Senate Bill No. 1238 aims to prohibit insurance discrimination based on an individual's marital status following the death of their spouse. The bill amends Section 544.002 of the Insurance Code by adding a new subsection that explicitly states insurers cannot refuse to continue coverage or limit the extent of coverage for individuals who are widowed. Additionally, it prohibits insurers from charging different rates for widowed individuals compared to those who are married.

The bill clarifies that these changes do not apply to insurance policies that are delivered, issued for delivery, or renewed before the effective date of the Act, which is set for September 1, 2025. This ensures that existing policies remain governed by the previous laws until they are renewed or issued anew after the effective date.

Statutes affected:
Introduced: Insurance Code 544.002 (Insurance Code 544)