From the Rough Notes Company:

In the R Street Institute’s R Street Shorts No. 8, Ian Adams writes, “If giving away a service that is completely incidental to an insurance transaction is deemed illegal, then in a market of increasingly intertwined services, firms essentially are barred from offering insurance and non-insurance products simultaneously.”

Did you get that? Do you have a problem with it? Adams does.

Adams, R Street Institute’s western region director, is among the growing number of voices calling for reform or repeal of state laws barring rebates and other forms of non-insurance consideration from insurance transactions.

Beyond that, agents and brokers are wise to be wary about “offering insurance and non-insurance products simultaneously,” to quote Ian Adams’s line at the outset of this post.