This bill aims to protect individuals who are living organ donors from discrimination by insurers regarding life, disability, or long-term care insurance policies. Specifically, it 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 these policies on whether the insured individual becomes a living organ donor and prohibits any form of discrimination in the terms of the insurance policies based on this status.

The bill introduces a new section to chapter 58-1, clearly defining the rights of living organ donors in relation to insurance coverage. It establishes that insurers cannot impose limitations or conditions that would disadvantage individuals solely due to their status as organ donors, ensuring that they have equal access to insurance products without facing additional actuarial risks.