Insurance ads are allowed with rules on Meta and allowed with rules on Google. Target 18+, legal disclosures, no PII or financial info requests in ads. The phrases most likely to cause trouble include "save 70% vs other insurers", "pay admin fee", "covers pre-existing conditions (when false)".
Allowed with rules
Sources: transparency.meta.com · facebook.com · transparency.meta.com · facebook.com
Allowed with rules (no insurance specific section found)
Sources: support.google.com · support.google.com · support.google.com · support.google.com
10 phrases that often lead to rejection, limited delivery or regulator action. High means the phrase or claim is named in a policy or ruling. Medium means it's our reading of a rule.
| Phrase | Why it's risky | Rule or source | Risk |
|---|---|---|---|
| save 70% vs other insurers | Prohibited savings-promise insurance content | Meta: Prohibited commercial practices transparency.meta.com | High |
| pay admin fee / deposit to activate cover | Upfront-fee insurance scam | Meta: Prohibited commercial practices transparency.meta.com | High |
| covers pre-existing conditions (when false) | FTC Simple Health and Benefytt misrepresentations | FTC v Simple Health (2024) · FTC v Benefytt (2022) ftc.gov · ftc.gov | High |
| Obamacare / ACA-qualified plan (non-qualified product) | FTC Benefytt lead-gen deception | FTC v Benefytt (2022) ftc.gov | High |
| comprehensive health insurance (for discount plans) | FTC Simple Health | FTC v Simple Health (2024) ftc.gov | High |
| government-backed / official program | False affiliation | Google: Unacceptable business practices · Meta: Prohibited commercial practices support.google.com · transparency.meta.com | High |
| guaranteed acceptance, no questions | Unverified claim. Flag for substantiation (inferred) | Google: Unreliable claims (inferred) support.google.com | Medium |
| Do you have diabetes? Get covered | Health personal attribute | Meta: Personal attributes transparency.meta.com | High |
| $0 premium (conditions hidden) | Fees must be disclosed | Google: Financial services support.google.com | High |
| enter your SSN to get a quote (in ad) | PII request in ad | Meta: Financial services transparency.meta.com | High |
Before and after examples. Swap the bracketed parts for your real details.
Are you uninsured? Get covered today
Compare health plans available in your area.
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Compare quotes from licensed insurers. Savings vary.
Covers everything, even pre-existing conditions
See what each plan covers before you buy.
Pay $49 fee to unlock your discount
Get a free quote. No fees to compare.
Official Obamacare plans
Licensed agent. Not affiliated with any government agency.
FTC sues Simple Health over sham health insurance
FTC Benefytt order: $100M refunds
FTC $195M judgment against Simple Health
Meta FPS SAC mandatory in US (includes insurance)
The adPromised 'comprehensive health insurance' covering pre-existing conditions, sold discount or limited plans
Outcome$195M judgment, permanent ban
LessonDon't label limited-benefit products as insurance
The adLead-gen sites such as Obamacareplans.com, plans pitched as ACA-qualified
Outcome$100M refunds, executive bans
LessonLead-gen domains and claims create liability
Meta FPS SAC, FTC enforcement on lead-gen
FCA-regulated, Google FS verification, Meta verification
Google FS verification includes EIOPA lists, mostly enforced 2026
Not verified
Google FS verification lists IRDAI, Meta requires verification
Runs in your browser. Nothing you paste is sent or stored.
This tool is a pre-launch screen, not legal advice. Meta and Google do not publish banned-word lists, so each flag is a risk signal tied to a published rule, regulator ruling or court case. Policies change often. Data last checked 5 October 2026.