,i #aaf? ,,congress #a/ ,session ,h4 ,r4 #ahcb ,,9 ,,! ,,h\se ,,( ,,repres5tatives ,m>* #ah1 #bjai ,mr4 ,pappas 7= himself1 ,mr4 ,k+ ( ,new ,york1 ,mr4 ,trone1 ,mr4 ,rose ( ,new ,york1 ,ms4 ,dean1 ,ms4 ,spei]1 & ,mr4 ,cox ( ,cali=nia7 introduc$ ! foll[+ bill2 :i* 0 ref]r$ to ! ,committee on ,f9ancial ,s]vices ,a ,,bill ,to e/abli% m9imum /&>ds relat+ to a factor = life insurance eligibility & rates1 & = o!r purposes4 #a4 ,%ort title ,?is ,act may be cit$ z ! ,insurance ,fairness = ,fir/ ,respond]s ,act ( #bjai4 #b4 ,fairness = life insurance pur*as]s ,title ,v ( ! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act 7#ae ,u4,s4,c4 #hbja et seq47 is am5d$ by add+ at ! end ! foll[+ new subtitle3 ,c ,fairness = life insurance pur*as]s #eea4 ,prohibition aga9/ discrim9ation 9 life insurance policies bas$ on possession ( naloxone 7a7 ,9 g5]al ,x %all be unlawful = any insur] to d5y any p]son life insurance1 or to o!rwise discrim9ate 9 ! issuance1 cancellation1 am\nt ( cov]age1 or conditions ( life insurance1 bas$ ^u ! lawful possession by su* p]son ( naloxone pursuant to a /&+ ord] = ! disp5s+ ( naloxone to a heal? c>e pr(essional or fir/ respond] issu$ by an ag5cy ( a ,/ate or unit ( g5]al local gov]nm5t4 7b7 ,insurance rates ,x %all be unlawful = any insur] to *>ge rates = life insurance :i* are excessive or unfairly discrim9atory 9 relation to ! actu>ial risk associat$ ) ! lawful possession by su* p]son ( naloxone pursuant to a /&+ ord] = ! disp5s+ ( naloxone to a heal? c>e pr(essional or fir/ respond] issu$ by an ag5cy ( a ,/ate or unit ( g5]al local gov]nm5t4 #eeb4 ,adm9i/rative en=cem5t 7a7 ,/ate en=cem5t ,9 addition to su* o!r rem$ies z are provid$ "u ,/ate law1 ! *ief law en=cem5t (fic] ( a ,/ate1 or an (ficial or ag5cy designat$ by a ,/ate1 may br+ an action to enjo9 any p]son :o has violat$ or is violat+ ?is subtitle4 7b7 ,en=cem5t by ,secret>y ,! ,secret>y ( ! ,treasury %all en=ce ?is subtitle 9 any ,/ate t ! ,secret>y det]m9es does n h a comp>able ,/ate law or a law t ! ,secret>y has det]m9$ is n inconsi/5t "u section #eec4 #eec4 ,effect on ,/ate laws 7a7 ,9 g5]al ,?is subtitle does n annul1 alt]1 or affect1 or exempt any insur] subject to ! provisions ( ?is subtitle f comply+ ) ! laws ( any ,/ate ) respect to ! use ( lawful possession by su* p]son ( naloxone pursuant to a /&+ ord] = ! disp5s+ ( naloxone to a heal? c>e pr(essional or fir/ respond] issu$ by an ag5cy ( a ,/ate or unit ( g5]al local gov]nm5t = ! purposes ( und]writ+ or rat+ life insurance except to ! ext5t t su* laws are inconsi/5t ) any provision ( ?is subtitle & !n only to ! ext5t ( ! inconsi/5cy4 ,! ,secret>y may det]m9e :e!r su* inconsi/5cies exi/4 ,! ,secret>y may n det]m9e t any ,/ate law is inconsi/5t ) any provision ( ?is subtitle if ! ,secret>y det]m9es t su* law gives great] protection to ! insur$4 7b7 ,/ate exemptions ,! ,secret>y %all1 by regulation1 exempt f ! requirem5ts ( ?is subtitle any class ( insurance transactions )9 any ,/ate if ! ,secret>y det]m9es t "u ! law ( t ,/ate t class ( transaction is subject to requirem5ts sub/antially simil> to ^? impos$ "u ?is subtitle or t su* law gives great] protection to ! consum]1 & t !re is adequate provision = en=cem5t4 #eed4 ,def9itions ,= purposes ( ?is subtitle1 ! foll[+ def9itions %all apply3 7#a7 ,fir/ respond] ,! t]m fir/ respond] means an individual s]v+ a ,f$]al1 ,/ate1 or local gov]nm5tal or nongov]nm5tal ag5cy 9 an (ficial capacity1 ) or )\t comp5sation1 z a law en=cem5t or public safety (fic]1 firefight]1 em]g5cy rescue or response team memb]1 em]g5cy m$ical s]vice provid] or p>am$ic1 or rescue squad or ambulance crew memb]4 7#b7 ,heal? c>e pr(essional ,! t]m heal? c>e pr(essional means1 ) respect to ! provision ( heal? c>e items & s]vices 9 a ,/ate1 an individual :o is lic5s$ or o!rwise legally au?oriz$ to provide su* items & s]vices 9 su* ,/ate4 7#c7 ,insur] ,! t]m insur] means any entity1 includ+ any affiliate !re(1 t is lic5s$ or admitt$ to engage 9 ! bus9ess ( provid+ life insurance 9 any ,/ate4 7#d7 ,insur$ ,! t]m insur$ means any natural p]son :o pur*ases1 or attempts to pur*ase1 life insurance4 7#e7 ,life insurance 7,a7 ,9 g5]al ,! t]m life insurance means insurance = :i* ! probabilities ( ! duration ( human life or ! rate ( mortality are an elem5t or condition ( insurance4 7,b7 ,includ$ insurance ,su* t]m includes ! grant+ (-- 7i7 end[m5t b5efits2 7ii7 additional b5efits 9 ! ev5t ( dea? by accid5t or accid5tal means2 7iii7 disability income b5efits2 7iv7 additional disability b5efits t op]ate to safegu>d ! contract f lapse or to provide a special surr5d] value1 or special b5efit 9 ! ev5t ( total & p]man5t disability2 7v7 b5efits t provide paym5t or reimbursem5t = long-t]m home heal? c>e1 or long-t]m c>e 9 a nurs+ home or o!r relat$ facility2 7vi7 burial insurance2 & 7vii7 optional modes ( settlem5t ( proce$s ( life insurance4 7,c7 ,exclusions ,su* t]m does n include prop]ty & casualty insurance1 heal? insurance or work]s comp5sation insurance4 7#f7 ,secret>y ,! t]m ,secret>y means ! ,secret>y ( ! ,treasury4 #eee4 ,regulations ,! ,secret>y %all issue regulations to c>ry out ! purposes ( ?is subtitle4 #eef4 ,applicability ,?is subtitle %all apply to any policy = life insurance cov]age issu$1 r5ew$1 alt]$1 or modifi$ or cancel$ aft] ! expiration ( ! #f-mon? p]iod beg9n+ on ! date ( ! enactm5t ( ?is subtitle4 4 #c4 ,tim+ ( regulations ,! ,secret>y ( ! ,treasury %all issue ! regulations requir$ by section #eee ( ! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act1 z add$ by section #b ( ?is ,act1 n lat] ?an ! expiration ( ! #f-mon? p]iod beg9n+ on ! date ( ! enactm5t ( ?is ,act4 #d4 ,cl]ical am5dm5t ,! table ( cont5ts 9 section #a7;b7 ( ! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act 7#ab ,u4,s4,c4 #ecja note7 is am5d$ by add+ at ! end ! foll[+ new items3 ,subtitle ,c--,fairness = life insurance pur*as]s ,sec4 #eea4 ,prohibition aga9/ discrim9ation 9 life insurance policies bas$ on possession ( naloxone4 ,sec4 #eeb4 ,adm9i/rative en=cem5t4 ,sec4 #eec4 ,effect on ,/ate laws4 ,sec4 #eed4 ,def9itions4 ,sec4 #eee4 ,regulations4 ,sec4 #eef4 ,applicability4 4