[Congressional Bills 108th Congress]
[From the U.S. Government Publishing Office]
[H.R. 3927 Introduced in House (IH)]






108th CONGRESS
  2d Session
                                H. R. 3927

 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

                             March 10, 2004

 Mr. Emanuel (for himself, Mr. Frank of Massachusetts, Mr. Weiner, Mr. 
 Deutsch, Mr. Waxman, Mr. Lantos, Mr. Engel, Mr. Ackerman, Mr. Israel, 
  Mr. Berman, Mrs. McCarthy of New York, Mr. Michaud, Mr. Nadler, Ms. 
  Schakowsky, Mr. Cardin, Mrs. Lowey, and Mr. Wexler) 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.

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

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Life Insurance Anti-Discrimination 
in Travel Act''.

SEC. 2. PROHIBITION OF DISCRIMINATION BASED ON PREVIOUS LAWFUL TRAVEL 
              EXPERIENCES.

    (a) In General.--It shall be unlawful to deny any person life 
insurance coverage, or to make any distinction or otherwise 
discriminate in the issuance, cancellation, terms (including premium 
rates), or conditions of life insurance coverage, based upon the past 
lawful travel experiences of such person.
    (b) Definition.--
            (1) In general.--For purposes of this Act, the term ``life 
        insurance'' means insurance for which the probabilities of the 
        duration of human life or the rate of mortality are an element 
        or condition of insurance.
            (2) Included insurance.--Such term includes the granting 
        of--
                    (A) endowment benefits;
                    (B) additional benefits in the event of death by 
                accident or accidental means;
                    (C) disability income benefits;
                    (D) additional disability benefits that operate to 
                safeguard the contract from lapse or to provide a 
                special surrender value, or special benefit in the 
                event of total and permanent disability;
                    (E) benefits that provide payment or reimbursement 
                for long-term home health care, or long-term care in a 
                nursing home or other related facility;
                    (F) burial insurance; and
                    (G) optional modes of settlement of proceeds of 
                life insurance.
            (3) Exclusions.--Such term does not include property and 
        casualty insurance, health insurance (except as otherwise 
        provided in paragraph (2)), or workers compensation insurance.

SEC. 3. ENFORCEMENT.

    A violation of this section constitutes an unfair method of 
competition and an unfair or deceptive act or practice under section 
5(a)(1) of the Federal Trade Commission Act (15 U.S.C. 45(a)(1)).

SEC. 4. EFFECTIVE DATE.

    This Act shall take effect upon the expiration of the 60-day period 
beginning on the date of the enactment of this Act and shall apply to 
any policy for life insurance coverage issued, renewed, altered, or 
modified after the expiration of such period.
                                 <all>