I 

109TH CONGRESS 

1ST SESSION H. R. 3504

To prohibit discrimination in the provision of life insurance on the basis 

of a person’s previous lawful travel experiences. 

IN THE HOUSE OF REPRESENTATIVES 

JULY 28, 2005

Mr. EMANUEL (for himself, Mr. WEINER, Ms. WASSERMAN SCHULTZ, Mr. 

ACKERMAN, Mr. VAN HOLLEN, Mrs. MCCARTHY, Mr. WAXMAN, Ms. 

SCHAKOWSKY, Mr. BERMAN, Mr. ISRAEL, Mr. ROTHMAN, Mr. FRANK of 

Massachusetts, and Mr. BISHOP of New York) introduced the following 

bill; which was referred to the Committee on Financial Services, and in 

addition to the Committee on Energy and Commerce, for a period to be 

subsequently determined by the Speaker, in each case for consideration 

of such provisions as fall within the jurisdiction of the committee concerned 

A BILL

To prohibit discrimination in the provision of life insurance 

on the basis of a person’s previous lawful travel experiences.

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled,

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘Life Insurance Anti5 Discrimination in Travel Act’’. 
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1 SEC. 2. PROHIBITION OF DISCRIMINATION BASED ON PRE2 VIOUS LAWFUL TRAVEL EXPERIENCES. 

3 (a) IN GENERAL.—It shall be unlawful to deny any 

4 person life insurance coverage, or to make any distinction 

5 or otherwise discriminate in the issuance, cancellation, 

6 terms (including premium rates), or conditions of life in7 surance coverage, based upon the past lawful travel experi8 ences of such person. 

9 (b) DEFINITION.—

10 (1) IN GENERAL.—For purposes of this Act, 

11 the term ‘‘life insurance’’ means insurance for which 

12 the probabilities of the duration of human life or the 

13 rate of mortality are an element or condition of in14 surance. 

15 (2) INCLUDED INSURANCE.—Such term in16 cludes the granting of—

17 (A) endowment benefits; 

18 (B) additional benefits in the event of 

19 death by accident or accidental means; 

20 (C) disability income benefits; 

21 (D) additional disability benefits that oper22 ate to safeguard the contract from lapse or to 

23 provide a special surrender value, or special 

24 benefit in the event of total and permanent dis25 ability; 
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1 (E) benefits that provide payment or reim2 bursement for long-term home health care, or 

3 long-term care in a nursing home or other re4 lated facility; 

5 (F) burial insurance; and 

6 (G) optional modes of settlement of pro7 ceeds of life insurance. 

8 (3) EXCLUSIONS.—Such term does not include 

9 property and casualty insurance, health insurance 

10 (except as otherwise provided in paragraph (2)), or 

11 workers compensation insurance. 

12 SEC. 3. ENFORCEMENT. 

13 A violation of this section constitutes an unfair meth14 od of competition and an unfair or deceptive act or prac15 tice under section 5(a)(1) of the Federal Trade Commis16 sion Act (15 U.S.C. 45(a)(1)). 

17 SEC. 4. EFFECTIVE DATE. 

18 This Act shall take effect upon the expiration of the 

19 60-day period beginning on the date of the enactment of 

20 this Act and shall apply to any policy for life insurance 

21 coverage issued, renewed, altered, or modified after the ex22 piration of such period.

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