R590-129-4. Prohibited Acts and Practices

(1) The following acts and practices are prohibited because of blindness, partial blindness, or physical or mental impairment: (a) refusing to insure; (b) refusing to continue to insure; (c) limiting the amount, extent, or kind of coverage available to an individual; or (d) charging a higher rate for the same coverage except where the refusal, limitation, or rate differential is based upon sound actuarial principles or reasonably anticipated loss experience. (2) Refusing to insure includes an insurer denying coverage when the policy defines "disability" as being presumed if the insured suffers the loss of sight. (3) Unless otherwise provided by law, it is not a violation of this rule to exclude from coverage any disability consisting of blindness, partial blindness, or physical or mental impairment when the condition existed at the time the policy was issued.