Consumer Federation of America sent a letter to the National Association of Insurance Commissioners, urging them to adopt a model rule for life insurance underwriters who might delay or deny coverage for people who have or had COVID-19. CFA additionally sent the letter to major life insurance companies asking them to voluntarily make COVID underwriting rules public and reasonable. Some life insurers in Europe are already taking these steps. State insurance regulators must issue a rule to protect consumers from arbitrary insurance practices. The rule should require that underwriting rules relating to COVID be made public before they are used and establish reasonable standards for what would trigger a delay or denial of coverage.