State RegulationsCO specificDifficulty 3/5
Which underwriting practice is permissible under Colorado's unfair-discrimination rules?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
C.R.S. § 10-3-1104(1)(f) permits classifications supported by actuarial justification or by family-unit policy design, and C.R.S. § 10-3-1104.5 polices the prohibited grounds. Designing coverage around the family unit is an expressly recognized alternative, while classification on marital status or blindness without actuarial support, and exclusions for casual skiing and similar recreation, are barred.
Why the other options are wrong
- A) Classification based solely on marital status is prohibited unless actuarially justified or built around family-unit design.
- B) Refusing a person solely because of blindness or physical disability, absent actuarial justification, is an enumerated form of unfair discrimination.
- C) Excluding benefits for casual motorcycling, skiing, snowboarding, and similar recreational activity is specifically prohibited.
Memory hook
Actuarial math or family design — any other sole basis fails (§ 10-3-1104(1)(f)).