State RegulationsMA specificDifficulty 1/5
Under M.G.L. c. 175I, § 4, what must a Massachusetts insurer give its applicants and policyholders concerning personal information?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
M.G.L. c. 175I, the Insurance Information and Privacy Protection Act, requires at § 4 that insurers give a notice of information practices to applicants and policyholders. The notice tells individuals what personal information the insurer collects, how it is used, and to whom it may be disclosed, giving consumers transparency over their data in insurance transactions under the chapter. The Massachusetts Division of Insurance administers this privacy framework, which complements the investigative-report provisions elsewhere in c. 175I.
Why the other options are wrong
- A) Proof-of-loss forms belong to claims procedure, not to the privacy notice required by M.G.L. c. 175I, § 4.
- B) Complaint records are the subject of M.G.L. c. 176D, § 3(10) and run to the regulator, not to a personal-information disclosure under c. 175I.
- C) Financial statements are regulatory filings examined under the Commissioner's authority; they are not the privacy disclosure of M.G.L. c. 175I, § 4.
Memory hook
§ 4 tells people what you know: collection, use, and sharing in one notice.