New Jersey Administrative Code
Title 11 - INSURANCE
Chapter 4 - ACTUARIAL SERVICES
Subchapter 48 - UNFAIR DISCRIMINATION
Section 11:4-48.5 - Non-smoker only coverage
Universal Citation: NJ Admin Code 11:4-48.5
Current through Register Vol. 56, No. 6, March
18, 2024
The Department shall not approve life insurance policy forms intended for sale to non-smokers. Insurers may decline or not offer insurance to smokers if underwriting considerations based on mortality risk exposure would result in such smokers being ineligible. Insurers shall not decline or refuse to offer insurance to smokers if non-smokers having elevated mortality at least equal to that of smokers are accepted.
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