State RegulationsGA specificDifficulty 1/5
A Georgia insurer denies accident & sickness coverage to an applicant solely because of the applicant's national origin. Under O.C.G.A. § 33-6-4, this conduct is:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under O.C.G.A. § 33-6-4(b)(8)(A), discrimination on the basis of race, color, or national origin is prohibited in any insurance, cutting across life and accident & sickness lines alike. These personal characteristics can never serve as underwriting factors, so a national-origin denial is unlawful unfair discrimination no matter what the filed guidelines say.
Why the other options are wrong
- A) Filed underwriting guidelines cannot legalize what the statute forbids — O.C.G.A. § 33-6-4(b)(8)(A) bars national-origin discrimination regardless of internal manuals.
- B) The prohibition applies to any insurance and any distribution channel; selling through producers offers no exemption.
- C) Unfair claims settlement practices govern the handling of claims after coverage exists; a denial at the application stage is an unfair trade practice, not a claims-practice violation.
Memory hook
Who you are or where you are from can never set your rate in Georgia.