Protecting Living Donors and Strengthening Consumer Confidence

Feb 27, 2026

Diverse couple sitting at the kitchen table going over documents and smiling at each other.

The Living Donor Protection Act (S. 1552) reflects a core value that defines the life insurance industry: doing the right thing for consumers. Life insurers have long demonstrated this commitment through a proven record of delivering on their promises — paying out 99% of life insurance claims and working proactively to locate beneficiaries who may not even know a policy exists. These long‑standing practices underscore a simple truth: families can rely on life insurers to be there when it matters most.

The bill strengthens protections for the extraordinary individuals who choose to become living organ donors. Today, donors may encounter uncertainty when seeking life, disability income, or long-term care coverage. The bill addresses this by establishing clear, national standards, ensuring the selfless act of organ donation does not keep someone from accessing the financial protection they need. This aligns directly with the life insurance industry’s longstanding emphasis on fairness, clarity, and consumer trust — principles reflected in ACLI members’ work every day to support families through life’s most challenging moments.

The legislation also reinforces the stability and predictability that consumers and insurers depend on. By ensuring consistent underwriting expectations, the bill preserves a balanced system that protects donors without undermining the sound practices that keep insurance markets strong. This approach mirrors broader industry advocacy for regulatory frameworks that expand access, foster inclusion, and uphold consumer protections.

Supporting living donors is a natural extension of the industry’s mission: helping families achieve long-term security and supporting individuals who uplift their communities. The Living Donor Protection Act strengthens those commitments, promoting public health and financial stability by removing barriers to donation and ensuring donors receive fair treatment.

The life insurance industry strongly supports the Senate HELP Committee’s work to advance this legislation and remains dedicated to policies that protect Americans, reinforce trust, and ensure families have the security they need.

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Kathleen Coulombe

Kathleen Coulombe serves as the Senior Vice President, Federal Relations, for the American Council of Life Insurers (ACLI). In this capacity, she is actively involved in a multitude of public policy issues on Capitol Hill that impact the life insurance industry.