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May a producer offer a gift or service as an inducement to apply for a policy?
Generally, no. However, the rebating laws allow giving something of value where it is specified in the insurance contract. Also, a producer quoting life insurance may give an applicant an article of merchandise having an invoice value of $5.00 or less, and a producer may give an applicant or an insured under a property-casualty insurance policy an article of merchandise having an invoice value of $50.00 or less.