State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under CIC Section 10146, an insurer underwriting individual life insurance in California is prohibited from:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CIC Section 10146 establishes standards prohibiting unfair discrimination among individuals of the same class in the underwriting of life or disability income insurance on the basis of tests of genetic characteristics. The article also requires informed consent before insurers underwrite on the basis of a genetic test and mandates strict confidentiality of genetic information. This California-specific rule is anchored to objective LIFE-II.I.2.
Why the other options are wrong
- B) Insurers may still ask about family medical history; the law limits use of genetic characteristic tests, not all health questions.
- C) Age and gender remain legitimate rating factors for life insurance; they are not prohibited by Section 10146.
- D) Medical information generally remains a valid underwriting basis; the restriction is specific to genetic characteristic tests.
Memory hook
Your genes are off-limits for discrimination, but family history questions are still fair game.