State RegulationsOH specificDifficulty 2/5
An Ohio insurer wants to share an applicant's personal information with an unrelated marketing firm for promotional mailings. Under Ohio's insurance information privacy provisions, the disclosure is:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Ohio's insurance information privacy framework, including ORC 3904.01(R), ORC 3904.04, ORC 3904.14, and ORC 3965.01 to 3965.11, restricts an insurer's use and disclosure of the personal information it collects. Information gathered in the insurance relationship may be disclosed only for permitted purposes or with proper authorization, and the Ohio Department of Insurance enforces these information-practices rules.
Why the other options are wrong
- B) Collecting information does not make it freely usable; the privacy statutes in ORC 3904 and ORC 3965 constrain disclosure regardless of who holds the data.
- C) A third party's confidentiality promise does not substitute for the statutorily required authorization or permitted purpose under Ohio's privacy provisions.
- D) The rules restrict disclosure but do not ban it absolutely; with the individual's proper authorization or another permitted basis, disclosure can lawfully occur.
Memory hook
Applicant data is locked — unlock only with authorization or a permitted purpose.