This bill aims to protect living organ donors from discrimination by insurers regarding life, disability, and long-term care insurance policies. It establishes a new section in chapter 58-1 that explicitly prohibits insurers from declining or limiting coverage based solely on an individual's status as a living organ donor. Additionally, the bill prevents insurers from conditioning the continuation of policies on whether an insured individual becomes a living organ donor and prohibits any form of discrimination in the terms of insurance policies based on this status.

The bill defines a "living organ donor" as an individual who has donated all or part of an organ and is not deceased. By implementing these provisions, the legislation seeks to ensure that living organ donors are treated fairly and equitably in the insurance market, thereby encouraging organ donation without the fear of losing insurance coverage.