California Insurance Code & EthicsQuestion 72 of 716
An agent advertises an "educational lunch seminar" for seniors at a local hotel. Under §789.9, which of the following is prohibited?
a.Failing to disclose in any solicitation that an insurance agent will be present and insurance products may be offered
b.Serving any meal or refreshment to attendees, because §789.9 forbids using food to induce seniors to attend an insurance seminar
c.Disclosing the names of the insurers being represented before any specific product is discussed with attendees
d.Mentioning that annuities will be discussed whenever the invited audience includes anyone under the age of 65
Explanation
§789.9 requires that any solicitation to a senior for a seminar or meeting clearly disclose that an insurance agent will be present and that insurance products may be discussed or sold. Hiding the sales nature behind "education" or "estate planning" is a violation.
Law Reference: Cal. Ins. Code §789.9This topic, taught in full in the California Life & Health Insurance Producer Exam guide. California Life & Health Insurance Producer Exam — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)