Section 2002.APPENDIX A   Guidelines

Section 2002.ILLUSTRATION K   Guideline to Section 2002.70(a)(3)

Explanations must not minimize nor describe restrictive provisions in a positive manner.  Negative features must be accurately set forth.  Any limitation on benefits precluding pre-existing conditions also must be restated under a caption concerning exclusions or limitations, notwithstanding that the pre-existing condition exclusion has been disclosed elsewhere in the advertisement. (See ILLUSTRATIONS R, S and T for additional comments on pre-existing conditions.)