During an on-site review, which of the following is NOT a practice that the insurer must review?

The correct choice indicates that during an on-site review, the insurer is not required to review advertising strategies. This is significant because the focus of an on-site review is typically centered around operational practices that directly impact policyholders and the risk management profile of the insurance company.

Escrow practices, claims history and handling, and underwriting practices are critical elements that insurers must evaluate to ensure compliance with regulatory standards and to protect the interests of policyholders. Escrow practices pertain to how funds are managed during real estate transactions, claims history and handling examine how past claims are processed and resolved, and underwriting practices ensure that the company assesses risk accurately before providing coverage.

While advertising strategies may reflect the company’s marketing and branding efforts, they do not directly influence the integrity or compliance of the insurance services provided. Therefore, it is appropriate that advertising strategies are not included in the mandatory review practices during an on-site examination. This distinction helps emphasize that regulatory focus is placed on areas of significant operational risk and consumer protection.