Life Insurance and Foreign Travel for Florida Residents

Life insurance and foreign travel for Florida residents changed in 2008 when the Florida Legislature passed the Freedom to Travel Act in 2006 and subsequently, The Financial Services Commission finalized Rule 690-125.003 in November of 2007. Florida law allows life insurance companies to only utilize foreign travel information in the underwriting of life insurance applications if the company can demonstrate travelers to a specific destination constitute.

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Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites.

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UPDATED: Oct 28, 2020

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The Florida Office of Insurance Regulation has issued its 2008 Freedom to Travel Report. The report details the Office’s efforts to implement the Freedom to Travel Act, which was passed in 2006. The legislation limits the ability of life insurance companies to deny coverage or increase premiums for Florida applicants based upon their foreign travel history or plans.

The report states that seven life insurance companies were fined a total of $108,000 in 2007 for violations of the Freedom to Travel Act.

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