State RegulationsNC specificDifficulty 1/5
Under G.S. 58-58-25, a North Carolina life insurer may NOT refuse to issue a policy or charge a higher premium solely because the applicant:
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under G.S. 58-58-25, a North Carolina insurer may not refuse to issue life insurance solely because the insured has the sickle cell trait or hemoglobin C trait, nor may it charge a higher premium rate on that basis alone. Underwriting may still consider legitimate risk factors such as occupation and family medical history.
Why the other options are wrong
- A) A hazardous occupation is a legitimate underwriting factor and may be rated or declined.
- C) Family medical history is a legitimate underwriting factor the statute does not restrict.
- D) An occupation change is a legitimate underwriting consideration; only the sickle cell and hemoglobin C traits are protected.
Memory hook
Sickle cell trait can't be priced — never refuse, never surcharge on the trait alone.