California Insurance Code ARTICLE 6.3 - Senior Insurance

• Section 785.
  (a) All insurers, brokers, agents, and others engaged in the transaction of insurance owe a prospective insured who is 65 years of age or older, a...
• Section 785.1.
  (a) (1) An insurance broker or agent shall not participate in, be associated with, or employ any party that participates in, or is associated with, the origination...
• Section 785.4.
  (a) It shall be unlawful for any insurance agent who is not licensed as an attorney to deliver to a person who is 65 years of...
• Section 785.5.
  An insurance broker or agent shall not participate in, be associated with, or employ any party that participates in, or is associated with, obtaining veterans...
• Section 786.
  All individual and group disability insurance policies and certificates, and all group life insurance policies and certificates offered for sale to individuals age 65 or...
• Section 786.5.
  (a) All brokers, agents, or other entities offering a contract of disability insurance to persons 65 years of age or older in this state shall provide...
• Section 787.
  Any advertisement or other device designed to produce leads based on a response from a potential insured that is directed towards persons 65 years of...
• Section 787.1.
  (a) The following definitions apply to this section:(1) “Senior designation” means any degree, title, credential, certificate, certification, accreditation, or approval, that expresses or implies that a broker...
• Section 788.
  An insurer, agent, broker, or other person engaged in the transaction of insurance shall not knowingly recommend for sale, or sell, disability insurance providing health...
• Section 788.5.
  No insurer, broker, agent, or other person shall cause an insured aged 65 years or older to replace a disability insurance policy or certificate unnecessarily.(a) No...
• Section 788.7.
  No insurer, broker, agent, or other person shall knowingly recommend for purchase or sell disability insurance to a person age 65 or older which results...
• Section 789.
  (a) The commissioner shall have the administrative authority to assess penalties against insurers, brokers, agents, and other entities engaged in the transaction of insurance or any...
• Section 789.3.
  (a) Any broker, agent, or other person or other entity engaged in the transactions of insurance, other than an insurer, who violates this article is liable...
• Section 789.5.
  If any provision of this article or the application thereof to any person or circumstances is held invalid, that invalidity shall not affect other provisions...
• Section 789.6.
  (a) Insurance policies or certificates of disability insurance sold to persons age 65 or older shall return to policyholders or certificate holders benefits that have a...
• Section 789.7.
  (a) Sales of disability insurance regulated by this article, as well as Medicare supplement insurance and long-term care insurance sold to persons aged 65 years or...
• Section 789.8.
  (a) “Elder” for purposes of this section means any person residing in this state who is 65 years of age or older.(b) If a life agent offers...
• Section 789.9.
  (a) In addition to any other reasons that a sale of an individual annuity to a senior may violate any provision of law, an annuity shall...
• Section 789.10.
  (a) This section applies to the sale, offering for sale, or generation of leads for the sale of life insurance, including annuities, to senior insureds or...

Last modified: October 22, 2018