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A BILL TO BE ENTITLED
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AN ACT
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relating to prohibited insurance discrimination on the basis of an |
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insured's marital status following the death of the insured's |
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spouse. |
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BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS: |
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SECTION 1. Section 544.002, Insurance Code, is amended by |
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adding Subsection (d) to read as follows: |
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(d) Notwithstanding Section 544.003, an insurer may not: |
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(1) refuse to continue to insure or provide coverage |
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to an individual or limit the amount, extent, or kind of coverage |
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available to an individual because the individual is widowed or the |
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individual's marital status otherwise reflects the death of a |
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spouse; or |
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(2) charge an individual who is widowed or whose |
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marital status otherwise reflects the death of a spouse a rate that |
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is different from the rate that would be charged if the individual's |
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marital status was married. |
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SECTION 2. The change in law made by this Act does not apply |
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to an insurance policy that is delivered, issued for delivery, or |
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renewed before the effective date of this Act. An insurance policy |
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that is delivered, issued for delivery, or renewed before the |
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effective date of this Act is governed by the law as it existed |
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immediately before the effective date of this Act, and that law is |
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continued in effect for that purpose. |
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SECTION 3. This Act takes effect September 1, 2025. |