Before anything runs
Nothing goes live until we send you a full compliance pack for your legal or compliance officer to review and approve in writing.
Read this with your compliance function
The framework
Rules our creative is built to
State insurance advertising regulation
Built to the NAIC advertising model most states follow. No implication that an annuity is a deposit, CD or bank product. Insurer legal name where a product is referenced. Advertiser identified as a producer.
Rates, caps and bonuses
We publish no credited rates, cap rates, participation rates, income percentages or premium bonuses. Where guarantees are referenced, the asset notes they depend on the issuing insurer.
Suitability and best-interest standards
Recommendation and suitability sit entirely with your producer. Our questions gather context. They are not a needs analysis and are never presented as one.
FINRA 2210 and SEC rules, where they apply
For registered firms or registered index-linked products, all material is treated as retail communication: principal approval before use, retained for records, no projections. We do not file on your behalf.
Carrier, IMO and FMO review
Assets go through upline review where required, submitted as brief, script, visual and disclosure block together.
TCPA consent and A2P messaging
Express written consent at submission, with IP, timestamp, page URL and form contents retained. SMS on registered A2P 10DLC with automatic opt-out. Re-reviewed whenever your state footprint or cadence changes.
Privacy and vulnerable audiences
First-party data under your brand, with state access and deletion requests honoured. We decline angles that trade on fear or urgency aimed at retirees, even when they perform.
FTC substantiation and testimonials
Every claim has a documented basis on file. Client results are anonymised, stated as reported performance over a stated period, and never presented as typical.
Meta platform policy
Financial services advertising has its own policy layer, including limits on implying knowledge of a person's finances. Copy never addresses the reader as though we know their balance.
Approval trail
How an asset gets signed off
The pack that goes out before launch
Creative discipline
What we will and will not publish
We will
- ✓Lead with the question the prospect is already asking
- ✓Identify your firm and producer on the asset
- ✓Carry a disclosure block for the product category and state
- ✓Note that guarantees depend on the issuing insurer
- ✓Submit every asset for written approval
- ✓Keep substantiation for every claim on file
We will not
- ✕Publish a rate, cap, income percentage or bonus figure
- ✕Imply an annuity is a deposit or risk-free
- ✕Use guaranteed approval, no risk, or projected values
- ✕Present our questions as a suitability analysis
- ✕Run an angle built on fear aimed at retirees
- ✕Publish anything your compliance function has not approved
Accountability
Division of responsibility
| Responsibility | Held by |
|---|---|
| Licensing and state appointments | Your firm |
| Product recommendations and suitability | Your firm |
| Required disclosures for your states and carriers | Your firm |
| Final written approval of all advertising | Your firm |
| Carrier, IMO or broker-dealer review | Your firm |
| Creative built to the constraints above | Pwrd Media |
| Campaign configuration and platform policy | Pwrd Media |
| Consent capture, records and A2P registration | Pwrd Media |
| State-licence routing configuration | Pwrd Media |
| Opt-out and privacy request handling | Pwrd Media |
Boundaries
What we do not do, at all
- ✕Sell, solicit or negotiate insurance products
- ✕Advise prospects on products or suitability
- ✕Quote rates, caps or illustrated values
- ✕Represent a carrier or hold an appointment
- ✕Provide legal, tax or compliance advice
- ✕Take compensation tied to a policy or premium
A summary prepared for review, not legal advice. Where it differs from the executed services agreement, the agreement governs.