State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under California Section 381.5, a group life insurance policy that provides spousal coverage must:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Section 381.5 requires insurers to treat registered domestic partners the same as spouses for life insurance purposes in California. Where a group policy covers spouses, the same coverage must be offered to registered domestic partners, and the term "spouse" is deemed to include a registered domestic partner. This nondiscrimination rule reflects California's broader policy of equal treatment for domestic partners and applies regardless of the partners' gender.
Why the other options are wrong
- B) Registered domestic partners must be covered just like spouses; exclusion is prohibited.
- C) Charging a higher premium would violate the equal-treatment requirement.
- D) No separate proof of financial dependence is required; registered partners are covered on the same basis as spouses.
Memory hook
California treats registered domestic partners as spouses for group life, same coverage, same premium.