Question

If an insurance company wishes to order a consumer report on an applicant to assist in the underwriting process, and if a notice of insurance information practices has been provided, the report may contain all of the following information EXCEPT the applicant's?A. Habits.
B. Prior insurance.
C. Ancestry.
D. Credit history.

Answer 1

Answer:

C) Ancestry.

Explanation:

A person's ancestry is very tied with his/her race, so any report including such personal information could be considered discriminating specially if the report is not good. Obviously if your ancestry is European, it is likely that you are white, but if your ancestry is Asian or African, then that might result in problems leading to discrimination issues. Even for Latinos which are very racially mixed, the fact that a company focuses on their ethnic origin can still be troublesome.

insurance companies discriminate users based on many factors, like health issues, habits, and prior records, but other factors like gender, race, and ethnic background are too sensitive for them to do it at least on record.