State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under California Insurance Code Section 333, an applicant for a disability policy is generally NOT required to volunteer information that:
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
Section 333 lists categories of information that neither party is bound to communicate except in answer to inquiries. These include facts proving or tending to prove a risk excluded by a warranty, and facts relating to a risk excepted from insurance, in each case only when the facts are not otherwise material. If a risk is already carved out of the policy, the applicant need not volunteer facts establishing that excluded risk - unless the facts are independently material to a covered risk or the insurer asks.
Why the other options are wrong
- B) A fact that would raise the premium is material when it concerns covered risks and must generally be disclosed; it is not an exempt category.
- C) When the insurer specifically asks, the applicant must answer truthfully; direct inquiries are not among the exempt categories.
- D) A hazardous occupation is a material fact affecting coverage of covered risks and must be disclosed when material or asked.
Memory hook
No duty to confess facts about risks the policy already excludes - unless asked or otherwise material.