Tennessee Code Title 56. Insurance § 56-8-205

(1) Does not have the purpose or effect of treating abuse status as a medical condition or underwriting criterion;

(2) Is otherwise permissible by law and applies in the same manner and to the same extent to all applicants and insureds with a similar medical condition without regard to whether the condition or claim is abuse-related; and

(3) Is based on a determination, made in conformance with actual or reasonably anticipated actuarial experience.