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Living Kidney Donor

An individual who has donated one of their kidneys to another person and is still alive.

Life Insurance Policy

A contract where an insurance company agrees to pay a specific amount of money to a chosen beneficiary upon the death of the insured person.

Discriminate

To treat a person or group unfairly or less favorably than others, often based on a specific characteristic like their status as a kidney donor.

Actuarial Risks

The statistical likelihood of certain events (like illness or death) occurring, which insurance companies use to calculate how much to charge for policies and what conditions to apply.

Private Right of Action

The ability of an individual person to file a lawsuit in court against another party for violating a law, typically to recover money for damages or other relief.

Preempt

To take precedence over or override. In this context, it means a federal law taking priority over a state or local law.