State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under California law (Sections 10146 and 10147(b)), an insurer may not:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
California's Article 2.6 (Sections 10146-10149.1) prohibits unfair discrimination based on a person's genetic characteristics in life and disability income insurance underwriting, requires the insurer to keep genetic information strictly confidential, and requires informed consent before underwriting on the basis of a genetic test. These rules mirror the HIV protections and bar insurers from using genetic traits as the sole basis for adverse decisions, while still allowing other medical underwriting.
Why the other options are wrong
- B) Insurers may still ask medical questions and underwrite on health factors; only genetic-based discrimination is restricted.
- C) Family medical history may be considered within limits; the statute targets genetic tests and characteristics as a discriminatory basis.
- D) Medical exams remain a permissible underwriting tool.
Memory hook
Genes are off-limits as a discrimination trigger. Consent, confidentiality, and fairness govern genetic underwriting in California.