§2002.ILLUSTRATION K. Guideline to Section 2002.70(a)(3)

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Explanations must not minimize nor describe restrictive provisions in a positive manner. Negative features must be accurately set forth. Any limitation on benefits precluding pre-existing conditions also must be restated under a caption concerning exclusions or limitations, notwithstanding that the pre-existing condition exclusion has been disclosed elsewhere in the advertisement. (See ILLUSTRATIONS R, S and T for additional comments on pre-existing conditions.)

                    
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