Can an Insurance Company refuse to sell me insurance for any reason it chooses?
It is illegal to refuse to sell insurance to someone because of the person’s race, skin color, sex, religion, national origin, ancestry or marital status. Because insurance companies proved adept at getting around these restrictions, there are some regulations which prohibit consideration of certain things when passing on an insurance application. For example, the use of zip codes was used to identify ethnic neighborhoods and persons in those neighborhoods were either denied coverage or charged an excessive premium. When this practice was discovered, it was barred, either by the courts or by the Commissioner’s office.
