Life Insurance Anti-Discrimination in Travel Act

Life Insurance Anti-Discrimination in Travel Act - Declares that it is unlawful to deny any person life insurance coverage, or to discriminate in the issuance, cancellation, terms (including premium rates), or conditions of life insurance coverage, based upon the past lawful travel experiences of such person.

Exempts property and casualty insurance, certain health insurance, and workers compensation insurance from such proscription.

States that a violation of this Act constitutes an unfair method of competition and an unfair or deceptive act or practice under the Federal Trade Commission Act.

[Congressional Bills 109th Congress]
[From the U.S. Government Publishing Office]
[H.R. 3504 Introduced in House (IH)]







109th CONGRESS
  1st Session
                                H. R. 3504

 To prohibit discrimination in the provision of life insurance on the 
        basis of a person's previous lawful travel experiences.


_______________________________________________________________________


                    IN THE HOUSE OF REPRESENTATIVES

                             July 28, 2005

   Mr. Emanuel (for himself, Mr. Weiner, Ms. Wasserman Schultz, Mr. 
 Ackerman, Mr. Van Hollen, Mrs. McCarthy, Mr. Waxman, Ms. Schakowsky, 
 Mr. Berman, Mr. Israel, Mr. Rothman, Mr. Frank of Massachusetts, and 
   Mr. Bishop of New York) introduced the following bill; which was 
referred to the Committee on Financial Services, and in addition to the 
   Committee on Energy and Commerce, for a period to be subsequently 
   determined by the Speaker, in each case for consideration of such 
 provisions as fall within the jurisdiction of the committee concerned

_______________________________________________________________________

                                 A BILL


 
 To prohibit discrimination in the provision of life insurance on the 
        basis of a person's previous lawful travel experiences.

    Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Life Insurance Anti-Discrimination 
in Travel Act''.

SEC. 2. PROHIBITION OF DISCRIMINATION BASED ON PREVIOUS LAWFUL TRAVEL 
              EXPERIENCES.

    (a) In General.--It shall be unlawful to deny any person life 
insurance coverage, or to make any distinction or otherwise 
discriminate in the issuance, cancellation, terms (including premium 
rates), or conditions of life insurance coverage, based upon the past 
lawful travel experiences of such person.
    (b) Definition.--
            (1) In general.--For purposes of this Act, the term ``life 
        insurance'' means insurance for which the probabilities of the 
        duration of human life or the rate of mortality are an element 
        or condition of insurance.
            (2) Included insurance.--Such term includes the granting 
        of--
                    (A) endowment benefits;
                    (B) additional benefits in the event of death by 
                accident or accidental means;
                    (C) disability income benefits;
                    (D) additional disability benefits that operate to 
                safeguard the contract from lapse or to provide a 
                special surrender value, or special benefit in the 
                event of total and permanent disability;
                    (E) benefits that provide payment or reimbursement 
                for long-term home health care, or long-term care in a 
                nursing home or other related facility;
                    (F) burial insurance; and
                    (G) optional modes of settlement of proceeds of 
                life insurance.
            (3) Exclusions.--Such term does not include property and 
        casualty insurance, health insurance (except as otherwise 
        provided in paragraph (2)), or workers compensation insurance.

SEC. 3. ENFORCEMENT.

    A violation of this section constitutes an unfair method of 
competition and an unfair or deceptive act or practice under section 
5(a)(1) of the Federal Trade Commission Act (15 U.S.C. 45(a)(1)).

SEC. 4. EFFECTIVE DATE.

    This Act shall take effect upon the expiration of the 60-day period 
beginning on the date of the enactment of this Act and shall apply to 
any policy for life insurance coverage issued, renewed, altered, or 
modified after the expiration of such period.
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