SLS 23RS-129 ENGROSSED
2023 Regular Session
SENATE BILL NO. 11
BY SENATOR LUNEAU
Prefiled pursuant to Article III, Section 2(A)(4)(b)(i) of the Constitution of Louisiana.
INSURANCE RATES. Prohibits insurance rate determinations based on risks classified by
gender. (8/1/23)
1 AN ACT
2 To amend and reenact R.S. 22:1454(A), relative to rating standards and methods; to prohibit
3 rate classifications based on gender; and to provide for related matters.
4 Be it enacted by the Legislature of Louisiana:
5 Section 1. R.S. 22:1454(A) is hereby amended and reenacted to read as follows:
6 ยง1454. Rating standards and methods
7 A. Rates shall not be inadequate or unfairly discriminatory in a competitive
8 market. Rates shall not be excessive, inadequate, or unfairly discriminatory in a
9 noncompetitive market. Risks may be classified using any criteria except that no risk
10 shall be classified on the basis of race, gender, color, creed, or national origin.
11 * * *
The original instrument and the following digest, which constitutes no part
of the legislative instrument, were prepared by Beth O'Quin.
DIGEST
SB 11 Engrossed 2023 Regular Session Luneau
Present law requires that insurance rates not be inadequate or unfairly discriminatory in a
competitive market. Requires that rates not be excessive, inadequate, or unfairly
discriminatory in a noncompetitive market. Authorizes classification of risks using any
criteria but prohibits risk classifications on the basis of race, color, creed, or national origin.
Page 1 of 2
Coding: Words which are struck through are deletions from existing law;
words in boldface type and underscored are additions. SB NO. 11
SLS 23RS-129 ENGROSSED
Proposed law retains these provisions but further prohibits risk classification made on the
basis of gender.
Effective August 1, 2023.
(Amends R.S. 22:1454(A))
Page 2 of 2
Coding: Words which are struck through are deletions from existing law;
words in boldface type and underscored are additions.