Florida Life and Health Insurance License Practice Test

While insurance companies can legally use an applicant's age, medical history, and occupation as a basis for denying coverage, using gender as a deciding factor is considered discriminatory and is not allowed. In 2014, the Affordable Care Act was implemented, prohibiting insurance companies from denying coverage or charging higher premiums based on an individual's gender. Therefore, gender cannot be used to reject a life insurance application. The other options listed may be used as factors in the underwriting process, depending on the specific details of an individual's health and lifestyle. However, gender should not play a role in the decision-making process.