<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.s031722ab-9407-4eff-bb4b-21ae4e6a9a97P0 { 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.s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0 { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0-000000 { color: #0000FF; font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } span.s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0-000001 { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } span.s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0-000002 { color: #0000FF; font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.s031722ab-9407-4eff-bb4b-21ae4e6a9a97000003 { font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } </style></head><body><div><p dir="ltr" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97P0"><span xml:space="preserve" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0">    </span><a href="https://sdlegislature.gov/Rules?Rule=20:06:21:32"><span class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0-000000">20:06:21:32</span></a><span class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0-000001">.  Standards for marketing -- Prohibited practices.</span><span xml:space="preserve" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0"> In addition to the practices prohibited in SDCL chapter </span><a href="https://sdlegislature.gov/Statutes?Statute=58-33"><span class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0-000002">58-33</span></a><span class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0">, the following practices are prohibited:</span></p><p dir="ltr" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97P0"><span xml:space="preserve" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97000003"> </span></p><p dir="ltr" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97P0"><span xml:space="preserve" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0">    (1)  Twisting. Knowingly making any misleading representation or incomplete or fraudulent comparison of any insurance policies or insurers for the purpose of inducing or tending to induce a person to lapse, forfeit, surrender, terminate, retain, pledge, assign, borrow on, or convert an insurance policy or to take out a policy of insurance with another insurer;</span></p><p dir="ltr" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97P0"><span xml:space="preserve" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97000003"> </span></p><p dir="ltr" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97P0"><span xml:space="preserve" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0">    (2)  High pressure tactics. Employing any method of marketing inducing, having the effect of inducing, or tending to induce the purchase of insurance through force, fright, explicit or implied threat, or undue pressure to purchase or recommend the purchase of insurance;</span></p><p dir="ltr" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97P0"><span xml:space="preserve" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97000003"> </span></p><p dir="ltr" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97P0"><span xml:space="preserve" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0">    (3)  Cold lead advertising. Making use directly or indirectly of a method of marketing which fails to disclose in a conspicuous manner that a purpose of the method of marketing is solicitation of insurance and that contact will be made by an insurance agent or insurance company</span><span class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0">; and</span></p><p dir="ltr" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97P0"><span xml:space="preserve" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97000003"> </span></p><p dir="ltr" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97P0"><span xml:space="preserve" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0">    (4)  Misrepresentation. Misrepresenting a material fact in selling or offering to sell a long-term care insurance policy</span><span class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0">.</span></p><p dir="ltr" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97P0"><span xml:space="preserve" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97000003"> </span></p><p dir="ltr" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97P0"><span xml:space="preserve" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0">    </span><span class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0-000001">Source:</span><span xml:space="preserve" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0"> 22 SDR 97, effective December 18, 1995</span><span class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0">; 44 SDR 184, effective June 25, 2018</span><span class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0">.</span></p><p dir="ltr" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97P0"><span xml:space="preserve" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0">    </span><span class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0-000001">General Authority:</span><span xml:space="preserve" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0"> SDCL </span><a href="https://sdlegislature.gov/Statutes?Statute=58-17B-4"><span class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0-000002">58-17B-4</span></a><span class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0">.</span></p><p dir="ltr" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97P0"><span xml:space="preserve" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0">    </span><span class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0-000001">Law Implemented:</span><span xml:space="preserve" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0"> SDCL </span><a href="https://sdlegislature.gov/Statutes?Statute=58-17B-1"><span class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0-000002">58-17B-1</span></a><span xml:space="preserve" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0">, </span><a href="https://sdlegislature.gov/Statutes?Statute=58-17B-12"><span class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0-000002">58-17B-12</span></a><span class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97C0">.</span></p><p dir="ltr" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97P0"><span xml:space="preserve" class="s031722ab-9407-4eff-bb4b-21ae4e6a9a97000003"> </span></p></div></body></html>