Final expense life ad
Guaranteed acceptance. Your rate never goes up.
Benefit limitations not disclosed
Many states regulate how graded benefits and acceptance are described. Warrant checks against the rules you set for this product and its states.
Insurance marketing compliance, matched to the right state and product.
Insurance advertising is governed state by state and product by product. Warrant lets carriers, agencies and distribution teams encode the requirements that apply to them, check every draft against the right set, route it to the right approvers and keep the record each state may expect.
State insurance codes and regulations · NAIC model laws, as adopted · Product-specific rules
Illustrative marketing reviews
Agent recruiting post
Join the top carrier in Texas.
Superlative claim needs substantiation
Comparative and superlative claims are a common focus of unfair trade practice rules. Warrant routes the claim to your reviewer.
Auto insurance email
Save up to $612 when you switch.
Savings claim without basis or state availability
Warrant flags savings figures and checks for the qualifier and availability language your team has approved.
Model laws are not the rule. Your states' laws are.
The NAIC publishes model laws and regulations, such as its models on unfair trade practices and on life insurance and annuity advertising. A model only becomes binding when a state adopts it, and states often adopt it with changes, adopt part of it or take a different approach entirely. Warrant treats your state-specific requirements as the rule set, and lets your team note which ones draw on a model.
Rule sets by state and product line
A life product sold in one state and a property and casualty product sold in another can face different advertising requirements. Custom rules and disclosures in Warrant can be organized by product and jurisdiction, so a draft is checked against the requirements your team has set for where and what it is selling.
Agents, producers and distribution partners
A lot of insurance marketing is created outside the home office by agents, producers and partners. Warrant gives them approved templates and pre-checked drafts, routes their submissions to your review team and keeps a record of what each one published.
Product disclosures and claims language
Benefit limitations, exclusions, policy form references, guarantee language and savings claims are where insurance ads tend to draw questions. Warrant flags these patterns, checks for your approved disclosure wording and keeps the figures behind savings and rate claims in a Fact Library.
Filing and pre-approval steps
Some states and products require advertising to be filed with or approved by a regulator before use, and carriers often require approval before agents may use material. Approval Workflows can include those steps, so an asset cannot be marked ready to publish until each required approval is recorded.
Retention, by asset
States set their own expectations for how long advertising records are kept and what goes with them. Warrant keeps each asset with its versions, approvals and publish history in one place, so retention reviews start from a complete record.
Need more eyes on your marketing?
Managed Reviews delivers a PDF report with a compliance officer's comments. Your team keeps final approval.
Explore Managed ReviewsOfficial regulatory sources
NAIC model laws are templates, not binding law. Requirements apply as adopted by each state's statutes and regulations; confirm with your compliance team and the relevant state insurance department.
Frequently asked questions
Are NAIC model laws binding?
No. NAIC models are templates. They become binding only when a state adopts them through its own statutes or regulations, often with changes. Your compliance team should work from each state's adopted requirements.
Can Warrant apply different requirements by state and product?
Yes. Your team can set up custom rules and disclosures for specific products and jurisdictions, and Warrant checks drafts against the set you choose. Warrant does not claim to cover every state's requirements, and your team keeps final approval.
How do agents and producers fit in?
Agents can start from approved templates, get drafts checked before submission and send them through your approval workflow. Each submission and decision is recorded.
Can we include regulator filing or carrier approval steps?
Yes. Approval Workflows can include filing, carrier or legal steps, and the asset's record shows when each one was completed.
Can a compliance officer review our ads?
Managed Reviews returns a PDF report with Warrant AI findings and a compliance officer's comments and recommendations. It is advice for your approvers. Your organization makes the final decision.