- every insurance company must establish marketing procedures to assure that any comparison aof policies by their agents will be fair and accurate - insurance companies must have marketing guidelines to assure that excessive amount of insurance are not sold or issued - there must be eestablished a fomula to determine whether a replacement policy contains benefits clearly and substantially greater than those under the policy being replaced - the first page of the policy must contain the "notice to buyer: this policy may not cover all of your medical expenses"