Appropriateness of recommended purchase and excessive insurance

1. In recommending the purchase or replacement of any Medicare supplement policy or certificate an agent shall make reasonable efforts to determine the appropriateness of a recommended purchase or replacement. 2. Any sale of a Medicare supplement policy or certificate that will provide an individual more than one Medicare supplement policy or certificate is prohibited. 3. An issuer shall not issue a Medicare supplement policy or certificate to an individual enrolled in Medicare part C unless the effective date of the coverage is after the termination date of the individual's part C coverage.