Under Medicare Supplement policies, what practice is considered high-risk?

High pressure tactics for persuasion are deemed high-risk in the context of Medicare Supplement policies because they can lead to unethical sales practices and potential consumer harm. When agents or brokers use aggressive strategies to persuade clients to purchase a policy, it can pressure individuals, particularly seniors, who may not fully understand their options or the implications of their decisions. This practice can result in buyers' remorse, financial stress, or selection of policies that do not genuinely meet their needs.

In contrast, offering clear product comparisons and providing thorough client education are beneficial practices aimed at helping clients make informed decisions. Similarly, while cold lead advertising can often be viewed critically, it may not inherently involve the same level of risk associated with high pressure tactics. High-risk practices undermine the purpose of Medicare Supplement insurance, which is to provide support and additional coverage for healthcare needs, making informed and considerate advice essential.