(a) Insurers shall make determinations about the provision of services based on an analysis of sound underwriting and actuarial principles related to actual or reasonably anticipated loss experience unique to each current or prospective customer and shall not engage in a practice described in subsection (b). This subsection (a) does not restrict an insurer that claims a religious purpose from making such determinations based on the current or prospective customer's religious beliefs, religious exercise, or religious affiliations.(b) Except as otherwise provided in subsection (a), an insurer shall not refuse to insure, or charge a different rate to a person, solely on the basis of: (1) The person's political opinions, speech, or affiliations; or(2) The person's religious beliefs, religious exercise, or religious affiliations.(c) A violation of this section constitutes an unfair trade practice and is subject to the remedies as provided under this part.Added by 2024 Tenn. Acts, ch. 746,s 3, eff. 7/1/2024.