State RegulationsGA specificDifficulty 1/5
Under Georgia's unfair trade practices act, discrimination against insurance applicants on the basis of race, color, or national origin is:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under O.C.G.A. § 33-6-4(b)(8)(A), discrimination based on race, color, or national origin is prohibited in any insurance transaction. It is never permitted regardless of the line of insurance or any claimed actuarial rationale, and no complaint from an applicant is required before the Insurance Commissioner may act against the practice.
Why the other options are wrong
- A) The prohibition applies to all insurance transactions, not to life insurance only.
- B) No actuarial justification can legitimize race, color, or national-origin discrimination under the Georgia statute.
- D) Enforcement does not depend on a written complaint; the Insurance Commissioner may proceed on the Department's own initiative.
Memory hook
Race, color, origin — never a rating factor in Georgia, any line, any time.