New Jersey A 1366: Concerns motor vehicle subscription services.

Bill Text

A1366 

ASSEMBLY, No. 1366 

STATE OF NEW JERSEY

222nd LEGISLATURE

� 

PRE-FILED FOR INTRODUCTION IN THE 2026 SESSION

Sponsored by:

Assemblywoman ELLEN J. PARK

District 37 (Bergen)

Assemblywoman ANNETTE QUIJANO

District 20 (Union)

SYNOPSIS

���� Prohibits unfair discrimination in issuing or rating 
life insurance policies based on transgender status or certain gender identity 
information.

CURRENT VERSION OF TEXT 

���� Introduced Pending Technical Review by Legislative 
Counsel.

�� 

An Act concerning life insurance policies and amending 
N.J.S.17B:30-12.

���� Be It 
Enacted by the Senate and General Assembly of 
the State of New Jersey:

���� 1.��� N.J.S.17B:30-12 is 
amended to read as follows:

���� 17B:30-12.��� a.�� No person 
shall discriminate against any person or group of persons because of race, 
creed, color, national origin or ancestry of such person or group of persons in 
the issuance, withholding, extension or renewal of any policy of life or health 
insurance or annuity or in the fixing of the rates, terms or conditions 
therefor, or in the issuance or acceptance of any application therefor.

���� b.��� No person shall use any 
form of policy of life or health insurance or contract of annuity which 
expresses, directly or indirectly, any limitation, or discrimination as to 
race, creed, color, national origin or ancestry or any intent to make any such 
limitation or discrimination.

���� c.���� No person shall make or 
permit any unfair discrimination between individuals of the same class and 
equal expectation of life in the rates charged for any policy of life insurance 
or contract of annuity or in the dividends or other benefits payable thereon, 
or in any other of the terms and conditions of such policy of life insurance or 
contract of annuity.

���� d.��� No person shall make or 
permit any unfair discrimination between individuals of the same class and of 
essentially the same hazard in the amount of premium, policy fees, or rates 
charged for any policy or contract of health insurance or in the benefits payable 
thereunder, or in any of the terms or conditions of such policy or contract, or 
in any other manner whatever.

���� e.���� (1)���� No person shall 
discriminate against any individual on the basis of genetic information or the 
refusal to submit to a genetic test or make available the results of a genetic 
test to the person in the issuance, withholding, extension or renewal of any 
hospital confinement or other supplemental limited benefit insurance, as 
defined by regulation of the commissioner, or in the fixing of the rates, terms 
or conditions therefor, or in the issuance or acceptance of any application 
therefor.

���� (2)�� As used in this 
subsection and subsection f. of this section:

���� "Genetic 
characteristic" means any inherited gene or chromosome, or alteration 
thereof, that is scientifically or medically believed to predispose an 
individual to a disease, disorder or syndrome, or to be associated with a 
statistically significant increased risk of development of a disease, disorder 
or syndrome.

���� "Genetic 
information" means the information about genes, gene products or inherited 
characteristics that may derive from an individual or family member.

���� "Genetic test" means 
a test for determining the presence or absence of an inherited genetic 
characteristic in an individual, including tests of nucleic acids such as DNA, 
RNA and mitochondrial DNA, chromosomes or proteins in order to identify a 
predisposing genetic characteristic.

���� f.���� No person shall make or 
permit any unfair discrimination against an individual in the application of 
the results of a genetic test or genetic information in the issuance, 
withholding, extension or renewal of a policy of life insurance, including 
credit life insurance, an annuity, disability income insurance contract or 
credit accident insurance coverage.� If the commissioner has reason to believe 
that such unfair discrimination has occurred, including that application of the 
results of a genetic test is not reasonably related to anticipated claim 
experience, and that a proceeding by the commissioner would be in the interest 
of the public, the commissioner shall, in accordance with the provisions of 
N.J.S.17B:30-1 et seq., issue and serve upon the insurer a statement of the 
charges.� Upon a determination that the practice or act of the insurer is in 
conflict with the provisions of this subsection, the commissioner shall issue 
an order requiring the insurer to cease and desist from engaging in the 
practice or act and may order payment of a penalty consistent with the 
provisions of N.J.S.17B:30-1 et seq.

���� If, in the issuance, 
withholding, extension or renewal of any policy of life insurance, including 
credit life insurance, an annuity, disability income insurance contract or 
credit accident insurance coverage, an insurer will use the results of a 
genetic test in compliance w