N.Y. Insurance Law § 2613: Eligibility for life and disability insurance for persons with a history of any type of cancer

§ 2613. Eligibility for life and disability insurance for persons with

a history of any type of cancer. (a) Unless its action is based upon

sound actuarial principles or is related to actual or reasonably

anticipated experience, no insurer shall refuse to issue any policy of

life or non-cancelable disability insurance, or cancel or decline to

renew such policy because an individual has had any type of cancer,

provided that the initial diagnosis of such disease has occurred at

least three years prior to the date of application and that a physician

has certified that the disease has not reoccurred in the applicant or

the individual proposed for such insurance.

(b) In the case of an adverse underwriting decision, the insurer shall

notify the applicant or proposed insured of its specific reason or

reasons for such decision.