An insurer issues two individual life policies in Atlanta with the same class, the same amount of insurance, and insureds with equal expectation of life, but charges one insured a higher premium. Under Georgia law this is:

Why A is correct

Under O.C.G.A. § 33-6-4(b)(8)(A), life insurance rates may not differ between individuals of the same class, the same amount of insurance, and equal expectation of life; accident and sickness rates may not differ within the same class and essentially the same hazard. Georgia also prohibits discrimination based on race, color, or national origin in any insurance.

Why the other options are wrong

• B) Georgia expressly forbids rate differences between lives presenting the same class, amount, and expectation of life.
• C) Twisting is inducing a lapse or surrender by misrepresentation, not differential pricing between equal risks.
• D) Coercion under O.C.G.A. § 33-6-4(b)(4) covers boycott, intimidation, and force, not unequal premiums for equal risks.

Memory hook

Same class, same amount, same life expectancy = same premium in Georgia.