On June 2, 2008 the Members of the National Association of Insurance Commissioners (NAIC) announced guidelines that protect life insurance consumers from discriminatory underwriting practices concerning their future travel plans.
One of the hot issues in the past couple of years is the practice that some life insurance companies have employed to deny life insurance coverage to travelers who indicate that they plan to travel to certain country. Several states have already enacted laws that prohibit that practice but now the association that supports and represents insurance regulators, NCIA, has come out with guidelines by including this practice as an Unfair Trade Practice within their Model Act. The model act is used by most States as model for their Insurance Laws dealing with Unfair Trade Practices.
To my knowledge no travel insurance company is involved in these Unfair Practices.