KRS 304.12-080: Unfair discrimination prohibited.

(1) No insurer, other than a life insurer or health insurer, shall make or permit any

unfair discrimination in favor of particular persons, or between insureds or subjects

of insurance having substantially like insuring risk, and exposure factors, or expense

elements, in the terms or conditions of any insurance contract, or in the rate or

amount of premium charged therefor. This subsection shall not apply as to any

premium or premium rate in effect pursuant to Subtitle 13.

(2) No insurer shall make or permit an y unfair discrimination between individuals of

the same class and equal expectation of life in the rates charged for any contract of

life insurance or of life annuity or in the dividends or other benefits payable thereon,

or in any other of the terms and c onditions of such contract, except that in

determining the class, consideration may be given to the nature of the risk, plan of

insurance, the actual or expected expense of conducting the business or any other

relevant factor.

(3) No insurer shall make or permit any unfair discrimination between individuals of

the same class involving essentially the same hazards in the amount of premium,

policy fees, or rates charged for any policy or contract of health insurance or in the

benefits payable thereunder, or in any of the terms or conditions of such contract, or

in any other manner whatsoever, except that in determining the class, consideration

may be given to the nature of the risk, plan of insurance, the actual or expected

expense of conducting the business or any other relevant factor.