NAIC Model Regulation on Unfair Discrimination in Life and Health Insurance on the Basis of Physical or Mental Impairment (#887)
Edition and licensing notes
Publisher. National Association of Insurance Commissioners (NAIC)
Edition. Model #887, June 1979 (via content.naic.org), retrieved 2026-09-03
Status. NAIC model law; cited as the uniform national model (state adoption varies).
What this document is
NAIC Model Regulation on Unfair Discrimination in Life and Health Insurance on the Basis of Physical or Mental Impairment (#887) is a naic model law published by National Association of Insurance Commissioners (NAIC). It is one of the documents that insurance license exam questions are written from, including life & health practice questions. This page summarizes it and points to the official version, which is the text to rely on.
Sections cited in practice questions
Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.
- NAIC Model Regulation on Unfair Discrimination in Life and Health Insurance on the Basis of Physical or Mental Impairment (#887), Section 2
“Section 2. Purpose The purpose of this regulation is to identify specific acts or practices in life and health insurance which are prohibited by Section 4G(1) and (2) of the Unfair Trade Practices Act cited in Section 1 of this regulation.”
- NAIC Model Regulation on Unfair Discrimination in Life and Health Insurance on the Basis of Physical or Mental Impairment (#887), Section 3
“Section 3. Unfairly Discriminatory Acts or Practices The following are hereby identified as acts or practices in life and health insurance which constitute unfair discrimination between individuals of the same class: refusing to insure, or refusing to continue to insure, or limiting the amount,...”
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