What condition allows a licensee to disclose non-public personal information without authorization?

The correct answer is that there is no condition that allows a licensee to disclose non-public personal information without authorization. This principle is rooted in the regulatory framework that governs the handling of sensitive personal data. Insurance licensees are required to protect the confidentiality of consumers' non-public personal information and can only share such information under specific circumstances that typically involve authorization from the consumer or legal exceptions outlined by law.

It’s essential to understand that non-public personal information is safeguarded to ensure consumers' privacy and to maintain trust in the insurance system. While there are certain legal provisions that might permit disclosure with consent or under specific conditions (like legal proceedings or fraud investigations), in general, any type of non-public disclosure without consumer authorization is not permitted.

Alternative choices suggest that a licensee could disclose information if there were a written request, if the disclosure was for a business purpose, or if the consumer was informed beforehand. However, none of these scenarios align with the requirement for authorization, which is paramount in the protection of non-public personal information. Thus, no condition permits disclosure without prior consent, reaffirming the importance of consumer privacy and security in financial services.