Michigan House Bill HB4810

Michigan 2023-2024 Regular Session

• Introduced: 6/15/23
• Refer: 6/15/23

Caption

Insurance: other; certain references in the insurance code; make gender neutral. Amends secs. 2207, 2209, 3110 & 3402 of 1956 PA 218 (MCL 500.2207 et seq.). TIE BAR WITH: HJR F'23

Impact

The bill intends to remove outdated gender-specific language within the insurance code, which could lead to improved clarity and inclusivity in legal frameworks governing insurance in Michigan. By recognizing varied gender identities, HB 4810 is expected to affect how insurers formulate and deliver policies, particularly in terms of beneficiary designations and the rights of insured parties. It represents a significant step toward adapting state law to align with contemporary values of equality and fairness.

Summary

House Bill 4810 proposes amendments to the Michigan Insurance Code of 1956 with the goal of making certain terms and provisions gender neutral. This bill focuses on several sections of the existing code, including those that deal with life insurance policies, dependency definitions, and the management of insurance benefits. The amendments aim to ensure that the language reflects modern understandings of gender, thus providing equitable treatment in insurance matters regardless of an individual's gender identity.

Contention

Despite its progressive intentions, there may be points of contention surrounding the bill. Discussions could arise regarding the necessity and implications of changing existing legal terminology, especially among groups that are concerned about the effects of such changes on traditional interpretations of insurance agreements and family law. Critics may question whether the amendments adequately address deeper issues in the insurance industry or if they serve primarily as symbolic gestures without concrete benefits to consumers.

Provisions

Notably, the bill ensures that the proceeds from insurance policies remain exempt from creditor claims, supporting the financial security of beneficiaries. It emphasizes the understanding of dependency in situations of bereavement which can impact life insurance payouts. The inclusion of provisions regarding survivors' benefits may enhance protections for dependents, potentially allowing for clearer pathways to financial support in times of loss.