Which of the following is NOT considered a violation of Unfair Practice?

The correct answer indicates that age discrimination is not classified as a violation of Unfair Practice within the context of this question. Unfair Practices generally refer to actions that can harm consumers, competitors, or the integrity of the insurance industry. These practices undermine fair competition and often involve misconduct or unethical behavior.

In contrast, delaying an investigation, misrepresentation, and defamation are all direct actions that can seriously harm consumers or create an unfair competitive advantage. Delaying an investigation can prevent timely claims processing, affecting the insured’s ability to receive their entitled benefits. Misrepresentation involves misleading information about coverage, which can lead clients to make uninformed decisions. Defamation of an insurer relates to making false or misleading statements about an insurance company, which can harm its reputation and business.

Age discrimination, while unethical and potentially unlawful under various statutes like the Age Discrimination in Employment Act in other contexts, does not fit the typical framework of Unfair Practices found in insurance. This distinction means that while age discrimination is a real concern in other aspects of business and society, it does not directly align with the violations typically addressed by Unfair Practices under the insurance regulations, thus making it the correct answer in this scenario.