What types of insurance policies must be filed with the Illinois Department of Insurance before use?

The correct answer is C, as health insurance policies and many life insurance products are specifically required to be filed with the Illinois Department of Insurance prior to their usage. This regulation is designed to ensure that these policies meet state standards for consumer protection and financial solvency.

Health insurance policies undergo rigorous review to confirm they comply with both state and federal regulations, especially in light of complex healthcare laws. Similarly, many life insurance products are also subject to filing requirements to ensure that the terms and conditions are fair, accessible, and suitable for consumers, promoting transparency in the insurance market.

Automobile insurance policies, while they are regulated, do not necessarily require the same pre-approval process as health and certain life insurance products. Similarly, the requirement does not extend to all types of insurance policies universally, which makes the option suggesting that all policies must be filed inaccurate.