What must be disclosed in advertisements that feature health insurance products endorsed by specific groups?

In advertisements that promote health insurance products endorsed by specific groups, it is crucial to disclose whether the insurer has control over the group that offers or endorses the product. This disclosure is necessary to ensure transparency and protect consumers from potential conflicts of interest that may arise if the insurer has significant influence over the group's endorsements. By revealing the extent of the insurer's control, the advertisement allows potential policyholders to better understand the nature of the endorsement and make informed decisions.

The other options, while they may involve important aspects of advertising or insurance practices, do not address the specific requirement for disclosure related to endorsements. For example, endorsement fees relate to financial arrangements but do not directly impact a consumer's understanding of the relationship between the insurer and the endorsing group. Jurisdictional underwriting standards and changes in policy terms are also important, but they do not pertain to the ethical implications of endorsement and the potential for bias in recommending a product.