Fla. Stat. 626.97075
Life insurance, disability insurance, and long-term care insurance; discrimination against living organ donors prohibited

(1)

As used in this section, the term “policy” means any of the following:An individual or group life insurance policy.An industrial life insurance policy, as the term “industrial life insurance” is defined in s. 627.502(1).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.A long-term care insurance policy, as defined in s. 627.9404(1).

(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:Decline or limit coverage of a person solely due to his or her status as a living organ donor;Preclude an insured from donating all or part of an organ as a condition to continuing to receive coverage under the policy; orOtherwise 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.

(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: Section 626.97075 — Life insurance, disability insurance, and long-term care insurance; discrimination against living organ donors prohibited, https://www.­flsenate.­gov/Laws/Statutes/2024/0626.­97075 (accessed Aug. 7, 2025).

626.99
Life insurance solicitation 626.951
Declaration of purpose 626.973
Fictitious groups 626.989
Investigation by department or Division of Investigative and Forensic Services 626.9511
Definitions 626.9521
Unfair methods of competition and unfair or deceptive acts or practices prohibited 626.9531
Identification of insurers, agents, and insurance contracts 626.9541
Unfair methods of competition and unfair or deceptive acts or practices defined 626.9543
Holocaust victims 626.9545
Improper charge identification incentive program 626.9551
Favored agent or insurer 626.9561
Power of department and office 626.9571
Defined practices 626.9581
Cease and desist and penalty orders 626.9591
Appeals from the department or office 626.9601
Penalty for violation of cease and desist orders 626.9611
Rules 626.9621
Provisions of part additional to existing law 626.9631
Civil liability 626.9641
Policyholders, bill of rights 626.9651
Privacy 626.9701
Rate increases and premium surcharges 626.9702
Illegal dealings in premiums 626.9705
Life or disability insurance 626.9706
Life insurance 626.9707
Disability insurance 626.9741
Use of credit reports and credit scores by insurers 626.9743
Claim settlement practices relating to motor vehicle insurance 626.9744
Claim settlement practices relating to property insurance 626.9885
Financial institutions conducting insurance transactions 626.9891
Insurer anti-fraud investigative units 626.9892
Anti-Fraud Reward Program 626.9893
Disposition of revenues 626.9894
Gifts and grants 626.9896
Dedicated insurance fraud prosecutors 626.97075
Life insurance, disability insurance, and long-term care insurance

Current through Fall 2025

§ 626.97075. Life insurance, disability insurance, & long-term care insurance; discrimination against living organ donors prohibited's source at flsenate​.gov