(1) Engage in any of the following actions against an individual based solely upon the individual's status as a living donor without additional risk based on sound actuarial principles reasonably related to actual or anticipated loss experience:

(2) Preclude an insured from donating all or part of an organ or tissue as a condition for receiving or continuing to receive coverage under an insurance policy, except that an insurer may decline to issue a life insurance policy to an applicant with a scheduled donation until the applicant is released without complication by the surgeon to the care of the applicant's primary care physician.