An Act Concerning Insurance for Churches and Nonprofit Organizations
Maine Legislature, Session 123, LD 0388
Committee: Insurance and Financial Services
Sponsors: KNIGHT, SNOWE-MELLO, GERZOFSKY, JOY, KOFFMAN, PINGREE, RICHARDSON, STRIMLING
Amends: 24-A MRSA §2607-B, 24-A MRSA §2805-B, 24-A MRSA §3008

Legislative Document 
No. 388 
H.P.304 
House of Representatives, January 26,2007 
An Act Concerning Insurance for Churches and Nonprofit 
Organizations 
Reference to the Committee on Insurance and Financial Services suggested and ordered 
printed. 
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117.1J7t1£~ 
MILLICENT M. MacFARLAND 
Clerk 
Presented by Representative KNIGHT of Livermore Falls. 
Cosponsored by Senator SNOWE-MELLO of Androscoggin and 
Representatives: GERZOFSKY of Brunswick, JOY of Crystal, KOFFMAN of Bar Harbor, 
MacDONALD of Boothbay, McKANE of Newcastle, PINGREE of North Haven, 
RICHARDSON of Warren, Senator: STRIMLING of Cumberland. 
Printed on recycled p.tper 
Be it enacted by the People of the State of Maine as follows: 
Sec. 1. 24-A MRSA §2607-B is enacted to read: 
§2607-B. Church and nonprofit organization groups 
A group of individuals may be insured under a policy issued to a church or nonprofit 
organization, which is deemed to be the policyholder, to insure members of that church or 
nonprofit organization. The policy is subject to the provisions of this section. 
1. Eligibility. To be eligible for insurance under the policy a group of individuals 
must be members of the church or nonprofit organization, employees thereof or 
employees of members or one or more of the preceding or all of any class or classes 
thereof for the benefit of persons other than the employees. 
2. Premiums. The premium for the policy must be paid from funds of the church or 
nonprofit organization or from funds contributed by the insured members specifically for 
their insurance or from both. Except as provided in subsection 3, a policy on which no 
part of the premium is to be derived from funds contributed by the insured members 
specifically for their insurance must insure all eligible members, except those who reject 
such coverage in writing. 
3. Evidence of insurability. An insurer may exclude or limit the coverage on any 
person as to whom evidence of individual insurability is not satisfactory to the insurer. 
Sec. 2. 24-A MRSA §2805-B is enacted to read: 
§2805-B. Church and nonprofit organization groups 
A group of individuals may be insured under a policy issued to a church or nonprofit 
organization, which is deemed to be the policyholder, to insure members of that church or 
nonprofit organization. The policy is subject to the provisions of this section. 
1. Eligibility. To be eligible for insurance under the policy a group of individuals 
must be members of the church or nonprofit organization, employees thereof or 
employees of members or one or more of the preceding or all of any class or classes 
thereof for the benefit of persons other than the employees. 
2. Premiums. The premium for the policy must be paid from funds of the church or 
nonprofit organization or from funds contributed by the insured members specifically for 
their insurance or from both. Except as provided in subsection 3, a policy on which no 
part of the premium is to be derived from funds contributed by the insured members 
specifically for their insurance must insure all eligible members, except those who reject 
such coverage in writing. 
3. Evidence of insurability. Except as provided in section 2736-C, section 2808-B 
and chapter 36, an insurer may exclude or limit the coverage on any person as to whom 
evidence of individual insurability is not satisfactory to the insurer. 
Sec. 3. 24-A MRSA §3008 is enacted to read: 
§3008. Church and nonprofit organization groups 
A group of individuals may be insured under a policy issued to a church or nonprofit 
organization, which is deemed to be the policyholder, to insure members of that church or 
nonprofit organization. The policy is subject to the piOvisions of this section. 
1. Eligibility. To be eligible for insurance under the policy a group of individuals 
must be members of the church or nonprofit organization, employees thereof or 
employees of members or one or more of the preceding or all of any class or classes 
thereof for the benefit of persons other than the employees. 
2. Premiums. The premium for the policy must be paid from funds of the church or 
nonprofit organization or from funds contributed by the insured members specifically for 
their insurance or from both. Except as provided in subsection 3, a policy on which no 
part of the premium is to be derived from funds contributed by the insured members 
specifically for their insurance must insure all eligible members, except those who reject 
such coverage in writing. 
3. Evidence of insurability. An insurer may exclude or limit the coverage on any 
person as to whom evidence of individual insurability is not satisfactory to the insurer. 
SUMMARY 
This bill allows members of a church or nonprofit organization to qualify as a group 
for the purposes of purchasing insurance.