State RegulationsCO specificDifficulty 2/5
Which underwriting inquiry by a Colorado accident and health insurer is prohibited under C.R.S. § 10-3-1104(1)(f)?
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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 an insurer from inquiring about or using an applicant's sexual orientation. Questions about occupation, tobacco use, or hazardous activities are ordinary underwriting tools and are not barred by the statute, so only the orientation inquiry crosses the line the Colorado Commissioner of Insurance enforces.
Why the other options are wrong
- B) Occupation is a legitimate underwriting factor and is not prohibited by the statute.
- C) Tobacco use directly affects mortality and morbidity and may lawfully be asked about.
- D) Hazardous hobbies such as skiing or diving may lawfully be explored in underwriting.
Memory hook
Orientation is off-limits; occupation and tobacco are fair game.