, directly or through its producers, shall:</span></p><p dir="ltr" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5P0"><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5000002"> </span></p><p dir="ltr" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5P0"><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0">    (1)  Establish marketing procedures and agent training requirements to assure that any comparison of policies by its agents or other producers will be fair and accurate;</span></p><p dir="ltr" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5P0"><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5000002"> </span></p><p dir="ltr" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5P0"><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0">    (2)  Establish marketing procedures and agent training requirements to assure that excessive insurance is not sold or issued;</span></p><p dir="ltr" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5P0"><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5000002"> </span></p><p dir="ltr" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5P0"><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0">    (3)  Display prominently by type, stamp, or other means, on the first page of the outline of coverage and policy the following: "Notice to buyer: This policy may not cover all of the costs associated with long-term care incurred by the buyer during the period of coverage. The buyer is advised to review carefully all policy limitations";</span></p><p dir="ltr" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5P0"><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5000002"> </span></p><p dir="ltr" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5P0"><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0">    (4)  Inquire and otherwise make every reasonable effort to identify whether a prospective applicant or enrollee for long-term care insurance already has accident and sickness or long-term care insurance and the types and amounts of any such insurance, except in the case of qualified long-term care insurance</span><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0"> </span><span class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0">contracts, an inquiry into whether a prospective applicant or enrollee for long-term care insurance has</span><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0"> </span><span class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0">accident and sickness insurance is not required;</span></p><p dir="ltr" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5P0"><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5000002"> </span></p><p dir="ltr" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5P0"><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0">    (5)  Establish auditable procedures for verifying compliance with this section; and</span></p><p dir="ltr" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5P0"><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5000002"> </span></p><p dir="ltr" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5P0"><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0">    (6)  Provide an explanation of contingent benefit upon lapse provided for in subdivision </span><a href="https://sdlegislature.gov/Rules?Rule=20:06:21:58"><span class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0-000003">20:06:21:58</span></a><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0">(4)(c) and, if applicable, the additional contingent benefit upon lapse provided to policies with fixed or limited premium paying periods in subdivision </span><a href="https://sdlegislature.gov/Rules?Rule=20:06:21:58"><span class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0-000003">20:06:21:58</span></a><span class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0">(4)(d).</span></p><p dir="ltr" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5P0"><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5000002"> </span></p><p dir="ltr" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5P0"><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0">    If the state in which the policy or certificate is to be delivered or issued for delivery has a senior insurance counseling program approved by the director in the state in which the certificate was issued, the insurer shall, at solicitation, provide written notice to the prospective policyholder or certificateholder that such a program is available and the name, address, and telephone number of the program.</span></p><p dir="ltr" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5P0"><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5000002"> </span></p><p dir="ltr" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5P0"><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0">    </span><span class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0-000001">Source:</span><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0"> 22 SDR 97, effective December 18, 1995; 33 SDR 230, effective July 2, 2007</span><span class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0">; 44 SDR 184, effective June 25, 2018</span><span class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0">.</span></p><p dir="ltr" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5P0"><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0">    </span><span class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0-000001">General Authority:</span><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0"> SDCL </span><a href="https://sdlegislature.gov/Statutes?Statute=58-17B-4"><span class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0-000003">58-17B-4</span></a><span class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0">.</span></p><p dir="ltr" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5P0"><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0">    </span><span class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0-000001">Law Implemented:</span><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0"> SDCL </span><a href="https://sdlegislature.gov/Statutes?Statute=58-17B-4"><span class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0-000003">58-17B-4</span></a><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0">, </span><a href="https://sdlegislature.gov/Statutes?Statute=58-17B-12"><span class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0-000003">58-17B-12</span></a><span class="s8707005d-d4ef-4575-a6fb-d22b32b108e5C0">.</span></p><p dir="ltr" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5P0"><span xml:space="preserve" class="s8707005d-d4ef-4575-a6fb-d22b32b108e5000002"> </span></p></div></body></html>