Insurance: life; reference to "colored" persons; eliminate, the official text

Act
No. 46

Public
Acts of 2025

Approved
by the Governor

December
23, 2025

Filed
with the Secretary of State

December
23, 2025

EFFECTIVE
DATE:  Sine Die

(91st day after final adjournment of the 2025 Regular Session)

state of michigan

103rd Legislature

Regular session of 2025

Introduced by Reps. B. Carter and Fitzgerald

ENROLLED HOUSE BILL No. 4666

AN ACT to amend 1956 PA 218,
entitled “An act to revise, consolidate, and classify the laws relating to the
insurance and surety business; to regulate the incorporation or formation of
domestic insurance and surety companies and associations and the admission of
foreign and alien companies and associations; to provide their rights, powers,
and immunities and to prescribe the conditions on which companies and
associations organized, existing, or authorized under this act may exercise
their powers; to provide the rights, powers, and immunities and to prescribe
the conditions on which other persons, firms, corporations, associations, risk
retention groups, and purchasing groups engaged in an insurance or surety
business may exercise their powers; to provide for the imposition of a
privilege fee on domestic insurance companies and associations and the state
accident fund; to provide for the imposition of a tax on the business of
foreign and alien companies and associations; to provide for the imposition of
a tax on risk retention groups and purchasing groups; to provide for the
imposition of a tax on the business of surplus line agents; to provide for the
imposition of regulatory fees on certain insurers; to provide for assessment
fees on certain health maintenance organizations; to modify tort liability
arising out of certain accidents; to provide for limited actions with respect
to that modified tort liability and to prescribe certain procedures for
maintaining those actions; to require security for losses arising out of
certain accidents; to provide for the continued availability and affordability of
automobile insurance and homeowners insurance in this state and to facilitate
the purchase of that insurance by all residents of this state at fair and
reasonable rates; to provide for certain reporting with respect to insurance
and with respect to certain claims against uninsured or self-insured persons;
to prescribe duties for certain state departments and officers with respect to
that reporting; to provide for certain assessments; to establish and continue
certain state insurance funds; to modify and clarify the status, rights,
powers, duties, and operations of the nonprofit malpractice insurance fund; to
provide for the departmental supervision and regulation of the insurance and
surety business within this state; to provide for regulation over worker’s
compensation self-insurers; to provide for the conservation, rehabilitation, or
liquidation of unsound or insolvent insurers; to provide for the protection of
policyholders, claimants, and creditors of unsound or insolvent insurers; to
provide for associations of insurers to protect policyholders and claimants in
the event of insurer insolvencies; to prescribe educational requirements for
insurance agents and solicitors; to provide for the regulation of multiple
employer welfare arrangements; to create an automobile theft prevention
authority to reduce the number of automobile thefts in this state; to prescribe
the powers and duties of the automobile theft prevention authority; to provide
certain powers and duties upon certain officials, departments, and authorities
of this state; to provide for an appropriation; to repeal acts and parts of
acts; and to provide penalties for the violation of this act,” by amending
section 2082 (MCL 500.2082).

The People of the State of
Michigan enact:

Sec. 2082. (1) A
life insurer doing business in this state shall not
make any distinction or discrimination between individuals
based on race or color as to the premiums or rates charged for policies on the lives of those
individuals, or in any other manner. A life insurer doing
business in this state shall not demand or require a greater premium
from an individual based on that individual’s race or
color. A life insurer doing business in this state shall not make or
require a rebate, diminution, or discount on the
amount to be paid on a life insurance policy based on an individual’s race or color or insert in
the policy a condition, or make a stipulation
by which the insured individual
binds the individual or the individual’s heirs,
personal representatives, and assigns to
accept an amount less than the full amount or
value of the policy for
a claim accruing because of the death
of the insured
individual, based on the individual’s race or color, and any such stipulation or condition so
made or inserted is void.

(2) An insurer that violates this
section is subject to a civil fine of $1,000.00 for
each violation, to be recovered by the attorney general by appropriate action
in a court,
and a judgment from
the action may be collected in the same manner as is provided for
collecting judgments rendered in favor of policyholders. An officer or agent who violates this section is guilty of a misdemeanor
punishable by imprisonment in the county jail for
not more than 1 year, a fine of not
less than $500.00 and not more than $1,000.00, or both.

Clerk of the House of
Representatives

Secretary of the Senate

Approved___________________________________________

____________________________________________________

Governor