A Buyer’s Guide is not treated as ordinary advertising. It is a required consumer disclosure document designed to help applicants understand basic life insurance concepts before or at the time of sale. Advertising includes communications designed to induce the public to buy, increase, modify, reinstate, or retain insurance, such as printed brochures, audiovisual materials, sales presentations, mailers, and promotional materials. New Jersey advertising rules are intended to assure full and truthful disclosure of material and relevant information to the public in life insurance and annuity advertising. A Buyer’s Guide, by contrast, is not a promotional sales device created to persuade; it is a regulatory disclosure document that supports informed purchasing. Option D is therefore the correct exception. Options A, B, and C can all be advertising because each can communicate sales claims, benefits, illustrations, or product advantages to prospective insureds. Reference topics: Life Insurance Advertising, Consumer Disclosure, Buyer’s Guide, Full and Truthful Disclosure.