State RegulationsAZ specificDifficulty 1/5
An Arizona insurer files rate schedules that charge male and female applicants different premiums for identical life coverage within the same underwriting class. Which Arizona authority addresses this practice?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Arizona Administrative Code R20-6-207 addresses gender discrimination in insurance, prohibiting gender-based differential treatment for the same coverage within the same underwriting class. The Director enforces this rule against insurers whose rating schedules treat men and women differently for identical risks.
Why the other options are wrong
- B) A.R.S. 20-465 concerns fees charged in addition to premiums, not gender-based rating.
- C) A.A.C. R20-6-801 enumerates unfair claims settlement practices, not underwriting or rating rules.
- D) A.R.S. 20-298 limits commission payments to licensed producers and says nothing about gender rating.
Memory hook
R20-6-207 guards gender — no he/she surcharges in the same class.