044-34 Wyo. Code R. § 2 - Prohibited Practices
(a) No
advertisement, as defined in these rules, shall be used to facilitate the
marketing, solicitation and sale of cancer policies in the State of Wyoming if
the purpose of the advertisement, when read in its entire context, is to induce
or create fear in prospective policyholders.
(b) No advertisement, as defined in these
rules, shall contain any statistics which purport to represent or show:
(i) the frequency with which cancer will
strike certain areas of the body or certain organs of the body;
(ii) that cancer insurance is a "bargain" or
words of similar import that detract from the limited nature of cancer
coverage;
(iii) the frequency with
which cancer will strike an average family or the average individual including,
but not limited to, such statements that "cancer will strike one out of every
four living Americans" or "cancer will strike two of every three families over
the years";
(iv) a comparison of
the death rate of cancer with that of any other cause of death, including
automobile accidents or war;
(v) an
estimation of the number of deaths which will result from cancer during any
particular time period, the number of people who will be hospitalized for any
particular period of time, or the number of people who will discover they have
cancer in a particular time period;
(vi) the cost of cancer, including the
overall expense of cancer treatment, the average cost per victim, the average
cost per day or the rate at which such costs are increasing;
(c) The Department of Insurance
may disapprove or withdraw approval previously given to any advertisements used
to facilitate the marketing, solicitation or sale of such policies in the State
of Wyoming if the Department finds any such advertisement to violate the
provisions of this regulation, Chapter 13 of the Wyoming Insurance Code,
Chapter 21 of the Wyoming Insurance Department regulations, or if such
advertisements are otherwise found to be presently or prospectively hazardous
or injurious to the Wyoming insurance buying public. If the Department of
Insurance disapproves any such advertising or withdraws approval previously
given, the Department shall issue an order specifying in what respects the
advertisement fails to meet the requirements of the Wyoming Insurance Code or
the regulations promulgated by the Department of Insurance.
(d) No cancer advertisements, as defined by
these rules, shall use words or phrases which are calculated to arouse fear,
alarm, anxiety, dread, shock, fright, panic, including such words as "strike,"
"kill," "cripple," or "maim."
(e)
No cancer advertisements, as defined by these rules, shall give undue
prominence to the word "cancer" through the use of color, printed
configurations or the size or type of print, nor shall any symbols, insignias,
or characterizations be used which connote death, sickness, pain, suffering,
disease, disablement, or hardship, including grave markers, skull and
crossbones, the use of an "X" superimposed over one who is portrayed to be a
future victim of cancer, pictures or characterizations of bedridden cancer
patients, or pictures or characterizations depicting grief, sorrow or the
mourning of a victim of cancer, or pictures or characterizations of surgeons,
doctors, nurses or any hospital personnel which are intended to depict medical
treatment for the disease of cancer.
Notes
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