The following standards shall apply to all application forms used in connection with the offer and acceptance of insurance, whether or not attached to the contract:

1. (a) The declarative portion of the application, if any, shall imply a representation of facts to the best of the applicant's knowledge. "I represent," or "To the best of my knowledge and belief," shall be examples of such wording. Wording implying a warranty shall be prohibited. "I Certify" shall be such an example;
2. (b) There shall be no provisions for automatic rejection;
3. (c) Medical questions of a technical nature beyond the capability of the average applicant, such as a detailed gastrointestinal questionnaire, shall be prohibited;
4. (d) No provision shall be permitted in an application that changes the terms of the policy to which it is attached;
5. (e) Questions as to race or ethnicity shall be prohibited;
6. (f) All applications shall contain a question inquiring whether the policy sought is intended to replace an existing policy;

7. (g) The requirement in (f) above shall not apply to applications for:

   1. (1) Group insurance;
   2. (2) Group annuity policies;
   3. (3) Individual accident only policies; or
   4. (4) Policies solicited by direct-response means.

8. (h) No application or any detachable part thereof that contains an advertisement that is directed toward effecting a policy sale without opportunity for additional explanation of the coverage advertised shall:

   1. (1) Offer any reduced initial premium without stating all subsequent premium changes applicable to the insured;
   2. (2) State or imply falsely that prospective policyholders become group or quasi-group members and as such enjoy special rates or underwriting privileges; or

   3. (3) State or imply falsely that a particular policy or combination of policies is an:

      1. a. Introductory;
      2. b. Initial;
      3. c. Special; or
      4. d. Limited enrollment offer and that the applicant will receive advantages by accepting the offer; and
9. (i) To the extent that any provision within (h) above conflicts with Ins 2600, Ins 2600 shall apply.

Source. #8726, eff 9-18-06, EXPIRED: 9-18-14 New. #12126, eff 3-18-17 (from Ins 401.11)