Unfair Discrimination Against Subjects of Abuse in Life Insurance Model Act
Edition and licensing notes
Publisher. National Association of Insurance Commissioners (NAIC)
Edition. Model #896, NAIC Model Laws, Regulations, Guidelines and Other Resources - January 1999 (© 1999 NAIC), retrieved 2026-09-07
Status. NAIC model, © NAIC. Brief quotations under fair use; not the enacted law of any state until adopted.
What this document is
Unfair Discrimination Against Subjects of Abuse in Life Insurance Model Act 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.
- Section 3I
““Policy” or “certificate” means a contract of insurance or annuity, including endorsements, riders or binders issued, proposed for issuance, or intended for issuance by an insurer or insurance professional.”
- Section 4E
“Subsection B does not preclude a subject of abuse from obtaining his or her insurance records.”
- Section 4F
“Subsection A does not prohibit a life insurer or insurance professional from declining to issue a life insurance policy if the applicant or prospective owner of the policy is or would be designated as a beneficiary of the policy, and if: (1) The applicant or prospective owner of the policy lacks an...”
- Section 4H
“A life insurer or insurance professional shall not be held civilly or criminally liable for the death of or injury to an insured resulting from any action taken in a good faith effort to comply with the requirements of this Act. However, this subsection does not prevent an action to investigate or...”
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