State RegulationsMI specificDifficulty 3/5
During underwriting of a long-term care application in Michigan, an insurer wants to consider the applicant's genetic test results in deciding whether to issue the policy. What does Michigan law provide?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
M.C.L. 500.3407b prohibits Michigan insurers from using genetic test results in making underwriting decisions. The underwriting of a long-term care application must therefore rest on other health information, and the applicant cannot be disadvantaged because of genetic testing, regardless of consent or reporting procedures.
Why the other options are wrong
- A) Consent does not cure the statutory bar on using genetic test results in underwriting.
- B) No age band authorizes genetic underwriting; the prohibition is universal.
- D) No reporting mechanism legitimizes what the statute prohibits outright.
Memory hook
Genetic tests = never an underwriting factor, M.C.L. 500.3407b.