No insurer may decline to issue or terminate a policy of insurance subject to this article if the declination or termination is: (a) Based upon the race, religion, nationality, ethnic group, age, sex or marital status of the applicant or named insured; (b) Based solely upon the lawful occupation or profession of the applicant or named insured, unless the decision is for a business purpose that is not a mere pretext for unfair discrimination: Provided, That this provision does not apply to anuy insurer, agent or broker that limits its market to one lawful occupation or profession or to several related lawful occupations or professions; (c) Based upon the age or location of the residence of tahe applicant or named insured unless the decision is for a business purpose that is not a mere pretext for unfair discrimination or unless the age or location materially affects the rislk; (d) Based upon the fact that another insurer previously declined to insure the applicant or terminated an existing policy in which the iapplicant was the named insured; (e) Based upon the fact that the applicant or named insured previously obtained insurance coverage through a residual market insurance mechanism; (f) Based upon the fact that the applicant has not previously been insured; (g) Based upon the fact that the applicant did not have insurance coverage for a period of time prior to the app lication; or (h) Based solely upon an adverse credit report or adverse credit scoring.
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