State RegulationsMA specificDifficulty 1/5
In connection with a Massachusetts life application, an outside firm interviews the applicant's friends, neighbors, and business associates about her character, reputation, and habits. Under M.G.L. c. 175I, § 7, what is this report called?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
M.G.L. c. 175I, § 7 addresses investigative consumer reports — consumer reports that include personal interviews with the subject's friends, neighbors, or business associates regarding character, reputation, and habits. Because this reporting reaches into the applicant's social circle, Massachusetts law gives it special treatment within the Insurance Information and Privacy Protection Act. Recognizing the label triggers knowing the added duties that attach to it.
Why the other options are wrong
- B) A policy summary under 211 CMR 31.04 discloses policy figures; it has nothing to do with interviews about character and reputation.
- C) A notice of information practices under M.G.L. c. 175I, § 4 describes the insurer's data handling; the interview-based report is the § 7 document.
- D) A medical examination report concerns clinical findings from an examination, not personal interviews with the applicant's associates.
Memory hook
Neighbors interviewed means investigative consumer report — § 7 territory.