State RegulationsCO specificDifficulty 3/5
Under C.R.S. § 10-3-1104(1)(f), Colorado prohibits unfair discrimination in life insurance between individuals who are:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
C.R.S. § 10-3-1104(1)(f) prohibits unfair discrimination between life insurance individuals of the same class and with an equal expectation of life. Insurers may distinguish between different classes, but two applicants who present the same class and the same life expectancy must be treated alike under the standard the Colorado Division of Insurance enforces.
Why the other options are wrong
- B) Residence in the same city does not define the prohibited discrimination standard; class and life expectancy do.
- C) Different health histories may place applicants in different classes, which the statute permits.
- D) Shared industry of employment is not the measure the statute uses for life insurance discrimination.
Memory hook
Same class, same life expectancy — treat them the same.