What must be included in an advertisement for an annuity product?

In the context of advertising annuity products, including the agent's name is recognized as a necessary element. This is because financial regulations often require that representatives of financial products provide transparency in their advertisements. By including the agent's name, consumers have a point of contact for inquiries, which fosters accountability and trust. It allows potential clients to verify the credentials of the agent and ensures that the individual promoting the product has the proper qualifications to do so.

While the other elements listed may be relevant in various contexts, they do not carry the same requirement. The name of the insurance company might be essential for brand recognition, but it is not always a mandatory inclusion in every advertisement. Customer testimonials, while powerful in marketing, can raise concerns about authenticity and are often regulated to prevent misleading representations. A risk disclosure statement is crucial for informing potential buyers about the risks associated with annuities, but its necessity can depend on the specific claims made in the advertisement rather than being universally mandatory. Thus, the inclusion of the agent's name aligns best with the regulatory emphasis on transparency and accountability in financial services advertising.