An Act prohibiting discrimination in certain life insurance policies based on certain drugs.

This bill prohibits insurance companies from discriminating against individuals based on their use of specific drugs when underwriting, issuing, or renewing certain life insurance policies. The key provision expands the scope of protection to include the refusal to renew a policy, ensuring that coverage cannot be denied solely due to drug use. It directly affects insurance carriers and policyholders by mandating that decisions be based on factors other than the presence of certain substances. The legislation aims to create a more uniform standard for drug-related assessments in life insurance without advocating for a specific outcome.