Under California Insurance Code Section 381.5, a group life insurance policy that offers coverage to the spouses of insured employees:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CIC Section 381.5 requires California insurers to treat registered domestic partners the same as spouses for group life insurance purposes. Where spousal coverage is offered under a group policy, registered domestic partners must be eligible for the same coverage at the same rates, and they may not be excluded or charged differently based on their domestic partnership status. The provision was enacted to prevent discrimination against registered domestic partners in employment-based group insurance. Agents selling group life policies must ensure that the enrollment materials offer domestic partner coverage where spousal coverage is available.
Why the other options are wrong
- Excluding registered domestic partners where spousal coverage is offered violates Section 381.5, which mandates equal treatment.
- No differential premium treatment is permitted for registered domestic partners; they must be charged the same rates as spouses.
- The statute requires equal treatment of domestic partners; it does not prohibit the coverage of unmarried individuals.
Memory hook
In California group life, a registered domestic partner is a spouse under the policy — same coverage, same price.