The bill amends Kansas insurance laws to enhance consumer protection and address unfair practices within the insurance industry. It mandates that agents and insurers respond to inquiries from the commissioner of insurance within 14 calendar days and introduces provisions that prohibit discrimination against individuals based on their status as living organ donors or their history of domestic abuse. The bill clarifies that insurers cannot inquire about an applicant's domestic abuse history when applying for life or accident and health insurance. Additionally, it allows for the offering of value-added products or services in insurance contracts, provided they do not constitute unfair discrimination.

Moreover, the bill establishes stricter regulations for title insurance companies, prohibiting them from offering rebates or inducements and requiring disclosure of financial interests in transactions. It also outlines the criteria for evaluating the suitability of applicants for licensure after previous revocations and clarifies the commissioner’s authority to impose penalties and conduct disciplinary proceedings. The bill sets specific timelines for reapplying for licenses after denial or revocation and repeals certain sections of existing law to streamline the regulatory framework for insurance licensing. Overall, the bill aims to promote fair practices and accountability within the insurance industry.

Statutes affected:
As introduced: 40-2404, 40-4909
As Amended by House Committee: 40-2404, 40-4909