State RegulationsFL specificDifficulty 1/5
Under Florida law, unfair discrimination by an insurer means
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
Under Fla. Stat. 626.9541 (Chapter 626, Florida Statutes), unfair discrimination is refusing to insure, refusing to continue coverage, limiting coverage, or charging different rates to persons of the same class and equal life expectancy, health risk, or hazard. Legitimate risk classification - by age, health, or true group characteristics - is not discrimination because the risks genuinely differ.
Why the other options are wrong
- B) Age-based premium differences reflect genuine differences in expected mortality, which is lawful classification.
- C) Medical underwriting is a standard, lawful tool for assessing risk before issuing coverage.
- D) Group rating for an employer group reflects pooled risk and is a lawful pricing method.
Memory hook
Same risk, different price = discrimination.