Can an insurer refuse to issue or continue coverage to National Guard members solely because of their status?

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Study for the Minnesota Life Accident and Health Producer Exam. Prepare with flashcards and multiple choice questions with hints and explanations. Get ready for your exam!

Multiple Choice

Can an insurer refuse to issue or continue coverage to National Guard members solely because of their status?

Explanation:
Insurers must not deny or cancel coverage simply because a person is a National Guard member. Military status is a protected factor, and service members are entitled to have insurance issued and continued on the same basis as other applicants. Underwriting and policy issuance should be based on actual health risk factors, age, tobacco use, medical history, and the terms of the policy—not on whether someone serves in the National Guard. So, coverage cannot be refused solely due to that status.

Insurers must not deny or cancel coverage simply because a person is a National Guard member. Military status is a protected factor, and service members are entitled to have insurance issued and continued on the same basis as other applicants. Underwriting and policy issuance should be based on actual health risk factors, age, tobacco use, medical history, and the terms of the policy—not on whether someone serves in the National Guard. So, coverage cannot be refused solely due to that status.

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