State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Under California Insurance Code Section 785, the special duty of honesty, good faith, and fair dealing applies to prospective insureds who are age:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Section 785(a) states that all insurers, brokers, agents, and others engaged in the transaction of insurance owe a prospective insured who is 65 years of age or older a duty of honesty, good faith, and fair dealing. This senior-specific protection applies to the sale of life insurance and annuities to older consumers. Note that Section 10127.10 uses a different age threshold, 60, for its special cancellation and notice rules, so the two sections must not be confused.
Why the other options are wrong
- B) Age 60 is the threshold used by Section 10127.10 for senior cancellation rights, not by Section 785.
- C) Age 70 is not a statutory threshold for senior insurance protections.
- D) Age 62 is the early Social Security retirement age, not the Section 785 threshold.
Memory hook
Section 785 starts protecting at 65; Section 10127.10 cancellation perks kick in at 60. Two sections, two ages.