California Insurance Code § 785 imposes a special duty on producers when transacting life or annuity business with which group?

Why this is the answer

Ins. Code § 785 is the gateway statute for California's senior-protection regime. It establishes that producers and insurers owe a heightened duty to consumers 65 and older — not just the implied covenant of good faith every insurance contract carries. The statute is used as the substantive predicate when CDI enforcement charges suitability or twisting violations against seniors and supports enhanced civil penalties. Note the AGE threshold: § 785 uses 65+; § 786/787 (senior annuity return) and § 10127.10 (life free-look) use 60+ — that is a common trap. § 785 applies to all insureds 65+, not only residents, non-citizens, or minors.