Under CIC §10146, before a California life insurer may underwrite based on a test of an applicant's genetic characteristics, it must obtain:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CIC §10146 requires informed consent before an insurer underwrites life or disability income insurance on the basis of a test of a person's genetic characteristics, and it mandates strict confidentiality of the personal information obtained from such tests. The statute's purpose is to prevent unfair discrimination among people of the same class based on genetic test results and to set reliable standards for insurability. A physician's approval, a court order, and employer authorization are not the statutory prerequisites; the applicant's own informed consent is the gatekeeper.
Why the other options are wrong
- B) The statute requires the applicant's informed consent, not the approval of the applicant's personal physician. No medical endorsement is required.
- C) No court order is needed. The statutory safeguard is the applicant's informed consent plus strict confidentiality of the genetic test information.
- D) The employer's authorization is irrelevant to underwriting on genetic characteristics. The consent requirement belongs to the applicant alone.
Memory hook
Your genes, your consent — no informed consent, no genetic underwriting in California.