Question

Use of xyz insurance company brochures, business cards, and rating guides is an example of

Answer 1

The use of company brochures, business cards and rating guides is an example of advertising. Using these tools is helpful in helping potential customers to understand your product and how they could benefit from your product.

Answer 2

Those are an example of Apparent authority
Apparent authority refers to a situation where an Agent is allowed to act on the Principle's behalf eventhough those authority never actually agreed upon.
Even though they allow the agent to act, the principle will still experience both the potential negative of positive effects from the actions.