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Act No. 46
Public Acts of 2025
Approved by the Governor
December 23, 2025
Filed with the Secretary of State
December 23, 2025
EFFECTIVE DATE: Sine Die
(91st day after final adjournment of the 2025 Regular Session)
STATE OF MICHIGAN
103RD LEGISLATURE
REGULAR SESSION OF 2025
Introduced by Reps. B. Carter and Fitzgerald
ENROLLED HOUSE BILL No. 4666
AN ACT to amend 1956 PA 218, entitled “An act to revise, consolidate, and classify the laws relating to the
insurance and surety business; to regulate the incorporation or formation of domestic insurance and surety
companies and associations and the admission of foreign and alien companies and associations; to provide their
rights, powers, and immunities and to prescribe the conditions on which companies and associations organized,
existing, or authorized under this act may exercise their powers; to provide the rights, powers, and immunities
and to prescribe the conditions on which other persons, firms, corporations, associations, risk retention groups,
and purchasing groups engaged in an insurance or surety business may exercise their powers; to provide for the
imposition of a privilege fee on domestic insurance companies and associations and the state accident fund; to
provide for the imposition of a tax on the business of foreign and alien companies and associations; to provide for
the imposition of a tax on risk retention groups and purchasing groups; to provide for the imposition of a tax on
the business of surplus line agents; to provide for the imposition of regulatory fees on certain insurers; to provide
for assessment fees on certain health maintenance organizations; to modify tort liability arising out of certain
accidents; to provide for l imited actions with respect to that modified tort liability and to prescribe certain
procedures for maintaining those actions; to require security for losses arising out of certain accidents; to provide
for the continued availability and affordability of a utomobile insurance and homeowners insurance in this state
and to facilitate the purchase of that insurance by all residents of this state at fair and reasonable rates; to provide
for certain reporting with respect to insurance and with respect to certain claims against uninsured or self-insured
persons; to prescribe duties for certain state departments and officers with respect to that reporting; to provide
for certain assessments; to establish and continue certain state insurance funds; to modify and clarify the status,
rights, powers, duties, and operations of the nonprofit malpractice insurance fund; to provide for the departmental
supervision and regulation of the insurance and surety business within this state; to provide for regulation over
worker’s compensation self-insurers; to provide for the conservation, rehabilitation, or liquidation of unsound or
insolvent insurers; to provide for the protection of policyholders, claimants, and creditors of unsound or insolvent
insurers; to provide for associ ations of insurers to protect policyholders and claimants in the event of insurer
insolvencies; to prescribe educational requirements for insurance agents and solicitors; to provide for the
regulation of multiple employer welfare arrangements; to create an au tomobile theft prevention authority to
reduce the number of automobile thefts in this state; to prescribe the powers and duties of the automobile theft
prevention authority; to provide certain powers and duties upon certain officials, departments, and authorities of
this state; to provide for an appropriation; to repeal acts and parts of acts; and to provide penalties for the violation
of this act,” by amending section 2082 (MCL 500.2082).
The People of the State of Michigan enact:
Sec. 2082. (1) A life insurer doing business in this state shall not make any distinction or discrimination
between individuals based on race or color as to the premiums or rates charged for policies on the lives of those
individuals, or in any other manner . A life insurer doing business in this state shall not demand or require a
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greater premium from an individual based on that individual’s race or color. A life insurer doing business in this
state shall not make or require a rebate, diminution, or discount on the amount to be paid on a life insurance
policy based on an individual’s race or color or insert in the policy a condition, or make a stipulation by which the
insured individual binds the individual or the individual’s heirs, personal representatives, and assigns to accept
an amount less than the full amount or value of the policy for a claim accruing because of the death of the insured
individual, based on the individual ’s race or color, and any such stipulation or condition so made or inserted is
void.
(2) An insurer that violates this section is subject to a civil fine of $1,000.00 for each violation, to be recovered
by the attorney general by appropriate action in a court, and a judgment from the action may be collected in the
same manner as is provided for collecting judgments rendered in favor of policyholders. An officer or agent who
violates this section is guilty of a misdemeanor punishable by imprisonment in the county jail for not more than
1 year, a fine of not less than $500.00 and not more than $1,000.00, or both.
Clerk of the House of Representatives
Secretary of the Senate
Approved___________________________________________
____________________________________________________
Governor