State RegulationsAZ specificDifficulty 3/5
An Arizona insurer obtains genetic test results from an applicant's prior medical records and uses them to deny the applicant a life policy even though the applicant's current health is excellent. Which statement is correct under Arizona insurance law?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
A.R.S. 20-448 expressly extends unfair discrimination protections to genetic-testing information, so an insurer may not use genetic test results to deny coverage or otherwise discriminate against an applicant in the same class. The denial here is a prohibited practice regardless of the applicant's current health.
Why the other options are wrong
- A) Predictive value does not authorize discrimination based on genetic-testing information under A.R.S. 20-448.
- B) There is no annual-consent carve-out that would permit genetic-based discrimination in Arizona insurance law.
- C) Offering a rated-up alternative is not a substitute for the prohibition; the discriminatory use itself is unlawful.
Memory hook
Genes are off-limits — 20-448 keeps DNA out of the deny pile.