1. The new Consumer Protection Insurance Rules, which take effect October 1, 2001, require you to give:

Three different written disclosures.
Disclosures both orally and in writing.
A three day waiting period between when you give the disclosures and when the insurance can be purchased.

2. You will also be required to obtain

The consumer's written acknowledgment of receipt of the disclosures.
The consumer's signature on a copy of the regulation.
A fee for making this disclosure.

3.The protections contained in this regulation apply to:

Consumers and Businesses both.
Customers, as defined in the GLB privacy reg.
Consumers.

4. You may not sell or offer for sale, as principal, agent, or broker, any life or health insurance product if the status of the applicant or insured as a _____________________ is considered as a criterion in any decision with regard to insurance underwriting, pricing, renewal, or scope of coverage of such product, or with regard to the payment of insurance claims on such product, except as required or expressly permitted under State law.

victim of domestic violence
past claimant on an insurance policy
person who has previously defaulted on credit

5. Under the rule, a covered person means any depository institution or any other person _________________________ to a consumer at an office of the institution or on behalf of the institution.

selling, soliciting, advertising, or offering insurance products or annuities
underwriting insurance to be offered to
selling Federal deposit insurance