Under the Consumer Protection Code, a life assurance company can charge a consumer a fee for an optional extra benefit under a new policy, ONLY if the consumer:

• A. Has confirmed that he or she wishes to purchase that optional benefit.
• B. Does not positively object to paying for that benefit.
• C. Is an existing client of the life assurance company.
• D. Is a company or an individual acting in the course of their business.

Answer: (A)

The key idea is that charges for optional extra benefits must be based on the consumer’s explicit, affirmative consent before the feature is added to a new policy. This ensures transparency and that the consumer truly agrees to pay for the extra benefit, not just passively accept it or be charged without a clear opt-in. Because the fee is only lawful when the consumer has confirmed they wish to purchase the optional benefit, the scenario described by the correct option is the only one that fits. Simply not objecting to paying isn’t enough to establish consent, and being an existing client or a business transaction doesn’t automatically create the right to add and charge for an optional feature—the critical factor is the consumer’s explicit confirmation to purchase.