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It is unlawful to pay, allow, give, offer, or promise, as an inducement to buy insurance, any of the following... Any special favor or advantage in dividends or benefits. Any stocks, bonds, Securities, or accrued dividends or profits. Anything of value not specified in the insurance contract.
Securities brokers, also often called broker-dealers, are the people responsible for selling securities products to clients. Whereas, in insurance sales, an ?insurance agent? is the most common way to refer to the customer-facing sales role, the world of securities uses the word broker.
An example of illegal inducement is when a person offers money or gifts to someone in exchange for them doing something illegal or unethical. For instance, if someone offers a bribe to a police officer to avoid a ticket or arrest, that would be considered illegal inducement.
An inducement or inducement scheme shall be considered to have a detrimental impact on the quality of the relevant service to the customer where it is of such a nature and scale that it provides an incentive to carry out insurance distribution activities in a way that is not in compliance with the obligation to act ...
Other types of unlawful inducements (also called illegal inducements) may include a producer offering a prize to any client that purchases a policy, entering clients into a drawing or raffle if they purchase a policy, or even wining and dining a client and their family at an expensive restaurant with the expectation ...
In most cases, states consider a cash return of the agent's commission an example of rebating. Some also include gifts or services in exchange for the purchase of an insurance policy, a type of rebating, while other states do not.
Churning in insurance is when a producer replaces a client's coverage with one from the same carrier that has similar or worse benefits. Twisting is a replacement contract with similar or worse benefits from a different carrier.
Long-term care (LTC) insurance, ing to Washington state law (leg.wa.gov), is an insurance policy, contract or rider that provides coverage for at least 12 consecutive months to an insured person if they experience a debilitating prolonged illness or disability.