What is the required disclaimer when an independent agent represents only a subset of plans in an area?

• A. During the first minute, say you represent all plans
• B. Do not mention other plans to avoid confusion
• C. Ignore disclaimers to avoid delaying the call
• D. State that you do not represent every plan available in the area and provide sources for more options

Answer: (D)

The main concept here is transparent disclosure when an independent agent represents only a subset of plans in a given area. If you don’t represent every plan available, you must clearly state that limitation and provide sources where the client can find additional options. This approach protects the consumer by ensuring they understand what you can offer and where to look for other plans, helping them make an informed decision.

Providing that you do not represent every plan available in the area and offering sources for more options aligns with honesty and regulatory expectations for disclosures in agency relationships. It prevents the impression that you have access to all plans, which could mislead a client.

The other options imply misrepresentation or withholding information, which would be inappropriate and noncompliant. By clearly stating the scope of your representation and guiding the client to additional options, you maintain integrity and assist them in comparing all relevant plans.