Florida Statute 626.9705 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXXVII
INSURANCE

Chapter 626
INSURANCE FIELD REPRESENTATIVES AND OPERATIONS

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F.S. 626.9705

626.9705 Life or disability insurance; illegal dealings.—

(1) No life or disability insurer shall refuse to renew, sell, or issue a life or disability insurance policy, establish or charge a premium or rate to an applicant or a prospective policyholder, or establish or charge an unfair, discriminatory premium or rate to such person solely on the ground that the applicant or policyholder suffers from a severe disability.

(2) “Severe disability,” as used in this section, means any spinal cord disease or injury resulting in permanent and total disability, amputation of any extremity that requires prosthesis, permanent visual acuity of 20/200 or worse in the better eye with the best correction, a peripheral field so contracted that the widest diameter of such field subtends an angular distance no greater than 20 degrees, or neurosensory deafness.

(3) Nothing in this section should be construed as requiring an insurer to provide insurance coverage against a severe disability which the applicant or policyholder has already sustained.

History.—ss. 1, 7, ch. 75-279; s. 1, ch. 77-174; s. 1, ch. 79-171; s. 807, ch. 82-243; ss. 206, 207, ch. 90-363; s. 4, ch. 91-429.

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Amendments to 626.9705

Annotations, Discussions, Cases:

Cases Citing Statute 626.9705

Total Results: 7

Talat Enterprises, Inc. v. Aetna Cas. & Sur. Co.

753 So. 2d 1278, 2000 WL 232303

Supreme Court of Florida | Filed: Mar 2, 2000 | Docket: 1729118

Cited 62 times | Published

9541(9), (15), or (24); 2. Section 626.9551; 3. Section 626.9705; 4. Section 626.9706; or 5. Section 626.9707;

DADELAND DEPOT. v. St. Paul Fire and Marine

945 So. 2d 1216, 31 Fla. L. Weekly Supp. 882, 2006 Fla. LEXIS 2953, 2006 WL 3741019

Supreme Court of Florida | Filed: Dec 21, 2006 | Docket: 2451707

Cited 49 times | Published

9541(1)(i), (o), or (x); 2. Section 626.9551; 3. Section 626.9705; 4. Section 626.9706; 5. Section 626.9707;

State Farm Fire & Cas. Co. v. Zebrowski

706 So. 2d 275, 22 Fla. L. Weekly Supp. 726, 1997 Fla. LEXIS 1965, 1997 WL 730719

Supreme Court of Florida | Filed: Nov 26, 1997 | Docket: 2513787

Cited 13 times | Published

9541(1)(i), (o), or (x); 2. Section 626.9551; 3. Section 626.9705; 4. Section 626.9706; 5. Section 626.9707;

Home Ins. Co. v. Owens

573 So. 2d 343, 1990 WL 175784

District Court of Appeal of Florida | Filed: Nov 14, 1990 | Docket: 479030

Cited 9 times | Published

9541(1)(i), (o), or (x); 2. Section 626.9551; 3. Section 626.9705; 4. Section 626.9706; or 5. Section 626.9707;

Zebrowski v. State Farm Fire & Cas. Co.

673 So. 2d 562, 1996 WL 267929

District Court of Appeal of Florida | Filed: May 22, 1996 | Docket: 1671221

Cited 2 times | Published

9541(1)(i), (o), or (x); 2. Section 626.9551; 3. Section 626.9705; 4. Section 626.9706; 5. Section 626.9707;

316, Inc. v. Maryland Casualty Co.

625 F. Supp. 2d 1179, 2008 U.S. Dist. LEXIS 41049, 2008 WL 2157084

District Court, N.D. Florida | Filed: May 21, 2008 | Docket: 2268219

Cited 1 times | Published

9541(1)(i), (o), or (x); 2. Section 626.9551; 3. Section 626.9705; 4. Section 626.9706; 5. Section 626.9707;

Buell v. Direct General Insurance Agency, Inc.

488 F. Supp. 2d 1215, 2007 U.S. Dist. LEXIS 44059

District Court, M.D. Florida | Filed: Jun 6, 2007 | Docket: 2293945

Cited 1 times | Published

9541(1)(i), (o), or (x); Section 626.9551; Section 626.9705; Section 626.9706; Section 626.9707." Had