A new Arizona law may affect how life insurers in the state do business with a consumer who has donated a kidney or another organ to another person.

The new legislation— an amendment to the state Unfair Insurance Practices law — applies to any state resident who donates an organ to another living person.

The new law prohibits a carrier from denying coverage to a living organ donor, or discriminating unfairly against a living donor in other ways, without actuarial justification.

Under the terms of the new law, “an insurer that offers life, disability or long-term care insurance contracts may not unfairly discriminate against a living organ donor in the offering, issuance, price or conditions of an insurance policy based solely, and without additional actuarial risks, on that person’s status as a living organ donor.”

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