State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under California Insurance Code Sections 10140-10145, an insurer's use of which factor in life insurance underwriting is prohibited?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Sections 10140-10145 prohibit unfair discrimination in life insurance based on race, color, religion, national origin, ancestry, or similar protected classes. By contrast, actuarially justified factors such as age, sex where sound, occupation, and medical history may be used for classification. These prohibitions protect consumers from discriminatory rating while preserving legitimate risk-based underwriting.
Why the other options are wrong
- B) Age is an actuarially relevant and generally permitted classification factor in life insurance pricing.
- C) Occupation is a legitimate underwriting factor reflecting hazardous duties.
- D) Medical history is a standard, permitted underwriting input.
Memory hook
Race, creed, and national origin are off the table. Age, job, and health stay on the actuarial desk.