HB 1122 — An Act amending the act of July 22, 1974 (P.L.589, No.205), known as the Unfair Insurance Practices Act, further providing for unfair methods of competition and unfair or deceptive acts or practices defined.

PRINTER'S NO.     1250

                     THE GENERAL ASSEMBLY OF PENNSYLVANIA



                         HOUSE BILL
                         No. 1122
                                               Session of
                                                 2025

     INTRODUCED BY KINKEAD, GREEN, SANCHEZ, GIRAL, HILL-EVANS,
        CEPEDA-FREYTIZ, D. WILLIAMS, K.HARRIS, HOHENSTEIN, WAXMAN AND
        McANDREW, APRIL 3, 2025

     REFERRED TO COMMITTEE ON INSURANCE, APRIL 3, 2025


                                    AN ACT
 1   Amending the act of July 22, 1974 (P.L.589, No.205), entitled
 2      "An act relating to unfair insurance practices; prohibiting
 3      unfair methods of competition and unfair or deceptive acts
 4      and practices; and prescribing remedies and penalties,"
 5      further providing for unfair methods of competition and
 6      unfair or deceptive acts or practices defined.
 7      The General Assembly of the Commonwealth of Pennsylvania
 8   hereby enacts as follows:
 9      Section 1.    Section 5(a)(7) of the act of July 22, 1974
10   (P.L.589, No.205), known as the Unfair Insurance Practices Act,
11   is amended to read:
12      Section 5.    Unfair Methods of Competition and Unfair or
13   Deceptive Acts or Practices Defined.--(a)    "Unfair methods of
14   competition" and "unfair or deceptive acts or practices" in the
15   business of insurance means:
16      * * *
17      (7)   Unfairly discriminating by means of:
18      (i)   making or permitting any unfair discrimination between
19   individuals of the same class and equal expectation of life in
 1   the rates charged for any contract of life insurance or of life
 2   annuity or in the dividends or other benefits payable thereon,
 3   or in any other of the terms and conditions of such contract;
 4   [or]
 5      (ii)    making or permitting any unfair discrimination between
 6   individuals of the same class and of essentially the same hazard
 7   in the amount of premium, policy, fees or rates charged for any
 8   policy or contract of insurance or in the benefits payable
 9   thereunder, or in any of the terms or conditions of such
10   contract, or in any other manner whatever; [or]
11      (iii)   making or permitting any unfair discrimination between
12   individuals of the same class and essentially the same hazard
13   with regard to underwriting standards and practices or
14   eligibility requirements by reason of race, religion,
15   nationality or ethnic group, age, sex, family size, occupation,
16   place of residence or marital status. The terms "underwriting
17   standards and practices" or "eligibility rules" do not include
18   the promulgation of rates if made or promulgated in accordance
19   with the appropriate Rate Regulatory Act of this Commonwealth
20   and regulations promulgated by the commissioner pursuant to such
21   act[.];
22      (iv)    refusing to issue a suretyship guaranteeing the
23   fidelity of an individual holding a place of public or private
24   trust by reason of the criminal history record of the
25   individual; or
26      (v)    making or permitting any unfair discrimination between
27   persons of the same class in the amount of premiums, fees or
28   rates charged for a policy or contract of insurance, in any of
29   the other terms or conditions of a policy or contract of
30   insurance or in any other manner solely by reason of the

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1   criminal history record of an individual employed by a person.
2      * * *
3      Section 2.   This act shall take effect in 60 days.




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