Prohibits unfair discrimination in issuing or rating life insurance policies based on transgender status or certain gender identity information.

This bill (A1910) prohibits life insurance companies in New Jersey from discriminating against applicants or policyholders based on transgender status or gender identity information. It amends existing law to explicitly ban unfair practices like denying coverage, charging higher rates, or refusing applications due to: (1) transgender status (including gender dysphoria diagnoses or related treatments), or (2) inconsistencies between a person's gender identity and their sex assigned at birth or documentation. The law applies directly to transgender individuals seeking or renewing life insurance policies. It aligns with New Jersey’s broader anti-discrimination protections in insurance, requiring insurers to base decisions on actuarial risk, not gender identity.