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

This bill (A 1366) prohibits life insurance companies in New Jersey from discriminating against individuals based on transgender status or gender identity. Specifically, it amends state law to ban insurers from denying coverage, charging higher rates, or refusing to renew policies due to: (1) transgender status or diagnosis of gender dysphoria, or (2) any mismatch between a person's gender identity and their sex assigned at birth or gender listed in their records. The bill directly affects transgender individuals seeking life insurance by requiring insurers to evaluate applicants solely on actuarial risk, not gender identity. It adds these protections to existing anti-discrimination law, making such discrimination illegal under New Jersey statute. The bill was introduced on January 13, 2026, and remains pending.