BILL NUMBER: SB 1105	CHAPTERED  09/30/05

	CHAPTER  446
	FILED WITH SECRETARY OF STATE  SEPTEMBER 30, 2005
	APPROVED BY GOVERNOR  SEPTEMBER 30, 2005
	PASSED THE SENATE  AUGUST 29, 2005
	PASSED THE ASSEMBLY  AUGUST 18, 2005
	AMENDED IN ASSEMBLY  JULY 12, 2005
	AMENDED IN ASSEMBLY  JUNE 30, 2005

INTRODUCED BY   Senator Speier
   (Coauthor: Assembly Member Vargas)

                        MARCH 1, 2005

   An act to add Section 10111.7 to the Insurance Code, relating to
life insurance.


	LEGISLATIVE COUNSEL'S DIGEST


   SB 1105, Speier   Life insurance: travel.
   Existing law generally regulates life insurance.
   This bill would prohibit an insurer from taking specified actions
relating to issuing, renewing, or rating a life insurance policy
based solely upon the applicant's or insured's past or future lawful
travel destinations. The bill would allow an insurer to exclude or
limit coverage, or refuse to issue a policy, based upon lawful
travel, or charge a different rate, when that action is based upon
sound actuarial principles or is related to actual and reasonably
expected experience.


THE PEOPLE OF THE STATE OF CALIFORNIA DO ENACT AS FOLLOWS:


  SECTION 1.  Section 10111.7 is added to the Insurance Code, to
read:
   10111.7.  (a) An insurer shall not deny or refuse to accept an
application for life insurance, or refuse to insure, refuse to renew,
cancel, restrict, or otherwise terminate a policy of life insurance,
or charge a different rate for the same life insurance coverage,
based solely upon the applicant's or insured's past or future lawful
travel destinations.
   (b) Nothing in this section shall prohibit an insurer from
excluding or limiting coverage under a life insurance policy, or
refusing to offer life insurance, based upon lawful travel, or from
charging a different rate for that coverage, when that action is
based upon sound actuarial principles or is related to actual and
reasonably expected experience.