It has been a while since we last blogged about this somewhat sensitive subject (sensitive to the life insurance industry anyway). In the meantime, the list of states that do not allow the use of foreign travel history or plans to be used in determining the eligibility of a life insurance applicant has grown to a total of ten. The list now includes the following states:
- New Jersey
These states do not allow life insurance companies to take adverse action based solely on the proposed insured’s past or future lawful travel. They do, however, allow life insurance companies to ask questions on their applications about such travel for the purpose of actuarial research. The lone exception is Florida, which does not allow any reference to foreign travel whatsoever on life insurance applications used in that state.