Under what condition is an insurance agent in violation of advertising rules during a sales presentation?

Referring to guaranteed policy dividends during a sales presentation can lead to a violation of advertising rules because such claims can mislead potential clients. In insurance, dividends are not guaranteed and may vary based on the performance of the insurer. By implying a certainty that dividends will be paid out, the agent may create unrealistic expectations among consumers. This practice contrasts with the requirement for clear and truthful advertising, where representations must accurately reflect potential policy outcomes.

Highlighting personal connections, claiming that all policies will have the same benefits, or emphasizing the agent's experience without context need careful handling but don’t inherently violate advertising rules in the same way that insinuating guaranteed dividends does. Each of those actions may lead to misinterpretation but does not necessarily pertain to the fundamental expectation of honesty in conveying policy features that guarantee dividends. It’s essential for agents to provide accurate, clear, and honest information to customers to ensure compliance with advertising regulations.