Notwithstanding any other provision of law to the contrary, an insurer or issuer of a disability income, life, or long-term care insurance policy shall not deny, cancel, or refuse to issue insurance coverage, determine the price or premium for, or otherwise vary any term or condition of the policy solely on the basis of the individual’s status as a living donor and without any unique and material actuarial risks in accordance with sound actuarial principles or actual and reasonably anticipated and expected experience of the individual based on the individual’s status as a living donor.