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) intro-
duced the following bill; which was referred to the Committee on Finan-
cial Services 
A BILL 
To establish minimum standards relating to a factor for 
life insurance eligibility and rates, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Insurance Fairness 
for First Responders Act of 2019’’. 
SEC. 2. FAIRNESS FOR LIFE INSURANCE PURCHASERS. 
Title V of the Dodd-Frank Wall Street Reform and 
Consumer Protection Act (15 U.S.C. 8201 et seq.) is 
amended by adding at the end the following new subtitle: 
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‘‘Subtitle C—Fairness for Life 
Insurance Purchasers 
‘‘SEC. 551. PROHIBITION AGAINST DISCRIMINATION IN LIFE 
INSURANCE POLICIES BASED ON POSSES-
SION OF NALOXONE. 
‘‘(a) IN GENERAL.—It shall be unlawful for any in-
surer to deny any person life insurance, or to otherwise 
discriminate in the issuance, cancellation, amount of cov-
erage, or conditions of life insurance, based upon the law-
ful possession by such person of naloxone pursuant to a 
standing order for the dispensing of naloxone to a health 
care professional or first responder issued by an agency 
of a State or unit of general local government. 
‘‘(b) INSURANCE RATES.—It shall be unlawful for 
any insurer to charge rates for life insurance which are 
excessive or unfairly discriminatory in relation to the actu-
arial risk associated with the lawful possession by such 
person of naloxone pursuant to a standing order for the 
dispensing of naloxone to a health care professional or 
first responder issued by an agency of a State or unit of 
general local government. 
‘‘SEC. 552. ADMINISTRATIVE ENFORCEMENT. 
‘‘(a) STATE ENFORCEMENT.—In addition to such 
other remedies as are provided under State law, the chief 
law enforcement officer of a State, or an official or agency 
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designated by a State, may bring an action to enjoin any 
person who has violated or is violating this subtitle. 
‘‘(b) ENFORCEMENT BY SECRETARY.—The Secretary 
of the Treasury shall enforce this subtitle in any State 
that the Secretary determines does not have a comparable 
State law or a law that the Secretary has determined is 
not inconsistent under section 553. 
‘‘SEC. 553. EFFECT ON STATE LAWS. 
‘‘(a) IN GENERAL.—This subtitle does not annul, 
alter, or affect, or exempt any insurer subject to the provi-
sions of this subtitle from complying with the laws of any 
State with respect to the use of lawful possession by such 
person of naloxone pursuant to a standing order for the 
dispensing of naloxone to a health care professional or 
first responder issued by an agency of a State or unit of 
general local government for the purposes of underwriting 
or rating life insurance except to the extent that such laws 
are inconsistent with any provision of this subtitle and 
then only to the extent of the inconsistency. The Secretary 
may determine whether such inconsistencies exist. The 
Secretary may not determine that any State law is incon-
sistent with any provision of this subtitle if the Secretary 
determines that such law gives greater protection to the 
insured. 
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‘‘(b) STATE EXEMPTIONS.—The Secretary shall, by 
regulation, exempt from the requirements of this subtitle 
any class of insurance transactions within any State if the 
Secretary determines that under the law of that State that 
class of transaction is subject to requirements substan-
tially similar to those imposed under this subtitle or that 
such law gives greater protection to the consumer, and 
that there is adequate provision for enforcement. 
‘‘SEC. 554. DEFINITIONS. 
‘‘For purposes of this subtitle, the following defini-
tions shall apply: 
‘‘(1) FIRST RESPONDER.—The term ‘first re-
sponder’ means an individual serving a Federal, 
State, or local governmental or nongovernmental 
agency in an official capacity, with or without com-
pensation, as a law enforcement or public safety offi-
cer, firefighter, emergency rescue or response team 
member, emergency medical service provider or 
paramedic, or rescue squad or ambulance crew mem-
ber. 
‘‘(2) HEALTH CARE PROFESSIONAL.—The term 
‘health care professional’ means, with respect to the 
provision of health care items and services in a 
State, an individual who is licensed or otherwise le-
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gally authorized to provide such items and services 
in such State. 
‘‘(3) INSURER.—The term ‘insurer’ means any 
entity, including any affiliate thereof, that is licensed 
or admitted to engage in the business of providing 
life insurance in any State. 
‘‘(4) INSURED.—The term ‘insured’ means any 
natural person who purchases, or attempts to pur-
chase, life insurance. 
‘‘(5) LIFE INSURANCE.— 
‘‘(A) IN GENERAL.—The term ‘life insur-
ance’ means insurance for which the prob-
abilities of the duration of human life or the 
rate of mortality are an element or condition of 
insurance. 
‘‘(B) INCLUDED INSURANCE.—Such term 
includes the granting of— 
‘‘(i) endowment benefits; 
‘‘(ii) additional benefits in the event of 
death by accident or accidental means; 
‘‘(iii) disability income benefits; 
‘‘(iv) additional disability benefits that 
operate to safeguard the contract from 
lapse or to provide a special surrender 
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value, or special benefit in the event of 
total and permanent disability; 
‘‘(v) benefits that provide payment or 
reimbursement for long-term home health 
care, or long-term care in a nursing home 
or other related facility; 
‘‘(vi) burial insurance; and 
‘‘(vii) optional modes of settlement of 
proceeds of life insurance. 
‘‘(C) EXCLUSIONS.—Such term does not 
include property and casualty insurance, health 
insurance or workers compensation insurance. 
‘‘(6) SECRETARY.—The term ‘Secretary’ means 
the Secretary of the Treasury. 
‘‘SEC. 555. REGULATIONS. 
‘‘The Secretary shall issue regulations to carry out 
the purposes of this subtitle. 
‘‘SEC. 556. APPLICABILITY. 
‘‘This subtitle shall apply to any policy for life insur-
ance coverage issued, renewed, altered, or modified or can-
celed after the expiration of the 6-month period beginning 
on the date of the enactment of this subtitle.’’. 
SEC. 3. TIMING OF REGULATIONS. 
The Secretary of the Treasury shall issue the regula-
tions required by section 555 of the Dodd-Frank Wall 
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Street Reform and Consumer Protection Act, as added by 
section 2 of this Act, not later than the expiration of the 
6-month period beginning on the date of the enactment 
of this Act. 
SEC. 4. CLERICAL AMENDMENT. 
The table of contents in section 1(b) of the Dodd- 
Frank Wall Street Reform and Consumer Protection Act 
(12 U.S.C. 5301 note) is amended by adding at the end 
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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