Modifying certain provisions regulating credit insurance; authorizing the subjection of debtors failing to maintain continuous credit accident and health insurance coverage to a one time preexisting condition limit, limits, prohibiting preexisting condition limits or exclusions for debtors maintaining continuous coverage, excepting unexpired portions of limits under prior insurance; providing for the determination of suitability of credit insurance offered to creditors; removing a certain exception to the requirement for creditors to refund unearned premiums upon prepayment in full; providing for commissioner of commerce disapproval of schedules of premium rates; modifying the procedure for commissioner withdrawal of approval of premium rate forms or schedules (ra)