Code of Alabama
Ala. Code § 27-12-11 (2026)
Life, Annuity, and Disability Insurance - Unfair Discrimination in Rates, Etc.
✓ official Alabama Legislature (ALISON) text, current July 2026
(a) No person shall make or permit any unfair discrimination between individuals of the same class and equal expectation of life in the rates charged for any contract of life insurance or of life annuity, or in the dividends or other benefits payable thereon or in any other of the terms and conditions of such contract.
(b) No person shall make or permit any unfair discrimination between amount of premium, policy fees or rates charged for any policy or contract of disability insurance, or in the benefits payable thereunder, or in any of the terms or conditions of such contract or in any other manner whatever.
(Acts 1957, No. 608, p. 865, §4; Acts 1971, No. 407, p. 707, §237.)
Notes of Decisions
Cited in 5
cases, 2000–2001 · leading case: Moore v. Liberty Nat'l Ins., 108 F. Supp. 2d 1266 (N.D. Ala. 2000).
Moore v. Liberty Nat'l Ins., 108 F. Supp. 2d 1266 (N.D. Ala. 2000). “Ala. Code § 27-12-11 . Therefore, the relevant question before this Court is whether the section 1981 and 1982 claims that the Plaintiffs seek to bring would “invalidate, impair, or supersede” the State statute.”
Wright v. Am. Gen. Life & Accident Ins., 136 F. Supp. 2d 1207 (M.D. Ala. 2001). “Haywood for Unjust Enrichment (Count One), Money Had and Received (Count II), Deceit and Fraudulent Deceit (Count III), Fraud (Count IV), Suppression of Material Facts (Count V), Fraudulent Concealment (Count VI), Continuing Misrepresentations, Suppressions (Count VII),…”
Lindsay v. Am. Gen. Life & Accident Ins., 133 F. Supp. 2d 1271 (N.D. Ala. 2001). “Among the causes of action listed in Plaintiffs 13-count complaint are claims alleging unjust enrichment; money paid by mistake; *1273 breach of contract; conversion; breach of fiduciary duty; improper hiring, supervision, and retention; negligent and/or fraudulent…”
Ellen Gayle Moore v. Liberty Nat'l Ins. Co, 267 F.3d 1209 (11th Cir. 2001). “Ala.Code § 27-12-11. Therefore, our task is limited to determining whether §§ 1981 and 1982 “invalidate, impair, or supersede” the terms of the statute above.”
Ellen Gayle Moore v. Liberty Nat'l Ins. Co, 267 F.3d 1209 (11th Cir. 2001). “Ala. Code § 27-12-11 . Therefore, our task is limited to determining whether §§ 1981 and 1982 impair, invalidate, or supersede the terms of the statute above.”
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