Life insurance, disability insurance, and long-term care insurance; discrimination against living organ donors prohibited.
F.S. 626.97075
in effect(1)
As used in this section, the term “policy” means any of the following:
(a)
An individual or group life insurance policy.
(b)
An industrial life insurance policy, as the term “industrial life insurance” is defined in s. 627.502(1).
(c)
A credit life insurance or credit disability insurance policy, as the terms “credit life insurance” and “credit disability insurance” are defined in s. 627.677(1) and (2), respectively.
(d)
A long-term care insurance policy, as defined in s. 627.9404(1).
(2)
Notwithstanding any other law, an insurer may not, under a policy:
(a)
Decline or limit coverage of a person solely due to his or her status as a living organ donor;
(b)
Preclude an insured from donating all or part of an organ as a condition to continuing to receive coverage under the policy; or
(c)
Otherwise discriminate in the offering, issuance, cancellation, coverage, premium, or any other condition of the policy for a person without any additional actuarial risk and based solely on his or her status as a living organ donor.
(3)
The commission may adopt rules and take actions necessary to enforce this section.
Source: FL Statutes (Official Site)URL: https://www.flsenate.gov/Laws/Statutes/2025/Chapter626/AllFetched: 7/8/2026