2025 -- S 0465
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LC000289
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S T A T E O F R H O D E I S L A N D
IN GENERAL ASSEMBLY
JANUARY SESSION, A.D. 2025
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A N A C T
RELATING TO INSURANCE -- LIFE INSURANCE POLICIES AND RESERVES
Introduced By: Senators Bell, Mack, Kallman, Burke, Euer, Quezada, Valverde, Acosta,
Ujifusa, and Raptakis
Date Introduced: February 26, 2025
Referred To: Senate Health & Human Services
It is enacted by the General Assembly as follows:
SECTION 1. Chapter 27-4 of the General Laws entitled "Life Insurance Policies and 1
Reserves" is hereby amended by adding thereto the following section: 2
27-4-28.1. Prohibition on preexisting condition exclusion in obtaining life insurance. 3
(a) A life insurance policy offered, issued, issued for delivery, or issued to cover a resident 4
of this state by a life insurance company licensed pursuant to this title and/or chapter shall not limit 5
or exclude coverage for any individual because of a previous denial for coverage or due to 6
preexisting medical conditions of that individual. 7
(b) As used in this section, “preexisting condition exclusion” means any limitation or 8
exclusion of benefits, including a denial of coverage, applicable to an individual as a result of 9
information relating to an individual’s health status before the individual’s effective date of 10
coverage, or if the coverage is denied, the date of denial, under the terms of the life insurance 11
policy, such as a condition (whether physical or mental) identified as a result of a pre-enrollment 12
questionnaire or physical examination given to the individual, or review of medical records relating 13
to the pre-enrollment period. 14
(c) Any preexisting condition exclusion language included in a life insurance application, 15
binder or life insurance policy issued to or covering a resident of this state is void and 16
unenforceable. 17
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SECTION 2. This act shall take effect upon passage. 1
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EXPLANATION
BY THE LEGISLATIVE COUNCIL
OF
A N A C T
RELATING TO INSURANCE -- LIFE INSURANCE POLICIES AND RESERVES
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This act would prohibit a person from being denied life insurance for preexisting conditions 1
or previous denials. 2
This act would take effect upon passage. 3
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LC000289
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