Which of the following would be considered an illegal inducement to purchase insurance?

The reasoning behind considering confirming future dividends in a life insurance proposal as an illegal inducement stems from the regulations set to ensure transparent and fair practices within the insurance industry. When an agent confirms or guarantees future dividends, they may mislead prospective clients into believing that such dividends are guaranteed returns, despite the fact that dividends are typically not assured and are contingent upon the insurer's financial performance.

Insurance regulators impose strict guidelines against practices that could misrepresent the nature of insurance products or create unrealistic expectations about future benefits. This is intended to protect consumers from potential regret or financial loss due to misunderstandings about the nature of their insurance contracts. Offering guarantees about future dividends can be seen as a way to unduly persuade someone to purchase a policy under false pretenses, which is why it is categorized as an illegal inducement.

In contrast, actions such as mailing brochures, listing companies represented, or inviting potential clients to an office opening are generally seen as legitimate marketing practices that inform prospective clients about the services offered, without making false claims or promises.