State RegulationsGA specificDifficulty 2/5
Under Georgia insurance law, treating applicants differently because of race, color, or national origin is:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
O.C.G.A. § 33-6-4(b)(8)(A) prohibits discrimination because of race, color, or national origin in any insurance, with no actuarial justification exception. While other rate distinctions turn on class, hazard, or expectation of life, these characteristics can never form the basis of differential treatment, making the ban absolute across every line the Insurance Commissioner regulates in Georgia.
Why the other options are wrong
- B) The prohibition covers every line of insurance, not just life; accident and sickness coverage is equally protected.
- C) Actuarial data cannot justify race, color, or national-origin discrimination; the ban admits no such exception.
- D) The prohibition is not limited to accident and sickness insurance; it applies to all insurance.
Memory hook
Race, color, national origin: never a rating factor, anywhere, ever.