General Laws of Massachusetts - Chapter 175 Insurance

• Massachusetts General Laws - Definitions - Chapter 175, Section 1
  The following words, as used in this chapter, unless the context otherwise requires or a different meaning is specifically prescribed, shall have the following meanings:...
• Massachusetts General Laws - Insurance contract; definition - Chapter 175, Section 2
  A contract of insurance is an agreement by which one party for a consideration promises to pay money or its equivalent, or to do an...
• Massachusetts General Laws - Reinsurance contracts; status - Chapter 175, Section 2A
  Contracts of reinsurance shall be deemed contracts of insurance as defined in section two, and authority to make contracts of insurance shall include authority to...
• Massachusetts General Laws - Readability of policy form; definition; approval; actions based on language - Chapter 175, Section 2B
  1. No policy form of insurance shall be delivered or issued for delivery to more than fifty policyholders in the commonwealth until a copy of...
• Massachusetts General Laws - Unauthorized insurance, annuity or variable annuity contracts; prohibition - Chapter 175, Section 3
  No company shall make a contract of insurance or annuity, including any such insurance or annuity contract which is a contract on a variable basis,...
• Massachusetts General Laws - Administration and enforcement of insurance laws by commissioner of insurance; report of violations - Chapter 175, Section 3A
  The commissioner shall administer and enforce the provisions of this chapter, chapter one hundred and fifty-six B insofar as made applicable under this chapter, except...
• Massachusetts General Laws - Action for injunction restraining violations of chapter - Chapter 175, Section 3B
  The attorney general may, at the request of the commissioner, maintain and prosecute, in the name of the commonwealth, an action against any insurer, its...
• Massachusetts General Laws - Promulgation of regulations defining certain terms relating to medical insurance - Chapter 175, Section 3C
  The commissioner shall promulgate regulations, subject to the approval of the commissioner of medical assistance, defining “qualified medical insurance”, “qualified individual medical insurance”, “qualified two-person...
• Massachusetts General Laws - Examination of companies - Chapter 175, Section 4
  (1) Before granting licenses or certificates of authority to a company to issue policies of insurance or annuity or pure endowment contracts, the commissioner shall...
• Massachusetts General Laws - Provision of data to commissioner by homeowners insurers and joint underwriting association; access to confidential data; annual report to general court - Chapter 175, Section 4A
  As of July first, nineteen hundred and ninety-six, and annually thereafter, each admitted insurer writing homeowners insurance in the commonwealth, in accordance with the provisions...
• Massachusetts General Laws - Annual report to commissioner of cancellations and non-renewals of homeowners policies - Chapter 175, Section 4B
  The commissioner, each year, shall direct and cause the twenty-five admitted insurers with the largest homeowners market share in the commonwealth, based upon statewide written...
• Massachusetts General Laws - Nondiscrimination in provision, renewal, or cancellation of homeowners insurance - Chapter 175, Section 4C
  No insurer licensed to write and engaged in the writing of homeowners insurance in this commonwealth nor the joint underwriting association, formed pursuant to the...
• Massachusetts General Laws - Coverage to be made available to residential owners for release of heating oil - Chapter 175, Section 4D
  (a) As used in this section, unless the context clearly requires otherwise, “residential property” shall mean a 1 to 4-unit dwelling used for living or...
• Massachusetts General Laws - Refusal to issue or renew private passenger motor vehicle insurance policy based on credit information prohibited - Chapter 175, Section 4E
  No insurer engaged in writing private passenger motor vehicle insurance in the commonwealth shall, in connection with underwriting of said insurance, refuse to issue or...
• Massachusetts General Laws - Revocation or suspension of license of foreign company; grounds; notice; appeal - Chapter 175, Section 5
  If the commissioner is satisfied, upon examination or other evidence submitted to him, that any foreign company is insolvent or is in an unsound financial...
• Massachusetts General Laws - Injunction and appointment of receiver for domestic company; grounds - Chapter 175, Section 6
  If it appears to the commissioner that the capital of a domestic stock company other than a life company is impaired to the extent of...
• Massachusetts General Laws - Repealed, 1925, 154, Sec. 6 - Chapter 175, Section 7
  Repealed, 1925, 154, Sec.
• Massachusetts General Laws - Repealed, 1924, 406, Sec. 17 - Chapter 175, Section 8
  Repealed, 1924, 406, Sec.
• Massachusetts General Laws - Summoning of witnesses - Chapter 175, Section 8A
  At any hearing which the commissioner is authorized by law to hold, he may by summons require the attendance and testimony of witnesses and the...
• Massachusetts General Laws - Computation of reserve liability or net value of life company with respect to policies or contracts - Chapter 175, Section 9
  1. The commissioner shall each year compute, or cause to be computed, the reserve liability or net value on December thirty-first of the preceding year...
• Massachusetts General Laws - Computation of claim fluctuation reserve of domestic life insurance company - Chapter 175, Section 9A
  (1) In addition to the reserve liability of life insurance companies computed in accordance with the requirements of section nine, the commissioner shall each year...
• Massachusetts General Laws - Annual actuary opinion - Chapter 175, Section 9B
  (A) Every life insurance company doing business in the commonwealth shall annually submit the opinion of a qualified actuary as to whether the reserves and...
• Massachusetts General Laws - Liability of company other than life company and health maintenance organization upon its contracts of insurance - Chapter 175, Section 10
  The commissioner shall determine the liability of a company other than a life company or a health maintenance organization as defined in chapter 175G, upon...
• Massachusetts General Laws - Computation of assets and liabilities - Chapter 175, Section 11
  In addition to the reserve provided for in sections 9 and 10, the commissioner shall charge to each company the liabilities, and allow to the...
• Massachusetts General Laws - Valuation of investments - Chapter 175, Section 11A
  Investments shall be valued in accordance with the published valuation standards of the National Association of Insurance Commissioners and in accordance with accounting practices and...
• Massachusetts General Laws - Computation of reserve required of liability company - Chapter 175, Section 12
  The commissioner shall each year compute the reserve required of liability companies for outstanding losses under insurance against loss or damage from accident to or...
• Massachusetts General Laws - Repealed, 2004, 123, Sec. 11 - Chapter 175, Section 12A
  Repealed, 2004, 123, Sec.
• Massachusetts General Laws - Repealed, 1923, 39, Sec. 3 - Chapter 175, Section 13
  Repealed, 1923, 39, Sec.
• Massachusetts General Laws - Charges and fees - Chapter 175, Section 14
  He shall collect from the applicant and pay to the commonwealth charges and fees to be determined annually by the commissioner of administration under the...
• Massachusetts General Laws - Committee on Valuation of Securities of National Association of Insurance Commissioners; assessment of expenses - Chapter 175, Section 14A
  If, in the valuation of securities held by a domestic life company, it becomes necessary or expedient for the commissioner to contribute to the expenses...
• Massachusetts General Laws - Repealed, 1993, 226, Sec. 14 - Chapter 175, Section 15
  Repealed, 1993, 226, Sec.
• Massachusetts General Laws - Record of proceedings; certified copies - Chapter 175, Section 16
  He shall preserve in a permanent form a record of his proceedings, including a concise statement of the result of official examinations of companies. He...
• Massachusetts General Laws - Annual report to the general court - Chapter 175, Section 17
  He shall annually, and as early as is consistent with full and accurate preparation, make a report to the general court of his official transactions,...
• Massachusetts General Laws - Conduct of business in corporate name; publication of assets and liabilities - Chapter 175, Section 18
  Every company shall conduct its business in the commonwealth in its corporate name and all policies and contracts, other than contracts of corporate suretyship, issued...
• Massachusetts General Laws - Repealed, 1931, 426, Sec. 273 - Chapter 175, Section 19
  Repealed, 1931, 426, Sec.
• Massachusetts General Laws - Merger or consolidation; domestic corporations - Chapter 175, Section 19A
  Two or more domestic companies may merge or consolidate into one corporation, or a domestic company may merge or consolidate with any company or companies...
• Massachusetts General Laws - Merger or consolidation; formation of foreign corporation - Chapter 175, Section 19B
  A domestic company, or two or more domestic companies transacting the same class or classes of business or together transacting one or more classes of...
• Massachusetts General Laws - Merger or consolidation; rights of minority stockholders - Chapter 175, Section 19C
  If any stockholder of a domestic company merging or consolidating under the authority of section nineteen A or nineteen B objects to the proposed merger...
• Massachusetts General Laws - Conversion from stock to mutual company - Chapter 175, Section 19D
  Any domestic stock life insurance company or any domestic stock insurance company transacting business solely under subdivisions (a) and (d) of clause Sixth of section...
• Massachusetts General Laws - Conversion from mutual to stock company - Chapter 175, Section 19E
  Upon compliance with the requirements and completion of the proceedings prescribed by this section, a domestic mutual life insurance company may (i) convert into a...
• Massachusetts General Laws - Reorganization as domestic stock insurer owned by mutual holding company - Chapter 175, Section 19F
  Upon compliance with the requirements and completion of the proceedings prescribed by sections 19G to 19W, inclusive, a domestic mutual insurance company may be reorganized...
• Massachusetts General Laws - Definitions applicable to Secs. 19F to 19W - Chapter 175, Section 19G
  As used in sections 19F to 19W, inclusive, the following words shall, unless the context requires otherwise, have the following meanings:— “Adoption date”, the date...
• Massachusetts General Laws - Plan of reorganization; public hearing; approval of plan; meeting - Chapter 175, Section 19H
  (a) The plan of reorganization shall include appropriate proceedings for amending the mutual insurer’s articles of organization to give effect to the reorganization from a...
• Massachusetts General Laws - Receipt of fee, commission or valuable consideration for aiding, promoting or assisting in reorganization - Chapter 175, Section 19I
  No director, officer, agent or employee of the reorganizing insurer, or any other person, shall receive any fee, commission or other valuable consideration whatsoever, other...
• Massachusetts General Laws - Withdrawal or amendment of plan of reorganization - Chapter 175, Section 19J
  At any time before the plan of reorganization becomes effective as provided in subsections (a) to (n), inclusive, of section 19K, the mutual insurer may,...
• Massachusetts General Laws - Issuance of certificate of authority to reorganized insurer; approval of articles of organization; status upon effective date of plan; rights of members - Chapter 175, Section 19K
  Upon consent by the commissioner to the plan of reorganization of a mutual insurer and filing of the plan of reorganization in accordance with the...
• Massachusetts General Laws - Actions concerning plan or proposed plan of reorganization or plan amendment or proposed plan amendment - Chapter 175, Section 19L
  (a) Notwithstanding any general or special law to the contrary and except as otherwise provided in subsections (c) and (d), actions concerning any plan of...
• Massachusetts General Laws - Amendment of amended articles of organization or plan of reorganization upon effective date; vote - Chapter 175, Section 19M
  (a) The amended articles of organization of a reorganized insurer that have been adopted pursuant to a plan of reorganization and filed with the state...
• Massachusetts General Laws - Continued use of word “mutual” in name of reorganized insurer - Chapter 175, Section 19N
  If the name of a mutual insurer reorganizing to a stock insurer pursuant to sections 19F to 19W, inclusive, includes the word mutual, the new...
• Massachusetts General Laws - Transfer of assets and liabilities of reorganized insurer - Chapter 175, Section 19O
  In addition to any dividend in compliance with section 72, a reorganized insurer may, either pursuant to the plan of reorganization or upon the prior...
• Massachusetts General Laws - First offer of voting stock after effective date of plan of reorganization; application - Chapter 175, Section 19P
  (a) The offering of voting stock by the reorganized insurer or intermediate stock holding company to any person other than the mutual holding company or...
• Massachusetts General Laws - Mutual life insurer as reorganizing insurer; establishment of closed block or alternate method for protection of existing policyholders’ contractual rights - Chapter 175, Section 19Q
  In the case of a reorganizing insurer that is a mutual life insurer, upon the effective date the reorganizing insurer shall, at its option, either:...
• Massachusetts General Laws - Additional requirements applicable to reorganizing insurers, intermediate stock holding companies and mutual holding companies - Chapter 175, Section 19R
  Other requirements applicable to a reorganizing insurer, an intermediate stock holding company and a mutual holding company shall be as follows: (1) Notwithstanding any other...
• Massachusetts General Laws - Merger or consolidation of two or more mutual holding companies; written agreement of terms and conditions; pending actions, obligations and liabilities - Chapter 175, Section 19S
  (a) Two or more mutual holding companies, at least one of which is a domestic company, may merge or consolidate under the laws of any...
• Massachusetts General Laws - Domestic mutual insurance company reorganizing with existing domestic or foreign mutual holding company; terms and conditions - Chapter 175, Section 19T
  (a) By complying with the provisions of sections 19F to 19W, inclusive, a domestic mutual insurance company may reorganize with an existing domestic or foreign...
• Massachusetts General Laws - Conversion of domestic mutual holding company into domestic stock corporation - Chapter 175, Section 19U
  (a) A domestic mutual holding company may convert into a domestic stock corporation pursuant to a plan of conversion which complies with subsection (b). (b)(1)...
• Massachusetts General Laws - Transactions entered into by mutual insurers for purpose of avoiding total gross investment income earned excise - Chapter 175, Section 19V
  Any transaction entered into by a mutual insurer, either during or after the reorganization process authorized by sections 19F to 19W, inclusive, a principal purpose...
• Massachusetts General Laws - Promulgation of regulations - Chapter 175, Section 19W
  The commissioner shall promulgate regulations necessary to implement the provisions of sections 19F to 19U, inclusive.
• Massachusetts General Laws - Disclosure by mutual companies of compensation paid to executive officers and directors - Chapter 175, Section 19X
  (a) A mutual company, as defined in section 19G, shall provide clear, concise and understandable disclosure of all compensation awarded to, earned by or paid...
• Massachusetts General Laws - Reinsurance - Chapter 175, Section 20
  (a) A domestic company, except as herein provided, may reinsure in any other company any part or all of any risks assumed by it, and...
• Massachusetts General Laws - Credit for reinsurance; requirements - Chapter 175, Section 20A
  (1) Credit for reinsurance shall be allowed a domestic ceding insurer as either an asset or a deduction from liability on account of reinsurance ceded...
• Massachusetts General Laws - Limitation of amount insured in single risk; penalty - Chapter 175, Section 21
  No company other than a life company shall insure in a single risk an amount larger than ten percent of its surplus to policyholders, unless...
• Massachusetts General Laws - Unauthorized policy provisions; effect - Chapter 175, Section 22
  No company and no officer or agent thereof shall make, issue or deliver any policy of insurance or any annuity or pure endowment contract containing...
• Massachusetts General Laws - Combination of hazards; approval - Chapter 175, Section 22A
  No company shall issue any policy of insurance which provides coverage against loss or damage caused by hazards specified in more than one of the...
• Massachusetts General Laws - Waivers of provisions of this chapter; prohibition; penalty - Chapter 175, Section 22B
  No company and no officer, agent or employee thereof, and no insurance broker, shall make, issue or deliver any policy of insurance or any annuity...
• Massachusetts General Laws - Cancellation of motor vehicle policies - Chapter 175, Section 22C
  No company shall issue any policy of insurance which provides coverage, as described in section thirty-four O of chapter ninety, or coverage against loss or...
• Massachusetts General Laws - Statement of reasons for cancellation; liability - Chapter 175, Section 22D
  There shall be no liability on the part of and no cause of action of any nature shall arise against the commissioner of insurance, employees...
• Massachusetts General Laws - Refusal to issue, renew or execute motor vehicle liability policy or bond - Chapter 175, Section 22E
  No insurance company, and no officer or agent thereof in its behalf, shall refuse to issue, renew or execute as surety a motor vehicle liability...
• Massachusetts General Laws - Repealed, 1973, 551, Sec. 3 - Chapter 175, Section 22F 22G
  Repealed, 1973, 551, Sec.
• Massachusetts General Laws - Refusal to issue or renew motor vehicle liability policies or bonds; suspension of license; public hearings; definitions - Chapter 175, Section 22H
  If any company refuses to issue motor vehicle liability policies or bonds as set forth in sections thirty-four A and thirty-four O of chapter ninety...
• Massachusetts General Laws - Amounts received in settlement of claims retained for unpaid premiums - Chapter 175, Section 22I
  Any insurance company, broker or agent may retain an amount equal to any unpaid premium due on the policy under which a claim is being...
• Massachusetts General Laws - Life company; impairment of funds; issuance of policies; penalty - Chapter 175, Section 23
  No life company whose actual funds, exclusive of its capital, are not of a net cash value equal to its liabilities, including the net value...
• Massachusetts General Laws - Certain occurrences affecting insurance companies; notice to commissioner - Chapter 175, Section 23A
  Every stock company, every foreign company described in section one hundred and fifty-five and every mutual company having a guaranty capital or guaranty fund, other...
• Massachusetts General Laws - Life insurance policies; accidental death, disability benefits; approval - Chapter 175, Section 24
  Any life company, whether or not it is authorized to transact accident and health insurance under clause sixth of section forty-seven, may provide in its...
• Massachusetts General Laws - Refusal to issue policy or limits on coverages based on sex of insured; prohibition - Chapter 175, Section 24A
  No company authorized to issue policies of accident or sickness insurance, policies providing coverage against disability from injury or disease, or policies of life or...
• Massachusetts General Laws - Modification in covered services or payments; prior notice of modification; contents of notices - Chapter 175, Section 24B
  The commissioner shall require that a policy, contract, agreement, plan or certificate of insurance for coverage of health care services, including any self-insured sickness, health...
• Massachusetts General Laws - Repealed, 1996, 376, Sec. 1 - Chapter 175, Section 24C
  Repealed, 1996, 376, Sec.
• Massachusetts General Laws - Lump sum insurance payments; exchange of claimant information between IV-D agency and insurance companies; withholding of past-due child support subject to lien - Chapter 175, Section 24D
  (a) Prior to making any nonrecurring payment equal to or in excess of $500 to a claimant under a contract of insurance, every company authorized...
• Massachusetts General Laws - Duty to assist recovery of public benefits; denial of claims; penalties; electronic access; wrongful use; emergencies - Chapter 175, Section 24E
  (a) Notwithstanding the provisions of any general or special law or rule or regulation to the contrary, prior to making any nonrecurring payment equal to...
• Massachusetts General Laws - Duty to exchange information with department of revenue; definitions; penalties for failure to exchange information; exceptions - Chapter 175, Section 24F
  (a) Subject to the requirements of sections 24D and 24E, which shall take precedence over this section, before making any nonrecurring payment equal to or...
• Massachusetts General Laws - Annual statements; form; contents - Chapter 175, Section 25
  Every company shall annually, on or before March first or sixty days from such date authorized by the commissioner, file with the commissioner a statement...
• Massachusetts General Laws - Workers’ compensation providers; annual reports; contents - Chapter 175, Section 25A
  The commissioner of insurance shall provide by regulation for an annual report to be filed by each insurer writing workers’ compensation insurance in the commonwealth....
• Massachusetts General Laws - Failure to make and file annual statements; penalty - Chapter 175, Section 26
  A company neglecting to make and file its annual statement or the materials required by the commissioner to be filed with the National Association of...
• Massachusetts General Laws - Annual statements; inclusion of schedule of claims made subject of suits - Chapter 175, Section 27
  Every company shall include in its annual statement under section twenty-five a schedule of all claims under policies issued by it to persons in the...
• Massachusetts General Laws - Undue delay or litigation of claims; commissioner’s report to general court - Chapter 175, Section 28
  If, upon inspection of a schedule specified in the preceding section or upon any examination or investigation under section four, the commissioner is satisfied that...
• Massachusetts General Laws - Companies subject to this chapter - Chapter 175, Section 29
  All companies now or hereafter incorporated or formed by authority of any general or special law of the commonwealth shall, except as provided in section...
• Massachusetts General Laws - Applicability of other laws to certain domestic companies; “stockholder” defined - Chapter 175, Section 30
  (a) So far as pertinent and not in conflict with express provisions of this chapter, with other provisions of law relative to such companies or...
• Massachusetts General Laws - Continuation of certain domestic companies - Chapter 175, Section 31
  Domestic companies incorporated by special acts, whose charters are subject to a limitation of time, shall, after such limitation expires, continue to be bodies corporate,...
• Massachusetts General Laws - Domestic companies formed by special acts; extension of territorial limits - Chapter 175, Section 31A
  Domestic companies incorporated by special acts, whose charters grant authority to transact insurance within a limited or defined territory, may, notwithstanding such limitations, transact insurance...
• Massachusetts General Laws - Commencement of domestic company business; certificate; conditions precedent - Chapter 175, Section 32
  No domestic company shall make or issue any contracts or policies of insurance or annuity or pure endowment contracts until it has obtained from the...
• Massachusetts General Laws - Policies and endorsements; signatures; facsimile - Chapter 175, Section 33
  All such policies or contracts issued by such company shall be signed by its secretary or an assistant secretary, or in their absence by a...
• Massachusetts General Laws - Home office; change of address; perjury - Chapter 175, Section 34
  The directors of such company may at any time, and from time to time, change the home office of the company; provided, that no such...
• Massachusetts General Laws - Salaries of officers, trustees or directors of domestic company; authorization; limitations - Chapter 175, Section 35
  No domestic company shall pay any salary or compensation to its five most highly compensated officers, trustees or directors or to any additional officers, trustees...
• Massachusetts General Laws - Pension for domestic company employees - Chapter 175, Section 36
  Any domestic company, when authorized so to do by a vote in each case of not less than a majority of its directors, at a...
• Massachusetts General Laws - Agents and agency employees; retirement or insurance benefits - Chapter 175, Section 36A
  Any domestic life company or any domestic company transacting business solely under subdivisions (a) and (d) of clause sixth of section forty-seven may establish a...
• Massachusetts General Laws - Health and accident insurance companies; employees insurance benefits - Chapter 175, Section 36B
  Any domestic company which is authorized to transact business under subdivisions (a) and (d) of clause Sixth of section forty-seven may establish a plan to...
• Massachusetts General Laws - Vouchers for disbursements - Chapter 175, Section 37
  No domestic company shall make any disbursements of twenty-five dollars or more, except disbursements on account of return premiums on cancelled policies, unless the same...
• Massachusetts General Laws - Relief fund contributions by domestic company; charitable, scientific or educational contributions - Chapter 175, Section 37A
  (a) Every domestic company may, by vote of its directors, contribute such sum or sums of money as said directors may determine to be reasonable...
• Massachusetts General Laws - Repealed, 1923, 120 - Chapter 175, Section 38 to 43
  Repealed, 1923,
• Massachusetts General Laws - Failure of domestic company to timely commence business; organization under special act; withdrawal from insurance business and continuance as business corporation - Chapter 175, Section 44
  If any domestic company shall not commence to issue policies within one year after the date of its charter or of its certificate of organization,...
• Massachusetts General Laws - Unauthorized agencies; penalty - Chapter 175, Section 45
  No domestic company shall establish an agency or appoint an agent or other person to solicit, negotiate, continue or renew contracts of insurance on lives,...
• Massachusetts General Laws - Insolvent domestic companies; preference of claims for unpaid losses - Chapter 175, Section 46
  When any domestic company becomes insolvent, or is unable to pay in full its liabilities as set forth in sections ten, eleven and twelve, claims...
• Massachusetts General Laws - Insolvent domestic workers’ compensation insurer; preference of claims for unpaid losses under workers’ compensation policies - Chapter 175, Section 46A
  Except as otherwise provided in section 180F, when any domestic company which has insured the payment of the compensation provided for by chapter one hundred...
• Massachusetts General Laws - By-laws of domestic insurance companies; filings - Chapter 175, Section 46B
  Every domestic company incorporated after September first, nineteen hundred and twenty-three, shall, within thirty days after its incorporation, file with the commissioner a copy of...
• Massachusetts General Laws - Purposes for which companies may be incorporated under this chapter - Chapter 175, Section 47
  Companies may be incorporated under and subject to the provisions of this chapter for the following purposes:— First, To insure against loss or damage to...
• Massachusetts General Laws - Businesses in which domestic insurance company may engage - Chapter 175, Section 47A
  A domestic insurance company may, notwithstanding any limitation otherwise applicable, and provided it maintains books and records which account for such business, engage directly in...
• Massachusetts General Laws - Mental health benefits; biologically-based mental disorders; mental disorders of rape victims; non-biologically-based mental disorders of children and adolescents under age 19 - Chapter 175, Section 47B
  (a) An individual policy of accident and sickness insurance issued pursuant to section 108, which provides hospital expense and surgical expense insurance, and a group...
• Massachusetts General Laws - Dependent coverage for newborn infants or adoptive children; inclusion in policies of accident and sickness insurance - Chapter 175, Section 47C
  Any blanket or general policy of insurance described in subdivision (A), (C), or (D) of section one hundred and ten which provides hospital expense and...
• Massachusetts General Laws - Cardiac rehabilitation expense benefits - Chapter 175, Section 47D
  Any blanket or general policy of insurance, except a blanket or general policy of insurance which provides supplemental coverage to medicare or other governmental programs,...
• Massachusetts General Laws - Certified nurse midwife services benefits - Chapter 175, Section 47E
  Any blanket or general policy of insurance described in subdivision (A), (C), or (D) of section one hundred and ten which is issued or subsequently...
• Massachusetts General Laws - Prenatal, childbirth and postpartum care benefits; minimum coverage for in-patient care - Chapter 175, Section 47F
  Any blanket or general policy of insurance, except a blanket or general policy of insurance which provides supplemental coverage to medicare or other governmental programs,...
• Massachusetts General Laws - Cytologic screening and mammographic examination expense benefits - Chapter 175, Section 47G
  Any blanket or general policy of insurance described in subdivision (A), (C), or (D) of section one hundred and ten which is issued or subsequently...
• Massachusetts General Laws - Infertility, pregnancy-related benefits - Chapter 175, Section 47H
  Any blanket or general policy of insurance, except a blanket or general policy of insurance which provides supplemental coverage to medicare or other governmental programs,...
• Massachusetts General Laws - Nonprescription enteral formulas for home use - Chapter 175, Section 47I
  Any individual policy of accident and sickness insurance issued pursuant to section one hundred and eight, and any group blanket policy of accident and sickness...
• Massachusetts General Laws - Standardized claim form - Chapter 175, Section 47J
  The commissioner of insurance is hereby directed to produce a standardized claim form to be utilized by all health insurance companies licensed to do business...
• Massachusetts General Laws - Off-label drug use; cancer treatment - Chapter 175, Section 47K
  No individual policy of accident and sickness insurance issued pursuant to section one hundred and eight which provides coverage for prescription drugs, nor any group...
• Massachusetts General Laws - Off-label drug use; cancer; review panel - Chapter 175, Section 47L
  The commissioner shall establish a panel of six medical experts to review off-label uses, so-called, for prescription drugs for the treatment of cancer not included...
• Massachusetts General Laws - Repealed, 1996, 450, Sec. 208 - Chapter 175, Section 47M
  Repealed, 1996, 450, Sec.
• Massachusetts General Laws - Items medically necessary for diagnosis and treatment of diabetes - Chapter 175, Section 47N
  An individual policy of accident and sickness insurance issued pursuant to section 108 which provides hospital expense and surgical expense insurance, except policies providing supplemental...
• Massachusetts General Laws - HIV/AIDS treatment; insurance coverage for certain off-label use of prescription drugs - Chapter 175, Section 47O
  No individual policy of accident and sickness insurance issued or renewed pursuant to section one hundred and eight, which provides coverage for prescription drugs, nor...
• Massachusetts General Laws - Off-label use of prescription drugs for HIV/AIDS treatment; advisory panel - Chapter 175, Section 47P
  The commissioner shall establish an eleven member advisory panel to advise the commissioner on whether off-label uses for HIV/AIDS treatment not included in any of...
• Massachusetts General Laws - Insurance benefits for services rendered by nurse anesthetists and nurse practitioners - Chapter 175, Section 47Q
  All individual or group accident and health insurance policies and health service contracts delivered, issued or renewed by an insurer or nonprofit health service corporation...
• Massachusetts General Laws - Accident and sickness insurance benefits for bone marrow transplants - Chapter 175, Section 47R
  Any individual policy of accident and sickness insurance issued pursuant to section one hundred and eight, and any group blanket policy of accident and sickness...
• Massachusetts General Laws - Accident and sickness insurance benefits for licensed hospice services - Chapter 175, Section 47S
  Any individual policy of accident and sickness insurance issued pursuant to section one hundred and eight, and any group blanket policy of accident and sickness...
• Massachusetts General Laws - Scalp hair prostheses necessary due to cancer or leukemia treatment - Chapter 175, Section 47T
  (a) For the purposes of this section, the following words shall have the following meanings: “Prosthesis”, an artificial appliance used to replace a lost natural...
• Massachusetts General Laws - Emergency services provided to insureds for emergency medical conditions - Chapter 175, Section 47U
  (a) As used in this section, the following words shall have the following meanings: “Attending physician”, the emergency physician or consultant physician who actively treats...
• Massachusetts General Laws - Coverage for human leukocyte or histocompatibility locus antigen testing - Chapter 175, Section 47V
  Any individual policy of accident and sickness insurance issued pursuant to section 108, and any group blanket policy of accident and sickness insurance issued pursuant...
• Massachusetts General Laws - Outpatient services; hormone replacement therapy for peri and post menopausal women; contraceptive services; approved prescription contraceptive drugs or devises; exception - Chapter 175, Section 47W
  (a) Any individual policy of accident and sickness insurance issued pursuant to section 108 and any group blanket policy of accident and sickness insurance issued...
• Massachusetts General Laws - Diagnosis and treatment of speech, hearing and language disorders - Chapter 175, Section 47X
  An individual policy of accident and sickness insurance issued pursuant to section 108 that provides hospital expense and surgical expense insurance and any group blanket...
• Massachusetts General Laws - Coverage for medically necessary hypodermic syringes or needles - Chapter 175, Section 47Y
  (a) No individual policy of accident and sickness insurance issued or renewed pursuant to section 110 shall restrict or discontinue coverage for medically necessary hypodermic...
• Massachusetts General Laws - Coverage for prosthetic devices and repairs - Chapter 175, Section 47Z
  (a) Any blanket or general policy of insurance, except a blanket or general policy of insurance which provides supplemental coverage to Medicare or other governmental...
• Massachusetts General Laws - Coverage for diagnosis and treatment of autism spectrum disorder - Chapter 175, Section 47AA
  (a) As used in this section the following words shall, unless the context clearly requires otherwise, have the following meanings:— “Actuary”, a person who is...
• Massachusetts General Laws - Coverage for telemedicine services - Chapter 175, Section 47BB
  [Text of section added by 2012, 224, Sec. 158. See also, Section 47BB added by 2012, 234, Sec. 3, below.] (a) For the purposes of...
• Massachusetts General Laws - [There is no 175:47CC.] - Chapter 175, Section 47CC
  [There is no
• Massachusetts General Laws - Coverage for orally administered anticancer medications - Chapter 175, Section 47DD
  [Text of section applicable as provided by 2012, 403, Sec. 6.] Any policy, contract, agreement, plan or certificate of insurance issued, delivered or renewed within...
• Massachusetts General Laws - Stock companies; formation; capital; stock; options; promoter defined - Chapter 175, Section 48
  As used in this section, the following words shall, unless the context clearly requires otherwise, have the following meanings:— “Minimum capital”, the common capital stock...
• Massachusetts General Laws - Mutual companies; formation; capital and surplus - Chapter 175, Section 48A
  Ten or more persons, residents of this commonwealth, may form a mutual company, (a) to transact the business set forth in any one of the...
• Massachusetts General Laws - Repealed, 1968, 391, Sec. 7 - Chapter 175, Section 48B 48C
  Repealed, 1968, 391, Sec.
• Massachusetts General Laws - Formation of corporation - Chapter 175, Section 49
  The company shall be formed in the manner described in and be subject to sections eleven, twelve and thirteen of chapter one hundred and fifty-six...
• Massachusetts General Laws - Domestic insurers; requirements; transfer of domicile - Chapter 175, Section 49A
  Any insurer which is organized under the laws of any other state and is admitted to do business in the commonwealth for the purpose of...
• Massachusetts General Laws - Stock companies; amendment of articles of organization - Chapter 175, Section 50
  A stock company may amend and restate its articles of organization as provided in sections seventy, seventy-one and seventy-four of chapter one hundred and fifty-six...
• Massachusetts General Laws - Mutual companies; amendment of articles of organization - Chapter 175, Section 50A
  A mutual company, by a majority vote of those members present and voting, at a meeting duly called for the purpose, may authorize an amendment...
• Massachusetts General Laws - Amendment of articles of organization; submission; approval; filing; effective date - Chapter 175, Section 50B
  Articles of amendment or restatement of articles of organization by any stock or mutual company signed and sworn to by the president and secretary and...
• Massachusetts General Laws - Domestic stock companies; kinds of business that may be transacted; power to combine - Chapter 175, Section 51
  No domestic stock company shall transact any business other than that specified in its charter or agreement of association, except that it may transact the...
• Massachusetts General Laws - Repealed, 1928, 106, Sec. 5 - Chapter 175, Section 52
  Repealed, 1928, 106, Sec.
• Massachusetts General Laws - Repealed, 1922, 76 - Chapter 175, Section 53
  Repealed, 1922,
• Massachusetts General Laws - Domestic mutual companies; kinds of business that may be transacted; power to combine - Chapter 175, Section 54
  No domestic mutual company shall transact any other kind of business than is specified in its charter or agreement of association, except that it may...
• Massachusetts General Laws - Domestic companies; risks and hazards in other states - Chapter 175, Section 54A
  Any domestic company authorized to transact any of the kinds of business specified in the second clause of section forty-seven may, outside the commonwealth, make...
• Massachusetts General Laws - Reinsurance of risks; exceptions - Chapter 175, Section 54B
  Any company authorized to transact the kinds of business specified in any one of the first, second, fourth, sixth or twelfth clauses of section forty-seven...
• Massachusetts General Laws - Motor vehicle insurance - Chapter 175, Section 54C
  Any company authorized to transact the kinds of business specified in the first or second clause, or in subdivision (b) of the sixth clause, of...
• Massachusetts General Laws - Personal property floater - Chapter 175, Section 54D
  Any company authorized to transact the kinds of business specified in any of the first, second, fourth, sixth or twelfth clauses of section forty-seven may...
• Massachusetts General Laws - Dwelling houses; comprehensive and medical coverages - Chapter 175, Section 54E
  Any company authorized to insure against loss or damage by fire, which has been actively engaged in the fire insurance business in one or more...
• Massachusetts General Laws - Commercial property, goods in storage or transit, and other merchandise or equipment; coverage by certain companies in fire insurance policies - Chapter 175, Section 54F
  Any company authorized to insure against loss or damage by fire, which has been actively engaged in the fire insurance business in one or more...
• Massachusetts General Laws - Reinsurance or pooling of risks by life insurance companies; regulations; approval and certificate; restrictions - Chapter 175, Section 54G
  Any company authorized to transact the kinds of business specified in the sixteenth clause of section forty-seven may reinsure either by itself or together with...
• Massachusetts General Laws - Continuation of mutual companies organized to transact employers’ liability insurance or steam boiler insurance - Chapter 175, Section 55
  Mutual companies organized prior to April sixth, nineteen hundred and eleven, to transact employers’ liability insurance may continue such business under the sixth clause of...
• Massachusetts General Laws - Fraternal societies; reincorporation - Chapter 175, Section 56
  Any domestic corporation subject to chapter one hundred and seventy-six and confining its membership to a particular order or fraternity may by a two thirds...
• Massachusetts General Laws - Domestic stock companies; directors; quorum - Chapter 175, Section 57
  The board of directors of each domestic stock company shall consist of not less than five members, and not less than four shall constitute a
• Massachusetts General Laws - Domestic stock companies; duties of directors - Chapter 175, Section 58
  The board of directors shall annually choose by ballot a president, who shall be a member of the board, a secretary, and, if the by-laws...
• Massachusetts General Laws - Domestic stock companies; president and secretary; duties; records; inspection - Chapter 175, Section 59
  The president, or in his absence the vice president, if any, shall preside at all meetings of the directors or stockholders. In the absence of...
• Massachusetts General Laws - Domestic stock companies; bonds of officers - Chapter 175, Section 60
  The secretary, the treasurer, if any, and each assistant secretary, and each assistant treasurer of such a company shall, before entering upon his duties, give...
• Massachusetts General Laws - Repealed, 1970, 876, Sec. 19 - Chapter 175, Section 61
  Repealed, 1970, 876, Sec.
• Massachusetts General Laws - Domestic stock companies; liability of officers - Chapter 175, Section 62
  The directors or other officers of such a company making or authorizing an investment or loan in violation of sections sixty-three, sixty-five or sixty-six shall...
• Massachusetts General Laws - Capital and reserve; payment; investment - Chapter 175, Section 63
  The capital stock and, in the case of a domestic stock life company, the net cash surplus required by section forty-eight shall be paid in...
• Massachusetts General Laws - Limitation on acquisition of or investment in medium grade or lower grade obligations - Chapter 175, Section 63A
  (1) As used in this section the following words shall, unless the context clearly requires otherwise, have the following meaning:— “Medium grade obligation”, obligations which...
• Massachusetts General Laws - Investments - Chapter 175, Section 64
  All investments and deposits of the funds of any such company shall be made either in its corporate name or in the name of a...
• Massachusetts General Laws - Investment in loans upon mortgages - Chapter 175, Section 65
  No domestic company shall, except in effecting the sale of real estate owned by it, and then only with the approval of the commissioner, invest...
• Massachusetts General Laws - Life companies; investments - Chapter 175, Section 66
  Except as otherwise provided, no domestic life company shall invest any of its funds in any unincorporated business or enterprise, or in the stocks or...
• Massachusetts General Laws - Life companies; acquisition of housing projects; limitations - Chapter 175, Section 66A
  Any domestic life company may purchase, lease or acquire by gift or otherwise and hold without any limitation of time any real property, or any...
• Massachusetts General Laws - Life companies; acquisition of realty; limitations - Chapter 175, Section 66B
  Any domestic life company may purchase, lease, acquire by gift or otherwise and hold without any limitation of time any real property, or any interest...
• Massachusetts General Laws - Life companies; investment in stock of insurance companies - Chapter 175, Section 66C
  In addition to stock investments in the stock of a life company authorized by section sixty-six or other provisions of this chapter, a domestic life...
• Massachusetts General Laws - Life companies; investment in and acquisition of stock of subsidiary corporations - Chapter 175, Section 66D
  A domestic life company may invest in, acquire and hold fifty-one percent or more of the capital stock of any corporation as a subsidiary which...
• Massachusetts General Laws - Life companies; investment in limited partnership interests - Chapter 175, Section 66E
  A domestic life company may invest in or otherwise acquire and hold a limited partnership interest in any limited partnership formed pursuant to chapter one...
• Massachusetts General Laws - Acquisition of interest in limited liability company by domestic life company - Chapter 175, Section 66F
  A domestic life company may invest in or otherwise acquire and hold a limited liability company interest in any limited liability company formed pursuant to...
• Massachusetts General Laws - Life companies; charter limitations on investments; exception - Chapter 175, Section 67
  Nothing in the charter of any domestic mutual life company shall limit the investments of such company unless such limitation is contained in the general...
• Massachusetts General Laws - Unauthorized investments; disposition - Chapter 175, Section 68
  All property held by any domestic company the investment in or loan on which by such company is prohibited by this chapter shall be sold...
• Massachusetts General Laws - Impaired capital; assessment; effect of non-compliance with commissioner; order - Chapter 175, Section 69
  If the net assets of the company do not amount to more than three fourths of its capital, it may make good its capital by...
• Massachusetts General Laws - Increase of stated capital - Chapter 175, Section 70
  A company which shall increase its stated capital by issue of additional shares of any class of its capital stock, whether by way of a...
• Massachusetts General Laws - Reduction of stated capital - Chapter 175, Section 71
  No company shall reduce its stated capital to an amount less than required by section forty-eight or fifty-one nor shall it reduce such capital unless...
• Massachusetts General Laws - Dividends - Chapter 175, Section 72
  No stock company shall make a dividend, either in cash or stock certificates, except from its actual net surplus computed as required by law in...
• Massachusetts General Laws - Mutual fire companies; solicitation of business; issuance of policies; restrictions; penalties - Chapter 175, Section 73
  No policy shall be issued by a mutual fire company having no guaranty capital or having a guaranty capital of less than the combined capital...
• Massachusetts General Laws - Mutual fire companies; further insurance by certain companies; certificates - Chapter 175, Section 74
  No mutual fire company operating on the cash premium plan as provided in section eighty-one, nor any mutual fire company with a guaranty capital of...
• Massachusetts General Laws - Mutual fire companies; underwriters; compensation - Chapter 175, Section 75
  No officer or other person whose duty it is to determine the character of the risks, and upon whose decision the application shall be accepted...
• Massachusetts General Laws - Mutual fire companies; members; annual meetings; voting rights - Chapter 175, Section 76
  Every person insured by a mutual fire company shall be a member while his policy is in force, entitled to one vote for each policy...
• Massachusetts General Laws - Mutual fire companies; directors - Chapter 175, Section 77
  The number of the board of directors of every such company and requirements for eligibility, if any, shall be fixed by or determined in the...
• Massachusetts General Laws - Mutual fire companies; laws applicable; records; perjury; inspection; jurisdiction - Chapter 175, Section 78
  Such companies shall be subject to the first paragraph of section fifty-eight, except that a treasurer shall be chosen, to the first paragraph of section...
• Massachusetts General Laws - Mutual fire companies; guaranty capital; dividends; retirement - Chapter 175, Section 79
  A mutual fire company may, at the time of its formation or, if two thirds of the votes of its policyholders cast at a meeting...
• Massachusetts General Laws - Mutual fire companies; dividends; accumulated profits - Chapter 175, Section 80
  From time to time the directors of a mutual fire company may by vote fix and determine the percentages of dividend or expiration return of...
• Massachusetts General Laws - Mutual fire companies; premiums; contingent liability - Chapter 175, Section 81
  Mutual fire companies, except as provided in the following section, shall charge and collect upon their policies a full mutual premium in cash or, except...
• Massachusetts General Laws - Mutual fire companies; power of certain companies to take deposit notes - Chapter 175, Section 82
  Mutual fire companies organized prior to May twenty-first, eighteen hundred and eighty-seven, and now lawfully doing business upon the plan of taking deposit notes for...
• Massachusetts General Laws - Mutual fire companies; assessments - Chapter 175, Section 83
  If a mutual fire company is not possessed of assets above its unearned premiums sufficient for the payment of incurred losses and expenses, it shall...
• Massachusetts General Laws - Mutual fire companies; review or order of assessment by supreme judicial court - Chapter 175, Section 84
  If the directors by authority of law make an assessment or call on the members for money, or vote that there exists a necessity therefor,...
• Massachusetts General Laws - Mutual fire companies; penalty for guaranty against assessments; personal liability of officers - Chapter 175, Section 85
  A director or other officer of a mutual fire company who officially or privately gives a guaranty to a policyholder thereof against an assessment to...
• Massachusetts General Laws - Mutual fire companies; non-assessable policies; issuance - Chapter 175, Section 85A
  The commissioner may authorize a mutual fire company, which has and maintains a surplus to policyholders, including any guaranty capital, of not less than the...
• Massachusetts General Laws - Mutual marine companies; subscribers; losses; dividends; redemption fund - Chapter 175, Section 86
  A mutual marine company formed under the second clause of section forty-seven shall have an agreement under the seal of each subscriber thereto, substantially as...
• Massachusetts General Laws - Repealed, 1934, 22 - Chapter 175, Section 87
  Repealed, 1934,
• Massachusetts General Laws - Mutual marine companies; applicability of Secs. 76, 77 and 78 - Chapter 175, Section 88
  Sections seventy-six, seventy-seven and seventy-eight shall apply to all domestic mutual marine companies, and each subscriber to the agreement specified in section eighty-six shall be...
• Massachusetts General Laws - Mutual marine companies; liability of president or director - Chapter 175, Section 89
  If a subscriber to the agreement specified in section eighty-six fails to pay his subscription or any assessment thereon, and it is proved that the...
• Massachusetts General Laws - Provisions relating to mutual fire companies applicable to other mutual companies - Chapter 175, Section 90
  Mutual companies, other than life, formed to transact or transacting business under any one or more of clauses three, four, five, six, seven, eight, nine,...
• Massachusetts General Laws - Policies; issuance by mutual fire and marine and automobile companies; conditions precedent - Chapter 175, Section 90A
  No policy shall be issued by a mutual company formed to transact business under the third clause of section forty-seven, or under clause (b) or...
• Massachusetts General Laws - Policies; issuance by mutual fidelity and corporate surety companies; guaranty capital; members - Chapter 175, Section 90B
  No policy shall be issued by a mutual company formed to transact business under the fourth clause of section forty-seven until it has established a...
• Massachusetts General Laws - Guaranty fund; creation in lieu of guaranty capital by certain mutual companies - Chapter 175, Section 90C
  Any mutual company empowered by subdivision (e) of section fifty-four to transact the kinds of business set forth in the fourth clause of section forty-seven,...
• Massachusetts General Laws - Repealed, 1924, 406, Sec. 17 - Chapter 175, Section 91
  Repealed, 1924, 406, Sec.
• Massachusetts General Laws - Mutual boiler companies; issuance of policies - Chapter 175, Section 92
  No policy shall be issued by a mutual company formed to transact business under the fifth clause of section forty-seven until insurance has been applied...
• Massachusetts General Laws - Mutual liability companies; issuance of policies - Chapter 175, Section 93
  No policy shall be issued by a mutual company formed to transact business under any one or more of the subdivisions of the sixth clause...
• Massachusetts General Laws - Miscellaneous mutual companies; issuance of policies - Chapter 175, Section 93A
  No policy shall be issued by a mutual company formed to transact business under the seventh, eighth, ninth, tenth, twelfth or thirteenth clause of section...
• Massachusetts General Laws - Mutual surety, liability and casualty companies; issuance of policies; condition precedent - Chapter 175, Section 93B
  No policy shall be issued by a mutual company formed to transact business under clause (d) of section forty-eight A until it has secured the...
• Massachusetts General Laws - Mutual surety, liability and casualty companies; guaranty fund; establishment - Chapter 175, Section 93C
  Any mutual company formed or authorized to transact business under the third, fifth, sixth, seventh, eighth, ninth, tenth, twelfth or thirteenth clause of section forty-seven...
• Massachusetts General Laws - Mutual surety, liability and casualty companies; impairment of guaranty capital or decrease in business; effect - Chapter 175, Section 93D
  No domestic mutual company transacting business under clause three, five, six, seven, eight, nine, ten, twelve or thirteen of section forty-seven, or under clause (b),...
• Massachusetts General Laws - Mutual life, liability and casualty companies; issuance of policies; dividends - Chapter 175, Section 93E
  No policy shall be issued by a mutual company formed to transact business under the sixteenth clause of section forty-seven, or under clause (e) of...
• Massachusetts General Laws - Non-assessable policies; issuance - Chapter 175, Section 93F
  Any mutual fire company, or any company specified in the first paragraph of section ninety, which has and maintains a surplus to policyholders, including any...
• Massachusetts General Laws - Mutual life companies; members, voting rights; selection and qualifications of directors - Chapter 175, Section 94
  Except as provided in this section and in sections thirty-six, one hundred and thirty-two D and one hundred and thirty-seven, every person insured under a...
• Massachusetts General Laws - Definitions applicable to Secs. 94B to 94M and remainder of this chapter, and to chapter 152 - Chapter 175, Section 94A
  The following words and phrases, as used in sections ninety-four B to ninety-four M, inclusive, or elsewhere in this chapter, or in chapter one hundred...
• Massachusetts General Laws - Exchange of reciprocal or inter-insurance contracts - Chapter 175, Section 94B
  Individuals, partnerships and corporations of this commonwealth, including any association of same holding legal title of ownership to a fishing vessel or vessels, designated in...
• Massachusetts General Laws - Domestic exchange; organization; preliminary certificate - Chapter 175, Section 94C
  Domestic exchanges may be organized by three or more individuals, residents of the commonwealth, or partnerships or corporations doing business therein, who shall apply to...
• Massachusetts General Laws - Domestic exchange; provisional and permanent certificates to transact business; application and declaration - Chapter 175, Section 94D
  Organizers of a domestic exchange, having obtained a preliminary certificate to solicit subscribers, under section ninety-four C, may obtain a provisional certificate of authority to...
• Massachusetts General Laws - Foreign exchange; license to transact business; application and declaration; requirements - Chapter 175, Section 94E
  Foreign exchanges may apply for a license to transact business in the commonwealth in the manner set forth in section ninety-four D, with the following...
• Massachusetts General Laws - Examination of application and declaration by commissioner; issuance of license to transact business - Chapter 175, Section 94F
  The commissioner shall examine the application and declaration and all documents filed in connection therewith; and, if he is satisfied that they comply with the...
• Massachusetts General Laws - Issuance of insurance contracts; conditions precedent - Chapter 175, Section 94G
  The attorney in fact shall execute no insurance contract with any subscriber unless the subscriber shall have agreed that, except as hereinafter provided, in case...
• Massachusetts General Laws - Required amount of assets, surplus and reserve maintained in hands of attorney in fact; applicability of other laws to exchanges - Chapter 175, Section 94H
  There shall be maintained at all times in the hands of the attorney in fact, or trustees duly authorized for that purpose, assets in cash...
• Massachusetts General Laws - Annual reporting by reciprocal insurance exchange; examination of affairs of exchange by commissioner - Chapter 175, Section 94I
  A reciprocal insurance exchange shall not be required to make any annual report, except as provided in this section. Every reciprocal insurance exchange shall file...
• Massachusetts General Laws - Applicability of chapter to contracts of reciprocal or inter-insurance and exchanges thereof, attorneys in fact and other representatives - Chapter 175, Section 94J
  Contracts of reciprocal or inter-insurance and the exchanging thereof and exchanges, attorneys in fact and other representatives of the subscribers shall be subject to the...
• Massachusetts General Laws - Advisory committee - Chapter 175, Section 94K
  An advisory committee or other similar committee or board, composed of not less than three subscribers, shall be elected or appointed by each exchange in...
• Massachusetts General Laws - Power of attorney - Chapter 175, Section 94L
  A true copy of the power of attorney executed by any subscriber shall be furnished him by the attorney in fact at the time of...
• Massachusetts General Laws - Unused premium deposits - Chapter 175, Section 94M
  All unused or unabsorbed portions of premium deposits at exchanges returned or credited to subscribers shall be subject to all provisions of this chapter and...
• Massachusetts General Laws - Domestic exchange; conversion to or merger with domestic mutual insurance company - Chapter 175, Section 94N
  Upon compliance with the requirements and completion of the proceedings prescribed by this section, a domestic exchange may convert into a domestic mutual insurance company...
• Massachusetts General Laws - Fire insurance policy of amount exceeding fair value of property or for term of longer than seven years prohibited - Chapter 175, Section 95
  No company, and no officer or agent thereof, and no insurance broker shall knowingly issue, negotiate, continue or renew or cause or permit to be...
• Massachusetts General Laws - Requirement of fire insurance policy exceeding amount of outstanding mortgage prohibited - Chapter 175, Section 95A
  No company, and no officer or agent thereof, and no insurance broker shall require an owner of residential property occupied by the insured to continue...
• Massachusetts General Laws - Discrimination against abuse victim in any term or condition of residential property insurance policy prohibited - Chapter 175, Section 95B
  No company, and no officer or agent thereof, and no insurance broker, shall cancel, refuse to issue or renew, or in any way make or...
• Massachusetts General Laws - Fire loss; limitation on liability beyond actual value of insured property; reimbursement of premium paid on amount in excess of actual value - Chapter 175, Section 96
  If buildings within the commonwealth insured against loss by fire are totally destroyed by fire, the company shall not be liable beyond the actual value...
• Massachusetts General Laws - Loss of use or occupancy; limitations - Chapter 175, Section 96A
  Neither insurance authorized under the provisions of clause seventeenth of section forty-seven nor insurance against loss of use or occupancy shall be subject to the...
• Massachusetts General Laws - Payment to mortgagees under fire insurance policy - Chapter 175, Section 97
  If, by the terms of a fire insurance policy insuring a mortgagor, the whole or any part of the loss thereon is payable to mortgagees...
• Massachusetts General Laws - Claims for loss or damage to real property in amount greater than five thousand dollars; priority of claims of city or town for payment of municipal liens - Chapter 175, Section 97A
  Notwithstanding any provision to the contrary of any general or special law, every company shall, before paying any claim for loss or damage to real...
• Massachusetts General Laws - Application for fire insurance - Chapter 175, Section 98
  Every applicant for insurance against loss or damage to a building by fire shall complete a form to be prescribed by the commissioner. The application...
• Massachusetts General Laws - Standard form and content of policies or contracts insuring against loss or damage by fire or by fire and lightning - Chapter 175, Section 99
  No company shall issue policies or contracts which, under the authority of clause First of section forty-seven, insure against loss or damage by fire or...
• Massachusetts General Laws - Loss or damage caused by nuclear reaction, nuclear radiation or radioactive contamination - Chapter 175, Section 99A
  Insurers issuing the standard policy pursuant to section ninety-nine are authorized to affix thereto or include therein a written statement that the policy does not...
• Massachusetts General Laws - Property insurance for business, professional or governmental operation; multi-peril homeowners insurance for condominiums - Chapter 175, Section 99B
  The commissioner may approve for use within the commonwealth any form of policy for property insurance which is issued to insure a business, professional or...
• Massachusetts General Laws - Sailmaker shops; insurance against damage or loss by fire or fire and lightning - Chapter 175, Section 99C
  There shall be established a separate classification for sailmaker shops for companies issuing policies or contracts which insure against loss or damage by fire or...
• Massachusetts General Laws - Reference of amount of loss under policy of fire insurance to referees; selection of referees - Chapter 175, Section 100
  If a claim is presented under any policy of fire insurance issued on property or interests in the commonwealth in the standard form set forth...
• Massachusetts General Laws - Reference of amount of loss under policy of fire insurance to referees; appointment of replacement referee - Chapter 175, Section 100A
  If, before an award is determined upon by the referees, any referee, including a referee appointed under this section, dies, resigns, is incapacitated, removes from...
• Massachusetts General Laws - Reference of amount of loss under policy of fire insurance to referees; qualification of referee - Chapter 175, Section 100B
  Every person nominated, specified or appointed under either of the two preceding sections shall be disinterested, a resident of the commonwealth and willing to act...
• Massachusetts General Laws - Reference of amount of loss under policy of fire insurance to referees; timing of hearing - Chapter 175, Section 101
  The referees chosen, selected or appointed under section one hundred or one hundred A shall within ten days after the selection or appointment of the...
• Massachusetts General Laws - Reference of amount of loss under policy of fire insurance to referees; publication and delivery of award - Chapter 175, Section 101A
  The referees shall reduce their award to writing and execute it in duplicate. The third referee shall forthwith publish the same by delivering one of...
• Massachusetts General Laws - Reference of amount of loss under policy of fire insurance to referees; liability of company and insured for compensation and expenses of third referee; review by commissioner - Chapter 175, Section 101B
  The company and the insured shall, if an award is rendered by the referees in favor of the insured, each be liable to the third...
• Massachusetts General Laws - Reference of amount of loss under policy of fire insurance to referees; payment of charges of third referee - Chapter 175, Section 101C
  Payment of the third referee’s charges, which shall be due and payable, except as hereinafter provided, upon the expiration of the ten day period provided...
• Massachusetts General Laws - Determination by referees of sound value of property affected - Chapter 175, Section 101D
  If a policy of fire insurance contains a reduced rate or co-insurance clause, and if, in case of loss, the parties do not agree as...
• Massachusetts General Laws - Reference of amount of loss or sound value of affected property under policy of fire insurance to referees; non-waiver of legal defenses to claim - Chapter 175, Section 101E
  A company which in compliance with section one hundred or one hundred and one D joins in reference proceedings shall not thereby be held to...
• Massachusetts General Laws - Reference of amount of loss or sound value of affected property under policy of fire insurance to referees; penalty for non-compliance with Secs. 100, 101A or 101D - Chapter 175, Section 101F
  A company, or an officer, agent, adjuster or representative thereof having authority to represent the company in respect to a reference proceeding, who wilfully refuses...
• Massachusetts General Laws - Reference of amount of loss or sound value of affected property under policy of fire insurance to referees; effect of appointment of receiver for domestic fire company - Chapter 175, Section 101G
  The appointment of a receiver for a domestic fire company, whether before or after any referees are chosen, selected or appointed under sections one hundred...
• Massachusetts General Laws - Sound value - Chapter 175, Section 101H
  In all cases involving actual cash value coverage, sound value shall be synonymous with actual cash value.
• Massachusetts General Laws - Proof of loss; written notice of fire in lieu of sworn statement specified by Sec. 99 - Chapter 175, Section 102
  The failure of the insured under a fire policy in the standard form prescribed by section ninety-nine to render the sworn statement specified therein forthwith...
• Massachusetts General Laws - Combination policies; contents; commissioner’s approval - Chapter 175, Section 102A
  Two or more stock or two or more mutual fire companies may issue a single policy of insurance against loss or damage by fire, or...
• Massachusetts General Laws - Combination policies; mutual companies - Chapter 175, Section 102B
  The provisions of sections seventy-six, eighty, eighty-one, eighty-three, ninety-six, ninety-eight, one hundred, one hundred and one and one hundred and two shall apply to policies...
• Massachusetts General Laws - Policy against loss or damage to property by radioactive contamination; form; contents; requisites - Chapter 175, Section 102C
  Two or more stock or two or more mutual companies authorized to transact business under either the first or the fifth clause of section forty-seven...
• Massachusetts General Laws - National flood insurance program; authorization of participating companies to issue policies; proof of loss; service of process - Chapter 175, Section 102D
  Any insurance company authorized to transact business under the first clause of section forty-seven and notifying the commissioner of its participation in the flood insurance...
• Massachusetts General Laws - Crime insurance policies - Chapter 175, Section 102E
  Any insurance companies authorized to transact business under clause Twelfth of section forty-seven and notifying the commissioner of their participation in a plan approved by...
• Massachusetts General Laws - Repealed, 1923, 336, Sec. 2 - Chapter 175, Section 103
  Repealed, 1923, 336, Sec.
• Massachusetts General Laws - Repealed, 1947, 614, Sec. 2 - Chapter 175, Section 104
  Repealed, 1947, 614, Sec.
• Massachusetts General Laws - Fidelity and corporate surety companies; powers - Chapter 175, Section 105
  A company organized under the fourth clause of section forty-seven or corresponding provisions of earlier laws may make contracts of insurance to guarantee the fidelity...
• Massachusetts General Laws - Foreign fidelity and corporate surety companies; deposit with state treasurer - Chapter 175, Section 106
  A foreign company of the class designated in the preceding section shall not be admitted and authorized to transact business in the commonwealth until, besides...
• Massachusetts General Laws - Surety bonds; status - Chapter 175, Section 107
  The bonds on which such company becomes surety shall not be deemed insurance contracts as defined in section two, but the company shall otherwise be...
• Massachusetts General Laws - Accident and health insurance policies; commissioner’s approval; contents - Chapter 175, Section 108
  1. The term “policy of accident and sickness insurance” as used herein includes any policy or contract covering the kind or kinds of insurance described...
• Massachusetts General Laws - Refusal to issue policy of accident and sickness insurance for reason of blindness or deafness prohibited - Chapter 175, Section 108A
  No insurer authorized to issue policies of accident and sickness insurance in the commonwealth shall refuse, for the reason of blindness or deafness, to issue...
• Massachusetts General Laws - Inclusion of registered dentists within meaning of “physician” or “doctor” as used in policies of accident and sickness insurance or contracts for health care, services or benefits - Chapter 175, Section 108B
  Whenever the terms “physician” or “doctor” are used in any policy of accident and sickness insurance issued in the commonwealth or in any contract for...
• Massachusetts General Laws - Discrimination in issuance, denial, cancellation, renewal or rates of policy of accident and sickness insurance for reason of exposure to diethylstilbestrol or DES compounds prohibited - Chapter 175, Section 108C
  No individual policy of accident and sickness insurance issued pursuant to section one hundred and eight or group blanket policy of accident and sickness insurance,...
• Massachusetts General Laws - Reimbursement for chiropractic services - Chapter 175, Section 108D
  Whenever any policy, contract, agreement, plan or certificate of insurance, including any self-insured sickness, health or welfare plan issued within or without the commonwealth provides...
• Massachusetts General Laws - Disclosure of information relating to outpatient diagnosis or treatment of mental or nervous conditions - Chapter 175, Section 108E
  No company may, without the express and informed written consent of its insured or a covered family member of the insured acquired at the first...
• Massachusetts General Laws - Repealed, 1993, 110, Sec. 201 - Chapter 175, Section 108F
  Repealed, 1993, 110, Sec.
• Massachusetts General Laws - Discrimination in issuance, denial, cancellation, renewal or rates of policy of accident and sickness insurance based on information that individual has been victim of abuse prohibited - Chapter 175, Section 108G
  No company, and no officer or agent thereof, and no insurance broker, shall cancel, refuse to issue or renew, or in any way make or...
• Massachusetts General Laws - Terms of accident or sickness insurance policies; genetic tests; discrimination based on genetic information - Chapter 175, Section 108H
  For the purposes of this section the following words shall have the following meanings:— “Genetic information”, a written recorded individually identifiable result of a genetic...
• Massachusetts General Laws - Disability or long term care insurance policies; genetic tests; discrimination based on genetic information - Chapter 175, Section 108I
  (a) For the purposes of this section the following words shall have the following meanings: “Genetic information”, a written recorded individually identifiable result of a...
• Massachusetts General Laws - Disability insurance policies; discrimination based upon lawful travel experiences or plans prohibited - Chapter 175, Section 108J
  (a) An insurer or producer authorized to issue policies against disability from injury or disease in the commonwealth shall not make a distinction or otherwise...
• Massachusetts General Laws - [There is no 175:108K.] - Chapter 175, Section 108K
  [There is no
• Massachusetts General Laws - Attribution of members to a primary care provider - Chapter 175, Section 108L
  To the maximum extent possible, carriers that offer any policy of accident and sickness insurance or any general or blanket policy of insurance shall attribute...
• Massachusetts General Laws - Disclosure of patient-level data and contracted prices of individual health care services by carriers to providers - Chapter 175, Section 108M
  [Text of section added by 2012, 224, Sec. 155 effective October 1, 2013. See 2012, 224, Sec. 288.] To the extent permissible under applicable state...
• Massachusetts General Laws - Repealed, 1954, 275, Sec. 2 - Chapter 175, Section 109
  Repealed, 1954, 275, Sec.
• Massachusetts General Laws - General or blanket policies; power to issue; non-applicability of Sec. 108 - Chapter 175, Section 110
  (A) Nothing in section one hundred and eight shall be construed to apply to or affect or prohibit the issue of any general or blanket...
• Massachusetts General Laws - Disability insurance; exemption from attachment; exception - Chapter 175, Section 110A
  So much of any benefit under a policy of insurance insuring against disability from injury or disease as does not exceed four hundred dollars for...
• Massachusetts General Laws - Non-payment of premium of accident, health or individual life insurance policy; termination or lapse of policy; notice; limitation of action - Chapter 175, Section 110B
  No policy of insurance referred to in section one hundred and eight and no policy of individual life insurance issued or delivered in the commonwealth,...
• Massachusetts General Laws - Health insurance of persons over 65; issuance by two or more companies - Chapter 175, Section 110C
  1. Notwithstanding any contrary provision of this chapter or of any other law, two or more insurance companies authorized to do the kind of business...
• Massachusetts General Laws - Continuation of coverage after insured leaves group covered by general or blanket policy - Chapter 175, Section 110D
  Every policy of insurance issued after January first, nineteen hundred and sixty-eight under the provisions of section one hundred and ten shall contain a provision...
• Massachusetts General Laws - Standards for disclosure of form, content and advertising of accident and sickness insurance policies; rules and regulations; enforcement procedures and penalties - Chapter 175, Section 110E
  The commissioner shall make rules and regulations, and may at any time alter, amend, or make interpretations thereof, to establish minimum standards of full and...
• Massachusetts General Laws - Effect of federal social security benefit increase upon payment of benefits under disability policy - Chapter 175, Section 110F
  Benefits due under a policy of insurance insuring against disability from injury or disease shall not be reduced by an increase in federal social security...
• Massachusetts General Laws - Continuation of coverage under group hospital, surgical or medical insurance plan upon involuntary layoff or death of member - Chapter 175, Section 110G
  Whenever a member of a group hospital, surgical or medical insurance plan issued or delivered within or without the commonwealth and which covers residents of...
• Massachusetts General Laws - Cancellation of policy of accident and health upon insured reaching age 65; notice to insured - Chapter 175, Section 110H
  Every company which issues a policy of insurance under the provisions of section one hundred and eight which is cancellable when the insured reaches age...
• Massachusetts General Laws - Continuation of coverage under group hospital, surgical, medical or dental insurance plan upon divorce or separation of member - Chapter 175, Section 110I
  (a) In the event of the granting of a judgment absolute of divorce or of separate support to which a member of a group hospital,...
• Massachusetts General Laws - Group policies issued to trustees of fund appointed by council on aging - Chapter 175, Section 110J
  Nothing in section one hundred and eight, one hundred and ten, one hundred and thirty-three or one hundred and thirty-four shall be construed to apply...
• Massachusetts General Laws - Alternative dental coverage option - Chapter 175, Section 110K
  Each employer or other organization which employs or has twenty-five or more employees or members during the full preceding calendar year and which contributes to...
• Massachusetts General Laws - Clinical trials; definitions; coverage - Chapter 175, Section 110L
  (a) For purposes of this section, the following words shall have the following meanings:— “Cooperative group”, a formal network of facilities that collaborate on research...
• Massachusetts General Laws - Statements provided to individuals provided with creditable coverage; reports - Chapter 175, Section 110M
  Pursuant to section 8B of chapter 62C, carriers shall provide written statements to residents of the commonwealth for whom creditable coverage is provided and shall...
• Massachusetts General Laws - Beneficiary; power to sue - Chapter 175, Section 111
  The beneficiary under a policy of insurance against loss or damage from disease or by the bodily injury or death by accident of the insured...
• Massachusetts General Laws - Combination policies; contents; commissioner’s approval - Chapter 175, Section 111A
  Two or more companies may issue a single policy of insurance against loss or damage on account of the hazards specified in the third clause...
• Massachusetts General Laws - Liability insurance; combination policies; issuance by mutual companies; notice of reduced or eliminated coverages - Chapter 175, Section 111B
  Policies issued by mutual companies under section one hundred and eleven A and persons insured under such policies and dividends and assessments thereunder shall be...
• Massachusetts General Laws - Medical pay provisions - Chapter 175, Section 111C
  A policy of insurance issued under subdivision (b) of clause Sixth of section forty-seven insuring any person against legal liability for loss or damage on...
• Massachusetts General Laws - Uninsured vehicle endorsement - Chapter 175, Section 111D
  A policy of motor vehicle liability insurance issued under subdivision (b) of clause Sixth of section forty-seven, or an endorsement or rider attached thereto, may...
• Massachusetts General Laws - Professional liability policies - Chapter 175, Section 111E
  With the prior written approval of the commissioner of insurance, a group liability insurance policy may be issued by a company affording professional liability coverage...
• Massachusetts General Laws - Medical reports; furnishing copy to injured person or attorney - Chapter 175, Section 111F
  Any company issuing or executing a liability policy, which requests and makes a medical examination of a person injured in an accident, shall, upon request...
• Massachusetts General Laws - Extent of family coverage; stated deductible amount - Chapter 175, Section 111G
  A policy of insurance issued under subdivision (b) of clause sixth of section forty-seven, insuring a person against loss in excess of the amount of...
• Massachusetts General Laws - Liability insurance for residential property owners complying with lead poisoning prevention guidelines - Chapter 175, Section 111H
  The commissioner of insurance shall adopt reasonable rules and regulations on or before July first, nineteen hundred and ninety-four designed to achieve the goal of...
• Massachusetts General Laws - Payment of losses; regulations - Chapter 175, Section 112
  The liability of any company under a motor vehicle liability policy, as defined in section thirty-four A of chapter ninety, or under any other policy...
• Massachusetts General Laws - Liquor liability insurance; coverage - Chapter 175, Section 112A
  Liquor legal liability insurance shall provide insurance coverage against the legal liability of the insured and against loss, damage or expense incident to a claim...
• Massachusetts General Laws - Cancellation of liquor liability insurance by insurer; notice to insured and to licensing authorities - Chapter 175, Section 112B
  Effective 60 days after the inception of a liquor liability insurance contract, no notice of intention to terminate the contract or, if the contract is...
• Massachusetts General Laws - Disclosure of coverage limits to claimants; penalty - Chapter 175, Section 112C
  Any insurer doing business in the commonwealth shall reveal to an injured party making claim against an insured, the amount of the limits of said...
• Massachusetts General Laws - Judgment; satisfaction - Chapter 175, Section 113
  Upon the recovery of a final judgment against any person by any person, including executors or administrators, for any loss or damage specified in the...
• Massachusetts General Laws - Motor vehicle liability policies; contents; commissioner’s approval; options to purchase policies or bonds; notice of reduced or eliminated coverages - Chapter 175, Section 113A
  No motor vehicle liability policy as defined in section thirty-four A of chapter ninety shall be issued or delivered in the commonwealth until a copy...
• Massachusetts General Laws - Classification of risks and premium charges in connection with motor vehicle liability policies or bonds - Chapter 175, Section 113B
  The commissioner shall, annually on or before December 15, after due hearing and investigation, fix and establish fair and reasonable classifications of risks, including classifications...
• Massachusetts General Laws - Notice to registrar of companies authorized to issue motor vehicle liability policies or to act as surety upon motor vehicle liability bonds; mandatory offer of additional coverage; limits - Chapter 175, Section 113C
  The commissioner shall forthwith notify the registrar of motor vehicles of the names of all companies as they become or cease to be authorized to...
• Massachusetts General Laws - Cancellation of motor vehicle liability policy; proceedings; review - Chapter 175, Section 113D
  Any person aggrieved by the issue by any company, or an agent thereof on its behalf, of a written notice purporting to cancel a motor...
• Massachusetts General Laws - Deposit premiums - Chapter 175, Section 113E
  Nothing in this chapter shall be construed to prohibit an insurance company, its agent or any broker, from requiring a deposit premium before issuance of...
• Massachusetts General Laws - Notice of intent to not issue, extend or renew motor vehicle liability policy or to execute or act as surety on motor vehicle liability bond - Chapter 175, Section 113F
  Any company which does not intend to issue, extend or renew a motor vehicle liability policy or to execute or act as surety on a...
• Massachusetts General Laws - Officers, directors and employees of company issuing or executing motor vehicle liability policies or bonds; financial interest in companies or agencies; restrictions - Chapter 175, Section 113G
  No officer, director or employee of a domestic company formed under section forty-eight A after November first, nineteen hundred and thirty-nine which obtains a certificate...
• Massachusetts General Laws - Assigned risk plans - Chapter 175, Section 113H
  (A) Insurance companies undertaking to issue motor vehicle liability policies or bonds, both as defined in section thirty-four A of chapter ninety, shall cooperate in...
• Massachusetts General Laws - Freedom of contract between insurers and agents or brokers; manner of issuing policies - Chapter 175, Section 113I
  Nothing in this chapter shall be construed to abridge or restrict the freedom of contract between insurers and agents or brokers nor to require an...
• Massachusetts General Laws - Furnishing of reports of medical examinations of person injured in motor vehicle accident - Chapter 175, Section 113J
  Any company issuing or executing a motor vehicle liability policy or bond, both as defined in section thirty-four A of chapter ninety, which requests and...
• Massachusetts General Laws - Minors; contracts for motor vehicle liability insurance - Chapter 175, Section 113K
  Any minor sixteen years of age or over shall be deemed competent to contract for a motor vehicle liability policy or bond, both as defined...
• Massachusetts General Laws - Uninsured motorists; insufficient liability limits; coverage - Chapter 175, Section 113L
  (1) No policy shall be issued or delivered in the commonwealth with respect to a motor vehicle, trailer or semitrailer registered in this state unless...
• Massachusetts General Laws - Repealed, 1981, 775, Sec. 3 - Chapter 175, Section 113M
  Repealed, 1981, 775, Sec.
• Massachusetts General Laws - Medical examination of applicant for motor vehicle liability policy or bond prohibited - Chapter 175, Section 113N
  No company issuing or executing a motor vehicle liability policy or bond, as defined in section thirty-four A of chapter ninety shall require a medical...
• Massachusetts General Laws - Fire and theft or comprehensive coverage; payments for loss or damage to insured vehicle; statements to police; claim forms; actions for nonpayment - Chapter 175, Section 113O
  All policies providing fire and theft coverage or comprehensive coverage, so-called, shall pay for loss or damage to the insured vehicle under the terms of...
• Massachusetts General Laws - Appeals from application of safe driver insurance plan - Chapter 175, Section 113P
  Any insured aggrieved by any determination of an insurer as to the application of any provision of the safe driver insurance plan established by the...
• Massachusetts General Laws - Inclusion of automobile club memberships in automobile insurance policy prohibited - Chapter 175, Section 113Q
  No automobile club membership shall be made part of any automobile insurance policy, nor shall any automobile club membership fee be included in any automobile...
• Massachusetts General Laws - Interest on refunds of overpayments or overdue payments of motor vehicle liability insurance premiums - Chapter 175, Section 113R
  Every insurer offering motor vehicle liability insurance and related coverages shall pay interest on refunds of overpayments to those insured paying premiums in full based...
• Massachusetts General Laws - Inspection of vehicles prior to provision of coverage - Chapter 175, Section 113S
  (a) For purposes of this section, “existing customer” shall mean an applicant for a motor vehicle liability policy who has been insured for three years...
• Massachusetts General Laws - Repair shop coverage - Chapter 175, Section 113T
  Notwithstanding the provisions of section eight G of chapter twenty-six, a motor vehicle liability policy may, upon approval by the commissioner and by endorsement prescribed...
• Massachusetts General Laws - Antique motor car policies - Chapter 175, Section 113U
  Insurance companies undertaking to issue motor vehicle liability policies or motor vehicle liability bonds, as defined in section 34A of chapter 90, may issue and...
• Massachusetts General Laws - Overutilization of practice or fraud involving automobile insurance claims; medical licensing boards; investigations - Chapter 175, Section 113V
  (a) For purposes of this section, the following words shall have the following meaning:— “Automobile Insurers Bureau of Massachusetts”, the rating organization licensed by the...
• Massachusetts General Laws - Hospitality mutual insurance company; conversion of liquor legal liability joint underwriting association; authorized transactions; board of directors - Chapter 175, Section 113W
  (a) As used in this section, the following words shall, unless the context clearly requires otherwise, have the following meanings: “Association”, the joint underwriting association...
• Massachusetts General Laws - Motor vehicle glass repair covered by motor vehicle liability insurance; prohibited acts by insurers; penalty - Chapter 175, Section 113X
  (a) When motor vehicle glass repair is to be performed within the commonwealth and is covered in whole or in part by motor vehicle liability...
• Massachusetts General Laws - Title insurance companies; applicability of chapter - Chapter 175, Section 114
  A company organized under the eleventh clause of section forty-seven or under earlier laws relating to such companies shall not be subject to this chapter,...
• Massachusetts General Laws - Repealed, 1924, 406, Sec. 17 - Chapter 175, Section 115
  Repealed, 1924, 406, Sec.
• Massachusetts General Laws - Title guarantee funds - Chapter 175, Section 116
  Every such company shall set apart an amount not less than two fifths of its capital, and not less than one hundred thousand dollars in...
• Massachusetts General Laws - Foreign title insurance companies; applicability of chapter - Chapter 175, Section 116A
  A foreign company admitted to transact business under the eleventh clause of section forty-seven shall not be subject to this chapter except this section and...
• Massachusetts General Laws - Steam boiler insurance; term of policy - Chapter 175, Section 117
  No company shall issue a policy of insurance on a steam boiler for a longer period than three years. This provision shall not apply to...
• Massachusetts General Laws - Marine and sprinkler leakage insurance; combination policies; contents; commissioner’s approval - Chapter 175, Section 117A
  Two or more stock or two or more mutual fire companies authorized to transact business under the second clause of section forty-seven or under the...
• Massachusetts General Laws - Credit insurance; combination policies; contents; commissioner’s approval - Chapter 175, Section 117B
  Two or more companies authorized to transact business under clause Tenth of section forty-seven may issue a single policy of insurance against loss or damage...
• Massachusetts General Laws - Determination of premium rates with respect to credit life insurance and credit accident and health insurance; filing; reports - Chapter 175, Section 117C
  (a) The following method of determination of premium rates with respect to credit life insurance and credit accident and health insurance is required only for...
• Massachusetts General Laws - Credit involuntary unemployment insurance - Chapter 175, Section 117D
  (a) A licensed property and casualty insurance company may, notwithstanding any law or regulation to the contrary, issue a general or blanket policy of insurance...
• Massachusetts General Laws - Life company defined - Chapter 175, Section 118
  All companies doing business in the commonwealth under any charter, compact, agreement or statute of this or any other state, involving the payment of money...
• Massachusetts General Laws - Domestic life companies; power to make pure endowment contracts and grant annuities. - Chapter 175, Section 119
  Domestic life companies may make pure endowment contracts, and grant, purchase and dispose of annuities.
• Massachusetts General Laws - Proceeds of annuity contract or policy of life insurance retained by life company; alienation, assignment, etc. by beneficiary - Chapter 175, Section 119A
  If, under the terms of any annuity contract or policy of life insurance, or under any written agreement supplemental thereto, issued by any life company,...
• Massachusetts General Laws - Refund of prepaid individual life insurance premiums upon death of insured - Chapter 175, Section 119B
  Upon the death of an insured, the proceeds payable under any policy of individual life insurance, other than a single-premium life insurance policy, delivered or...
• Massachusetts General Laws - Interest on proceeds payable under policy of individual life insurance upon death of insured - Chapter 175, Section 119C
  Upon the death of an insured, the proceeds payable under any policy of individual life insurance which is in force on the date of death...
• Massachusetts General Laws - Discrimination by life company in amount or payment of premiums or rate charged, in benefits payable, or in any other term of contract prohibited - Chapter 175, Section 120
  No life company and no officer or agent thereof shall make or permit any distinction or discrimination in favor of individuals between insurants of the...
• Massachusetts General Laws - Refusal to issue policy of individual life insurance for reason of mental retardation prohibited - Chapter 175, Section 120A
  No insurer authorized to issue policies upon the lives of persons in the commonwealth may refuse, for the sole reason of mental retardation, to issue...
• Massachusetts General Laws - Refusal to issue policy of individual life insurance for reason of blindness prohibited - Chapter 175, Section 120B
  No insurer authorized to issue policies on the lives of persons in the commonwealth may refuse, for the sole reason of blindness, to issue a...
• Massachusetts General Laws - Discrimination in cancellation, issuance, renewal or rates of policies on the lives of persons for reason of exposure to diethylstilbestrol or DES compounds prohibited - Chapter 175, Section 120C
  No insurer, agent or broker authorized to issue policies on the lives of persons in the commonwealth shall cancel, refuse to issue or renew, charge...
• Massachusetts General Laws - Discrimination in cancellation, issuance, renewal or rates of policies of life insurance or endowment insurance for reason that individual has been victim of abuse prohibited - Chapter 175, Section 120D
  No company, and no officer or agent thereof, and no insurance broker, shall cancel, refuse to issue or renew, or in any way make or...
• Massachusetts General Laws - Unfair discrimination based on results of genetic test or the provision of genetic information prohibited; genetic tests as condition to issuance or renewal of policy on the life of person prohibited - Chapter 175, Section 120E
  For the purposes of this section the following words shall have the following meanings:— “Genetic information”, a written recorded individually identifiable result of a genetic...
• Massachusetts General Laws - Discrimination in terms or conditions of group or individual annuity, pure endowment contract or certificate prohibited - Chapter 175, Section 120F
  No company, officer or agent thereof shall make or permit a distinction, classification or discrimination, or otherwise recognize a difference in life expectancy, on the...
• Massachusetts General Laws - Sale or purchase of securities in connection with contract of life or endowment insurance or annuity prohibited - Chapter 175, Section 121
  No life company and no officer or agent thereof and no insurance broker shall make any contract of life or endowment insurance or any annuity...
• Massachusetts General Laws - Discrimination against colored persons of African descent in conditions and premium charged for policies of life insurance prohibited - Chapter 175, Section 122
  No life company shall make any distinction or discrimination between white persons and colored persons wholly or partly of African descent as to the premiums...
• Massachusetts General Laws - Discrimination based upon lawful travel experiences or plans prohibited; life insurance policies - Chapter 175, Section 122A
  (a) An insurer or producer authorized to issue policies on the lives of persons in the commonwealth shall not make a distinction or otherwise discriminate...
• Massachusetts General Laws - Application for issuance of policy of life or endowment insurance; change of designation of beneficiary - Chapter 175, Section 123
  No life company shall issue any policy of life or endowment insurance in this commonwealth except upon a written application therefor signed or assented to...
• Massachusetts General Laws - Insurable interest of corporation in the life or physical or mental ability of corporate director, officer, employee, etc. - Chapter 175, Section 123A
  (1) A corporation, foreign or domestic shall be deemed to have an insurable interest, including without limitation, in the life or physical or mental ability...
• Massachusetts General Laws - Claims under policy issued by life company; binding effect of statements in application for life insurance policy issued without medical examination - Chapter 175, Section 124
  In any claim arising under a policy issued in the commonwealth by any life company, without previous medical examination, or without the knowledge and consent...
• Massachusetts General Laws - Beneficiaries of policy of life or endowment insurance; entitlement to proceeds against creditors of person effecting policy - Chapter 175, Section 125
  If a policy of life or endowment insurance is effected by any person on his own life or on another life, in favor of a...
• Massachusetts General Laws - Policy of life or endowment insurance payable to or for the benefit of a married woman - Chapter 175, Section 126
  Every policy of life or endowment insurance made payable to or for the benefit of a married woman, or after its issue assigned, transferred or...
• Massachusetts General Laws - False or fraudulent statements in application for life or endowment insurance; penalties - Chapter 175, Section 127
  An insurance agent, examining physician or other person who knowingly or wilfully makes a false or fraudulent statement or representation in or relative to any...
• Massachusetts General Laws - Age of competency to contract for life or endowment insurance - Chapter 175, Section 128
  Any minor resident in this commonwealth who shall have attained the age of fifteen years shall be deemed competent to contract for life or endowment...
• Massachusetts General Laws - Repealed, 1975, 111, Sec. 1 - Chapter 175, Section 128A
  Repealed, 1975, 111, Sec.
• Massachusetts General Laws - Plain description upon face of policy of life or endowment insurance or annuity required - Chapter 175, Section 129
  No life company and no officer or agent thereof shall issue a policy of life or endowment insurance or an annuity or pure endowment policy...
• Massachusetts General Laws - Policies of life or endowment purporting to be issued or to take effect more than six months before date of application; annuities or pure endowments contracts purporting to be issued or to take effect at higher age - Chapter 175, Section 130
  No policy of life or endowment insurance shall be issued or delivered in the commonwealth if it shall purport to be issued or to take...
• Massachusetts General Laws - Endorsement or attachment of application as a part of policy of life or endowment insurance - Chapter 175, Section 131
  Unless a correct copy of the application is endorsed upon or attached to a policy of life or endowment insurance, when issued, the application shall...
• Massachusetts General Laws - Policies of life or endowment insurance; form and content; commissioner’s approval - Chapter 175, Section 132
  No policy of life or endowment insurance and no annuity, survivorship annuity or pure endowment contract shall be issued or delivered in the commonwealth until...
• Massachusetts General Laws - Group annuity contract; definitions - Chapter 175, Section 132A
  A group annuity contract is hereby defined to be a contract issued by a company (a) to a person, firm or corporation, as employer, and...
• Massachusetts General Laws - Requirements for other group annuity contracts - Chapter 175, Section 132A1/2
  A group annuity offered to a resident of the commonwealth under a group annuity contract issued to a group other than one described in section...
• Massachusetts General Laws - Group annuity contract; issuance; form; commissioner’s approval; review; contents - Chapter 175, Section 132B
  No group annuity contract shall be issued or delivered in the commonwealth, except as provided in section one hundred and thirty-two A, nor until a...
• Massachusetts General Laws - Group annuity contract; exemption from process; exception - Chapter 175, Section 132C
  No group annuity contract, nor the proceeds or benefits thereof, shall be liable, either before or after payment, to be seized, taken, appropriated or applied...
• Massachusetts General Laws - Group annuity contracts; members - Chapter 175, Section 132D
  Under any group annuity contract issued by a domestic mutual life company, the holder only shall be a member of the company, and entitled to...
• Massachusetts General Laws - Group annuity contract; construction - Chapter 175, Section 132E
  The term “annuity” or “annuity contract” when used in this chapter, except in sections one hundred and twenty-nine, one hundred and thirty and one hundred...
• Massachusetts General Laws - Pension contracts; funding agreements; separate accounts - Chapter 175, Section 132F
  Any life company may, by written agreements, hereinafter called “funding agreements”, with the holders of “pension contracts”, as hereinafter defined, assign, wholly or in part,...
• Massachusetts General Laws - Variable annuity contracts; issuance; contents; separate investment accounts; reserve liability; approval; rules and regulations - Chapter 175, Section 132G
  “Contract on a variable basis” for the purpose of this section shall mean any life policy or contract, annuity contract or any other policy or...
• Massachusetts General Laws - Variable annuity contracts; investment of assets; limitations; rules and regulations - Chapter 175, Section 132H
  Assets in any separate account established under section one hundred and thirty-two F or one hundred and thirty-two G shall not be deemed to be...
• Massachusetts General Laws - Funding agreements - Chapter 175, Section 132I
  Any insurer authorized to issue annuity contracts in the commonwealth may issue one or more funding agreements, in fixed or variable amounts or in both,...
• Massachusetts General Laws - Group life insurance defined - Chapter 175, Section 133
  Group life insurance is hereby defined to be that form of life insurance covering (a) employees, with or without medical examination, written under a policy...
• Massachusetts General Laws - Requirements for other group life insurance policies - Chapter 175, Section 133A
  Group life insurance offered to a resident of the commonwealth under a group life insurance policy issued to a group other than one described in...
• Massachusetts General Laws - Group life policies; commissioner’s approval; contents - Chapter 175, Section 134
  No policy of group life insurance shall be issued or delivered in the commonwealth until a copy of the form thereof has been on file...
• Massachusetts General Laws - Conversion from group life insurance policy to another type of life policy; right of certificate-holder; notice - Chapter 175, Section 134A
  If any individual insured under a group life insurance policy hereafter issued becomes entitled under the terms of such policy to convert to another type...
• Massachusetts General Laws - Repealed, 1968, 391, Sec. 19 - Chapter 175, Section 134B
  Repealed, 1968, 391, Sec.
• Massachusetts General Laws - Group life policies; assignment of incidents of ownership - Chapter 175, Section 134C
  Subject to the terms of the policy relating to assignment of incidents of ownership thereunder, a person whose life is insured under a policy of...
• Massachusetts General Laws - Group life policies; exemption from attachment; exception - Chapter 175, Section 135
  No such policy, or the proceeds thereof when paid to any employee or employees thereunder, or to their beneficiaries, shall be liable to attachment, trustee...
• Massachusetts General Laws - Group life policies; exemption from loan provision - Chapter 175, Section 136
  Such policies shall be exempt from any loan provision or requirement. Any equity of the insured in a group life insurance policy at the time...
• Massachusetts General Laws - Group policies; members - Chapter 175, Section 137
  Under any group policy issued by a domestic mutual life company, the employer only shall be a member of the company, and entitled to one...
• Massachusetts General Laws - Application of chapter to Secs. 133 to 137 - Chapter 175, Section 138
  So much of this chapter as is inconsistent with sections one hundred and thirty-three to one hundred and thirty-seven, inclusive, shall not apply to policies...
• Massachusetts General Laws - Group life policies; pay-roll deductions of state and local employees - Chapter 175, Section 138A
  Deductions on pay-roll schedules may be made from the salary of any state, county or municipal employee of any amount which such employee may specify...
• Massachusetts General Laws - Conversion, alteration or exchange of life or endowment insurance or annuity contracts - Chapter 175, Section 139
  Any life company may, at the request of the holder thereof, exchange, alter or convert any policy of life or endowment insurance or annuity contract...
• Massachusetts General Laws - Annual dividends on policies of life or endowment insurance - Chapter 175, Section 140
  Except as provided in this section, every domestic life company heretofore or hereafter organized, anything in its charter or its certificate of incorporation or special...
• Massachusetts General Laws - Safety fund - Chapter 175, Section 141
  Any domestic life company may from its surplus funds or profits attributable to its participating business accumulate and hold, or hold if already accumulated, as...
• Massachusetts General Laws - Loan from life company upon policy of life insurance; interest rate; loan value; definitions - Chapter 175, Section 142
  (1) For the purpose of this section, “Published monthly average” shall mean: (a) the monthly average of the composite yield on seasoned corporate bonds as...
• Massachusetts General Laws - Applicability of forfeiture laws to policies of life insurance and deferred annuity contracts - Chapter 175, Section 143
  All policies of life insurance and deferred annuity contracts shall be subject to the laws limiting forfeiture applicable and in force at the date of...
• Massachusetts General Laws - Default in payment of premium on policy of life insurance; surrender of policy for cash value; taking of paid-up nonforfeiture benefit - Chapter 175, Section 144
  1. In the event of default in the payment of any premium on any policy of life insurance issued or delivered in the commonwealth by...
• Massachusetts General Laws - Repealed, 2004, 59, Sec. 2 - Chapter 175, Section 144A
  Repealed, 2004, 59, Sec.
• Massachusetts General Laws - Annuity contracts; required provisions - Chapter 175, Section 144A1/2
  (a) In the case of contracts issued on or after the effective date of this section, no contract of annuity, except as set forth in...
• Massachusetts General Laws - Cash surrender value of policies of industrial life insurance - Chapter 175, Section 145
  On policies of industrial insurance issued on or before December thirty-first, nineteen hundred and eleven, by a domestic life company on which premiums are paid...
• Massachusetts General Laws - Policies of industrial life insurance; applicability of Sec. 144 - Chapter 175, Section 146
  The provisions of section one hundred and forty-four shall, except as hereinafter provided, apply to any policy of industrial life insurance issued or delivered in...
• Massachusetts General Laws - Default in payment of premium on policy of industrial life insurance; notice of non-forfeiture benefit - Chapter 175, Section 146A
  In case of any default in the payment of a premium on any policy of industrial life insurance issued or delivered in the commonwealth by...
• Massachusetts General Laws - Massachusetts Life and Health Insurance Guaranty Association Law - Chapter 175, Section 146B
  (1) This section may be referred to and cited as the “Massachusetts Life and Health Insurance Guaranty Association Law”. (2) As used in this section...
• Massachusetts General Laws - Repealed, 1943, 227, Sec. 10 - Chapter 175, Section 147 to 147B
  Repealed, 1943, 227, Sec.
• Massachusetts General Laws - Repealed, 1928, 148, Sec. 2 - Chapter 175, Section 148
  Repealed, 1928, 148, Sec.
• Massachusetts General Laws - Participating and nonparticipating policies of life, endowment and accident and sickness insurance and annuity and pure endowment contracts - Chapter 175, Section 149
  A domestic life company is authorized to issue both participating and nonparticipating policies of life, endowment and accident and sickness insurance, and annuity and pure...
• Massachusetts General Laws - Unclaimed funds; definitions - Chapter 175, Section 149A
  “Unclaimed funds” within the meaning of this section and sections one hundred and forty-nine B to one hundred and forty-nine D, inclusive, shall mean and...
• Massachusetts General Laws - Unclaimed funds; reports by companies - Chapter 175, Section 149B
  In addition to all other reports required by law, every life company shall, on or before the first day of April of each year, make...
• Massachusetts General Laws - Unclaimed funds; payment to state treasurer - Chapter 175, Section 149C
  On or before the first day of September in each year, each life company shall pay over to the state treasurer all unclaimed funds set...
• Massachusetts General Laws - Unclaimed funds; custody; claims; proceedings; judgment and satisfaction - Chapter 175, Section 149D
  Upon the payment of such unclaimed funds to the state treasurer, the commonwealth shall assume, for the benefit of those entitled to receive the same...
• Massachusetts General Laws - Examination of records of life company by state treasurer - Chapter 175, Section 149E
  The state treasurer may at any reasonable time following reasonable notice examine the records of any life company to determine if said company has complied...
• Massachusetts General Laws - Repealed, 2010, 469, Sec. 1 - Chapter 175, Section 149F to 149L
  Repealed, 2010, 469, Sec.
• Massachusetts General Laws - Definitions applicable to Secs. 149M to 149X - Chapter 175, Section 149M
  As used in sections 149M to 149X, inclusive, the following words shall, unless the context clearly requires otherwise, have the following meanings:— “Administrator”, the person...
• Massachusetts General Laws - Service contracts; duties of provider - Chapter 175, Section 149N
  (a) A provider may appoint an administrator or other designee to be responsible for the administration of service contracts executed under sections 149M to 149V,...
• Massachusetts General Laws - Reimbursement of covered sums or performance of service pursuant to reimbursement insurance policy - Chapter 175, Section 149O
  (a) Reimbursement insurance policies insuring service contracts issued, sold or offered for sale in the commonwealth shall require the insurer that issued the reimbursement insurance...
• Massachusetts General Laws - Form and content of service contracts - Chapter 175, Section 149P
  Service contracts shall be printed in clear and understandable language and shall include: (1) a statement in substantially the following form: “Obligations of the provider...
• Massachusetts General Laws - Prohibited language in provider name; false or misleading statements; purchase of service contract as condition of loan or sale of property prohibited - Chapter 175, Section 149Q
  (a) A provider shall not: (i) use in its name the words insurance, casualty, surety, mutual or any other words descriptive of the insurance, casualty...
• Massachusetts General Laws - Maintenance and retention of accounts, books and records - Chapter 175, Section 149R
  (a) The provider shall keep accurate accounts, books and records concerning transactions regulated under sections 149M to 149W, inclusive, which shall include: (i) copies of...
• Massachusetts General Laws - Termination of reimbursement insurance policy - Chapter 175, Section 149S
  An insurer issuing a reimbursement insurance policy shall not terminate the policy until a notice of termination has been mailed or delivered to the commissioner....
• Massachusetts General Laws - Receipt of premiums for reimbursement insurance policy; insurer right to indemnification or subrogation - Chapter 175, Section 149T
  (a) An insurer issuing reimbursement insurance to providers shall be considered to have received the premiums for such insurance upon the payment of provider fees...
• Massachusetts General Laws - Enforcement of Secs. 149M to 149W - Chapter 175, Section 149U
  (a) The commissioner may conduct examinations of providers, administrators, insurers or other persons to enforce sections 149M to 149W, inclusive, and protect service contract holders....
• Massachusetts General Laws - Exemptions from Secs. 149M to 149W - Chapter 175, Section 149V
  The following shall be exempt from sections 149M to 149W, inclusive: (a) warranties, service contracts or maintenance agreements provided by public utilities that are regulated...
• Massachusetts General Laws - Rules and regulations - Chapter 175, Section 149W
  The commissioner may promulgate rules and regulations for the administration and enforcement of sections 149M to 149V, inclusive.
• Massachusetts General Laws - Retention and use of collected registration fees - Chapter 175, Section 149X
  The commissioner shall retain all registration fees collected under subsection (c) of section 149N and fines collected under clause (4) of subsection (b) of section...
• Massachusetts General Laws - Admission of foreign companies - Chapter 175, Section 150
  Foreign companies, upon complying with the conditions herein set forth applicable to such companies, may be admitted to transact in the commonwealth any kinds of...
• Massachusetts General Laws - Conditions of admission of foreign companies - Chapter 175, Section 151
  No foreign company shall be admitted and authorized to do business until— First, It has deposited with the commissioner a certified copy of its charter...
• Massachusetts General Laws - Kinds of business which may be transacted by foreign companies - Chapter 175, Section 152
  No foreign company shall transact in this commonwealth any kind of business not specified in its charter and in its license. Any foreign stock company,...
• Massachusetts General Laws - Foreign mutual fire companies; non-assessable policies; issuance; conditions - Chapter 175, Section 152A
  Any mutual fire company admitted before or after this section takes effect to transact business in this commonwealth may issue non-assessable policies in compliance with...
• Massachusetts General Laws - Foreign life companies; conditions of admission - Chapter 175, Section 153
  A company organized under the laws of any other state of the United States for the transaction of life insurance may, subject to all provisions...
• Massachusetts General Laws - Service of process on foreign company; duty of commissioner; fees - Chapter 175, Section 154
  When legal process is served upon the commissioner as attorney for a foreign company under the third clause of section one hundred and fifty-one, he...
• Massachusetts General Laws - Companies formed under laws of any government or state other than the United States or one of the United States; conditions of admission - Chapter 175, Section 155
  A foreign company, if formed under the laws of any government or state other than the United States or one of the United States, shall...
• Massachusetts General Laws - Companies formed under laws of any government or state other than the United States or one of the United States; appointment of trustees - Chapter 175, Section 156
  Any such company may appoint trustees, who are citizens or corporations of the United States and approved by the commissioner, to hold funds in trust...
• Massachusetts General Laws - Cessation of issuance of policies or making of contracts by foreign company upon revocation or suspension of license or failure to maintain required amounts of capital or assets - Chapter 175, Section 156A
  Every foreign company, other than a life company, whose capital stock or guaranty or deposit capital is reduced below the amounts required by section one...
• Massachusetts General Laws - Repealed, 2000, 96, Sec. 3 - Chapter 175, Section 157
  Repealed, 2000, 96, Sec.
• Massachusetts General Laws - Effect of war between United States and foreign country upon policies and contracts issued by company organized under laws of such foreign company - Chapter 175, Section 158
  No policy of insurance and no annuity or pure endowment contract issued to a resident of the commonwealth by an authorized company organized under the...
• Massachusetts General Laws - Retaliatory taxes, fines, penalties, etc. - Chapter 175, Section 159
  If by the laws of any other state any taxes, fines, penalties, licenses, fees, deposits or other obligations or prohibitions, additional to or in excess...
• Massachusetts General Laws - Persons aiding foreign company not lawfully admitted to issue policies or contracts; penalty; reinsurance or transfer of primary obligation to meet actual risk assumed under policy to unlicensed company or company with insufficient net cash assets prohibited - Chapter 175, Section 160
  Whoever, for a person other than himself, acts or aids in any manner in the negotiation, continuation, or renewal of a policy of insurance or...
• Massachusetts General Laws - Advertisement for or on behalf of unlicensed foreign company or fraternal benefit society prohibited - Chapter 175, Section 160A
  No person shall print or publish, or cause to be printed or published, in any newspaper, magazine, pamphlet or other periodical any advertisement for or...
• Massachusetts General Laws - Publication of notice by commissioner of unlicensed foreign company or fraternal benefit society - Chapter 175, Section 160B
  The commissioner may, if it appears to him that any foreign company or fraternal benefit society not duly licensed to transact business in this commonwealth...
• Massachusetts General Laws - Automobile insurance; company as agent for insurers doing business in Mexico; separate accounts; payment of percentage of gross premiums - Chapter 175, Section 160C
  Notwithstanding the provisions of sections one hundred and sixty and one hundred and sixty-three an insurance company authorized to write automobile liability and physical damage...
• Massachusetts General Laws - Agent or broker securing automobile coverage with Mexican companies; separate accounts; payment of percentage of gross premiums - Chapter 175, Section 160D
  Section one hundred and sixty shall not apply to a duly licensed insurance agent or broker who negotiates, continues or renews automobile insurance policies for...
• Massachusetts General Laws - Repealed, 1929, 6, Sec. 1 - Chapter 175, Section 161
  Repealed, 1929, 6, Sec.
• Massachusetts General Laws - Definitions applicable to Secs. 161A to 161E - Chapter 175, Section 161A
  In this section and in sections one hundred and sixty-one B to one hundred and sixty-one E, inclusive, the following words shall, unless the context...
• Massachusetts General Laws - Domestication of United States branch of alien insurer; domestication agreement - Chapter 175, Section 161B
  Any alien insurer now or hereafter licensed to do business in the commonwealth which owns beneficially, directly or indirectly, all of the outstanding capital stock...
• Massachusetts General Laws - Approval of domestication agreement by alien and domestic insurer - Chapter 175, Section 161C
  Said domestication agreement shall be authorized, adopted, approved, signed and acknowledged by the alien insurer in accordance with the laws of the country under which...
• Massachusetts General Laws - Approval of domestication agreement by commissioner - Chapter 175, Section 161D
  An executed counterpart of the domestication agreement, together with certified copies of the corporate proceedings of the domestic insurer and the alien insurer, approving, adopting...
• Massachusetts General Laws - Domestication of United States branch of alien insurer effective upon filing of instrument of transfer and assumption - Chapter 175, Section 161E
  Upon the filing with the commissioner of a certified copy of the instrument of transfer and assumption pursuant to which a domestic insurer succeeds to...
• Massachusetts General Laws - Agent, broker and adjuster defined; on-premises and off-premise solicitation of negotiation of policy of insurance - Chapter 175, Section 162
  Solicitation or negotiation of policies of insurance that takes place off the premises of an insurance broker, agent or company shall be by a duly...
• Massachusetts General Laws - Repealed, 2002, 106, Sec. 4 - Chapter 175, Section 162A
  Repealed, 2002, 106, Sec.
• Massachusetts General Laws - Agents and brokers; power to accept installment premiums - Chapter 175, Section 162B
  Insurance agents and brokers may accept payment of insurance premiums in installments to be evidenced by notes or other appropriate instruments running from the insured...
• Massachusetts General Laws - Direct billing; mandatory agreements prohibited - Chapter 175, Section 162C
  No insurer issuing or delivering in the commonwealth either motor vehicle policies as defined in sections thirty-four A and thirty-four O of chapter ninety or...
• Massachusetts General Laws - Expense premium commissions; payment to insurance agents; additional compensation - Chapter 175, Section 162D
  Any insurer issuing or delivering in the commonwealth either motor vehicle policies or bonds, as defined in section thirty-four A and thirty-four O of chapter...
• Massachusetts General Laws - Motor vehicle insurance made by insurer pursuant to American agency system; insurer commission arrangements - Chapter 175, Section 162E
  Any filing of rates for insurance to which chapter one hundred and seventy-five E is applicable which is made by an insurer doing business in...
• Massachusetts General Laws - Property or casualty insurance information; proprietary rights of agents and brokers - Chapter 175, Section 162F
  A duly licensed agent or a duly licensed broker doing business pursuant to the so-called American agency system, other than that of an employer to...
• Massachusetts General Laws - Licensing of insurance producers; Secs. 162H through 162X govern qualifications and procedures - Chapter 175, Section 162G
  Sections 162H to 162X, inclusive, shall govern the qualifications and procedures for the licensing of insurance producers. Sections 162H to 162X, inclusive, do not apply...
• Massachusetts General Laws - Definitions applicable to Secs. 162G to 162X - Chapter 175, Section 162H
  As used in sections 162G to 162X, inclusive, the following words shall, unless the context requires otherwise, have the following meanings:— “Business entity”, a corporation,...
• Massachusetts General Laws - License required to sell, solicit or negotiate insurance - Chapter 175, Section 162I
  A person shall not sell, solicit or negotiate insurance in the commonwealth for any class or classes of insurance unless the person is licensed for...
• Massachusetts General Laws - Insurance producer license; persons not required to be licensed - Chapter 175, Section 162J
  (a) Nothing in sections 162H to 162X, inclusive, shall be construed to require an insurer to obtain an insurance producer license. In this section, the...
• Massachusetts General Laws - Insurance producer license; written examination - Chapter 175, Section 162K
  (a) A resident individual applying for an insurance producer license shall pass a written examination unless exempt pursuant to section 162O. The examination shall test...
• Massachusetts General Laws - Insurance producer license; application; requirements for approval - Chapter 175, Section 162L
  (a) A person applying for a resident insurance producer license shall make application to the commissioner on the uniform application and declare under penalty of...
• Massachusetts General Laws - Insurance producer license; qualification; lines of authority - Chapter 175, Section 162M
  (a) Unless denied licensure pursuant to section 162R, persons who have met the requirements of sections 162K and 162L shall be issued an insurance producer...
• Massachusetts General Laws - Insurance producer license; nonresident producer licenses - Chapter 175, Section 162N
  (a) Unless denied licensure pursuant to section 162R, a nonresident person shall receive a nonresident producer license if:— (1) the person is currently licensed as...
• Massachusetts General Laws - Insurance producer license; application by individual licensed as an insurance producer in another state - Chapter 175, Section 162O
  (a) An individual who applies for an insurance producer license in the commonwealth who was previously licensed for the same lines of authority in another...
• Massachusetts General Laws - Insurance producer doing business under assumed name; notice - Chapter 175, Section 162P
  An insurance producer doing business under any name other than the producer’s legal name is required to notify the commissioner prior to using the assumed
• Massachusetts General Laws - Insurance producer license; temporary license - Chapter 175, Section 162Q
  (a) The commissioner may issue a temporary insurance producer license for a period not to exceed 180 days without requiring an examination if the commissioner...
• Massachusetts General Laws - Insurance producer license; suspension, revocation, refusal to issue or renew or levying of civil penalties - Chapter 175, Section 162R
  (a) The commissioner may place on probation, suspend, revoke or refuse to issue or renew an insurance producer’s license or may levy a civil penalty...
• Massachusetts General Laws - Insurance producers acting as agents of insurers; appointment procedures - Chapter 175, Section 162S
  (a) An insurance producer shall not act as an agent of an insurer unless the insurance producer becomes an appointed agent of that insurer. An...
• Massachusetts General Laws - Insurer’s termination of appointment, contract, etc. with producer; procedures - Chapter 175, Section 162T
  (a) An insurer or authorized representative of the insurer that terminates the appointment, employment, contract or other insurance business relationship with a producer shall notify...
• Massachusetts General Laws - Insurance producer license; waiver of requirements for nonresident license applicant - Chapter 175, Section 162U
  (a) The commissioner shall waive any requirements for a nonresident license applicant with a valid license from his home state, except the requirements imposed by...
• Massachusetts General Laws - Reporting of administrative action taken against insurance producer; reporting of criminal prosecution of insurance producer - Chapter 175, Section 162V
  (a) A producer shall report to the commissioner any administrative action taken against the producer in another jurisdiction or by another governmental agency in the...
• Massachusetts General Laws - Promulgation of regulations relating to insurance producers - Chapter 175, Section 162W
  [ Text of section effective until April 23, 2014. For text effective April 23, 2014, see below.]The commissioner may promulgate reasonable regulations as are necessary...
• Massachusetts General Laws - Severability of Secs. 162G to 162X - Chapter 175, Section 162X
  If any provisions of sections 162G to 162X, inclusive, or the application of a provision to any person or circumstances, shall be held invalid, the...
• Massachusetts General Laws - Portable electronics insurance - Chapter 175, Section 162Y
  [ Text of section added by 2014, 13, Sec. 2 effective April 23, 2014.](a) As used in this section, the following words shall, unless the...
• Massachusetts General Laws - Agents; licensing; cancellation, modification, revocation, or expiration of contract; referees; decision; review - Chapter 175, Section 163
  No company shall cancel the authority of any independent insurance agent for fire or casualty insurance, or both, if said agent is not an employee...
• Massachusetts General Laws - Repealed, 2002, 106, Sec. 7 - Chapter 175, Section 163A
  Repealed, 2002, 106, Sec.
• Massachusetts General Laws - Collectors of premiums - Chapter 175, Section 164
  A collector of premiums who does not solicit applications for or the renewal or continuance of insurance contracts, or act or aid in negotiating such...
• Massachusetts General Laws - Lapsed industrial life policies; effect on agents’ commissions - Chapter 175, Section 164A
  If a policy of industrial life insurance upon which premiums have been paid for three years or more lapses for non-payment of a premium and...
• Massachusetts General Laws - Repealed, 2002, 106, Sec. 8 - Chapter 175, Section 165
  Repealed, 2002, 106, Sec.
• Massachusetts General Laws - Repealed, 2002, 106, Sec. 9 - Chapter 175, Section 166
  Repealed, 2002, 106, Sec.
• Massachusetts General Laws - Repealed, 2002, 106, Sec. 10 - Chapter 175, Section 166A
  Repealed, 2002, 106, Sec.
• Massachusetts General Laws - Revocation of license; disposition of interest as proprietor, employee, etc. of insurance producer; appointment of receiver; injunction - Chapter 175, Section 166B
  Whenever the commissioner revokes a license in accordance with the provisions of section 162R, he may also order the person whose license has been revoked...
• Massachusetts General Laws - Repealed, 2002, 106, Sec. 15 - Chapter 175, Section 167
  Repealed, 2002, 106, Sec.
• Massachusetts General Laws - Insurance producer license; fee exemption for certain persons - Chapter 175, Section 167A
  No fee for an insurance producer’s license issued under section 162M shall be required of or on account of any veteran resident in this commonwealth,...
• Massachusetts General Laws - Special insurance brokers; licensing; procurement of insurance in unauthorized companies - Chapter 175, Section 168
  (a) As used in this section the following words shall, unless the context clearly requires otherwise, have the following meanings:- “Home state”, relative to an...
• Massachusetts General Laws - Procurement by special broker of insurance from an eligible alien unauthorized insurer - Chapter 175, Section 168A
  (a) As used in this section “eligible alien unauthorized insurer” shall mean a company formed under the laws of any government or state other than...
• Massachusetts General Laws - Effect of payment to agent or broker - Chapter 175, Section 169
  An insurance agent or broker acting for a person other than himself in negotiating, continuing or renewing any policy of insurance or any annuity or...
• Massachusetts General Laws - Agent or broker; procurement of payment of premium by fraud; penalty - Chapter 175, Section 170
  An insurance agent or broker who knowingly procures by fraudulent representations payment or the obligation for the payment of any premium on any policy of...
• Massachusetts General Laws - Illegal insurance contracts; liability of agent - Chapter 175, Section 171
  An insurance agent shall be personally liable on all contracts of insurance unlawfully made by or through him, directly or indirectly, for or in behalf...
• Massachusetts General Laws - Adjusters of fire losses; licensing; penalty; examination for applicants - Chapter 175, Section 172
  The commissioner may, upon the payment of the fee prescribed by section 14 and after successful completion of a written examination, issue to any suitable...
• Massachusetts General Laws - Voluntary association licenses - Chapter 175, Section 172A
  The licenses described in sections 162M, 162N, one hundred and sixty-eight and one hundred and seventy-two may, upon payment of the fees prescribed by section...
• Massachusetts General Laws - Partnership licenses - Chapter 175, Section 173
  The licenses described in sections 162M, 162N, one hundred and sixty-eight and one hundred and seventy-two may, upon payment of the fees prescribed by section...
• Massachusetts General Laws - Corporation licenses - Chapter 175, Section 174
  The licenses described in sections 162M, 162N, one hundred and sixty-eight and one hundred and seventy-two may, upon payment of the fees prescribed by section...
• Massachusetts General Laws - Hearings, revocation or suspension of licenses; notices - Chapter 175, Section 174A
  Notices of hearings required by section 162R, one hundred and seventy-two, one hundred and seventy-three or one hundred and seventy-four or of the revocation or...
• Massachusetts General Laws - Revoked licenses; surrender; renewal certificates; penalty - Chapter 175, Section 174B
  A person licensed under section 162M, 162N, one hundred and sixty-eight or one hundred and seventy-two shall, upon the revocation of his license and upon...
• Massachusetts General Laws - Repealed, 2002, 106, Sec. 33 - Chapter 175, Section 174C
  Repealed, 2002, 106, Sec.
• Massachusetts General Laws - Repealed, 2002, 106, Sec. 34 - Chapter 175, Section 174D
  Repealed, 2002, 106, Sec.
• Massachusetts General Laws - Repealed, 1998, 129, Sec. 3 - Chapter 175, Section 174E
  Repealed, 1998, 129, Sec.
• Massachusetts General Laws - Business Transacted With Broker-Controlled Insurer Act - Chapter 175, Section 174F
  Sections one hundred and seventy-four F to one hundred and seventy-four K, inclusive, shall be known and may be cited as the Business Transacted with...
• Massachusetts General Laws - Definitions applicable to Secs. 174F to 174K - Chapter 175, Section 174G
  As used in sections one hundred and seventy-four F to one hundred and seventy-four K, inclusive, the following words shall, unless the context clearly requires...
• Massachusetts General Laws - Applicability of Secs. 174F to 174K - Chapter 175, Section 174H
  Sections one hundred and seventy-four F to one hundred and seventy-four K, inclusive, shall apply to insurers as defined in section one hundred and seventy-four...
• Massachusetts General Laws - Written contract between controlling broker and insurer required - Chapter 175, Section 174I
  (A)(1) The provisions of section one hundred and seventy-four I shall apply if, in any calendar year, the aggregate amount of gross written premium on...
• Massachusetts General Laws - Notice to prospective insured disclosing broker-controlled insurer relationships - Chapter 175, Section 174J
  The broker, at the time or before an application is taken for the policy, shall deliver a separate written notice to the prospective insured disclosing...
• Massachusetts General Laws - Violations of Secs. 174F to 174K; remedies - Chapter 175, Section 174K
  (A) If the commissioner believes that the controlling broker or any other person as defined in section one hundred and seventy-four G has violated any...
• Massachusetts General Laws - Representation or advertisement as agent, broker or adjuster without being duly licensed; carrying on of business in name other than that stated in license - Chapter 175, Section 175
  Whoever, not being duly licensed as an insurance agent or broker or as an adjuster of fire losses, represents or holds himself out to the...
• Massachusetts General Laws - Larceny by agent or broker - Chapter 175, Section 176
  An insurance agent or broker who acts in negotiating or renewing or continuing a policy of insurance or an annuity or pure endowment contract issued...
• Massachusetts General Laws - Refund or credit of return premiums on cancelled motor vehicle policies; penalty - Chapter 175, Section 176A
  An insurance agent or broker or premium finance agency who has received a return premium on any motor vehicle insurance policy shall within thirty days...
• Massachusetts General Laws - Unlicensed persons; compensation; penalty - Chapter 175, Section 177
  No company and no officer, agent or employee thereof, and no duly licensed insurance producer, shall, directly or indirectly, pay or allow or offer or...
• Massachusetts General Laws - Insurance adviser defined - Chapter 175, Section 177A
  Whoever, not being an officer or a regular salaried employee of any company and acting for such company, or not being duly licensed as an...
• Massachusetts General Laws - Insurance adviser license - Chapter 175, Section 177B
  The commissioner, may, upon payment of the fee prescribed by section fourteen, issue to any applicant meeting the following requirements a license to act as...
• Massachusetts General Laws - Contracts or agreements with insurance adviser; enforceability - Chapter 175, Section 177C
  No contract or agreement of the type referred to in section one hundred and seventy-seven A with an insurance adviser shall be enforceable by him...
• Massachusetts General Laws - Statement and receipt from insurance adviser specifying advice given and fee paid - Chapter 175, Section 177D
  An insurance adviser who furnishes any advice or counsel as such adviser, makes any recommendation or gives any information except under the terms of a...
• Massachusetts General Laws - Continuing educational requirements - Chapter 175, Section 177E
  A. The provisions of this section shall apply to resident and nonresident persons licensed to engage in the sale of the following types of insurance:--...
• Massachusetts General Laws - Managing General Agents Act - Chapter 175, Section 177F
  Sections one hundred and seventy-seven G to one hundred and seventy-seven L, inclusive, may be cited as the Managing General Agents Act.
• Massachusetts General Laws - Definitions applicable to Secs. 177F to 177L - Chapter 175, Section 177G
  As used in sections one hundred and seventy-seven F to one hundred and seventy-seven L, inclusive, the following words shall, unless the context clearly requires...
• Massachusetts General Laws - Managing general agent; licensure and errors and omissions coverage required - Chapter 175, Section 177H
  (A) No person, firm, association or corporation shall act in the capacity of a managing general agent with respect to risks located in the commonwealth...
• Massachusetts General Laws - Contracts between managing general agent and insurer; required provisions - Chapter 175, Section 177I
  No person, firm, association or corporation acting in the capacity of a managing general agent shall place business with an insurer unless there is in...
• Massachusetts General Laws - Independent financial examination of managing general agent; actuary opinion of loss reserves; review of processing operations; notification to commissioner of appointment or termination - Chapter 175, Section 177J
  (A) The insurer shall have on file independent financial examinations, in a form acceptable to the commissioner, of each managing general agent with which it...
• Massachusetts General Laws - Acts of managing general agent considered acts of insurer; examination by commissioner - Chapter 175, Section 177K
  The acts of the managing general agent are considered to be the acts of the insurer on whose behalf it is acting. A managing general...
• Massachusetts General Laws - Administrative action against managing general agent; authority of commissioner; penalties - Chapter 175, Section 177L
  (A) Managing general agents shall be considered to be in the business of insurance for purposes of the applicability of chapter one hundred and seventy-six...
• Massachusetts General Laws - Reinsurance Intermediary Act - Chapter 175, Section 177M
  Sections one hundred and seventy-seven N to one hundred and seventy-seven W may be cited as the Reinsurance Intermediary Act.
• Massachusetts General Laws - Definitions applicable to Secs. 177M to 177W - Chapter 175, Section 177N
  As used in sections one hundred and seventy-seven M to one hundred and seventy-seven W, the following words shall, unless the context clearly requires otherwise,...
• Massachusetts General Laws - Reinsurance intermediary brokers; bonds; licenses; applications - Chapter 175, Section 177O
  (A) No person, either directly or as a member or employee of a firm or association, or an officer, director or employee of a corporation,...
• Massachusetts General Laws - Contracts between reinsurance intermediary broker and insurer; required provisions - Chapter 175, Section 177P
  A reinsurance intermediary broker shall represent or perform services for an insurer only pursuant to a written contract which specifies the responsibilities of each party....
• Massachusetts General Laws - Maintenance of records by reinsurance intermediary broker - Chapter 175, Section 177Q
  (A) For at least ten years after expiration of each contract of reinsurance negotiated by or through the reinsurance intermediary broker, the reinsurance intermediary broker...
• Massachusetts General Laws - Reinsurance intermediary broker license required; employment restrictions; annual financial statements - Chapter 175, Section 177R
  (A) An insurer shall not engage the services of any person, firm, association or corporation to act as a reinsurance intermediary broker on its behalf...
• Massachusetts General Laws - Contracts between reinsurance intermediary manager and reinsurer; required provisions - Chapter 175, Section 177S
  A reinsurance intermediary manager shall represent a reinsurer only pursuant to a written contract, specifying the responsibilities of each party, which shall be approved by...
• Massachusetts General Laws - Prohibited acts by reinsurance intermediary manager - Chapter 175, Section 177T
  The reinsurance intermediary manager shall not: (A) Cede retrocessions on behalf of the reinsurer, except that the reinsurance intermediary manager may cede facultative retrocessions pursuant...
• Massachusetts General Laws - Reinsurance intermediary manager license required; annual financial statements; actuary opinion of loss reserves; notice of termination; prohibited appointments - Chapter 175, Section 177U
  (A) A reinsurer shall not engage the services of any person, firm, association or corporation to act as a reinsurance intermediary manager on its behalf...
• Massachusetts General Laws - Examination of reinsurance intermediary by commissioner - Chapter 175, Section 177V
  (A) A reinsurance intermediary shall be subject to examination by the commissioner. The commissioner shall have access to all books, bank accounts and records of...
• Massachusetts General Laws - Administrative action against reinsurance intermediary; authority of commissioner; penalties - Chapter 175, Section 177W
  (A) A reinsurance intermediary shall be considered to be in the business of insurance for purposes of the applicability of chapter one hundred and seventy-six...
• Massachusetts General Laws - Receiver of insolvent company; compensation and accounts - Chapter 175, Section 178
  The compensation of receivers of insolvent companies shall be fixed by the supreme judicial court. All accounts rendered to the court by such receivers, except...
• Massachusetts General Laws - Receiver of insolvent company; appointment of commissioner, deputy or assistant as receiver - Chapter 175, Section 179
  In any proceeding in which application is made by or at the relation of the commissioner for the appointment, either temporary or permanent, of a...
• Massachusetts General Laws - Receiver of insolvent company; examination of accounts and transactions - Chapter 175, Section 180
  The commissioner, his deputy or examiner shall annually or oftener examine the accounts and transactions of all receivers of insolvent companies; and shall also carefully...
• Massachusetts General Laws - Definitions applicable to Secs. 180A to 180L1/2 - Chapter 175, Section 180A
  The following words as used in sections 180A to 180L1/2, inclusive, unless the context otherwise requires or a different meaning is specifically prescribed, shall have...
• Massachusetts General Laws - Domestic companies; rehabilitation proceedings - Chapter 175, Section 180B
  The commissioner may institute a rehabilitation proceeding against a domestic company conducting an intrastate business only, or against a domestic company transacting business in any...
• Massachusetts General Laws - Domestic companies; liquidation proceedings; approval of proposal to distribute; notice of application - Chapter 175, Section 180C
  If the commissioner deems that a domestic company which is the subject of a rehabilitation proceeding under section one hundred and eighty B, or which...
• Massachusetts General Laws - Domestic companies; duty of receivers to give notice of appointment - Chapter 175, Section 180D
  The receiver of any company of which this commonwealth is the domiciliary state, appointed under section six, section one hundred and eighty B or section...
• Massachusetts General Laws - Ancillary receiver of foreign insurer - Chapter 175, Section 180E
  Whenever under the laws of the commonwealth, an ancillary receiver is to be appointed in delinquency proceedings for an insurer not domiciled in the commonwealth,...
• Massachusetts General Laws - Proof of claims of non-residents; liquidation proceedings; priority of distribution - Chapter 175, Section 180F
  In any liquidation proceeding begun in this commonwealth against an insurer domiciled in this commonwealth, and transacting business in any other reciprocal state, claimants residing...
• Massachusetts General Laws - Proof of claims; liquidation proceedings; cause of action against policyholder - Chapter 175, Section 180G
  Where an insurer has been adjudicated to be insolvent by a decree made pursuant to section six or section one hundred and eighty C, any...
• Massachusetts General Laws - Contingent claims; distribution of assets of insolvent insurer - Chapter 175, Section 180H
  Except as provided in section one hundred and eighty G, no contingent claim shall share in a distribution of the assets of an insurer which...
• Massachusetts General Laws - Liquidation proceedings commenced in reciprocal state; proof of claims - Chapter 175, Section 180I
  If a liquidation proceeding is commenced in a reciprocal state against an insurer of which such state is the domiciliary state, claimants against such insurer...
• Massachusetts General Laws - Special deposit claims; liquidation proceedings; priority - Chapter 175, Section 180J
  The owners of special deposit claims against an insurer for which a receiver has been appointed in a liquidation proceeding in this or any other...
• Massachusetts General Laws - Secured claims; liquidation proceedings - Chapter 175, Section 180K
  The owner of a secured claim against an insurer for which a receiver has been appointed in a liquidation proceeding in this or any reciprocal...
• Massachusetts General Laws - Severability of Secs. 180A to 180K - Chapter 175, Section 180L
  If any provision of sections one hundred and eighty A to one hundred and eighty K, inclusive, or the application thereof to any person or...
• Massachusetts General Laws - Termination, liquidation, etc., and rights under security agreements relating to netting agreements or qualified financial contracts; transfer of netting agreement or qualified financial contracts - Chapter 175, Section 180L1/2
  (a) Notwithstanding any other provision of sections 180A to 180L1/2, inclusive, including any other provision of said sections 180A to 180L1/2, inclusive, permitting the modification...
• Massachusetts General Laws - Definitions applicable to this section and Secs. 180N to 180Q - Chapter 175, Section 180M
  As used in this section and in sections one hundred and eighty N to one hundred and eighty Q, inclusive, the following words shall have...
• Massachusetts General Laws - Adoption of bylaws reasonably necessary for operation of company during national emergency - Chapter 175, Section 180N
  In order to promote the general welfare and in particular the welfare of insurance beneficiaries, policyholders, injured claimants and others by enabling domestic insurance companies...
• Massachusetts General Laws - Provisions becoming effective upon occurrence of national emergency in absence of bylaws adopted pursuant to Sec. 180N - Chapter 175, Section 180O
  In the event that by-laws have not been adopted as provided in section one hundred and eighty N, the following provisions shall become effective upon...
• Massachusetts General Laws - Succession of officers during national emergency - Chapter 175, Section 180P
  At any time the board of directors of a domestic company may, by resolution, provide that in the event of a national emergency and in...
• Massachusetts General Laws - Location of home office or principal place of business of company in the event of national emergency - Chapter 175, Section 180Q
  At any time the board of directors of a domestic company may, by resolution, provide that in the event of a national emergency the home...
• Massachusetts General Laws - Misrepresentations by insurer; penalty - Chapter 175, Section 181
  No company, no officer or agent thereof and no insurance broker or insurance adviser shall make, issue, circulate or use, or cause or permit to...
• Massachusetts General Laws - Special inducements, etc.; rebates; loans in connection with student loan insurance programs - Chapter 175, Section 182
  No company, no officer or agent thereof and no insurance broker shall pay or allow, or offer to pay or allow, in connection with placing...
• Massachusetts General Laws - Rebates; acceptance; prohibition - Chapter 175, Section 183
  No person shall receive or accept from any company or officer or agent thereof, or any insurance broker, or any other person, any such rebate...
• Massachusetts General Laws - Application of Secs. 182 and 183 - Chapter 175, Section 184
  Sections one hundred and eighty-two and one hundred and eighty-three shall apply to all kinds of insurance, including contracts of corporate suretyship, except insurance of...
• Massachusetts General Laws - Deposits by companies in compliance with state laws to be held by state treasurer in trust - Chapter 175, Section 185
  The state treasurer in his official capacity shall take and hold in trust deposits made by any domestic company for the purpose of complying with...
• Massachusetts General Laws - Misrepresentation or warranty by insured; effect - Chapter 175, Section 186
  (a) No oral or written misrepresentation or warranty made in the negotiation of a policy of insurance by the insured or in his behalf shall...
• Massachusetts General Laws - Delivery of policy; presumptions - Chapter 175, Section 186A
  The delivery of any policy of life or endowment insurance or annuity contract shall create a presumption that any conditions precedent, other than a condition...
• Massachusetts General Laws - Effect of lack of sworn statement of loss; laws applicable - Chapter 175, Section 186B
  The provisions of section one hundred and two, relative to certain rights of an insured who has failed to render a sworn statement of loss,...
• Massachusetts General Laws - Foreign companies; contents of policies - Chapter 175, Section 187
  Policies of life or endowment insurance, group life insurance or insurance against accidental injury or disease issued by a foreign company in this commonwealth may,...
• Massachusetts General Laws - Actions on policies; limitation - Chapter 175, Section 187A
  If a suit or action on a policy of insurance, duly commenced within the time limited by any valid clause of such policy for commencing...
• Massachusetts General Laws - Cancellation of policy; failure to return premium; penalties - Chapter 175, Section 187B
  A company, or any officer, agent or employee thereof, having actual knowledge that the insured under any policy of insurance has paid the premium thereon...
• Massachusetts General Laws - Cancellation of policy; procedure - Chapter 175, Section 187C
  A company issuing any policy of insurance which is subject to cancellation by the company shall effect cancellation by serving the notice thereof provided by...
• Massachusetts General Laws - Cancellation of policy; non-payment of premium - Chapter 175, Section 187D
  A company issuing any policy of insurance which provides for cancellation by the company upon giving written notice to the insured and for the payment...
• Massachusetts General Laws - Small claims; payments to heirs of decedents - Chapter 175, Section 187E
  A company which upon the death of an individual residing in the commonwealth owes his estate an aggregate sum not exceeding ten thousand dollars under...
• Massachusetts General Laws - Cancellation of policies during strike of insurance agents - Chapter 175, Section 187F
  1. No life insurance policy, non-cancellable disability insurance contract, hospital expense or hospital and surgical expense contract, now or hereafter in force in the commonwealth,...
• Massachusetts General Laws - Lapse of certain life insurance policies during strike of agents; reinstatement - Chapter 175, Section 187G
  Any life insurance policy having nonforfeiture values, which is ineligible for an automatic premium loan or does not have an authorization for an automatic premium...
• Massachusetts General Laws - Owner’s right to cancel policy; notice; refund of prepaid premiums - Chapter 175, Section 187H
  No policy of individual life insurance with a face amount of less than twenty-five thousand dollars shall be delivered or issued for delivery in the...
• Massachusetts General Laws - Unlawful use of proxy; penalty - Chapter 175, Section 188
  A paid officer of a domestic mutual company who asks for, receives or procures to be obtained or uses a proxy to vote in violation...
• Massachusetts General Laws - Policies in violation of this chapter; penalty - Chapter 175, Section 189
  A company or any officer or agent thereof who makes, issues or delivers a policy of insurance or an annuity or pure endowment contract in...
• Massachusetts General Laws - Repealed, 1924, 406, Sec. 17 - Chapter 175, Section 190
  Repealed, 1924, 406, Sec.
• Massachusetts General Laws - Definitions applicable to this section and Secs. 190B and 190C - Chapter 175, Section 190A
  The following words and phrases for the purposes of this section and the following two sections, shall have the following meanings:— “Mass marketed life or...
• Massachusetts General Laws - Mass marketed life or health insurance; reasonableness of charges; findings; orders; review - Chapter 175, Section 190B
  No mass marketed life or health insurance may continue to be sold or offered to persons in the commonwealth if the commissioner finds that the...
• Massachusetts General Laws - Mass marketed life or health insurance; nonresident insurers; compliance with state laws - Chapter 175, Section 190C
  Any insurer extending mass marketed life or health insurance under a group or blanket policy issued outside the commonwealth to residents of the commonwealth shall:...
• Massachusetts General Laws - Commissioner; power to require submission of policies and circulars for inspection; penalty - Chapter 175, Section 191
  The commissioner may require a company to submit for his inspection copies of any policy form used by the company; a form of any rider,...
• Massachusetts General Laws - Property damage to insured’s motor vehicle; notice of losses; arbitration clause - Chapter 175, Section 191A
  No company shall issue a policy or contract which insures against physical damage to a motor vehicle of the insured unless said policy contains in...
• Massachusetts General Laws - Riders and endorsements; commissioner’s approval - Chapter 175, Section 192
  All provisions of law relative to the filing of policy forms with, and the approval of such forms by, the commissioner shall also apply to...
• Massachusetts General Laws - Loose leaf policies; filing and approval - Chapter 175, Section 192A
  In the case of policies and contracts issued in accordance with sections one hundred and eight, one hundred and thirty-two, one hundred and thirty-two A,...
• Massachusetts General Laws - Policies issued contrary to this chapter; validity - Chapter 175, Section 193
  Any policy of insurance or any annuity or pure endowment contract issued in violation of any provision of this chapter shall be valid and binding...
• Massachusetts General Laws - Jurisdiction of superior court to restrain violations of chapter and enforce compliance of provisions thereof - Chapter 175, Section 193A
  The superior court shall have jurisdiction in equity, upon an information filed by the attorney general at the relation of the commissioner, to restrain all...
• Massachusetts General Laws - Motor vehicle insurance; instalment payments - Chapter 175, Section 193B
  Insurance companies may accept payment of motor vehicle insurance premiums in instalments under plans, rates and charges approved by the commissioner as equitable and nondiscriminatory.
• Massachusetts General Laws - Motor vehicle insurance; interest charges on installment payments - Chapter 175, Section 193B1/2
  Any insurance company which accepts payments of motor vehicle insurance premiums in installments shall calculate the interest charge only on the unpaid balance due as...
• Massachusetts General Laws - Domestic companies; interlocking directorates; regulations; procedure - Chapter 175, Section 193C
  Any domestic insurance company may have as a director a person who is also a director of another insurance company, which may be an alien,...
• Massachusetts General Laws - Domestic companies; power to acquire stock of other companies; regulations - Chapter 175, Section 193D
  A domestic insurance company may retain, invest in or acquire, subject to the provisions of sections sixty-three to sixty-eight, inclusive, the stock, guaranty capital or...
• Massachusetts General Laws - Coercion in the placing of insurance on real or personal property prohibited; fines; exceptions - Chapter 175, Section 193E
  No person, firm or corporation engaged in the business of financing the purchase of real or personal property or of lending money on the security...
• Massachusetts General Laws - Policy forms; filing with commissioner; approval - Chapter 175, Section 193F
  The thirty-day period specified in sections two B, twenty-two A, one hundred and eight, one hundred and thirty-two, one hundred and thirty-two B and one...
• Massachusetts General Laws - Policy forms; disapproval; resubmission for approval - Chapter 175, Section 193G
  Whenever the commissioner notifies a company in writing, pursuant to sections two B, twenty-two A, one hundred and eight, one hundred and thirty-two, one hundred...
• Massachusetts General Laws - Policy forms; withdrawal of approval; notice and hearing; review - Chapter 175, Section 193H
  The commissioner may at any time give notice to the insurer of his intention to withdraw his approval of any form required to be filed...
• Massachusetts General Laws - Disclosure of investments of officers, directors and principal stockholders - Chapter 175, Section 193I
  (a) As used in this section and in section one hundred and ninety-three J, the following terms shall have the following meanings:— “Equity security”, any...
• Massachusetts General Laws - Solicitation of proxies - Chapter 175, Section 193J
  (a) It shall be unlawful for any person in contravention of such rules and regulations, as the commissioner may prescribe as necessary or appropriate in...
• Massachusetts General Laws - Professional services; provisions for payment; discrimination - Chapter 175, Section 193K
  Wherever an insurance policy, certificate or service contract provides for reimbursement or payment for any services which may be legally performed by any person, licensed...
• Massachusetts General Laws - Repealed, 1993, 226, Sec. 49 - Chapter 175, Section 193L to 193N
  Repealed, 1993, 226, Sec.
• Massachusetts General Laws - Repealed, 1972, 543, Sec. 2 - Chapter 175, Section 193O
  Repealed, 1972, 543, Sec.
• Massachusetts General Laws - Fire insurance policies; nonrenewal notice provision; requisites of notice - Chapter 175, Section 193P
  Except as otherwise specifically provided in this chapter, no policy providing protection against loss by reason of fire to a dwelling or contents thereof shall...
• Massachusetts General Laws - Repealed, 1993, 226, Sec. 50 - Chapter 175, Section 193Q
  Repealed, 1993, 226, Sec.
• Massachusetts General Laws - Group marketing plans for automobile and homeowner insurance; definitions; rules and regulations; rates; payroll deductions - Chapter 175, Section 193R
  The following words, as used in this section, shall, unless the context otherwise requires, have the following meanings:— “Association member”, a member of a trade...
• Massachusetts General Laws - Repealed, 1993, 226, Sec. 50A - Chapter 175, Section 193S
  Repealed, 1993, 226, Sec.
• Massachusetts General Laws - Discrimination based on blindness, intellectual disability, or physical impairment - Chapter 175, Section 193T
  No insurance company offering for sale policies of life, accident, health, disability, or sickness insurance, or any other policy of insurance, shall make any distinction...
• Massachusetts General Laws - Discrimination based on specialty practiced; risk classification; definitions - Chapter 175, Section 193U
  Every medical malpractice insurer shall make available to every health care provider every primary medical malpractice insurance coverage, as defined in the plan or rules...
• Massachusetts General Laws - General penalty - Chapter 175, Section 194
  Whoever violates any provision of this chapter, the penalty whereof is not specifically provided for herein, shall be punished by a fine of not more...
• Massachusetts General Laws - Insurance companies writing fire and multiple peril policies required to contribute to costs of training firefighting personnel, enforcement of certain fire code regulations, fire education programs, equipment and facility improvements - Chapter 175, Section 195
  (a) Sums for the estimated expenses for the purposes specified in subsection (b) shall be paid to the commonwealth by insurance companies writing fire, homeowners...
• Massachusetts General Laws - Payment under liquor liability insurance; notice to Attorney General - Chapter 175, Section 196
  Where a payment is made by an insurer under the terms of a policy of liquor liability insurance, it shall be the duty of the...
• Massachusetts General Laws - Repealed, 1989, 341, Sec. 84 - Chapter 175, Section 197 to 203
  Repealed, 1989, 341, Sec.
• Massachusetts General Laws - Regulations governing replacement of life insurance policies and annuities; promulgation - Chapter 175, Section 204
  The commissioner shall, after notice and hearing pursuant to chapter thirty A, promulgate regulations governing the replacement of life insurance policies and annuities. Such regulations...
• Massachusetts General Laws - Policies providing supplemental coverage to medicare; approval by commissioner; employers or trade unions exception; regulations - Chapter 175, Section 205
  Notwithstanding any provision of sections one hundred and eight, one hundred and ten, one hundred and ninety A, one hundred and ninety B and one...
• Massachusetts General Laws - Definitions applicable to Secs. 206 to 206D - Chapter 175, Section 206
  As used in sections two hundred and six, two hundred and six A, two hundred and six B, two hundred and six C, and two...
• Massachusetts General Laws - Domestic insurers; investment in capital stock of subsidiaries - Chapter 175, Section 206A
  (a) In addition to capital stock investments authorized or permitted elsewhere in this chapter, and provided that the insurer has satisfied the requirements of section...
• Massachusetts General Laws - Merger or acquisition of control; statement filed with commissioner; hearing; approval; violations - Chapter 175, Section 206B
  (a) No person other than the issuer shall make a tender offer for or a request or invitation for tenders of, or enter into any...
• Massachusetts General Laws - Registration statements; transactions requiring commissioner’s approval; determination of reasonable surplus; confidentiality of information - Chapter 175, Section 206C
  (a) Every insurer which is authorized to do business in the commonwealth and which is a member of an insurance holding company system shall register...
• Massachusetts General Laws - Violations of Secs. 206 to 206D or rule issued thereunder; injunctive relief; voting of improperly acquired securities; penalties - Chapter 175, Section 206D
  (a)(1) Whenever it appears to the commissioner that any insurer or any director, officer, employee or agent thereof has committed or is about to commit...
• Massachusetts General Laws - Acquisition of stock of subsidiary insurer; approval of plan by commissioner; objections of shareholders - Chapter 175, Section 207
  (a) As used in this section, the following words shall, unless the context clearly requires otherwise, have the following meanings:— “Parent corporation”, a corporation organized...
• Massachusetts General Laws - Merger of insurance holding company system into domestic insurance subsidiary - Chapter 175, Section 208
  Any member of an insurance holding company system, as such is described in sections two hundred and six to two hundred and six D, inclusive,...
• Massachusetts General Laws - Commissioner’s issuance of licenses to banks or credit unions to act as insurance producers - Chapter 175, Section 209
  The commissioner may issue a license pursuant to section 162M and section 162N to a bank or credit union chartered by the commonwealth pursuant to...
• Massachusetts General Laws - Procedure for resolution of consumer complaints relative to banks or credit unions acting as insurance agents - Chapter 175, Section 210
  The commissioner, in conjunction with the commissioner of banks, shall establish a procedure for the prompt resolution of consumer complaints relative to the activities of...
• Massachusetts General Laws - Information relating to insurance activities of banks or credit unions furnished to federal agencies - Chapter 175, Section 211
  The commissioner may, in his discretion, furnish to the commissioner of banks and to federal bank regulatory agencies information relating to the insurance activities of...
• Massachusetts General Laws - Definitions applicable to Secs. 212 to 223E - Chapter 175, Section 212
  [Text of section applicable as provided by 2012, 434, Sec. 4.] As used in this section and sections 213 to 223E, inclusive, the following words...
• Massachusetts General Laws - License requirement for life settlement providers and life settlement brokers - Chapter 175, Section 213
  [Text of section applicable as provided by 2012, 434, Sec. 4.] (a) No person shall act as a life settlement provider or, except as provided...
• Massachusetts General Laws - Suspension, revocation or refusal of renewal of life settlement provider or life settlement broker license - Chapter 175, Section 214
  [Text of section applicable as provided by 2012, 434, Sec. 4.] (a) The commissioner may suspend, revoke or refuse to renew the license of a...
• Massachusetts General Laws - Approval of life settlement contract form and disclosure statement form - Chapter 175, Section 215
  [Text of section applicable as provided by 2012, 434, Sec. 4.] (a) No person shall use any form of life settlement contract or provide to...
• Massachusetts General Laws - Annual statement of life settlement provider - Chapter 175, Section 216
  [Text of section applicable as provided by 2012, 434, Sec. 4.] (a) A life settlement provider shall file with the commissioner, annually on or before...
• Massachusetts General Laws - Disclosure by life settlement provider, broker, insurance company, etc., of individual identification data of insured - Chapter 175, Section 217
  [Text of section applicable as provided by 2012, 434, Sec. 4.] (a) Except as otherwise authorized or required by law, a life settlement provider, life...
• Massachusetts General Laws - Examination of business and affairs of life settlement provider, broker or applicant - Chapter 175, Section 218
  [Text of section applicable as provided by 2012, 434, Sec. 4.] (a) The commissioner may, when the commissioner deems it reasonably necessary to protect the...
• Massachusetts General Laws - Advertising by life settlement broker or provider - Chapter 175, Section 219
  [Text of section applicable as provided by 2012, 434, Sec. 4.] (a) A licensed life settlement broker or life settlement provider may conduct or participate...
• Massachusetts General Laws - Required disclosures by life settlement providers and brokers - Chapter 175, Section 220
  [Text of section applicable as provided by 2012, 434, Sec. 4.] (a) Not later than the date of application for a life settlement contract, a...
• Massachusetts General Laws - Use of policy as collateral in premium finance loan - Chapter 175, Section 221
  [Text of section applicable as provided by 2012, 434, Sec. 4.] (a) Insurance carriers may inquire in the application for insurance whether the proposed owner...
• Massachusetts General Laws - General rules relating to life settlement contracts - Chapter 175, Section 222
  [Text of section applicable as provided by 2012, 434, Sec. 4.] (a) A life settlement provider entering into a life settlement contract with an owner...
• Massachusetts General Laws - Conflict of laws - Chapter 175, Section 223
  [Text of section applicable as provided by 2012, 434, Sec. 4.] (a) If there is more than 1 owner on a single policy and the...
• Massachusetts General Laws - Fraudulent life settlement acts - Chapter 175, Section 223A
  [Text of section applicable as provided by 2012, 434, Sec. 4.] (a) A person shall not commit a fraudulent life settlement act. (b) “Fraudulent life...
• Massachusetts General Laws - Control, prevention and reporting of fraud relating to life settlement contracts - Chapter 175, Section 223B
  [Text of section applicable as provided by 2012, 434, Sec. 4.] (a)(1) A person shall not knowingly and intentionally interfere with the enforcement or investigations...
• Massachusetts General Laws - Remedies for violations of Secs. 213 to 223E - Chapter 175, Section 223C
  [Text of section applicable as provided by 2012, 434, Sec. 4.] (a) If a person violates any provisions of sections 213 to 223E, inclusive, or...
• Massachusetts General Laws - Penalties - Chapter 175, Section 223D
  [Text of section applicable as provided by 2012, 434, Sec. 4.] (a) If a person is found guilty of committing a fraudulent life settlement act,...
• Massachusetts General Laws - Violation of Secs. 213 to 223E deemed unfair trade practice - Chapter 175, Section 223E
  [Text of section applicable as provided by 2012, 434, Sec. 4.] A violation of sections 213 to 223E, inclusive, shall be an unfair trade practice...
• Massachusetts General Laws - Authority of commissioner to promulgate regulations - Chapter 175, Section 223F
  [Text of section applicable as provided by 2012, 434, Sec. 4.] The commissioner may promulgate regulations to implement sections 212 to 223E, inclusive.
• Massachusetts General Laws - Large commercial policy holders; definitions; commercial risks; records examination - Chapter 175, Section 224
  (a) For the purposes of this section, the following words shall have the following meanings: “Contract of insurance”, a contract of insurance as defined in...
• Massachusetts General Laws - Disclosure notice in policy issued pursuant to commercial risks provisions of Sec. 224; large commercial policy holders - Chapter 175, Section 225
  (a) A policy issued pursuant to the commercial risks provisions of section 224 shall contain the following disclosure notice to the policyholder:— The policy applied...

Last modified: September 11, 2015