# ORS § 746.045: 746.045 Prohibition on rebates

> Oregon · Statutes · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_OR_T56_C746_S746.045

## Section

- **Citation:** ORS § 746.045
- **Heading:** 746.045 Prohibition on rebates
- **Jurisdiction:** Oregon
- **Kind:** Statutes
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** OR Code / Title 56 / Chapter 746 / Section 746.045

## Text

(1) A person may not personally or otherwise offer, promise, allow, give, set off, pay or receive, directly or indirectly, any rebate of or rebate of part of the premium payable on an insurance policy or the insurance producer’s commission on an insurance policy, or earnings, profit, dividends or other benefit founded, arising, accruing or to accrue on or from the policy, or any other valuable consideration or inducement to or for insurance on any domestic risk, which is not specified in the policy.

(2) A premium discount or rebate is not prohibited by this section if the discount or rebate is:

(a) Offered in connection with a program of health promotion or disease prevention, as described in 42 U.S.C. 300gg-4;

(b) Paid for participation in a program to promote healthy behaviors under ORS 743.824 (Cash dividends for healthy behaviors) ; or

(c) Offered in connection with a wellness program defined by the Department of Consumer and Business Services by rule.

(3) This section does not prohibit giving, as a form of advertising, as a promotional program or as promotional material, a prize, goods, wares, merchandise, articles or property with an aggregate value of not more than $100 in a calendar year to a person other than a person to whom an insurer issues health insurance, as defined in ORS 731.162 (“Health insurance.”) , or a health benefit plan, as defined in ORS 743B.005 (Definitions) . [1967 c.359 §571; 2003 c.364 §135; 2013 c.681 §35a; 2017 c.327 §1]

Source: Section 746.045 — Prohibition on rebates; exceptions; rules , https://www.­oregonlegislature.­gov/bills_laws/ors/ors746.­html (accessed May 26, 2025).

## Nearby sections

- [ORS § 746.005 746.005 Trade practices exempted from prohibitions](https://www.frixlaw.com/law-library/statutes/STATE_OR_T56_C746_S746.005.md)
- [ORS § 746.015 746.015 Discrimination](https://www.frixlaw.com/law-library/statutes/STATE_OR_T56_C746_S746.015.md)
- [ORS § 746.018 746.018 Discrimination in issuance of burglary, theft, robbery or casualty policies prohibited](https://www.frixlaw.com/law-library/statutes/STATE_OR_T56_C746_S746.018.md)
- [ORS § 746.021 746.021 Discrimination under health benefit plans](https://www.frixlaw.com/law-library/statutes/STATE_OR_T56_C746_S746.021.md)
- [ORS § 746.023 746.023 Discrimination against living donors or body part donors with respect to life insurance, health insurance or long term care insurance](https://www.frixlaw.com/law-library/statutes/STATE_OR_T56_C746_S746.023.md)
- [ORS § 746.025 746.025 Securities or other contracts as inducement to insurance](https://www.frixlaw.com/law-library/statutes/STATE_OR_T56_C746_S746.025.md)
- [ORS § 746.035 746.035 Inducements not specified in policy](https://www.frixlaw.com/law-library/statutes/STATE_OR_T56_C746_S746.035.md)
- [ORS § 746.045 746.045 Prohibition on rebates](https://www.frixlaw.com/law-library/statutes/STATE_OR_T56_C746_S746.045.md)
- [ORS § 746.055 746.055 Title insurance commissions, rebates and discounts](https://www.frixlaw.com/law-library/statutes/STATE_OR_T56_C746_S746.055.md)
- [ORS § 746.065 746.065 Personal or controlled insurance](https://www.frixlaw.com/law-library/statutes/STATE_OR_T56_C746_S746.065.md)
- [ORS § 746.075 746.075 Misrepresentation generally](https://www.frixlaw.com/law-library/statutes/STATE_OR_T56_C746_S746.075.md)
- [ORS § 746.085 746.085 Regulating replacement of life insurance](https://www.frixlaw.com/law-library/statutes/STATE_OR_T56_C746_S746.085.md)
- [ORS § 746.100 746.100 Misrepresentation in insurance applications or transactions](https://www.frixlaw.com/law-library/statutes/STATE_OR_T56_C746_S746.100.md)
- [ORS § 746.110 746.110 False, deceptive or misleading statements](https://www.frixlaw.com/law-library/statutes/STATE_OR_T56_C746_S746.110.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_OR_T56_C746_S746.045. Check the current official text before relying on it. Not legal advice.