(1) No life or disability insurer shall refuse to renew, sell, or issue a life or disability insurance policy, establish or charge a premium or rate to an applicant or a prospective policyholder, or establish or charge an unfair, discriminatory premium or rate to such person solely on the ground that the applicant or policyholder suffers from a severe disability.
(2) “Severe disability,” as used in this section, means any spinal cord disease or injury resulting in permanent and total disability, amputation of any extremity that requires prosthesis, permanent visual acuity of 20/200 or worse in the better eye with the best correction, a peripheral field so contracted that the widest diameter of such field subtends an angular distance no greater than 20 degrees, or neurosensory deafness.
(3) Nothing in this section should be construed as requiring an insurer to provide insurance coverage against a severe disability which the applicant or policyholder has already sustained.
History.—ss. 1, 7, ch. 75-279; s. 1, ch. 77-174; s. 1, ch. 79-171; s. 807, ch. 82-243; ss. 206, 207, ch. 90-363; s. 4, ch. 91-429.
Structure Florida Statutes
Chapter 626 - Insurance Field Representatives and Operations
Part IX - Unfair Insurance Trade Practices (Ss. 626.951-626.99)
626.951 - Declaration of purpose.
626.9531 - Identification of insurers, agents, and insurance contracts.
626.9541 - Unfair methods of competition and unfair or deceptive acts or practices defined.
626.9545 - Improper charge identification incentive program.
626.9551 - Favored agent or insurer; coercion of debtors.
626.9561 - Power of department and office.
626.9581 - Cease and desist and penalty orders.
626.9591 - Appeals from the department or office.
626.9601 - Penalty for violation of cease and desist orders.
626.9621 - Provisions of part additional to existing law.
626.9641 - Policyholders, bill of rights.
626.9702 - Illegal dealings in premiums; excess charges for insurance.
626.9705 - Life or disability insurance; illegal dealings.
626.9706 - Life insurance; discrimination on basis of sickle-cell trait prohibited.
626.9707 - Disability insurance; discrimination on basis of sickle-cell trait prohibited.
626.9741 - Use of credit reports and credit scores by insurers.
626.9743 - Claim settlement practices relating to motor vehicle insurance.
626.9744 - Claim settlement practices relating to property insurance.
626.9885 - Financial institutions conducting insurance transactions.
626.9892 - Anti-Fraud Reward Program; reporting of insurance fraud.
626.9893 - Disposition of revenues; criminal or forfeiture proceedings.