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Arizona Revised Statutes - Title 20 Insurance - Chapter 6 Particular Types of Insurance

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  • 20-1201 - Scope of article
    This article applies to contracts of life insurance and annuities, other than reinsurance, group life insurance, group annuities and industrial life insurance. Section 20-1217 (contestability...
  • 20-1202 - Standard provisions required in life insurance policies
    A. No policy of life insurance other than industrial, group and pure endowments with or without return of premiums or of premiums and interest, shall...
  • 20-1203 - Grace period
    There shall be a provision that a grace period of thirty days, or, at the option of the insurer, of one month of not less...
  • 20-1204 - Incontestability
    There shall be a provision that the policy, exclusive of provisions relating to disability benefits or to additional benefits in the event of death by...
  • 20-1205 - Application and policy as entire contract; statements in application as representations; information
    A. There shall be a provision that the policy, or the policy and the application therefor if a copy of the application is endorsed upon...
  • 20-1206 - Misstatement of age
    There shall be a provision that if the age of the insured or of any other person whose age is considered in determining the premium...
  • 20-1207 - Dividends
    There shall be a provision in participating policies that, beginning not later than the end of the third policy year, the insurer shall annually ascertain...
  • 20-1208 - Policy loan on old policies
    A. In the case of policies issued prior to the operative date of section 20-1231, there shall be a provision that after three full years...
  • 20-1209 - Policy loan on new policies
    A. In case of policies issued on and after January 1, 1979, there shall be a provision that after the policy has a cash surrender...
  • 20-1209.01 - Maximum rate of interest on policy loans; definitions
    A. Policies issued on or after the effective date of this section shall provide for policy loan interest rates at either of the following levels:...
  • 20-1210 - Nonforfeiture options in old policies
    A. There shall be a provision specifying the option to which the policyholder is entitled in the event of default in a premium payment after...
  • 20-1212 - Table of installments
    In case the policy provides that the proceeds may be payable in installments which are determinable at issue of the policy, there shall be a...
  • 20-1213 - Reinstatement
    There shall be a provision that unless the policy has been surrendered for its cash surrender value or unless the paid-up term insurance, if any,...
  • 20-1214 - Payment of premiums
    There shall be a provision that all premiums after the first shall be payable in advance.
  • 20-1215 - Payment of claims
    There shall be a provision that when a policy becomes a claim by the death of the insured settlement shall be made upon receipt of...
  • 20-1216 - Policy title
    There shall be a title on the face and on the back of the policy, briefly describing the policy.
  • 20-1217 - Excluded or restricted coverage
    A clause in any policy of life insurance providing that the policy shall be incontestable after a specified period shall preclude only a contest of...
  • 20-1218 - Standard provisions required in annuity and pure endowment contracts
    A. No annuity or pure endowment contract, other than reversionary annuities, survivorship annuities or group annuities, and except as stated in this section, shall be...
  • 20-1219 - Grace period in annuities
    In an annuity or pure endowment contract, other than a reversionary, survivorship or group annuity, there shall be a provision that there shall be a...
  • 20-1220 - Incontestability in annuities
    If any statements, other than those relating to age, sex and identity are required as a condition to issuing an annuity or pure endowment contract,...
  • 20-1221 - Application and contract as entire contract in annuities
    In an annuity or pure endowment contract, other than a reversionary, survivorship or group annuity, there shall be a provision that the contract shall constitute...
  • 20-1222 - Misstatement of age in annuities
    In an annuity or pure endowment contract, other than a reversionary, survivorship or group annuity, there shall be a provision that if the age of...
  • 20-1223 - Dividends on annuities
    If an annuity or pure endowment contract, other than a reversionary, survivorship or group annuity, is participating, there shall be a provision that the insurer...
  • 20-1224 - Reinstatement of annuities
    In an annuity or pure endowment contract, other than a reversionary, survivorship or group annuity, there shall be a provision that the contract may be...
  • 20-1225 - Standard provisions required in reversionary annuities
    A. Except as stated herein, no contract for a reversionary annuity shall be delivered or issued for delivery in this state unless it contains in...
  • 20-1226 - Limitation of liability
    A. No life insurance policy shall be delivered or issued for delivery in this state if it contains a provision that excludes or restricts liability...
  • 20-1227 - Incontestability after reinstatement
    The reinstatement of any policy of life insurance or annuity contract delivered or issued for delivery in this state after January 1, 1955 may be...
  • 20-1228 - Policy settlements
    Any life insurer may hold under agreement the proceeds of any policy issued by it, upon such terms and restrictions as to revocation by the...
  • 20-1229 - Authorized deductions from insurance proceeds
    In determining the amount due under any life insurance policy issued, deduction may be made of: 1. Any unpaid premiums or installments thereof for the...
  • 20-1230 - Prohibition of dual or multiple pay policies
    No life insurance policy shall be issued or delivered in this state if it provides that on the death of anyone not specifically named therein,...
  • 20-1231 - Standard nonforfeiture law for life insurance
    A. This section may be cited as the standard nonforfeiture law for life insurance. B. Nonforfeiture provisions--Life. In the case of policies issued on or...
  • 20-1231.01 - Standard nonforfeiture law for life insurance; table for calculating adjusted premiums
    Except as provided in paragraph 7 of this section, on a policy issued on or after the operative date as provided in this section: 1....
  • 20-1232 - Standard nonforfeiture law for individual deferred annuities
    A. No contract of annuity, except as stated in subsection K, shall be delivered or issued for delivery in this state unless the contract contains...
  • 20-1233 - Free look; annuity contracts
    A. Each annuity contract delivered or issued for delivery in this state and each annuity application shall contain a notice prominently printed on or attached...
  • 20-1241 - Definitions
    In this article, unless the context otherwise requires: 1. "Contract" means a contract for the purchase of an annuity. 2. "Direct response solicitation" means a...
  • 20-1241.01 - Scope of article
    A. This article applies to the replacement of policies and contracts except for the following: 1. Credit life insurance. 2. Except as provided in subsection...
  • 20-1241.02 - Policy summary requirements
    A. Any policy summary required under this article shall be in writing and shall satisfy the requirements of this section. B. A summary of a...
  • 20-1241.03 - Duties of insurance producers
    A. An insurance producer who initiates an application shall submit to the insurer, with or as part of the application, a statement signed by both...
  • 20-1241.04 - Duties of insurers that use insurance producers
    A. An insurer that uses an insurance producer shall comply with the requirements of this section. B. The insurer shall maintain a system for supervision...
  • 20-1241.05 - Duties of replacing insurers that use insurance producers
    A. A replacing insurer shall comply with the requirements of this section for each replacement transaction. B. The insurer shall verify that it has received...
  • 20-1241.06 - Duties of existing insurer
    A. An existing insurer shall comply with the following requirements for any replacement transaction: 1. The insurer shall retain and be able to provide the...
  • 20-1241.07 - Duties of insurers with respect to direct response solicitations
    A. If a person applies for a policy or contract in response to a direct response solicitation, the insurer shall require, with or as part...
  • 20-1241.08 - Violations; penalties; intent
    A. Any person who does not comply with the applicable requirements of this article is subject to penalties prescribed under sections 20-220, 20-295 and 20-456....
  • 20-1241.09 - Rules; exemption from rule making procedures
    A. The director may adopt rules necessary to implement the requirements of this article. B. The department is exempt from title 41, chapter 6, articles...
  • 20-1242 - Definitions
    In this article, unless the context otherwise requires: 1. "Contract owner" means the owner named in the annuity contract or certificate holder in the case...
  • 20-1242.01 - Applicability and scope
    20-1242.01. Applicability and scope A. This article applies to all group and individual annuity contracts and certificates except: 1. Registered or nonregistered variable annuities or...
  • 20-1242.02 - Standards for the disclosure document and buyer's guide
    A. If the application for an annuity contract is taken in a face-to-face meeting, the applicant, at or before the time of application, shall be...
  • 20-1242.03 - Report to contract owners
    20-1242.03. Report to contract owners For annuities in the payout period with changes in nonguaranteed elements and for the accumulation period of a deferred annuity,...
  • 20-1242.04 - Penalties
    20-1242.04. Penalties An insurer or insurance producer that violates this article is subject to penalties prescribed under sections 20-220, 20-295 and 20-456.
  • 20-1242.05 - Rules; exemption from rule making procedures
    20-1242.05. Rules; exemption from rule making procedures A. The director may adopt rules that are necessary to implement the requirements of this article. B. The...
  • 20-1243 - Definitions
    In this article, unless the context otherwise requires: 1. "Annuity" means a fixed or variable annuity that is individually solicited, whether the product is classified...
  • 20-1243.01 - Scope and limitation of article
    A. This article applies to any recommendation to purchase or exchange an annuity that is made to a consumer by an insurance producer, or an...
  • 20-1243.02 - Exemptions
    Unless otherwise specifically included, this article does not apply to recommendations involving: 1. Direct response solicitations if there is no recommendation based on information collected...
  • 20-1243.03 - Duties of insurers and insurance producers
    A. In recommending to a consumer the purchase of an annuity or the exchange of an annuity that results in another insurance transaction or a...
  • 20-1243.04 - Standards for supervision
    A. An insurer shall either assure that a system to supervise recommendations that is reasonably designed to achieve compliance with this article is established and...
  • 20-1243.05 - Mitigation of responsibility; director orders
    A. The director may order: 1. An insurer to take reasonably appropriate corrective action for any consumer who is harmed by the insurer's or by...
  • 20-1243.06 - Record keeping
    A. Insurers, managing general agents, business entities and insurance producers shall maintain, or be able to make available to the director, records of the information...
  • 20-1251 - Requirements for group contracts
    A. Except as provided in subsection C of this section, no life insurance policy shall be delivered in this state insuring the lives of more...
  • 20-1251.01 - Credit union groups
    The lives of a group of individuals may be insured under a policy issued to a credit union organized under the laws of this state...
  • 20-1252 - Employee groups
    The lives of a group of individuals may be insured under a policy issued to an employer, or to the trustees of a fund established...
  • 20-1253 - Debtor groups
    The lives of a group of individuals may be insured under a policy issued to a creditor, who shall be deemed the policyholder, to insure...
  • 20-1254 - Labor union groups
    The lives of a group of individuals may be insured under a policy issued to a labor union, which shall be deemed the policyholder, to...
  • 20-1255 - Trustee groups
    The lives of a group of individuals may be insured under a policy issued to the trustees of a fund established in this state by...
  • 20-1256 - Association groups
    The lives of a group of individuals may be insured under a policy issued to an association, or to a trust or to the trustee...
  • 20-1257 - Coverage of dependents; definition
    A. Insurance under any group life insurance policy that is issued pursuant to section 20-1252, 20-1254 or 20-1255 may be extended to insure the dependents,...
  • 20-1258 - Standard provisions required in group life insurance policies
    A. Except as set forth in subsection B of this section, no policy of group life insurance shall be delivered in this state unless it...
  • 20-1259 - Grace period
    In group life policies there shall be a provision that the policyholder is entitled to a grace period of thirty-one days for the payment of...
  • 20-1260 - Incontestability
    In group life policies there shall be a provision that the validity of the policy shall not be contested, except for nonpayment of premiums, after...
  • 20-1261 - Attachment of application to policy; statements of persons insured as representations
    In group life policies there shall be a provision that a copy of the application, if any, of the policyholder shall be attached to the...
  • 20-1262 - Right to require evidence of individual insurability
    In group life policies there shall be a provision setting forth the conditions, if any, under which the insurer reserves the right to require a...
  • 20-1263 - Misstatement of age
    In group life policies there shall be a provision specifying an equitable adjustment of premiums or of benefits or of both to be made in...
  • 20-1264 - Beneficiary
    In group life policies there shall be a provision that any sum becoming due by reason of the death of the person insured shall be...
  • 20-1265 - Individual certificates
    In group life policies there shall be a provision that the insurer will issue to the policyholder for delivery to each person insured an individual...
  • 20-1266 - Conversion on termination of eligibility
    In group life policies there shall be a provision that if the insurance, or any portion of it, on a person covered under the policy...
  • 20-1267 - Conversion on termination of policy
    In group life policies there shall be a provision that if the group policy terminates or is amended so as to terminate the insurance of...
  • 20-1268 - Death pending conversion
    In group life policies there shall be a provision that if a person insured under the group policy dies during the period within which he...
  • 20-1269 - Notice of conversion right
    If any individual insured under a group life insurance policy delivered after January 1, 1955 in this state becomes entitled under the terms of the...
  • 20-1270 - Standard provisions required in group annuity contracts
    No group annuity contract shall be delivered or issued for delivery in this state and no certificate shall be used in connection therewith unless it...
  • 20-1271 - Grace period in group annuity contracts
    In group annuity contracts there shall be a provision that there shall be a period of grace, either of thirty days or of one month,...
  • 20-1272 - Documents constituting entire group annuity contract
    In group annuity contracts there shall be a provision specifying the document or documents which shall constitute the entire contract between the parties. The document...
  • 20-1273 - Misstatements in group annuity contracts
    In group annuity contracts there shall be a provision, with an appropriate reference thereto in the certificate, for the equitable adjustment of the benefits payable...
  • 20-1274 - Nonforfeiture benefits in group annuity contract
    A. In group annuity contracts there shall be a provision or provisions, with an appropriate reference thereto in the certificate, specifying the nature and basis...
  • 20-1275 - Group annuity contract certificates
    In group annuity contracts there shall be a provision that the insurer will issue to the holder of the contract for delivery to each annuitant...
  • 20-1276 - "Employee life insurance" defined
    20-1276. "Employee life insurance" defined A. "Employee life insurance" is that plan of life insurance, other than salary savings life insurance or pension trust insurance...
  • 20-1277 - Assignability of group life insurance
    Nothing in this title or in any other title shall be construed to prohibit any person insured under a group life insurance policy from making...
  • 20-1301 - Scope of article
    The provisions of this article apply only to industrial life insurance policies. Section 20-1217 (contestability as to excluded or restricted coverage), section 20-1226 (limitation of...
  • 20-1302 - Required provisions
    No policy of industrial life insurance shall be delivered or be issued for delivery in this state unless it contains in substance the applicable provisions...
  • 20-1303 - Grace period
    There shall be a provision that the insured is entitled to a grace period of four weeks within which the payment of any premiums after...
  • 20-1304 - Application and policy as entire contract; statements of applicant as representations
    There shall be a provision that the policy shall constitute the entire contract between the parties, or, if a copy of the application is endorsed...
  • 20-1305 - Incontestability
    There shall be a provision that the policy, exclusive of provisions relating to disability benefits or to additional benefits in the event of death by...
  • 20-1306 - Misstatement of age
    There shall be a provision that if it is found that the age of the individual insured, or the age of any other individual considered...
  • 20-1307 - Dividends
    If a participating policy, there shall be a provision that the insurer shall annually ascertain and apportion any divisible surplus accruing on the policy, except...
  • 20-1308 - Nonforfeiture benefits
    There shall be provisions for nonforfeiture benefits and cash surrender values as required by sections 20-1231 and 20-1231.01.
  • 20-1309 - Reinstatement
    There shall be a provision that unless the policy has been surrendered for its cash surrender value or unless the paid-up term insurance, if any,...
  • 20-1310 - Settlement
    There shall be a provision that when the policy becomes a claim by the death of the insured, settlement shall be made upon surrender of...
  • 20-1311 - Authority to alter contract
    There shall be a provision that no insurance producer shall have the power or authority to waive, change or alter any of the terms or...
  • 20-1312 - Beneficiary; change of beneficiary; payment
    A. Each policy shall have a space on the front or back page of the policy for the name of the beneficiary designated with a...
  • 20-1313 - Direct payment of premiums
    In the case of weekly premium policies, there may be a provision that upon proper notice to the insurer, while premiums on the policy are...
  • 20-1314 - Conversion of weekly premium policies
    There shall be a provision in the case of weekly premium policies granting to the insured, upon proper written request and upon presentation of evidence...
  • 20-1315 - Conversion of monthly premium policies
    There shall be a provision, in the case of monthly premium industrial policies, granting, upon proper written request and upon presentation of evidence of insurability...
  • 20-1316 - Title of policy
    There shall be a title on the face of each such policy briefly describing its form.
  • 20-1317 - Provisions inapplicable to single premium or term policies
    Any of the provisions required by sections 20-1303 to 20-1316, inclusive, or any portion thereof which are not applicable to single premium or term policies...
  • 20-1318 - Prohibited provisions
    No policy of industrial insurance shall contain any of the following provisions: 1. A provision by which the insurer may deny liability under the policy...
  • 20-1341 - Scope of article
    Nothing in this article shall apply to or affect: 1. Any policy of liability or workers' compensation insurance with or without supplementary expense coverage therein....
  • 20-1342 - Scope and format of policy; definitions
    A. A policy of disability insurance shall not be delivered or issued for delivery to any person in this state unless it otherwise complies with...
  • 20-1342.01 - Children with disabilities
    An individual hospital or medical expense insurance policy, delivered or issued for delivery in this state more than one hundred twenty days after August 27,...
  • 20-1342.02 - Disapproval of disability policy form
    The director may disapprove any disability policy form if the benefits provided in the policy form are unreasonable in relation to the premium charged.
  • 20-1342.03 - Disability insurance; clinical trials; cancer; definitions
    A. A disability insurer is not obligated to pay any costs, other than covered patient costs, that are directly associated with a cancer clinical trial...
  • 20-1342.04 - Disability insurance policies; varying copayments and deductibles allowed
    A. Except as provided in sections 20-1379 and 20-2304, a disability insurer may offer one or more disability insurance policies that contain a choice of...
  • 20-1342.05 - Eosinophilic gastrointestinal disorder; formula
    A. Any policy of disability insurance that is offered by a disability insurer and that contains a prescription drug benefit shall cover amino acid-based formula...
  • 20-1342.06 - Contracts; dentists; covered services; definition
    A. A contract, entered into or renewed on or after January 1, 2011, between a disability insurer and a dentist who is licensed to practice...
  • 20-1343 - Policies issued for delivery in another state
    If any policy is issued by a domestic insurer for delivery to a person residing in another state, and if the official having responsibility for...
  • 20-1344 - Policy provisions required; omissions; substitutions
    A. Except as provided in subsection B of this section, each such policy delivered or issued for delivery to any person in this state shall...
  • 20-1345 - Policy and attachments as entire contract; changes in policy
    There shall be a provision as follows: "Entire contract; changes: This policy, including the endorsements and the attached papers, if any, constitutes the entire contract...
  • 20-1346 - Time limit on defenses
    A. There shall be a provision as follows: "Time limit on certain defenses: (a) After two years from the date of issue of this policy...
  • 20-1347 - Grace period
    A. There shall be a provision as follows: "Grace period: A grace period of ______________ (insert a number not less than 'seven' for weekly premium...
  • 20-1348 - Reinstatement
    A. There shall be a provision as follows: "Reinstatement: If any renewal premium is not paid within the time granted the insured for payment, a...
  • 20-1349 - Notice of claim
    A. There shall be a provision as follows: "Notice of claim: Written notice of claim must be given to the insurer within twenty days after...
  • 20-1350 - Claim forms
    There shall be a provision as follows: "Claim forms: The insurer, upon receipt of a notice of claim, will furnish to the claimant such forms...
  • 20-1351 - Proofs of loss
    There shall be a provision as follows: "Proofs of loss: Written proof of loss must be furnished to the insurer at its said office in...
  • 20-1352 - Time for payment of claims
    There shall be a provision as follows: "Time of payment of claims: Indemnities payable under this policy for any loss other than loss for which...
  • 20-1353 - Payment of claims
    A. There shall be a provision as follows: "Payment of claims: Indemnity for loss of life will be payable in accordance with the beneficiary designation...
  • 20-1354 - Physical examination; autopsy
    There shall be a provision as follows: "Physical examinations and autopsy: The insurer at its own expense shall have the right and opportunity to examine...
  • 20-1355 - Legal actions
    There shall be a provision as follows: "Legal actions: No action at law or in equity shall be brought to recover on this policy prior...
  • 20-1356 - Change of beneficiary
    A. There shall be a provision as follows: "Change of beneficiary: Unless the insured makes an irrevocable designation of beneficiary, the right to change a...
  • 20-1357 - Optional policy provisions
    Except as provided in subsection B of section 20-1344, no such policy delivered or issued for delivery to any person in this state shall contain...
  • 20-1358 - Change of occupation
    There may be a provision as follows: "Change of occupation: If the insured be injured or contract sickness after having changed his occupation to one...
  • 20-1359 - Misstatement of age
    There may be a provision as follows: "Misstatement of age: If the age of the insured has been misstated, all amounts payable under this policy...
  • 20-1360 - Other insurance in this insurer
    A. There may be a provision as follows: "Other insurance in this insurer: If an accident or sickness or accident and sickness policy or policies...
  • 20-1361 - Insurance with other insurers; provision of service or expense incurred basis
    A. There may be a provision as follows: "Insurance with other insurers: If there be other valid coverage, not with this insurer, providing benefits for...
  • 20-1362 - Insurance with other insurers
    A. There may be a provision as follows: "Insurance with other insurers: If there be other valid coverage, not with this insurer, providing benefits for...
  • 20-1363 - Relation of earnings to insurance
    A. There may be a provision as follows: "Relation of earnings to insurance: If the total monthly amount of loss of time benefits promised for...
  • 20-1364 - Unpaid premium
    There may be a provision as follows: "Unpaid premium: Upon the payment of a claim under this policy, any premium then due and unpaid or...
  • 20-1365 - Cancellation
    There may be a provision as follows: "Cancellation: The insurer may cancel this policy at any time by written notice delivered to the insured, or...
  • 20-1366 - Conformity with statutes
    There may be a provision as follows: "Conformity with statutes: Any provision of this policy which, on its effective date, is in conflict with the...
  • 20-1367 - Illegal occupation
    There may be a provision as follows: "Illegal occupation: The insurer shall not be liable for any loss to which a contributing cause was the...
  • 20-1368 - Intoxicants and narcotics
    There may be a provision as follows: "Intoxicants and narcotics: The insurer shall not be liable for any loss sustained or contracted in consequence of...
  • 20-1369 - Arrangement of provisions in policy
    The provisions which are the subject of sections 20-1345 to 20-1368, inclusive, or any corresponding provisions which are used in lieu thereof in accordance with...
  • 20-1370 - Third party ownership
    The word "insured," as used in this article shall not be construed as preventing a person other than the insured with a proper insurable interest...
  • 20-1371 - Policy provision requirements of other jurisdictions
    Any policy of a foreign or alien insurer, when delivered or issued for delivery to any person in this state, may contain any provision which...
  • 20-1372 - Effect of policy containing nonconforming provisions
    No policy provision which is not subject to this article shall cause a policy, or any portion thereof to be less favorable in any respect...
  • 20-1373 - Age limit
    If any policy contains a provision establishing, as an age limit or otherwise, a date after which the coverage provided by the policy will not...
  • 20-1374 - Effective date of provisions; moratorium
    A policy, rider or endorsement which could have been lawfully used or delivered or issued for delivery to any person in this state immediately prior...
  • 20-1375 - Franchise disability insurance law
    Disability insurance on a franchise plan is declared to be that form of disability insurance issued to five or more employees of any corporation, copartnership...
  • 20-1376 - Prohibiting denial of certain contract benefits
    A. Notwithstanding any provision of any disability insurance contract, benefits shall not be denied under the contract for any medical or surgical service performed by...
  • 20-1376.01 - Prohibiting denial of chiropractic contract benefits; direct reimbursement
    If a disability insurance contract provides for or offers reimbursement for any service which is within the lawful scope of the practice of a chiropractor...
  • 20-1376.02 - Prohibiting denial of psychologist contract benefits
    If a disability insurance contract provides for or offers reimbursement for any service which is within the lawful scope of the practice of a psychologist...
  • 20-1376.03 - Prohibiting denial of contract benefits; nurses; reimbursement
    If a disability insurance contract provides or offers reimbursement for any service which is within the scope of the practice of a registered nurse practitioner...
  • 20-1376.04 - Prohibiting denial of occupational or physical therapist contract benefits
    If a disability insurance contract provides coverage for occupational or physical therapy services, and provides both an in-network and out-of-network benefit, an insurer shall not...
  • 20-1377 - Continuation of coverage under individual policies; requirements; exceptions; renewability
    A. A policy of disability insurance delivered or issued for delivery in this state shall provide for the right of covered family members to continue...
  • 20-1378 - Eligibility; prohibiting cancellation because of eligibility for certain benefits
    A. Except as specifically provided in sections 20-1379 and 20-1380, with respect to the determination of whether a person is an eligible individual, an insurer...
  • 20-1379 - Guaranteed availability of individual health insurance coverage; prior group coverage; definitions
    A. Every health care insurer that offers individual health insurance coverage in the individual market in this state shall provide guaranteed availability of coverage to...
  • 20-1380 - Guaranteed renewability of individual health coverage
    A. Except as provided in this section, on request of the insured individual, a health care insurer that provides individual health coverage to the individual...
  • 20-1381 - Suspension of health care insurer obligation to issue coverage on a guaranteed issuance basis to eligible individuals
    A. A health care insurer may apply to the director to suspend its obligation to issue coverage to eligible individuals pursuant to section 20-1379 for...
  • 20-1382 - Health care insurers; reporting requirements
    A. On or before March 1 of each year, each health care insurer shall submit to the director a written report that contains the following...
  • 20-1383 - Individual health insurance policies; mandatory coverage exemption; definitions
    A. A disability insurer may issue a policy to an uninsured individual that is not subject to the requirements of any of the following: 1....
  • 20-1401 - Eligible groups
    A. Group disability insurance is that form of disability insurance covering groups of persons as defined below, with or without one or more members of...
  • 20-1401.01 - Group disability insurers; notice; copies
    A. No person or insurer may deliver or issue for delivery to an employer in this state a certificate of insurance or other evidence of...
  • 20-1402 - Provisions of group disability policies; definitions
    A. Each group disability policy shall contain in substance the following provisions: 1. A provision that, in the absence of fraud, all statements made by...
  • 20-1402.01 - Group disability insurance; clinical trials; cancer; definitions
    A. A group disability insurer is not obligated to pay any costs, other than covered patient costs, that are directly associated with a cancer clinical...
  • 20-1402.02 - Eosinophilic gastrointestinal disorder; formula
    A. Any group disability policy that is offered by a group disability insurer and that contains a prescription drug benefit shall cover amino acid-based formula...
  • 20-1402.03 - Group disability insurers; autism spectrum disorder; coverage; exceptions; definitions
    A. A group disability insurer shall not: 1. Exclude or deny coverage for a treatment or impose dollar limits, deductibles and coinsurance provisions based solely...
  • 20-1402.04 - Contracts; dentists; covered services; definition
    A. A contract, entered into or renewed on or after January 1, 2011, between a group disability insurer and a dentist who is licensed to...
  • 20-1403 - Direct payment of hospital and medical services
    Any group disability policy may provide that all or any portion of any indemnities provided by any such policy on account of hospital, nursing, medical...
  • 20-1404 - Blanket disability insurance; definitions
    A. Blanket disability insurance is that form of disability insurance covering special groups of persons as enumerated in one of the following paragraphs: 1. Under...
  • 20-1404.01 - Blanket disability insurance; clinical trials; cancer; definitions
    A. A blanket disability insurer is not obligated to pay any costs, other than patient costs, that are directly associated with a cancer clinical trial...
  • 20-1404.02 - Eosinophilic gastrointestinal disorder; formula
    A. Any policy or contract that is offered by a blanket disability insurer and that contains a prescription drug benefit shall cover amino acid-based formula...
  • 20-1404.03 - Blanket disability insurers; autism spectrum disorder; coverage; exceptions; definitions
    A. A blanket disability insurer shall not: 1. Exclude or deny coverage for a treatment or impose dollar limits, deductibles and coinsurance provisions based solely...
  • 20-1404.04 - Contracts; dentists; covered services; definition
    A. A contract, entered into or renewed on or after January 1, 2011, between a blanket disability insurer and a dentist who is licensed to...
  • 20-1405 - Provisions of group and blanket disability policy
    The provisions of article 4 of chapter 6 of this title shall not apply to group disability or blanket disability insurance policies, but no such...
  • 20-1406 - Prohibiting denial of certain contract benefits
    A. Notwithstanding any provision of any group disability insurance contract or blanket disability insurance contract, benefits shall not be denied under the contract for any...
  • 20-1406.01 - Prohibiting denial of chiropractic contract benefits; direct reimbursement
    If a group disability insurance contract or blanket disability insurance contract provides for or offers reimbursement for any service which is within the lawful scope...
  • 20-1406.02 - Prohibiting denial of psychologist contract benefits
    If a group disability insurance contract or blanket disability insurance contract provides for or offers reimbursement for any service which is within the lawful scope...
  • 20-1406.03 - Prohibiting denial of contract benefits; nursing; reimbursement
    If a group disability or blanket disability insurance contract provides or offers reimbursement for any service which is within the scope of the practice of...
  • 20-1406.04 - Prohibiting denial of occupational or physical therapist contract benefits
    If a group disability or blanket disability insurance contract provides coverage for occupational or physical therapy services, and provides both an in-network and out-of-network benefit,...
  • 20-1407 - Children with disabilities
    A group hospital or medical expense insurance policy delivered or issued for delivery in this state more than one hundred twenty days after August 27,...
  • 20-1408 - Right to obtain individual policy; requirements; exceptions; definition
    A. Each group disability insurance policy delivered or issued for delivery in this state shall provide for the right of all persons covered under the...
  • 20-1409 - Right to open enrollment period; insureds; definition
    A. With respect to insureds who are members of a group with more than one carrier, if there is an insolvency of an insurer, all...
  • 20-1410 - Mail order prescription drugs; prohibition
    From and after September 30, 1990, no medical benefits contract on a group basis delivered or issued for delivery in this state, whether issued by...
  • 20-1411 - Eligibility; prohibiting cancellation because of eligibility for certain benefits
    A. An insurer issuing group disability or blanket disability insurance contracts shall not consider the availability of or a person's eligibility for medical assistance pursuant...
  • 20-1412 - Group and blanket disability insurance policies or contracts; varying copayments and deductibles allowed
    A. Except as provided in sections 20-1379 and 20-2304, a group disability insurer or a blanket disability insurer may offer one or more disability insurance...
  • 20-1501 - Scope of article
    This article shall not apply to vehicle, casualty, inland marine or ocean marine insurance, or reinsurance.
  • 20-1502 - "Fire insurance" defined
    20-1502. "Fire insurance" defined "Fire insurance" is insurance against the perils of fire or lightning as written under the Arizona standard fire policy.
  • 20-1503 - Arizona standard fire policy
    A. No policy of fire insurance covering property located in this state shall be made, issued or delivered unless it conforms as to all provisions...
  • 20-1504 - Variations from standard policy format and page numbers
    The pages of the standard fire insurance policy may be renumbered and the format rearranged for convenience in the preparation of individual contracts, and to...
  • 20-1505 - Policy description of insurer
    There shall be printed on the first or front page at the head of the standard fire insurance policy the name of the insurer or...
  • 20-1506 - Provisions required by charter or laws of other states
    A domestic insurer may print in the standard fire policy any provisions which it is authorized or required by law to insert therein. A foreign...
  • 20-1507 - Riders; endorsements; additional perils
    A. Appropriate forms of additional contracts, riders or endorsements, insuring against indirect or consequential loss or damage, or against any one or more perils other...
  • 20-1508 - Designation as standard policy; producer's name
    A. There may be printed upon the standard fire policy the words, "standard fire insurance policy for Arizona", and there may be inserted before and...
  • 20-1509 - Loss or damage caused by nuclear reaction, or nuclear radiation or radio‑active contamination not covered by Arizona standard fire policy
    20-1509. Loss or damage caused by nuclear reaction, or nuclear radiation or radio-active contamination not covered by Arizona standard fire policy Insurers issuing the standard...
  • 20-1531 - Sole surety on official bonds
    When any bond, recognizance or undertaking is required or permitted to be made for the security or protection of any person or municipality, the state,...
  • 20-1532 - Venue of actions against surety insurers
    Any surety insurer may be sued in respect of any surety bond issued by it in the county where the bond, recognizance, stipulation or undertaking...
  • 20-1533 - Surety companies; arrest bond certificates issued by motor clubs; definition
    A. A domestic or foreign surety company that has qualified to transact surety business in this state may become surety in an amount of not...
  • 20-1534 - Guaranteed arrest bond certificate; cash bail or other bond; forfeiture
    A. A guaranteed arrest bond certificate that conforms to section 20-1533 shall: 1. Be accepted as a bail bond in lieu of cash bail or...
  • 20-1541 - Definitions
    In this article, unless the context otherwise requires: 1. "Authorized real estate security" means either: (a) Any amortized note, bond or other evidence of indebtedness...
  • 20-1542 - Capital and surplus
    A. A mortgage guaranty insurance company shall not transact the business of mortgage guaranty insurance unless: 1. If a stock insurance company, it has paid...
  • 20-1543 - Limitation on geographic concentration
    A. A mortgage guaranty insurance company shall not: 1. Insure loans secured by a single risk in excess of ten per cent of the company's...
  • 20-1544 - Limitation on advertising
    A mortgage guaranty insurance company or any agent or representative of a mortgage guaranty insurance company shall not prepare or distribute or assist in preparing...
  • 20-1545 - Limitation on investment
    A mortgage guaranty insurance company shall not invest in notes or other evidences of indebtedness secured by mortgage or other lien upon real property. This...
  • 20-1546 - Limitation on coverage
    A mortgage guaranty insurance company shall limit its coverage net of reinsurance ceded to a maximum of twenty-five per cent of the entire indebtedness to...
  • 20-1547 - Mortgage guaranty insurance as monoline
    A. A mortgage guaranty insurance company that anywhere transacts any class of insurance other than mortgage guaranty insurance is not eligible for the issuance or...
  • 20-1548 - Underwriting discrimination
    A. Nothing in this article shall be construed as limiting the right of any mortgage guaranty insurance company to impose reasonable requirements upon the lender...
  • 20-1549 - Policy forms and premium rates filed
    A. A mortgage guaranty insurer shall file all policy forms, endorsements and rates a mortgage guaranty insurer proposes to use with the director pursuant to...
  • 20-1550 - Minimum policyholder position; definitions
    A. A mortgage guaranty insurer shall maintain at all times a minimum policyholder position in an amount not less than the amount required by this...
  • 20-1551 - Rebates, commissions and charges
    A. A mortgage guaranty insurance company shall not pay or cause to be paid either directly or indirectly, to any owner, purchaser, lessor, lessee, mortgagee...
  • 20-1552 - Compensating balances prohibited
    A. Except for commercial checking accounts and normal deposits in support of an active bank line of credit, a mortgage guaranty insurance company, its holding...
  • 20-1553 - Conflict of interest
    A. If it is a member of a holding company system, a mortgage guaranty insurance company licensed to transact business in this state shall not,...
  • 20-1554 - Unearned premium reserve
    A mortgage guaranty insurance company shall compute and maintain an unearned premium reserve that is according to the method approved by the director and that...
  • 20-1555 - Loss reserve
    A mortgage guaranty insurance company shall compute and maintain adequate case basis and other loss reserves which accurately reflect loss frequency and loss severity and...
  • 20-1556 - Contingency reserve
    A. In addition to the paid in capital and surplus provided in section 20-1542 each mortgage guaranty insurer shall establish a contingency reserve after establishment...
  • 20-1556.01 - Premium deficiency reserve
    If the mortgage guaranty insurance company's anticipated losses, loss adjustment expenses, commissions and other acquisition costs and maintenance costs are more than the recorded unearned...
  • 20-1557 - Reinsurance
    A. If a mortgage guaranty insurance company obtains reinsurance from an insurance company which is properly licensed to provide such reinsurance or from an appropriate...
  • 20-1558 - Miscellaneous reserves
    A. If the laws of any other jurisdiction in which a mortgage guaranty insurance company, subject to the requirement of this article is also licensed...
  • 20-1559 - Mortgage guaranty insurers; dividend payment
    A. Notwithstanding section 20-722, a domestic mortgage guaranty insurance company may pay dividends out of any available surplus monies if the mortgage guaranty insurance company...
  • 20-1560 - Examinations; rules
    A. The director may use independent contractor examiners pursuant to sections 20-148 and 20-159 to conduct examinations to review compliance with this article. All examination...
  • 20-1561 - Law governing title insurers
    A. This article applies to all title insurers, title insurance rating organizations, title insurance agents, applicants for title insurance and policyholders and to all persons...
  • 20-1562 - Definitions
    In this article, unless the context otherwise requires: 1. "Abstract of title" means a written representation that is provided pursuant to a written or oral...
  • 20-1563 - Qualifications
    A. Any foreign or domestic stock insurer authorized by its corporate charter to engage in business as a title insurer shall be entitled to the...
  • 20-1564 - Investments
    A. A domestic title insurer shall invest and maintain invested funds to the amount of minimum paid-in capital required under this title only in cash...
  • 20-1565 - Additional powers
    A. A title insurer may provide any other services reasonably related to the land title business and may engage in any other business which is...
  • 20-1566 - Taxation of title insurers
    A. In lieu of the premium tax provisions of section 20-224, title insurers shall be subject to taxation on income as other private corporations. B....
  • 20-1567 - Determination of insurability required
    A. No policy or contract of title insurance shall be written on any risk located in this state except by a title insurer authorized to...
  • 20-1568 - Unearned premium reserve
    A. Every title insurer shall, in addition to other reserves, establish and maintain a reserve to be known as the "unearned premium reserve" for title...
  • 20-1569 - Amount of unearned premium reserve; release
    A. The unearned premium reserve of every title insurer shall consist of: 1. The amount of the unearned premium reserve held as of January 1,...
  • 20-1570 - Maintenance of the unearned premium reserve
    If by reason of any cause, other than depreciation in the market value of investments, the amount of the assets of a title insurer held...
  • 20-1571 - Use of the unearned premium reserve on liquidation, dissolution or insolvency
    A. If an order of rehabilitation or of liquidation shall have been entered with respect to a title insurer in accordance with the provisions of...
  • 20-1572 - Reserve for unpaid losses and loss expense
    A. Each title insurer shall at all times establish and maintain, in addition to other reserves, a reserve against unpaid losses, and against loss expense,...
  • 20-1573 - Net retained liability
    A. The net retained liability of any title insurer under any single insurance risk as defined in section 20-1562, paragraphs 4 and 7 shall not...
  • 20-1574 - Power to reinsure
    A. Any title insurer authorized to engage in the business of title insurance in this state may cede reinsurance of all or any part of...
  • 20-1575 - Foreign title insurers; resident agent required
    A. A title insurer that is not incorporated under the laws of this state, but is authorized to transact business herein, shall not make, write,...
  • 20-1576 - Mergers and consolidations of title insurers
    A. A title insurer incorporated under the laws of this state may merge, be merged by or consolidated with, one or more title insurers whether...
  • 20-1577 - Corporate acquisitions other than by merger or consolidation
    A. A title insurer incorporated under the laws of this state may issue stock in exchange for all or any part of the assets or...
  • 20-1578 - Purchase or acquisition of controlling stock
    A. In the event any person or persons propose to purchase or acquire the controlling capital stock of any domestic title insurer, such person or...
  • 20-1580 - Title insurance agents to be licensed
    A. Title insurance agents shall be licensed by the director. Application for license shall be made on forms approved by the director, and the director...
  • 20-1581 - Title insurance agents; books; records; revocation of license
    A. Every title insurance agent shall keep books of account, records and vouchers pertaining to the business of title insurance in such a manner that...
  • 20-1582 - Title insurance agents; replies to inquiries by director
    Every title insurance agent shall promptly reply, in writing, with a copy thereof to each title insurer for which the agent is acting, to any...
  • 20-1583 - Title insurance agents; certain names prohibited
    A. An agent for a title insurer shall not adopt a corporate or business name containing the words "title insurance", "title guaranty" or "title guarantee"...
  • 20-1584 - Commissions; right to pay
    A title insurer may pay a commission to a licensed title insurance agent or other title insurer.
  • 20-1585 - Commissions; other considerations prohibited
    No title insurer and no title insurance agent shall pay or give to any applicant for insurance, or to any person who is acting as...
  • 20-1586 - Rebates or reduced fees
    A. No title insurer nor title insurance agent shall knowingly make any rebate of any portion of the fee or charge established pursuant to section...
  • 20-1587 - Personal or controlled insurance
    A. As used in this article "personal or controlled insurance" means a policy of title insurance where the insured or one of the insureds under...
  • 20-1588 - Examination of records; order; notice
    A. If he has reason to believe that any title insurance agent has violated or is violating any of the provisions of this article, the...
  • 20-1589 - Violations; classification
    Every title insurer and every title insurance agent who knowingly pays any commission, or which makes any unlawful rebate, in violation of this article shall...
  • 20-1590 - Permitted division of fees
    Nothing in this article shall be construed to prohibit the division of fees and charges between or among two or more title insurers or between...
  • 20-1591 - Forms of policies and other contracts of title insurance; approval or disapproval
    A. Every title insurer shall file with the director all forms of title policies and other contracts of title insurance before issuance of any policy...
  • 20-1592 - Records
    A. Every domestic title insurer shall, except as hereinafter provided, keep and maintain at its principal office in this state: 1. A true copy of...
  • 20-1593 - Joint examination; department of financial institutions; powers and duties
    A. The director and the superintendent of financial institutions shall conduct their examinations of title insurers and title insurance agents according to the following: 1....
  • 20-1602 - Scope and repeal
    A. All consumer credit insurance issued, sold or made effective in connection with a loan or other credit transaction for personal, family or household purposes...
  • 20-1603 - Definitions
    In this article, unless the context otherwise requires: 1. "Consumer credit insurance" means any one or a combination of the following: (a) Credit life insurance....
  • 20-1604 - Types of consumer credit insurance
    The types of consumer credit insurance may each be written separately or in combination on an individual policy or group policy basis. The director may...
  • 20-1605 - Maximum amount of credit life insurance
    A. The initial amount of credit life insurance shall not exceed the gross debt. B. If a debt is repayable in substantially equal installments, the...
  • 20-1606 - Maximum amount of credit disability insurance and credit unemployment insurance
    A. The total amount of periodic indemnity payable by credit disability insurance in the event of disability, as defined in the policy, or credit unemployment...
  • 20-1606.01 - Credit unemployment insurance; provisions
    A. A credit unemployment insurance policy shall contain benefits that are at least as favorable to insureds as the following provisions: 1. The policy shall...
  • 20-1607 - Term of insurance
    A. Subject to acceptance by the insurer, the term of any consumer credit insurance shall commence on the date when the debtor becomes obligated to...
  • 20-1608 - Policy provisions and disclosures
    A. Before a debtor elects to purchase consumer credit insurance, the following information shall be disclosed to the debtor in the manner provided in subsection...
  • 20-1609 - Filing, approval and disapproval of forms
    A. A person shall not use or issue for delivery in this state a policy, certificate of insurance, application for insurance, endorsement or rider that...
  • 20-1610 - Premiums for consumer credit insurance; approval or disapproval of rates
    A. The consumer credit insurance charge to the debtor shall not exceed the premium for the particular coverage that is specified in the insurer's rate...
  • 20-1611 - Refunds
    A. Each individual policy or group certificate of consumer credit insurance shall provide that, in the event of termination of insurance prior to the scheduled...
  • 20-1612 - Authorization for issuance of policies
    A. Each policy, certificate of insurance, application for insurance, endorsement and rider of consumer credit insurance delivered or issued for delivery in this state shall...
  • 20-1613 - Reporting and settlement of claims
    A. In accordance with the terms of the applicable insurance contract, each claim shall be promptly reported to the insurer or to its designated claim...
  • 20-1614 - Debtor's option in satisfying security
    When consumer credit insurance is required as a condition to a loan or credit transaction or as security for a debt, if so permitted by...
  • 20-1615 - Rules
    In the manner prescribed by section 20-143, the director may make reasonable rules as the director deems appropriate for proper administration of this article.
  • 20-1616 - Cease and desist order; hearing
    On finding that a person has violated this article or a rule adopted pursuant to this article, the director may issue an order directing that...
  • 20-1616.01 - Penalties
    In addition to any other penalties authorized by this title, after notice and a hearing, the director may impose on an insurer that violates an...
  • 20-1621 - Scope of article
    A. This article applies to an insurer or producer transacting credit property insurance. B. All credit property insurance written in connection with credit transactions for...
  • 20-1621.01 - Definitions
    20-1621.01. Definitions In this article, unless the context otherwise requires: 1. "Closed-end credit" means a credit transaction that does not meet the definition of open-end...
  • 20-1621.02 - Amount; term; coverage; prohibited practices
    A. For credit property insurance sold in conjunction with a closed-end transaction, an insurer shall not: 1. Issue credit property insurance coverage unless the amount...
  • 20-1621.03 - Disclosure to debtors; provisions of policies; certificates of insurance
    A. Before a debtor elects to purchase credit property insurance, the following information shall be disclosed to the debtor in writing: 1. Purchase of credit...
  • 20-1621.04 - Rates and forms; filing; approval; withdrawal of approval
    A. A person shall not deliver, or issue for delivery in this state, any credit property insurance policy or rate unless the person has first...
  • 20-1621.05 - Reasonableness of benefits in relation to premium charged
    A. An insurer's premium rates shall be reasonable in relation to the benefits provided and shall not be excessive, inadequate or unfairly discriminatory. B. At...
  • 20-1621.06 - Experience reports
    An insurer transacting credit property insurance in this state shall annually file with the director and the national association of insurance commissioner's a report of...
  • 20-1621.07 - Cancellation and refund of unearned premium
    On cancellation for any reason, the debtor is entitled to a refund of unearned premiums calculated on a daily pro rata basis, except that an...
  • 20-1621.08 - Claims
    A. A creditor shall promptly report all claims to the insurer or its designated claim representative. B. All claims shall be paid either by draft...
  • 20-1621.09 - Cease and desist order; hearing
    On finding that a person has violated this article or a rule adopted pursuant to this article, the director may issue an order directing that...
  • 20-1621.10 - Rules
    The director may adopt any rules reasonably necessary to carry out and effectuate this article.
  • 20-1621.11 - Penalties
    In addition to any other penalties authorized by this title, after notice and a hearing, the director may impose on an insurer that violates an...
  • 20-1631 - Definition of motor vehicle; cancellation of or failure to renew coverage; limitations; limitation of liability; exceptions; insurance producers
    A. In this article, unless the context otherwise requires, "motor vehicle" means a licensed land, motor-driven vehicle but does not mean: 1. A private passenger...
  • 20-1632 - Cancellation, nonrenewal and reduction of limits for reasons other than nonpayment of premium; notices to insured; refund of unearned premium
    A. A notice by the insurer to the policyholder of nonrenewal, cancellation or reduction in the limits of liability or coverage for reasons other than...
  • 20-1632.01 - Cancellation or nonrenewal for nonpayment of premium; grace period; notice of cancellation; discrimination; definition
    A. In motor vehicle insurance policies there shall be a provision that the policyholder is entitled to a minimum grace period of seven days for...
  • 20-1633 - Objections; investigation; determination
    A. Any individual who believes cancellation or nonrenewal of the individual's policy is arbitrary, capricious or otherwise in violation of this article or who believes...
  • 20-1634 - Immunity
    The director of insurance or any person who in good faith furnishes to the insured or insurer information as to reasons for cancellation or non-renewal...
  • 20-1651 - Application; types of risks
    This article shall apply to policies of insurance, other than motor vehicle insurance and workers' compensation insurance, on risks located or resident in this state...
  • 20-1652 - Grounds for valid notice of cancellation; inquiries; definitions
    A. After a policy has been in effect for sixty days or, if the policy is a renewal, effective immediately, no notice of cancellation may...
  • 20-1653 - Mailing of notice of cancellation or nonrenewal to insured; statement of grounds and facts on which cancellation or nonrenewal is based
    All notices of cancellation or nonrenewal shall be in writing, shall be mailed to the named insured at the address shown in the policy or...
  • 20-1654 - Mailing or delivery of notice of intention not to renew to insured; time; term of policy
    A. Unless the insurer, at least thirty days in advance of the end of the policy period, mails or delivers to the named insured at...
  • 20-1655 - Liability of insurer and representatives for statements in notice of cancellation, other communication or evidence given in court relating to cancellation
    There shall be no liability on the part of, and no cause of action of any nature shall arise against, any insurer or its authorized...
  • 20-1656 - Proof of mailing as proof of notice
    Proof of mailing of a notice of cancellation and the reasons for cancellation or of intention not to renew to the named insured at the...
  • 20-1661 - Definitions
    A. In this article, unless the context otherwise requires: 1. "Direct response solicitation" means any offer by an insurer to persons in this state, either...
  • 20-1662 - Requirements to transact mass marketed insurance
    An insurer extending mass marketed life or health insurance under a group or blanket policy issued outside this state to residents of this state shall,...
  • 20-1663 - Unreasonable mass marketed insurance prohibited; hearing; findings; rules
    A. No mass marketed life or health insurance may continue to be transacted in this state if the director finds that the total charges for...
  • 20-1671 - Scope of article
    This article applies to commercial property insurance policies, commercial liability policies and commercial multi-peril insurance policies other than automobile policies. This article does not apply...
  • 20-1672 - Definitions
    In this article, unless the context otherwise requires: 1. "Cancellation" means termination of a policy at a date other than its expiration date. 2. "Expiration...
  • 20-1673 - Grounds for valid cancellation
    A. No insurer may cancel an insurance policy before the expiration of the agreed term or one year from the effective date of the policy...
  • 20-1674 - Notice of cancellation
    A. No cancellation under section 20-1673 is effective unless the insurer mails a copy of the notice of cancellation to the insured's agent and written...
  • 20-1675 - Liability of insurer and representatives for statements in notice of cancellation, other communication or evidence given in court relating to cancellation
    There is no liability on the part of and no cause of action of any nature arises against any insurer or its authorized representatives, agents...
  • 20-1676 - Notice of nonrenewal
    A. This article does not apply to the nonrenewal of insurance policies except as provided in subsection B. B. No nonrenewal of any policy of...
  • 20-1677 - Notice of premium or coverage changes
    A. An insurer shall mail or deliver to the named insured at the mailing address shown on the policy written notice of premium increase, change...
  • 20-1678 - Proof of notice
    Proof of mailing of the notice or cancellation, or of nonrenewal or of premium or coverage changes, to the named insured at the address shown...
  • 20-1679 - Application and effective date
    This article applies only to policies with coverage effective dates that are after the effective date of this article.
  • 20-1691 - Definitions
    In this article, unless the context otherwise requires: 1. "Applicant" means: (a) In the case of an individual long-term care insurance policy, the person who...
  • 20-1691.01 - Applicability and scope
    A. Except as otherwise provided in this article, this article applies to all long-term care insurance policies delivered or issued for delivery in this state....
  • 20-1691.02 - Adoption of rules
    The director may adopt reasonable rules to implement this article, including rules that: 1. Establish specific standards for policy provisions of long-term care insurance policies,...
  • 20-1691.03 - Limitations of long‑term care insurance policies
    20-1691.03. Limitations of long-term care insurance policies A. No insurer may cancel, fail to renew or otherwise terminate a long-term care insurance policy solely on...
  • 20-1691.04 - Requirements for certain group coverage
    A. Before advertising, marketing or offering a policy within this state issued to a group defined in section 20-1691, paragraph 5, subdivision (c), the association...
  • 20-1691.05 - Prior institutionalization
    A. A long-term care insurance policy delivered or issued for delivery in this state on or after July 1, 1990 shall not condition availability of...
  • 20-1691.06 - Outline of coverage; certificate
    A. An outline of coverage shall be delivered to an applicant for a long-term care insurance policy at the time of initial solicitation through means...
  • 20-1691.07 - Right to return
    A. A person insured under a long-term care insurance policy or certificate shall have the right to return the policy or certificate within thirty days...
  • 20-1691.08 - Rate and form review; disapproval
    A. A person shall not deliver or issue for delivery in this state any long-term care insurance policy or rate unless the person has first...
  • 20-1691.09 - Penalties
    In addition to any other penalty provided by law, an insurer or insurance producer who is found to have violated any provision relating to the...
  • 20-1691.10 - Contestable periods
    A. If a policy or certificate has been in force for less than six months, an insurer may rescind a long-term care insurance policy or...
  • 20-1691.11 - Nonforfeiture benefits
    A. Except as provided in subsection B of this section, a person shall not deliver or issue for delivery in this state a long-term care...
  • 20-1691.12 - Insurance producer training course requirements
    A. An individual may not sell, solicit or negotiate long-term care insurance unless the individual: 1. Is licensed as an insurance producer for accident and...
  • 20-1692 - Definitions
    In this article, unless the context otherwise requires: 1. "Alternate recipient" means a child of a participant who has a right to enrollment under a...
  • 20-1692.01 - Requirements for coverage
    A. If a group health plan provides coverage for the dependent children of participants or beneficiaries under the plan, the plan shall provide benefits to...
  • 20-1692.02 - Eligibility under title XIX of the social security act
    A. An insurer, hospital and medical service corporation, health care services organization group health plan shall not consider the availability of or a person's eligibility...
  • 20-1692.03 - Coverage of children
    A. Insurers, hospital and medical service corporations, health care services organizations, group health plans and prepaid dental plans shall not deny enrollment of a child...
  • 20-1693 - Definitions
    In this article, unless the context otherwise requires: 1. "Customer" means a person who purchases portable electronics or services. 2. "Enrolled customer" means a customer...
  • 20-1693.01 - Licensure of vendors
    A. The director may issue, and a vendor who intends to sell or offer insurance coverage under a portable electronics insurance policy is required to...
  • 20-1693.02 - Portable electronics insurance; requirements; disclosures
    A. At every location where portable electronics insurance is offered to customers, brochures or other written materials must be made available to a prospective customer...
  • 20-1693.03 - Portable electronics vendors; authority; charges for portable electronics insurance; accounting
    A. The employees and authorized representatives of vendors may sell or offer portable electronics insurance to customers and shall not be subject to licensure as...
  • 20-1693.04 - Suspension or revocation of license
    If a vendor or its employee or authorized representative violates any provision of this article, the director may impose penalties pursuant to section 20-295, including...
  • 20-1693.05 - Termination of portable electronics insurance; notice
    A. Notwithstanding any other law: 1. An insurer may terminate or otherwise change the terms and conditions of a portable electronics insurance policy only on...
  • 20-1693.06 - Application of existing laws
    To the extent not inconsistent with this article, sections 20-281, 20-289 and 20-289.01, section 20-290, subsection A and sections 20-291, 20-292, 20-295, 20-296, 20-297, 20-299,...
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    Last modified: August 20, 2013