,i  #aafth ,,congress  #ast ,session    
,h4 ,r4 #ahcb  ,,in ,,the ,,house ,,of  
,,representatives  ,march #ah1 #bjai    
,mr4 ,pappas 7for himself1 ,mr4 ,king of
 ,new ,york1 ,mr4 ,trone1 ,mr4 ,rose of 
,new ,york1 ,ms4 ,dean1 ,ms4 ,speier1   
and ,mr4 ,cox of ,california7 introduced
 the following bill2 which was referred 
to the ,committee on ,financial         
,services  ,a ,,bill  ,to establish     
minimum standards relating to a factor  
for life insurance eligibility and      
rates1 and for other purposes4  #a4     
,short title ,this ,act may be cited as 
the ,insurance ,fairness for ,first     
,responders ,act of #bjai4  #b4         
,fairness for life insurance purchasers 
,title ,v of the ,dodd-,frank ,wall     
,street ,reform and ,consumer           
,protection ,act 7#ae ,u4,s4,c4 #hbja et
 seq47 is amended by adding at the end  
the following new subtitle3  ,c         
,fairness for life insurance purchasers 
#eea4 ,prohibition against              
discrimination in life insurance        

policies based on possession of naloxone
  7a7 ,in general ,it shall be unlawful 
for any insurer to deny any person life 
insurance1 or to otherwise discriminate 
in the issuance1 cancellation1 amount of
 coverage1 or conditions of life        
insurance1 based upon 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 government4  7b7          
,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 actuarial 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         
government4  #eeb4 ,administrative      

enforcement  7a7 ,state enforcement ,in 
addition to such other remedies as are  
provided under ,state law1 the chief law
 enforcement officer of a ,state1 or an 
official or agency designated by a      
,state1 may bring an action to enjoin   
any person who has violated or is       
violating this subtitle4  7b7           
,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 #eec4  #eec4 
,effect on ,state laws  7a7 ,in general 
,this subtitle does not annul1 alter1 or
 affect1 or exempt any insurer subject  
to the provisions 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 inconsistency4    
,the ,secretary may determine whether   
such inconsistencies exist4 ,the        
,secretary may not determine that any   
,state law is inconsistent with any     
provision of this subtitle if the       
,secretary determines that such law     
gives greater protection to the insured4
  7b7 ,state exemptions ,the ,secretary 
shall1 by regulation1 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 substantially similar to   
those imposed under this subtitle or    
that such law gives greater protection  
to the consumer1 and that there is      

adequate provision for enforcement4     
#eed4 ,definitions ,for purposes of this
 subtitle1 the following definitions    
shall apply3 7#a7 ,first responder ,the 
term first responder means an individual
 serving a ,federal1 ,state1 or local   
governmental or nongovernmental agency  
in an official capacity1 with or without
 compensation1 as a law enforcement or  
public safety officer1 firefighter1     
emergency rescue or response team       
member1 emergency medical service       
provider or paramedic1 or rescue squad  
or ambulance crew member4  7#b7 ,health 
care professional ,the term health care 
professional means1 with respect to the 
provision of health care items and      
services in a ,state1 an individual who 
is licensed or otherwise legally        
authorized to provide such items and    
services in such ,state4  7#c7 ,insurer 
,the term insurer means any entity1     
including any affiliate thereof1 that is
 licensed or admitted to engage in the  
business of providing life insurance in 

any ,state4  7#d7 ,insured ,the term    
insured means any natural person who    
purchases1 or attempts to purchase1 life
 insurance4  7#e7 ,life insurance  7,a7 
,in general ,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 insurance4  7,b7
 ,included insurance ,such term includes
 the granting of-- 7i7 endowment        
benefits2  7ii7 additional benefits in  
the event of death by accident or       
accidental means2  7iii7 disability     
income benefits2  7iv7 additional       
disability benefits that operate to     
safeguard the contract from lapse or to 
provide a special surrender value1 or   
special benefit in the event of total   
and permanent disability2  7v7 benefits 
that provide payment or reimbursement   
for long-term home health care1 or      
long-term care in a nursing home or     
other related facility2  7vi7 burial    
insurance2 and  7vii7 optional modes of 

settlement of proceeds of life          
insurance4  7,c7 ,exclusions ,such term 
does not include property and casualty  
insurance1 health insurance or workers  
compensation insurance4  7#f7 ,secretary
 ,the term ,secretary means the         
,secretary of the ,treasury4  #eee4     
,regulations ,the ,secretary shall issue
 regulations to carry out the purposes  
of this subtitle4  #eef4 ,applicability 
,this subtitle shall apply to any policy
 for life insurance coverage issued1    
renewed1 altered1 or modified or        
canceled after the expiration of the    
#f-month period beginning on the date of
 the enactment of this subtitle4  4  #c4
 ,timing of regulations ,the ,secretary 
of the ,treasury shall issue the        
regulations required by section #eee of 
the ,dodd-,frank ,wall ,street ,reform  
and ,consumer ,protection ,act1 as added
 by section #b of this ,act1 not later  
than the expiration of the #f-month     
period beginning on the date of the     
enactment of this ,act4  #d4 ,clerical  

amendment ,the table of contents in     
section #a7;b7 of the ,dodd-,frank ,wall
 ,street ,reform and ,consumer          
,protection ,act 7#ab ,u4,s4,c4 #ecja   
note7 is amended by adding at the end   
the following new items3  ,subtitle     
,c--,fairness for life insurance        
purchasers ,sec4 #eea4 ,prohibition     
against discrimination in life insurance
 policies based on possession of        
naloxone4 ,sec4 #eeb4 ,administrative   
enforcement4 ,sec4 #eec4 ,effect on     
,state laws4 ,sec4 #eed4 ,definitions4  
,sec4 #eee4 ,regulations4 ,sec4 #eef4   
,applicability4  4