P&CMAmedium
Under M.G.L. c. 175 §193T, which rating practice is expressly prohibited in Massachusetts insurance?
Rating a policy higher solely because the insured is blind, without actuarial support
BCharging different premiums to risks with genuinely different expected losses
COffering a safety-feature discount supported by loss data
DCancelling a policy for non-payment of premium after the statutory notice period has expired
Why this is the answer
M.G.L. c. 175 §193T bars insurers from making any distinction in issuing a policy, or in its rates, solely because the insured is blind or partially blind, has an intellectual disability, or has a physical impairment, unless the distinction rests on sound actuarial principles or actual experience. Actuarially supported risk classification, safety discounts, and cancellation for non-payment are not unfair discrimination.
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