A difference between guaranty association protection and the protection of bank accounts by the FDIC, credit union accounts by the NCUA, and brokerage accounts by the SIPC, is that it is difficult for consumers to learn about this protection. Usually, state law prohibits insurance agents and companies from using the guaranty association in any advertising and agents are prohibited by statute from using this Web site or the existence of the guaranty association as an inducement to purchase insurance(e.g., [https://web.archive.org/web/20071124050143/http://www.njlifega.org/faq.cfm?id=434]). Presumably, this is a response to concerns by stronger insurance companies about moral hazard.