Assembly Bill A7689

2025-2026 Legislative Session

Prohibits insurers from cancelling life insurance policies where certain medical information is provided to the insurer at the time of application

download bill text pdf

Sponsored By

Current Bill Status - In Assembly Committee

  • Introduced
    • In Committee Assembly
    • In Committee Senate
    • On Floor Calendar Assembly
    • On Floor Calendar Senate
    • Passed Assembly
    • Passed Senate
  • Delivered to Governor
  • Signed By Governor

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2025-A7689 (ACTIVE) - Details

Current Committee:
Assembly Insurance
Law Section:
Insurance Law
Laws Affected:
Add §3246, Ins L
Versions Introduced in Other Legislative Sessions:
2009-2010: A3343
2011-2012: A1858
2013-2014: A5638
2015-2016: A6013
2017-2018: A2063
2019-2020: A4542
2021-2022: A3420
2023-2024: A5998

2025-A7689 (ACTIVE) - Summary

Prohibits insurers from cancelling life insurance policies based on a medical condition that was disclosed in the application for insurance.

2025-A7689 (ACTIVE) - Bill Text download pdf 

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   7689
 
                        2025-2026 Regular Sessions
 
                           I N  A S S E M B L Y
 
                               April 4, 2025
                                ___________
 
 Introduced  by  M.  of A. COOK, PEOPLES-STOKES, WEPRIN, DINOWITZ, SIMON,
   COLTON, BICHOTTE HERMELYN, EPSTEIN, HYNDMAN, TAYLOR,  REYES,  BUTTENS-
   CHON, WILLIAMS, JACKSON, LUNSFORD, LAVINE -- read once and referred to
   the Committee on Insurance
 
 AN  ACT  to  amend the insurance law, in relation to the cancellation of
   life insurance policies

   THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section  1.  The insurance law is amended by adding a new section 3246
 to read as follows:
   § 3246. CANCELLATION OF LIFE INSURANCE POLICIES.  NOTWITHSTANDING  ANY
 PROVISION OF LAW TO THE CONTRARY, ANY PERSON WHO MAKES APPLICATION FOR A
 POLICY  OF  LIFE  INSURANCE  ISSUED UNDER THE PROVISIONS OF THIS CHAPTER
 SHALL SUBMIT TO THE INSURER OR AN AGENT OF THE INSURER, AT THE  TIME  OF
 SUCH  APPLICATION,  A  STATEMENT  FROM  A PHYSICIAN LICENSED TO PRACTICE
 MEDICINE UNDER THE LAWS OF THIS STATE, OR THE MEDICAL  RECORDS  OF  SUCH
 PERSON, WHICH CONTAIN THE MEDICAL HISTORY OF SUCH PERSON. IF THE INSURER
 OR  SUCH  INSURER'S  AGENT  ACCEPTS AN APPLICATION FROM A PERSON WHO HAS
 PROVIDED SUCH A STATEMENT OR SUCH  MEDICAL  RECORDS,  THEN  THE  INSURER
 AND/OR  SUCH  INSURER'S  AGENT  SHALL  BE  PROHIBITED  FROM SUBSEQUENTLY
 REJECTING SUCH APPLICATION  OR  CANCELLING  ANY  POLICY  ISSUED  ON  THE
 GROUNDS  THAT  THE INSURED HAS A CERTAIN MEDICAL CONDITION PROVIDED THAT
 SUCH CONDITION WAS DISCLOSED IN THE STATEMENT OR MEDICAL RECORDS SUBMIT-
 TED.
   § 2. This act shall take effect immediately.
 
 
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD09347-01-5

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