State RegulationsFL specificDifficulty 2/5
Which of the following is NOT unfair discrimination under Florida law?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Fla. Stat. 626.9541 (Chapter 626), unfair discrimination is treating people of the same class and equal risk differently. Age and underwriting class are legitimate risk factors that genuinely bear on life expectancy, so pricing by them is lawful classification. The other options all treat equal-risk individuals differently for reasons unrelated to risk.
Why the other options are wrong
- A) Religion has no bearing on insurable risk, so refusing to insure on that basis treats equals unequally.
- B) Same class and equal life expectancy means the same premium - differential pricing here is the definition of unfair discrimination.
- D) Denying covered benefits to similarly situated insureds discriminates among equals in claims treatment.
Memory hook
Risk-based classes are fair; equal-risk penalties are not.