In selling insurance policies and charging premiums, discrimination within the same _______ is illegal.

Discrimination within the same class is illegal when selling insurance policies and charging premiums. This principle is rooted in the understanding that individuals within the same class should be treated equally in terms of premium rates and policy availability.

In insurance, a class is defined based on shared risk characteristics. For example, individuals insuring similar types of properties or vehicles or those with comparable health statuses would be considered part of the same class. By prohibiting discrimination within this framework, insurance providers ensure fairness and equity, preventing practices that could unfairly disadvantage certain individuals or groups, such as charging higher premiums based on non-risk-related factors, like race, gender, or age, when they possess similar risk profiles.

Other terms like category, group, or type do not capture the regulatory framework governing insurance practices in the same precise manner. They may imply broader or more varied classifications that do not adequately address the specific legal protections intended for ensuring fair treatment based on risk among those in the same class.