California Insurance Code ARTICLE 3.7 - Consumer Protection

• Section 10234.8.
  (a) With regard to long-term care insurance, all insurers, brokers, agents, and others engaged in the business of insurance owe a policyholder or a prospective policyholder...
• Section 10234.85.
  No insurer, broker, agent, or other person shall cause a policyholder to replace a long term care insurance policy unnecessarily. Nothing in this section shall...
• Section 10234.86.
  (a) Every insurer shall maintain records for each agent of that agent’s amount of replacement sales as a percent of the agent’s total annual sales and...
• Section 10234.87.
  (a) If an insurer replaces a policy or certificate that it has previously issued, the insurer shall recognize past insured status by granting premium credits toward...
• Section 10234.9.
  (a) Every insurer providing long-term care coverage in California shall provide a copy of any advertisement intended for use in California to the commissioner for review...
• Section 10234.93.
  (a) Every insurer of long-term care in California shall:(1) Establish marketing procedures to ensure that any comparison of policies by its agents or other producers will be...
• Section 10234.95.
  (a) Every insurer or other entity marketing long-term care insurance shall:(1) Develop and use suitability standards to determine whether the purchase or replacement of long-term care insurance...
• Section 10234.97.
  (a) Any time long-term care coverage is replaced, the sales commission that is paid by the insurer and that represents the percentage of the sale normally...

Last modified: October 22, 2018