Ohio Code § 3911.16
Ohio Code § 3911.16. Reproduced from the official Ohio Revised Code, with a citation summary, verification link, and related provisions.
§ 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.
Source: official Ohio text · Last verified 2026-08-27
At a glance
- Citation: Ohio Revised Code § 3911.16
- Jurisdiction: Ohio
- Code: Ohio Revised Code
- Text: transcribed from the official source (verify below)
Verify the text
Statute text is transcribed from the official Ohio Revised Code. Confirm it against the primary source before relying on it:
Not legal advice. Verify against the official source and consult a licensed Ohio attorney.
Common questions
What is the source of Ohio Revised Code § 3911.16?
The text above is transcribed from the Ohio Revised Code, the codified statutes of Ohio. The official publisher link appears under "Verify the text" on this page.
What subject does Ohio Revised Code § 3911.16 address?
It addresses the rule set out in the section text. Read the section together with the surrounding provisions listed under "Nearby provisions" for the full picture.
Is Ohio Revised Code § 3911.16 still in force?
Statutes are amended, repealed, and renumbered every session. Confirm the current version at the official Ohio source before relying on this text.
Can this page be used as legal advice?
No. This is a reference transcription for research. Applying Ohio law to your facts requires a licensed Ohio attorney who can review the specifics.