On what grounds can an applicant not be refused insurance coverage?

An applicant cannot be refused insurance coverage on the grounds of race due to anti-discrimination laws that protect individuals from being denied services based on inherent characteristics. In the context of insurance, this principle is critical to ensuring that all individuals have equal access to coverage regardless of their racial background.

Legal frameworks, such as the Civil Rights Act and various state laws, explicitly prohibit discrimination based on race in many areas, including housing, employment, and insurance. This protection is essential for fostering an equitable society and ensuring fairness in the insurance marketplace. Consequently, any refusal to provide insurance based on an applicant’s race is not only unethical but also illegal.

In contrast, while age, gender, and occupation can still play a role in underwriting determinations, they are often subject to specific regulations and may sometimes be used in assessing risk. This doesn't mean they cannot be used at all in insurance practices, unlike race, which is a guaranteed basis for protection against discrimination.