Which of the following actions is considered a violation of Colorado insurance law?

Offering tickets to a football game as an incentive to purchase a policy is considered a violation of Colorado insurance law because it constitutes an improper inducement to potential clients. Insurance regulations are designed to ensure that the decision to purchase insurance is based on the merits of the policy rather than on unrelated perks or giveaways. By incentivizing with gifts that have no direct relation to the policy's value or the coverage it provides, the action could lead to unethical practices and undermine the integrity of the insurance market.

In contrast, the other options either comply with legal standards or involve legitimate practices. Charging individuals of the same class different premium rates is regulated under specific circumstances but is often permissible within certain guidelines, such as actuarial calculations and risk factors. Informing a policyholder about policy reinstatement options is a standard service that insurers must provide to help clients understand their policy rights. Having a contingent arrangement to sell stock upon an annuity purchase relates to investments and may involve regulations, but it does not directly violate the core principles governing the ethical promotion of insurance products.