Insurance Protections for Living Organ Donors

(a) This section may be cited as the Alabama Living Donor Protection Act. (b) For the purposes of this section, the following terms have the following meanings: (1) INSURER. Any entity that issues, delivers, or renews a policy. (2) LIVING ORGAN DONOR. An individual who donates all or part of an organ and is not deceased. (3) POLICY. Any of the following contracts: a. Disability insurance as defined in Section 27-5-4. b. Life insurance as defined in Section 27-5-2. c. Long-term care insurance as defined in Section 27-19-103. (c) An insurer may not: (1) Decline or limit coverage of an individual under any policy solely, and without any additional actuarial risk, due to the status of the individual as a living organ donor; (2) Require an individual to refrain from acting as a living organ donor as a condition for renewal of a policy; or (3) Otherwise discriminate in the offering, issuance, cancellation, amount of coverage, price, or any other condition of a policy based solely, and without any additional actuarial risk, upon the status of an individual as a living organ donor. (Act 2026-559, §1.)