Which of the following must be included in all advertising for life insurance and annuities?

Advertising for life insurance and annuities must include source material and factual standards to ensure that all claims made are substantiated and based on reliable information. This requirement is important in maintaining transparency and credibility within the insurance industry. It ensures that potential customers can verify the information presented, promoting informed decision-making.

The inclusion of source material helps to back up any claims made in advertisements, allowing consumers to assess the validity of the benefits and features being advertised. Factual standards ensure that the information is not misleading and reflects the actual performance or characteristics of the products.

In contrast, testimonials from satisfied clients and annual rates of return may be used in promotional materials, but they are not mandatory components of all advertisements. Full disclosure of all benefits is also important, but again, it does not necessarily encompass the requirement for substantiated claims through source material. Thus, the emphasis on source material and factual standards reflects the regulatory structure aimed at protecting consumers and promoting ethical advertising in the insurance sector.