MI HB4903

Life insurers cannot rate, cancel, refuse coverage for, or refuse to issue or renew policies solely because an applicant or insured is or has been a victim of violations under Michigan Penal Code sections 750.520a to 750.520g (criminal sexual conduct).

Health insurers cannot rate, cancel, refuse coverage for, or refuse to issue or renew health insurance policies solely because an applicant or insured is or has been a victim of the same criminal sexual conduct violations.

Life insurers may still inquire about, underwrite, and charge different premiums based on an individual's physical or mental condition regardless of the cause.

Life insurers may refuse to issue policies if the applicant, prospective owner, or beneficiary lacks an insurable interest in the insured's life.

Insurers are protected from civil liability for any cause of action resulting from compliance with these requirements; the act takes effect 90 days after enactment.