Under RI law, a producer may NOT state which of the following?

In the context of Rhode Island insurance law, the statement regarding annual dividends is indeed problematic because it conveys a promise that may not be guaranteed. Insurance dividends are actually contingent on the company's performance, and while many mutual insurance companies do pay dividends, this is not a certainty. Thus, a producer cannot legally assure a prospective customer that they will receive dividends annually, as this could mislead them into believing that such payments are guaranteed regardless of the company's financial performance.

The other statements involve assurances about rates and premiums that can also be misleading, but they tend to make promises based on specific conditions. For instance, stating premiums are guaranteed not to increase might be accurate under certain policy types, given that some policies have fixed premiums. Similarly, claims of never losing money with an investment may apply to specific types of insurance products, like certain fixed indexed annuities, which are designed to protect against market loss.

Ultimately, it is critical for producers to avoid making definitive or misleading statements that could imply guaranteed outcomes, especially in situations like dividends that rely heavily on the company's performance and market factors. This ensures that consumers have a clear and realistic understanding of what they can expect from their insurance products.