This bill establishes protections for living organ donors in relation to life insurance, disability insurance, and long-term care insurance. It defines key terms such as "covered person," "insurer," and "living organ donor," with the latter being an individual who has donated all or part of an organ while still alive. The bill prohibits insurers from taking adverse actions based solely on an individual's status as a living organ donor, including declining or limiting coverage, precluding continued coverage based on the donor status, or discriminating in any policy conditions.

Additionally, the bill mandates that the commissioner of insurance adopt rules to effectively administer these provisions. This legislation aims to ensure that living organ donors are not unfairly treated by insurance companies, thereby promoting organ donation and supporting individuals who choose to donate.