Ohio § 3911.16
Full text of Ohio Ohio Revised Code § 3911.16, with citation guidance and answers to common questions.
§ 3911.16.
No life insurance company organized or doing business within this state shall: (A) Make any distinction or discrimination on the basis of race as to premiums or rates
charged for life insurance policies; (B) Demand or require greater premiums from persons who are of different races and who
are of the same age, sex, general condition of health, and hope of longevity; (C) Make or require any rebate, diminution, or discount on the basis of race upon the
sum to be paid on a life insurance policy in case of the death of the person insured; (D) Insert in the policy on the basis of race any condition or stipulation by which a
person binds self, or the person's heirs, executors, administrators, or assigns, to
accept any sum less than the full value or amount of the policy in case of a claim
accruing thereon by reason of the death of the person insured. Any stipulation or condition described in division (D) of this section so made or
inserted is void. If a life insurance company denies an applicant life insurance and the applicant believes
that the denial was on the basis of race, the insurance company shall provide, upon
the request of the applicant, the specific reason or reasons for the denial, as provided
in section 3904.10 of the Revised Code , as well as an affirmation that the denial was not on the basis of race.
Frequently Asked Questions About Ohio § 3911.16
What does Ohio Revised Code § 3911.16 cover?
Section 3911.16 is part of the Ohio Revised Code, the codified statutory law of Ohio. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Ohio § 3911.16?
A common citation format is "Ohio Revised Code § 3911.16" (Ohio). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Ohio law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Ohio official source linked on this page or consult a licensed Ohio attorney.
How does Ohio § 3911.16 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Ohio can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Ohio.