Florida Senate - 2006                      COMMITTEE AMENDMENT
    Bill No. SB 764
                        Barcode 165390
                            CHAMBER ACTION
              Senate                               House
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 1           Comm: WD              .                    
       03/21/2006 12:16 PM         .                    
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11  The Committee on Banking and Insurance (Fasano) recommended
12  the following amendment:
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14         Senate Amendment (with title amendment) 
15         Delete everything after the enacting clause
16  
17  and insert:  
18         Section 1.  Paragraph (dd) is added to subsection (1)
19  of section 626.9541, Florida Statutes, to read:
20         626.9541  Unfair methods of competition and unfair or
21  deceptive acts or practices defined.--
22         (1)  UNFAIR METHODS OF COMPETITION AND UNFAIR OR
23  DECEPTIVE ACTS.--The following are defined as unfair methods
24  of competition and unfair or deceptive acts or practices:
25         (dd)  Refusal to insure.--A life insurance company may
26  not refuse to insure, refuse to continue to insure, or limit
27  the amount, extent, or kind of life insurance coverage
28  available to an individual based solely on the individual's
29  past lawful foreign travel or based solely on the individual's
30  future lawful foreign travel plans except under specified
31  circumstances.
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    8:46 AM   02/07/06                             s0764d-bi11-j02

Florida Senate - 2006 COMMITTEE AMENDMENT Bill No. SB 764 Barcode 165390 1 1. An insurer may not refuse to insure, refuse to 2 continue to insure, or limit the amount, extent, or kind of 3 life insurance coverage available to an individual based 4 solely on the individual's past lawful foreign travel. 5 2. An insurer may not refuse to insure, refuse to 6 continue to insure, or limit the amount, extent, or kind of 7 life insurance coverage available to an individual based 8 solely on the individual's future lawful foreign travel plans 9 unless one or more of the following is true with respect to 10 the destination: 11 a. The Centers for Disease Control, the National 12 Institutes of Health, the World Health Organization, or 13 another similar nationally or internationally recognized 14 health organization, as determined by the Office of Insurance 15 Regulation, has issued alerts or warnings regarding serious 16 health-related conditions or an epidemic or pandemic alert and 17 response; 18 b. There is an ongoing armed conflict identified 19 involving: 20 (I) The military of a sovereign nation foreign to the 21 area of conflict identified or recognized by North Atlantic 22 Treaty Organization or the United Nations; or 23 (II) A civil war officially recognized by or involving 24 the peacekeeping forces of North Atlantic Treaty Organization, 25 the United Nations, or another similar international 26 organization as determined by the Office of Insurance 27 Regulation; 28 c. The United States has no diplomatic relations with 29 the country, has withdrawn or is withdrawing its nationals, 30 diplomats, or their families, or has restricted the movement 31 of its personnel due to security concerns; or 2 8:46 AM 02/07/06 s0764d-bi11-j02
Florida Senate - 2006 COMMITTEE AMENDMENT Bill No. SB 764 Barcode 165390 1 d. The Office of Insurance Regulation has determined 2 there are additional criteria or information sources that may 3 be used to establish that an individual having plans to travel 4 to the destination is in a different actuarially supportable 5 class and has a different expectation of life. 6 3. Regardless of any provision of subparagraph 2., an 7 insurer may not refuse to insure or limit the amount, extent, 8 or kind of life insurance coverage available to an individual 9 based solely on the individual's plans to commence future 10 lawful foreign travel more than 24 months after the date of 11 application. 12 4. As used in this paragraph, the term "travel" does 13 not include an individual's country of residence. 14 Section 2. This act shall take effect July 1, 2006. 15 16 17 ================ T I T L E A M E N D M E N T =============== 18 And the title is amended as follows: 19 Delete everything before the enacting clause 20 21 and insert: 22 A bill to be entitled 23 An act relating to travel-limited life 24 insurance coverage; amending s. 626.9541, F.S.; 25 specifying prohibited activities by insurers 26 concerning life insurance coverage relating to 27 lawful travel experiences; providing 28 exceptions; providing an effective date. 29 30 31 3 8:46 AM 02/07/06 s0764d-bi11-j02