Failure of an insurer to provide or deliver a Buyer's Guide to Annuities and a Contract Summary as provided in Section 120-2-72-.05 shall constitute an omission which misrepresents the benefits, advantages, conditions or terms of an annuity contract or of an insurance policy.
Ga. Comp. R. & Regs. R. 120-2-73-.07
O.C.G.A Secs. 33-2-9, 33-6-12.