保险基本原理第 584 / 716 题
If an insurer takes adverse action (declines or rates coverage) based on a consumer report, the FCRA requires the insurer to:
a.Pay the applicant a fixed statutory penalty for every consumer report that influenced the underwriting decision
b.Inform the applicant and identify the source of the report so it can be reviewed
c.Take no further action toward the applicant
d.Immediately cancel any other policies the applicant owns
解析
On adverse action, the FCRA requires notice to the applicant and disclosure of the reporting agency so the applicant can check and dispute the information. It does not require cancellation of other policies or a penalty payment.
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同考点相关题目
- The Medical Information Bureau (MIB) assists insurers by:
- In using MIB data, an insurer may NOT:
- Under the Fair Credit Reporting Act (FCRA), when an insurer obtains a consumer or investigative report on an applicant, the applicant:
- An investigative consumer report differs from an ordinary consumer report because it:
- HIPAA privacy rules require insurers to:
- An applicant with better-than-average health and lifestyle who qualifies for the lowest available rates is classified as a:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)