State RegulationsGA specificDifficulty 1/5
Which practice is prohibited in every line of insurance written in Georgia?
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Answer & full 3-part explanation (select an option above, or peek)
Why A 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. The Georgia Insurance Department treats such underwriting as an unfair trade practice regardless of line, because no class or hazard analysis can lawfully rest on these protected characteristics.
Why the other options are wrong
- B) Requiring a physical examination is an ordinary underwriting tool and is not an unfair trade practice under Georgia law.
- C) The application form used is not itself the discrimination test; the unfair discrimination rules under O.C.G.A. § 33-6-4(b)(8)(A) address rates and terms between individuals.
- D) Offering premium payment modes is a routine administrative practice, not a violation of O.C.G.A. § 33-6-4(b)(8)(A).
Memory hook
Race, color, national origin: never a rating factor in any Georgia line.