State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under California law, a group life insurance policy issued to an employer that covers employees' dependents must:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
California law (referenced in the group life objectives at CIC Section 381.5) requires insurers offering group coverage to registered employee groups to treat registered domestic partners the same as spouses for eligibility purposes. If an employer's group life policy extends coverage to dependents, a registered domestic partner must be eligible on the same basis as a spouse. This is part of the California group life characteristics in objective LIFE-II.G.2.
Why the other options are wrong
- B) Prohibiting domestic partner coverage would violate the equal-eligibility requirement.
- C) Domestic partners must be offered coverage on the same terms as spouses, without an extra premium condition.
- D) A registered domestic partner plainly has an insurable interest; the issue is eligibility parity, not interest.
Memory hook
Registered partner = spouse on the group life roster. Same coverage, same price, same rights.