Question

question 58 of 60 which of the following is prohibited? a. refusing to reinstate a policy that has been surrendered for its cash value b. charging women a lower premium than men for life insurance c. issuing a life insurance policy to a 15 - year - old child d. a life insurer discriminating against applicants who have a sickle cell trait or hemoglobin - c trait

Explanation:

Insurance regulations often prohibit discrimination based on genetic - related traits like sickle cell or hemoglobin - C traits. Policies surrendered for cash value cannot be reinstated. Gender - based premium differences are sometimes allowed in life insurance based on actuarial data. Minors may be issued life insurance under certain conditions with proper consent. Discrimination against those with genetic traits is unethical and often illegal in insurance.

Answer:

D. A life insurer discriminating against applicants who have a sickle cell trait or hemoglobin - C trait