State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under the Equal Insurance HIV Act (CIC §799), which action is prohibited in the underwriting of disability income insurance?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CIC §799 establishes standards that prevent life and disability income insurers from making or permitting unfair distinctions between individuals of the same class in underwriting for people living with HIV. The statute also requires informed consent before any HIV test and strict confidentiality of testing information. Using HIV status as the sole basis to deny, limit, or rate coverage for an otherwise similarly situated applicant is precisely the unfair distinction the Act prohibits.
Why the other options are wrong
- B) Informed consent is REQUIRED by Section 799 before HIV testing; doing so is lawful and mandatory.
- C) Confidentiality is mandated by the statute; maintaining it is compliant, not prohibited.
- D) Considering other disclosed health conditions in underwriting is lawful; the prohibition is on unfair distinctions based on HIV status alone.
Memory hook
HIV status alone can't kill the application. Same class, same treatment — with consent and secrecy.