California Insurance Code & EthicsQuestion 52 of 215
Under the California Insurance Information and Privacy Protection Act, an insurer may generally disclose personal information collected from an applicant to a third party only if:
a.The disclosure is for marketing affiliated insurance products without any limit
b.An authorization signed by the individual permits the disclosure or another statutory exception applies
c.The insurer's underwriting department deems it useful
d.It happens at least 12 months after policy issuance
Explanation
Section 791.13 prohibits disclosure of personal information to nonaffiliated third parties without the individual's written authorization, except for specific enumerated purposes such as fraud investigation, regulatory examination, or actuarial study. Internal underwriting preference, marketing without limit, and the passage of time are not exceptions.
Law Reference: Cal. Ins. Code §791.13Practice all 215 questions free — no signup required.
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