Which of the following items are regulated by the Rules Governing Advertisement of Life Insurance and Annuities?

The Rules Governing Advertisement of Life Insurance and Annuities specifically focus on how life insurance and annuity products may be marketed to the public. This includes the requirement that advertisements should be truthful, not misleading, and should clearly describe the benefits and limitations of the products being offered.

Prepared sales presentations used by insurance agents fall under this regulation because they are forms of advertisement intended to inform potential customers about life insurance and annuities. These presentations must comply with the established rules to ensure that the information provided is accurate and not misleading. This includes ensuring that any claims made in the presentations can be substantiated and are in line with the products' actual provisions.

In contrast, standard insurance premiums, claims processing procedures, and underwriting guidelines do not primarily relate to advertising practices. Premiums pertain to pricing, claims processing involves the management of claims after the fact, and underwriting guidelines are used to determine eligibility and risk. While all of these are critical aspects of insurance operations, they are not specifically governed by advertising regulations. This distinction clarifies why prepared sales presentations are the correct focus within this context.