Under what condition can an applicant not be refused insurance coverage?

An applicant cannot be refused insurance coverage due to their race because such discrimination is explicitly prohibited under federal and state laws, including the Civil Rights Act and various anti-discrimination statutes. These laws ensure that individuals have equal access to insurance regardless of their racial or ethnic background. This principle aligns with the broader commitment to promote fairness and equality in the insurance industry, making it illegal for insurers to use race as a factor in underwriting decisions or coverage availability.

In contrast, other factors such as credit scores or health history may be legitimate considerations for insurance companies and can influence decisions regarding coverage. Additionally, the type of insurance being sought can impact acceptance criteria, but none of these justifies denying coverage based on race.