State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Which statement about the six specifications required by CIC §381 is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Section 381 sets the minimum specifications every policy must contain; it is a floor, not a ceiling. Policies routinely include many additional provisions — insuring clauses, exclusions, renewal and cancellation terms, and the standard provisions mandated elsewhere in the code (such as the disability policy provisions in Sections 10350-10354). The statute's purpose is to make the contract definite, not to limit the parties to only those six items. Omitting any required element would make the policy defective.
Why the other options are wrong
- B) Policies necessarily contain many provisions beyond the six; the six are minimums, not a complete list.
- C) The risks insured against are a required element; stating the premium does not excuse an omission of the risks.
- D) Section 381 applies to policies generally across insurance lines, not only to group disability policies.
Memory hook
The six are the baseline, not the ceiling. Every policy adds more lawful terms on top.