N.J. Admin. Code § 11:4-48.5

Current through Register Vol. 56, No. 24, December 18, 2024

Section 11:4-48.5 - Non-smoker only coverage

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.

Recodified from N.J.A.C. 11:4-48.7 by R.2000 d.130, effective 3/20/2000.
See: 31 New Jersey Register 3910(a), 32 New Jersey Register 1024(a).
Former N.J.A.C. 11:4-48.6, Conversion credits, recodified to N.J.A.C 11:4-48.5.
Recodified from N.J.A.C. 11:4-48.6 by R.2003 d.54, effective 2/3/2003.
See: 34 New Jersey Register 3194(a), 35 New Jersey Register 618(a).
Former N.J.A.C. 11:4-48.5, Conversion credits, recodified to N.J.A.C. 11:4-48.4.