State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under CIC Section 10382, altering a written disability insurance application without the applicant's written consent, other than permitted administrative insertions, is:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CIC Section 10382 prohibits any person other than the applicant from altering a written disability policy application without the applicant's written consent. The only exception is insertions by the insurer for administrative purposes, made in a manner that clearly indicates they are not to be ascribed to the applicant. The statute states that making any other alteration without the applicant's consent is a misdemeanor. A producer has no authority to fix or complete the application based on assumptions about the applicant's intent.
Why the other options are wrong
- B) The statute expressly makes the unauthorized alteration a misdemeanor, a criminal offense, not merely a civil infraction.
- C) Good-faith belief about the applicant's intent does not satisfy the written-consent requirement.
- D) The producer's initials do not cure the absence of the applicant's written consent; the alteration is unlawful.
Memory hook
Nobody edits the disability application but the applicant. Unauthorized edits = misdemeanor.