State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under California law governing underwriting on the basis of genetic characteristics, which statement is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
California Insurance Code Sections 10146 and 10147 establish standards prohibiting unfair discrimination among individuals of the same class in life and disability income insurance on the basis of tests of genetic characteristics. Insurers must require informed consent before underwriting on the basis of such tests and must keep genetic information strictly confidential. Genetic characteristics are defined as scientifically identifiable genes or alterations known or statistically associated with causing disease, with no current symptoms.
Why the other options are wrong
- B) Informed consent is required before an insurer may underwrite on the basis of a genetic test, so use without consent is prohibited.
- C) The law bans unfair discrimination among persons of the same class; it does not ban coverage outright for anyone with a genetic characteristic.
- D) The statute requires strict confidentiality of genetic information, and disclosure to an employer would violate that confidentiality.
Memory hook
Genes are off the rating table: no unfair discrimination, no use without consent, and strict confidentiality.