Can an insurance company refuse to sell me insurance for any reason it chooses?
Get Legal Help Today
Secured with SHA-256 Encryption
UPDATED: May 2, 2012
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
It is illegal to refuse to sell insurance to someone because of the person’s race, color, sex, religion, national origin or ancestry. In many states this list of “prohibited classifications” also may include (subject to various limits to change rates, marital status, age, occupation, language, sexual orientation, physical or mental impairment, or the geographic location where a person lives. Beyond the prohibited classifications, insurance underwriting decisions generally must be based on reasons that are related in some way to the risk to be insured. In many states insurance companies can refuse you a policy or charge you a higher rate based on your credit score. In most states an individual has a legal right to be informed of the reasons for any refusal to issue an insurance policy.