What specific information is NOT required to be included in a buyer's guide?

The concept of a buyer's guide is to provide consumers with essential information about insurance products so they can make informed decisions. Specific information is included in these guides to ensure transparency and help buyers understand what they are purchasing.

Agent commission rates are generally not required to be disclosed in a buyer's guide. While this information may be relevant to the insurance agent or agency, it is not typically considered necessary for the consumer to know in order to make a decision about the insurance product itself. The focus of a buyer's guide is more on the product specifics like policy benefits, premium payment options, and claims procedures, which directly impact the buyer's understanding of the insurance coverage and their experience with it.

Therefore, the omission of agent commission rates from the list of required information reflects an understanding that the consumer's primary concern should center around the actual terms and conditions of the insurance policy, rather than the operational aspects of agent compensation.