I 

116TH CONGRESS 

1ST SESSION H. R. 1832 

To establish minimum standards relating to a factor for life insurance 

eligibility and rates, and for other purposes. 

IN THE HOUSE OF REPRESENTATIVES 

MARCH 18, 2019 

Mr. PAPPAS (for himself, Mr. KING of New York, Mr. TRONE, Mr. ROSE of 

New York, Ms. DEAN, Ms. SPEIER, and Mr. COX of California) introduced the following bill; which was referred to the Committee on Financial Services 

A BILL 

To establish minimum standards relating to a factor for 

life insurance eligibility and rates, and for other purposes. 

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 ‘‘Insurance Fairness 

5 for First Responders Act of 2019’’. 

6 SEC. 2. FAIRNESS FOR LIFE INSURANCE PURCHASERS. 

7 Title V of the Dodd-Frank Wall Street Reform and 

8 Consumer Protection Act (15 U.S.C. 8201 et seq.) is 

9 amended by adding at the end the following new subtitle: 


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1 ‘‘Subtitle C—Fairness for Life 

2 Insurance Purchasers 

3 ‘‘SEC. 551. PROHIBITION AGAINST DISCRIMINATION IN LIFE 

4 INSURANCE POLICIES BASED ON POSSES5 SION OF NALOXONE. 

6 ‘‘(a) IN GENERAL.—It shall be unlawful for any in7 surer to deny any person life insurance, or to otherwise 

8 discriminate in the issuance, cancellation, amount of cov9 erage, or conditions of life insurance, based upon the law10 ful possession by such person of naloxone pursuant to a 

11 standing order for the dispensing of naloxone to a health 

12 care professional or first responder issued by an agency 

13 of a State or unit of general local government. 

14 ‘‘(b) INSURANCE RATES.—It shall be unlawful for 

15 any insurer to charge rates for life insurance which are 

16 excessive or unfairly discriminatory in relation to the actu17 arial risk associated with the lawful possession by such 

18 person of naloxone pursuant to a standing order for the 

19 dispensing of naloxone to a health care professional or 

20 first responder issued by an agency of a State or unit of 

21 general local government. 

22 ‘‘SEC. 552. ADMINISTRATIVE ENFORCEMENT. 

23 ‘‘(a) STATE ENFORCEMENT.—In addition to such 

24 other remedies as are provided under State law, the chief 

25 law enforcement officer of a State, or an official or agency 


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1 designated by a State, may bring an action to enjoin any 

2 person who has violated or is violating this subtitle. 

3 ‘‘(b) ENFORCEMENT BY SECRETARY.—The Secretary 

4 of the Treasury shall enforce this subtitle in any State 

5 that the Secretary determines does not have a comparable 

6 State law or a law that the Secretary has determined is 

7 not inconsistent under section 553. 

8 ‘‘SEC. 553. EFFECT ON STATE LAWS. 

9 ‘‘(a) IN GENERAL.—This subtitle does not annul, 

10 alter, or affect, or exempt any insurer subject to the provi11 sions of this subtitle from complying with the laws of any 

12 State with respect to the use of lawful possession by such 

13 person of naloxone pursuant to a standing order for the 

14 dispensing of naloxone to a health care professional or 

15 first responder issued by an agency of a State or unit of 

16 general local government for the purposes of underwriting 

17 or rating life insurance except to the extent that such laws 

18 are inconsistent with any provision of this subtitle and 

19 then only to the extent of the inconsistency. The Secretary 

20 may determine whether such inconsistencies exist. The 

21 Secretary may not determine that any State law is incon22 sistent with any provision of this subtitle if the Secretary 

23 determines that such law gives greater protection to the 

24 insured. 


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1 ‘‘(b) STATE EXEMPTIONS.—The Secretary shall, by 

2 regulation, exempt from the requirements of this subtitle 

3 any class of insurance transactions within any State if the 

4 Secretary determines that under the law of that State that 

5 class of transaction is subject to requirements substan6 tially similar to those imposed under this subtitle or that 

7 such law gives greater protection to the consumer, and 

8 that there is adequate provision for enforcement. 

9 ‘‘SEC. 554. DEFINITIONS. 

10 ‘‘For purposes of this subtitle, the following defini11 tions shall apply: 

12 ‘‘(1) FIRST RESPONDER.—The term ‘first re13 sponder’ means an individual serving a Federal, 

14 State, or local governmental or nongovernmental 

15 agency in an official capacity, with or without com16 pensation, as a law enforcement or public safety offi17 cer, firefighter, emergency rescue or response team 

18 member, emergency medical service provider or 

19 paramedic, or rescue squad or ambulance crew mem20 ber. 

21 ‘‘(2) HEALTH CARE PROFESSIONAL.—The term 

22 ‘health care professional’ means, with respect to the 

23 provision of health care items and services in a 

24 State, an individual who is licensed or otherwise leVerDate Sep 11 2014 19:02 Apr 08, 2019 Jkt 089200 PO 00000 Frm 00004 Fmt 6652 Sfmt 6201 E:\BILLS\H1832.IH H1832

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1 gally authorized to provide such items and services 

2 in such State. 

3 ‘‘(3) INSURER.—The term ‘insurer’ means any 

4 entity, including any affiliate thereof, that is licensed 

5 or admitted to engage in the business of providing 

6 life insurance in any State. 

7 ‘‘(4) INSURED.—The term ‘insured’ means any 

8 natural person who purchases, or attempts to pur9 chase, life insurance. 

10 ‘‘(5) LIFE INSURANCE.— 

11 ‘‘(A) IN GENERAL.—The term ‘life insur12 ance’ means insurance for which the prob13 abilities of the duration of human life or the 

14 rate of mortality are an element or condition of 

15 insurance. 

16 ‘‘(B) INCLUDED INSURANCE.—Such term 

17 includes the granting of— 

18 ‘‘(i) endowment benefits; 

19 ‘‘(ii) additional benefits in the event of 

20 death by accident or accidental means; 

21 ‘‘(iii) disability income benefits; 

22 ‘‘(iv) additional disability benefits that 

23 operate to safeguard the contract from 

24 lapse or to provide a special surrender 


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1 value, or special benefit in the event of 

2 total and permanent disability; 

3 ‘‘(v) benefits that provide payment or 

4 reimbursement for long-term home health 

5 care, or long-term care in a nursing home 

6 or other related facility; 

7 ‘‘(vi) burial insurance; and 

8 ‘‘(vii) optional modes of settlement of 

9 proceeds of life insurance. 

10 ‘‘(C) EXCLUSIONS.—Such term does not 

11 include property and casualty insurance, health 

12 insurance or workers compensation insurance. 

13 ‘‘(6) SECRETARY.—The term ‘Secretary’ means 

14 the Secretary of the Treasury. 

15 ‘‘SEC. 555. REGULATIONS. 

16 ‘‘The Secretary shall issue regulations to carry out 

17 the purposes of this subtitle. 

18 ‘‘SEC. 556. APPLICABILITY. 

19 ‘‘This subtitle shall apply to any policy for life insur20 ance coverage issued, renewed, altered, or modified or can21 celed after the expiration of the 6-month period beginning 

22 on the date of the enactment of this subtitle.’’. 

23 SEC. 3. TIMING OF REGULATIONS. 

24 The Secretary of the Treasury shall issue the regula25 tions required by section 555 of the Dodd-Frank Wall 


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1 Street Reform and Consumer Protection Act, as added by 

2 section 2 of this Act, not later than the expiration of the 

3 6-month period beginning on the date of the enactment 

4 of this Act. 

5 SEC. 4. CLERICAL AMENDMENT. 

6 The table of contents in section 1(b) of the Dodd7 Frank Wall Street Reform and Consumer Protection Act 

8 (12 U.S.C. 5301 note) is amended by adding at the end 

9 the following new items: 

‘‘Subtitle C—Fairness for Life Insurance Purchasers 

‘‘Sec. 551. Prohibition against discrimination in life insurance policies based on 

possession of naloxone. 

‘‘Sec. 552. Administrative enforcement. 

‘‘Sec. 553. Effect on State laws. 

‘‘Sec. 554. Definitions. 

‘‘Sec. 555. Regulations. 

‘‘Sec. 556. Applicability.’’. 

Æ 


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