A new bill filed by Sen. Britt seeks to clarify permitted trade practices and rebates in North Carolina’s insurance industry to ensure fairness and compliance, according to the North Carolina State Senate.
The bill, filed as SB 271 on March 12 during the 2025 regular session, was formally listed with the short title: ‘Permitted Trade Practices/Insurance Rebates.-AB’
The following is our breakdown, based on the actual bill text, and may include interpretation to clarify its provisions.
In essence, this bill amends regulations regarding permitted trade practices involving insurance rebates in North Carolina. It clarifies that specific practices are not classified as unfair discrimination or illegal rebates, such as offering value-added services unrelated to the insurance policy but meeting certain criteria, including loss prevention, financial wellness, and health enhancement. These services must be provided fairly and documented by insurers. The bill allows noncash gifts up to $250 per policy term and establishes rules for lotteries or raffles, capping prizes at $250. It confirms rebates, reductions, or inducements not specified in a policy are prohibited, except in clearly defined situations. The act is effective upon becoming law and applies to applicable insurance contracts issued, renewed, or amended thereafter.
A related bill, HB 356, was also filed in the North Carolina House, introduced by Rep. Chris Humphrey (and two others) on March 10, 2025.
Of the three sponsors of this bill, Todd Johnson proposed the most bills (28) during the 2025 regular session.
Bills in North Carolina follow a multi-step process before becoming law. A lawmaker starts by filing a bill, which is assigned to a committee for review. The bill must be read three times in each chamber. If one chamber changes the bill after the other passes it, both must agree on the final version. Once both chambers approve the same bill, it goes to the governor, who has 10 days (or 30 if the legislature is not in session) to sign, veto, or let it become law without a signature.
You can read more about the bills and other measures here.
Britt graduated from University of Oklahoma with a JD.
Britt, a Republican, was elected to the North Carolina State Senate in 2023 to represent the state’s 24th Senate district, replacing previous state senator Amy Galey.
| Authors | Bill Number | Date Filed | Title |
|---|---|---|---|
| Danny Earl Britt, Jr., Eddie D. Settle, and Todd Johnson | SB 271 | 03/12/2025 | Permitted Trade Practices/Insurance Rebates.-AB |
| Danny Earl Britt, Jr., Eddie D. Settle, and Todd Johnson | SB 268 | 03/12/2025 | Amend NC PEO Act.-AB |
| Danny Earl Britt, Jr., Eddie D. Settle, and Todd Johnson | SB 269 | 03/12/2025 | Insurance Guaranty Association Act Revisions.-AB |
| Danny Earl Britt, Jr., Eddie D. Settle, and Todd Johnson | SB 270 | 03/12/2025 | Credit Property Insurance Restrictions.-AB |
| Danny Earl Britt, Jr., Michael A. Lazzara, and Todd Johnson | SB 265 | 03/11/2025 | Protecting Our Community Act. |
| Danny Earl Britt, Jr., Timothy D. Moffitt, and Warren Daniel | SB 266 | 03/11/2025 | Historic Flood Event Bldg. Code Exemption. |
| Danny Earl Britt, Jr., Buck Newton, and Warren Daniel | SB 254 | 03/10/2025 | Establish Offense for Poss. of Explosive. |
| Danny Earl Britt, Jr., Amy S. Galey, and Vickie Sawyer | SB 250 | 03/06/2025 | Celebrate America’s 250th-Let Freedom Ring!. |
| Danny Earl Britt, Jr., Bill Rabon, and Tom McInnis | SB 220 | 02/27/2025 | Protect Private Property Rights.-AB |
| Danny Earl Britt, Jr. | SB 127 | 02/21/2025 | Lower Taxes for Scotland County. |
| Danny Earl Britt, Jr., Amy S. Galey, and Buck Newton | SB 117 | 02/18/2025 | GSC Uniform Comm. Code/Emerging Technologies. |
| Danny Earl Britt, Jr., Eddie D. Settle, and Warren Daniel | SB 50 | 02/04/2025 | Freedom to Carry NC. |
| Danny Earl Britt, Jr., Eddie D. Settle, and Todd Johnson | SB 51 | 02/04/2025 | Maintain NAIC Accreditation of DOI.-AB |
| Danny Earl Britt, Jr. | SB 52 | 02/04/2025 | 24th Senatorial District Local Act-1. |
