Which question would be considered unfair discrimination when determining insurability?

The determination of insurability involves evaluating various factors, but it must be done fairly and without bias. When considering the factors listed, sexual orientation stands out as it is a protected characteristic under anti-discrimination laws in many jurisdictions, including Colorado. Evaluating an individual's insurability based on their sexual orientation constitutes unfair discrimination because it does not relate to the individual's risk level or the insurability of their life or property.

In contrast, the other factors—annual income, occupation, and age—can be relevant to assessing risk. For example, an individual's occupation might predict certain risk levels associated with their job, and age might correlate with different health risks. Annual income could impact the ability to pay premiums or the amount of coverage needed. However, using sexual orientation as a factor in this assessment does not align with fair underwriting practices, as it does not have a legitimate basis in assessing risk or insurability.