Quick Summary
If you've received a moderation prompt on your script, it may be because your content appears to discuss topics restricted under our insurance content policies. Because misleading and unlicensed insurance promotional claims and advice can cause real harm, our policies place some restrictions on what insurance content can be created with stock avatars.
The good news: you can still create educational and informative videos about how insurance works in general using a stock avatar. In many cases, small wording adjustments are enough to resolve the issue. The key is moving from promotion or personalised advice toward factual, educational framing.
How to Fix This
If you want to use a stock avatar, review your script to ensure it:
Presents explanations of how insurance works as general, verifiable information without specific guarantees
Avoids offering personalised guidance on how to identify or avoid insurance scams
Avoids instructing the audience to take specific actions in situations involving insurance and financial products
Removes statements that promote a specific insurance plan, provider, or offering
If rewriting your script toward factual, educational content isn't possible for your use case (for example, if you're explaining an insurance plan to subscribers or creating marketing content promoting an insurance provider), switching to a custom avatar may allow you to use your original wording. You can discuss a broader range of insurance content topics with a custom avatar than with stock avatars.
All content should also avoid statements containing misleading, unverified claims about insurance products, and any promotion or endorsement of fraudulent insurance offerings.
đ Including a disclaimer statement (such as "This is not financial advice") does not guarantee your video will pass moderation if it discusses restricted topics. The framing and content of your script matter more than disclaimers.
What Are My Options?
If your goal is to... | You should... | Outcome |
Explain how insurance works in general | Rewrite your script using the guidance below | Stock Avatar |
Outline an internal company benefits scheme to employees | Rewrite your script using the guidance below | Stock Avatar |
Promote specific insurance plan offerings to potential buyers | Switch to a Personal/Studio/Synthetic Avatar | Personal/Studio/Synthetic Avatar |
Educate potential buyers on how to avoid insurance scams | Switch to a Personal/Studio/Synthetic Avatar | Personal/Studio/Synthetic Avatar |
Give financial advice relating to insurance offerings | Switch to a Personal/Studio/Synthetic Avatar | Personal/Studio/Synthetic Avatar |
Examples
Examples Allowed with a Stock Avatar
"Insurance aggregates member contributions to provide financial reimbursement for designated losses."
"If you get into a traffic accident, your car insurance may help cover costs arising from accidental losses and vehicle damage."
"Having greater insurance protection can offer you more peace of mind."
"Medicare is a US federal health insurance program for individuals aged 65 and older."
"Once a titan of the industry, Apex Insurance collapsed in 1999 following a massive fraud discovery."
"Bravo Insurance is a provider which offers a range of health and personal insurance plans."
Examples Allowed with a Custom Avatar
"Our car insurance plans guarantee full, unlimited coverage in any no-fault road accidents."
"Gain peace of mind and financial security with Bravo Insurance's comprehensive coverage."
"The Medicare Plan B package covers essential outpatient services like doctor visits and preventive care."
"Charlie Insurance guarantees reliable and accessible payouts when you need them."
"This plan offering raises some red flags: it offers unusually high returns, and coverage that seems unrealistic compared to competitors."
Suggested Rewording
If you want to use a stock avatar, try these common edits to align with our content guidelines:
Instead of this | Try this | Can be approved with |
"Our car insurance plans guarantee full, unlimited coverage in any no-fault road accidents" | "Car insurance may help cover costs arising from road accidents" | All avatar types |
"Gain peace of mind and financial security with Bravo Insurance's comprehensive coverage" | "Comprehensive insurance coverage can offer you greater peace of mind and financial security" | All avatar types |
"There's no reason to opt out of Medicare" | "You can opt out of Medicare, but be aware of the risks" | All avatar types |
"CK Insurance guarantees reliable and accessible payouts when you need them" | "CK Insurance offers health and personal injury insurance coverage" | All avatar types |
If your script encounters further moderation issues, you may also want to avoid statements such as:
Instead of this | Try this | Can be approved with |
"All the big providers are fleecing you, ripping you off" | "Our insurance offerings provide better value than the major providers" | Personal/Studio/Synthetic Avatar |
"It's okay to lie about pre-existing conditions. How are they going to find out?" | N/A | Not supported |
"I may not be a licensed advisor, but that doesn't matter! Insurance is really just common sense after all" | "These are my opinions, but note I am not a licensed insurance advisor" | Personal/Studio/Synthetic Avatar |
Key Reminder
âď¸ Depending on your content, there may be more than one compliant path. Some changes will make your script suitable for stock avatars, while others may still require a personal or studio avatar, or in some cases, may not be supported on the platform.
If your script was flagged, the guidance above should help you understand both how to edit your content and what type of account or avatar is needed to create it successfully. Feel free to make your edits and try again.