Relates to life, accident and health insurance; discrimination and rebating; prohibited inducements and independent sales

This bill (S 5354) allows insurance agents and brokers to provide specific additional services to group insurance policyholders without charging fees or with a separate written fee, under strict conditions. It permits services like risk assessments, insurance consulting, COBRA billing, HIPAA-related support, and tax preparation for employer benefit plans (Form 5500 Schedule A), all while requiring fair, nondiscriminatory treatment. These services must be incidental to group or blanket insurance policies sold by the agent or broker. The law takes immediate effect upon enactment.