In which scenario would a licensed producer need to disclose their contacting an individual through an advertisement?

A licensed producer is required to disclose their contacting of an individual through an advertisement when the ad specifies that an insurance agent will reach out to the person. This requirement exists to ensure transparency and maintain ethical communication practices between producers and potential clients. When potential clients are informed in the advertisement that an agent will contact them, it promotes clarity regarding the nature of the interaction they can expect. It ensures that individuals are prepared for direct communication and are aware that the producer's intention is to engage them in a conversation about insurance products or services.

In contrast, other options do not inherently require the same level of disclosure. For instance, stating qualifications, emphasizing ‘no obligation,’ or promoting free consultations does not necessitate explicit disclosure about future agent contact. These elements may highlight benefits or features of the service, but they do not directly inform the prospective client of the impending outreach by an agent, which is a key factor warranting disclosure.