Merritt Personal Lines Manual: Appendix: Sample State Insurance Code - Part 2
PART 2. LIFE AND DISABILITY INSURANCE
CHAPTER 1. THE CONTRACT
Article 1. General Provisions ........ 10110-10127.18
Article 1.5. Discontinuance of Group Life Insurance and Discontinuance and Replacement of Group Disability Insurance ........ 10128-10128.4
Article 1.7. California Cobra Program ...... 10128.50-10128.59
Article 2. Transfer ............ 10129-10133.9
Article 2.3. Transfers of Structured Settlement Payment Rights ............ 10134-10139.5
Article 2.5. Discriminatory Practices ....... 10140-10145.4
Article 2.6. Underwriting on the Basis of Test of Genetic Characteristics .......... 10146-10149.1
Article 3. Policy Provisions Required ....... 10150-10154
Article 3a. Standard Nonforfeiture Law for Life Insurance .......... 10159.1-10167.5
Article 3b. Standard Nonforfeiture Law for Individual Deferred Annuities ........ 10168-10168.93
Article 3.5. Appeals Seeking Independent Medical Review .. 10169-10169.5
Article 4. Payment and Proceeds ......... 10170-10180
Article 5. Exemptions and Miscellaneous Provisions Relating to Insurance Contracts ........ 10190-10192
Article 6. Medicare Supplement Policies ..... 10192.1-10192.23
Article 7. Preexisting Condition Provisions and Late Enrollees ........... 10198.6-10198.9
CHAPTER 1.5. HEALTH COVERAGE CONTRACT NOTIFICATION
Article 1. Purpose and Title ........... 10199
Article 2. General Provisions ........ 10199.1-10199.48
Article 3. Administration and Enforcement ..... 10199.5-10199.9
CHAPTER 2. GROUP LIFE POLICIES .......... 10200-10214
CHAPTER 2.5. BLANKET LIFE INSURANCE ........ 10220-10225
CHAPTER 2.6. LONG-TERM CARE INSURANCE
Article 1. Definitions ........... 10231-10231.8
Article 3. General Provisions ......... 10232-10233.9
Article 3. Administration and Enforcement ...... 10234-10234.7
Article 3.7. Consumer Protection ....... 10234.8-10234.97
Article 4. Implementation .......... 10235-10236.8
Article 5. Inflation Escalator and Benefit Increases .. 10237-10237.6
CHAPTER 3. BURIAL CONTRACTS .......... 10240-10252
CHAPTER 4. STANDARD PROVISIONS IN DISABILITY POLICIES
Article 1. Scope of Chapter and Definitions ...... 10270-10279
Article 2. Approval of Commissioner ........ 10290-10293
Article 2.5. Transportation Ticket Policies ...... 10295-10296
Article 3. Policy Form Generally--Uniform Provisions ... 10320-10328
Article 4. Compulsory Standard Provisions--Uniform Provisions ............ 10350-10354
Article 5. Optional Standard Provisions and Special Provisions--Uniform Provisions .... 10369.1-10369.12
Article 6. Interpretation of Policy ........ 10380-10390
Article 7. Exemption .............. 10395
Article 8. Penalties ............ 10400-10402.1
CHAPTER 5. GENERAL REGULATION OF LIFE INSURERS
Article 1. Restrictions on Business ........ 10430-10436
Article 1a. Regulation of Internal Affairs of Mutual Insurers ............ 10440-10442
Article 2. Registration of Life Policies ...... 10450-10463
Article 3. Valuation of Life Policies ....... 10478-10489
Article 3a. Standard Valuation Law ...... 10489.1-10489.95
Article 4. Qualifications and Exemptions ...... 10490-10505.1
Article 5. Pension Funds, Separate Accounts ..... 10506-10506.5
Article 6. Investment Return Assurance ...... 10507-10507.4
Article 6.5. Portfolio Indexing .......... 10507.5
Article 7. Records ............ 10508-10508.8
Article 8. Requirements for Replacement of Life Insurance and Annuity Policies ........ 10509-10509.9
CHAPTER 5.5. LIFE INSURANCE POLICY ILLUSTRATIONS .. 10509.950-10509.965
CHAPTER 5.6. LIFE INSURANCE COST INDEXES .... 10509.970-10509.975
CHAPTER 6. INCORPORATED LIFE INSURERS ISSUING POLICIES ON A RESERVE BASIS
Article 1. Capital ............. 10510-10512
Article 2. Dividends .............. 10530
Article 3. Premiums and Premium Accounts ...... 10540-10541
CHAPTER 7. DISABILITY INSURANCE DISCLOSURE ...... 10600-10609
CHAPTER 8. SMALL EMPLOYER HEALTH INSURANCE
Article 1. Definitions ............ 10700-10701
Article 2. Small Employer Carrier Requirements .... 10702-10718.7
Article 3. Voluntary Reinsurance Mechanism ...... 10719-10729
Article 4. Purchasing Pool for Small Employers .... 10730-10749
CHAPTER 8.5. COVERAGE FOR FEDERALLY ELIGIBLE DEFINED INDIVIDUALS 10785
CHAPTER 9. THE PRIVATE HEALTH CARE VOLUNTARY PURCHASING ALLIANCE ACT
Article 1. General ............. 10800-10803
Article 2. Definitions ............. 10810
Article 3. Regulation ............ 10820-10826
Article 4. Conflicts of Interest .......... 10830
Article 5. Additional Powers of and Restrictions on Purchasing Alliances ......... 10840-10845
Article 6. Participating Carriers ........ 10850-10856
Article 7. Contracts with Employers, Small Employers, and Participating Carriers ........ 10860-10861
Article 8. Marketing ............ 10870-10873
Article 9. Solvency .............. 10880
Article 10. Exemptions ............ 10885-10887
CHAPTER 9.5. INDIVIDUAL ACCESS TO CONTRACTS FOR HEALTH CARE SERVICES .......... 10900-10902.6
CHAPTER 10. FRATERNAL BENEFIT SOCIETIES
Article 1. Scope of Chapter .......... 10970-10976
Article 2. Definitions ............ 10990-10993
Article 3. Organization ........... 11010-11033
Article 4. Benefits ............ 11040-11044
Article 5. Contract ............ 11060-11073
Article 6. Powers of Commissioner ........ 11090-11112
Article 7. Financial Matters .......... 11120-11146
Article 8. Violations and Penalties ........ 11160-11165
CHAPTER 10A. FIREMEN'S, POLICEMEN'S, OR PEACE OFFICERS' BENEFIT AND RELIEF ASSOCIATIONS ..... 11400-11407
CHAPTER 11. CHANGE BY ASSESSMENT PLAN INSURER TO RESERVE PLAN
Article 1. Authorization and Effect ........ 11420-11422
Article 2. Capital Adjustments .......... 11440-11443
Article 3. Transfer of Insurance .......... 11460
Article 4. Powers of Insurer After Transformation .... 11470-11472
Article 5. Valuation of Policies .......... 11490
CHAPTER 12. GRANTS AND ANNUITIES SOCIETIES ...... 11520-11524
CHAPTER 13. VOLUNTARY MUTUALIZATION OF INCORPORATED LIFE AND LIFE AND DISABILITY INSURERS HAVING A CAPITAL STOCK AND ISSUING NONASSESSABLE POLICIES ON A RESERVE BASIS
Article 1. Authority and Requirements to Mutualize ... 11525-11528
Article 2. Execution of Plan .......... 11529-11533
CHAPTER 14. CONVERSION OF AN INCORPORATED MUTUAL LIFE OR LIFE AND DISABILITY INSURER INTO AN INCORPORATED STOCK LIFE INSURER ISSUING POLICIES ON A RESERVE BASIS
Article 1. Authority and Requirements to Convert .... 11535-11549
PART 3. LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE
CHAPTER 1. GENERAL REGULATIONS
Article 1. Reserves of Insurers ......... 11550-11558
Article 2. Actions on Policies Containing Liability Provisions ........... 11580-11589.5
Article 2.5. Personal Liability Insurance Providing Workers' Compensation Coverage for Household Employees ........ 11590-11593
Article 3. Capital Requirements of Reserve Basis Insurers .. 11600-11602
Article 4. Assigned Risk Plans .......... 11620-11627
Article 5. Motor Vehicle Liability Insurance .... 11628-11629.5
Article 5.5. California Low-Cost Automobile Insurance Program .......... 11629.7-11629.85
CHAPTER 2. WORKERS' COMPENSATION POLICIES
Article 1. Definitions ............ 11630-11631
Article 2. Policy Provisions .......... 11650-11665
CHAPTER 3. REGULATION OF BUSINESS OF WORKERS' COMPENSATION INSURANCE
Article 1. Deposits by Workers' Compensation Insurers .. 11690-11703
Article 2. State Rate Supervision ........ 11730-11742
Article 3. Rating and Other Organizations ...... 11750-11759.2
Article 4. Penalties for Misrepresentation ....... 11760
Article 5. Standards Applicable to Claims Adjusters .... 11761
CHAPTER 4. THE STATE COMPENSATION INSURANCE FUND
Article 1. Organization and Powers ........ 11770-11805
Article 2. Rates .............. 11820-11822
Article 3. Policies ............ 11840-11846
Article 4. Reports and Statements .......... 11860
Article 5. Coverage of Public Employers ....... 11870-11874
Article 6. Penalties ............ 11880-11881
CHAPTER 5. MARKET ASSISTANCE PROGRAM FOR LONG-TERM HEALTH CARE FACILITY LIABILITY INSURANCE ...... 11890-11892
PART 4. MISCELLANEOUS CASUALTY INSURANCES
CHAPTER 1. SURETY INSURERS ON RESERVE BASIS; CAPITAL REQUIREMENTS AND PERMITTED INSURANCES
Article 1. Capital and Scope of Business ...... 12050-12055
Article 2. Administrative Control ........ 12070-12073
Article 3. Special Restrictions on Business ...... 12090-12093
Article 4. Special Regulations .......... 12095-12097
Article 5. Financial Guaranty Insurance ....... 12100-12122
CHAPTER 2. OTHER CASUALTY INSURERS ON RESERVE BASIS; CAPITAL REQUIREMENTS AND PERMITTED INSURANCES ...... 12124
CHAPTER 3. GROUP AND INDIVIDUAL PLANS FOR LEGAL INSURANCE .. 12125-12129
PART 5. MOTOR CLUBS
CHAPTER 1. DEFINITIONS AND EXEMPTIONS ........ 12140-12159
CHAPTER 2. CERTIFICATE OF AUTHORITY ........ 12160-12170
CHAPTER 3. THE SERVICE CONTRACT .......... 12250-12256
CHAPTER 4. AGENTS .............. 12280-12281
CHAPTER 5. PENALTIES .............. 12311
PART 6. INSURANCE COVERING LAND
CHAPTER 1. TITLE INSURANCE
Article 1. Definitions ............ 12340-12342
Article 2. Title Insurers; Capital and Guarantee Fund Requirements ........... 12350-12360
Article 3. Title Insurers: Finances and Investments ... 12370-12377
Article 3.5. Unearned Premium Reserve and Reserve for Unpaid Losses and Loss Expense ...... 12380-12388
Article 3.7. Underwritten Title Companies ...... 12389-12389.6
Article 4. General Powers ........... 12390-12394
Article 4.5. Business Plans .......... 12396-12399
Article 5. Exemptions ........... 12400-12400.5
Article 5.5. Rate Filing and Regulation ...... 12401-12401.10
Article 5.7. Advisory Organizations ....... 12402-12402.2
Article 6. Rebates and Commissions ........ 12404-12413.5
Article 6.7. Hearings, Procedure, and Judicial Review 12414.13-12414.19
Article 6.9. Examinations, Penalties and Miscellaneous 12414.20-12414.31
Article 7. Annual Renewal Fees .......... 12415-12417
CHAPTER 2. MORTGAGE INSURANCE
Article 1. Definitions ............ 12420-12428
Article 2. Capital Requirements and Permitted Insurances .. 12440-12442
Article 3. Profits, Surplus and Dividends ...... 12460-12464
Article 4. Investments and Loans ........ 12480-12490
Article 5. Restrictions on Policies ........ 12500-12502
Article 6. Mortgage Participation Certificates and Trusts .. 12520-12532
Article 7. Amendment, Cancellation and Exchange of Mortgage Participation Certificates and Securities ... 12540-12543
Article 8. Conservatorship .......... 12550-12569
Article 9. Appraisers and Appraisements ....... 12580-12584
Article 11. Moratoria on Securities .......... 12620
Article 11.5. Rehabilitation ......... 12629-12629.48
Article 12. Penalties ............ 12630-12631
CHAPTER 2A. MORTGAGE GUARANTY INSURANCE
Article 1. Definitions .......... 12640.01-12640.02
Article 2. Capital, Surplus and Contingency Reserve Requirements .......... 12640.03-12640.06
Article 4. Limitations and Restrictions for Transacting Business ....... 12640.07-12640.11
Article 5. Rebates and Commissions ...... 12640.12-12640.15
Article 6. Financial Statements .......... 12640.16
Article 7. Applicability of Other Laws ........ 12640.17
Article 8. Additional Powers of Commissioner ...... 12640.18
Article 9. Advertising ............ 12640.19
Article 10. Fees .............. 12640.20
CHAPTER 3. LAND VALUE INSURANCE .......... 12660-12661
PART 6.1. HEALTH DISABILITY INSURANCE CONVERSION .... 12670-12692.5
PART 6.2. HEALTHY FAMILIES
CHAPTER 1. PURPOSE ............... 12693
CHAPTER 2. DEFINITIONS .......... 12693.01-12693.17
CHAPTER 3. CREATION OF PROGRAM AND POWERS OF THE BOARD 12693.20-12693.21
CHAPTER 4. ADMINISTRATION .......... 12693.25-12693.54
CHAPTER 5. HEALTH BENEFITS AND COPAYMENTS .... 12693.60-12693.62
CHAPTER 6. DENTAL BENEFITS AND COPAYMENTS .... 12693.63-12693.64
CHAPTER 7. VISION BENEFITS AND COPAYMENTS .... 12693.65-12693.66
CHAPTER 8. LINKAGES WITH PUBLIC PROGRAMS ..... 12693.68-12693.69
CHAPTER 9. ELIGIBILITY .......... 12693.70-12693.765
CHAPTER 10. FISCAL INTEGRITY ........... 12693.77
CHAPTER 11. PROTECTION AGAINST SUBSTITUTION OF BENEFITS 12693.80-12693.84
CHAPTER 12. APPEALS ........... 12693.85-12693.89
CHAPTER 13. HEALTHY FAMILIES ADVISORY BOARD ....... 12693.90
CHAPTER 14. RURAL DEMONSTRATION PROJECT ..... 12693.91-12693.915
CHAPTER 15. REPORTS ........... 12693.92-12693.95
CHAPTER 16. FUNDS ............ 12693.96-12693.97
CHAPTER 16.1. HEALTHY FAMILIES BRIDGE BENEFITS PROGRAM .. 12693.98-12694
CHAPTER 17. REPEAL
PART 6.3. ACCESS FOR INFANTS AND MOTHERS
CHAPTER 1. GENERAL PROVISIONS AND DEFINITIONS
Article 1. General ............ 12695-12695.24
CHAPTER 2. POWERS AND DUTIES OF THE BOARD
Article 1. Administration .......... 12696-12696.20
Article 2. Advisory Panel ............ 12696.5
CHAPTER 3. PARTICIPATING HEALTH PLANS ...... 12696.7-12697.15
CHAPTER 4. SUBSCRIBER ELIGIBILITY AND ENROLLMENT
Article 1. Eligibility and Coverage ....... 12698-12698.35
Article 2. Unfair Competition and Labor Practices .. 12698.50-12698.56
CHAPTER 5. PERINATAL INSURANCE FUND ....... 12699-12699.05
CHAPTER 6. OPERATION OF PROGRAM
PART 6.4. COUNTY HEALTH INITIATIVE MATCHING FUND ... 12699.50-12699.63
PART 6.5. CALIFORNIA MAJOR RISK MEDICAL INSURANCE PROGRAM
CHAPTER 1. GENERAL ............... 12700
CHAPTER 2. DEFINITIONS .............. 12705
CHAPTER 3. POWERS AND DUTIES .......... 12710-12714
CHAPTER 4. POLICIES ISSUED BY THE BOARD ....... 12715-12718
CHAPTER 5. PARTICIPATING HEALTH PLANS ........ 12720-12723
CHAPTER 6. SUBSCRIBER ELIGIBILITY AND ENROLLMENT .... 12725-12733
CHAPTER 7. PLAN RATES AND COMPENSATION FROM THE FUND ... 12735-12738
CHAPTER 8. MAJOR RISK MEDICAL INSURANCE FUND ..... 12739-12739.4
PART 7. HOME PROTECTION
CHAPTER 1. DEFINITIONS AND LICENSING ........ 12740-12745
CHAPTER 2. FISCAL REQUIREMENTS .......... 12750-12757
CHAPTER 3. OTHER PROVISIONS .......... 12760-12764
PART 8. SERVICE CONTRACTS ........... 12800-12865
DIVISION 3. THE INSURANCE COMMISSIONER
CHAPTER 1. APPOINTMENT, QUALIFICATION, AND OFFICES .... 12900-12907
CHAPTER 2. POWERS AND DUTIES
Article 1. Generally ............ 12919-12938
Article 1.1. The California Community Development Financial Institution Tax Credit Program .. 12939-12939.1
Article 2. Review of Commissioner's Acts ........ 12940
Article 3. Procuring Information on Policies ...... 12950-12959
Article 3.5. Reporting ............ 12961-12969
Article 4. Fees .............. 12970-12980
Article 5. Fee Oversight ........... 12990-12995
Article 7. Suspension of Privilege of Appearing or Practicing Before the Commissioner ..... 13500-13505
CHAPTER 3. CONCILIATION ............ 13600-13601
CHAPTER 4. HOLOCAUST ERA INSURANCE REGISTRY ...... 13800-13807
CHAPTER 5. SLAVERY ERA INSURANCE POLICIES ....... 13810-13813
DIVISION 5. INSURANCE ADJUSTERS
CHAPTER 1. INSURANCE ADJUSTER ACT
Article 1. General Provisions .......... 14000-14002
Article 2. Administration ........... 14010-14013
Article 3. Regulation, Licensing, and Registration .... 14020-14045
Article 4. Bonds .............. 14050-14054
Article 5. Disciplinary Proceedings ........ 14060-14065
Article 6. Nonresidents ............ 14070-14078
Article 7. Penal Provisions ............ 14080
Article 8. Expiration and Renewal of Licenses and Cards .. 14090-14094
Article 9. Revenue ............. 14097-14099
CHAPTER 2. PUBLIC INSURANCE ADJUSTERS ACT
Article 1. General Provisions .......... 15000-15002
Article 2. Administration ........... 15003-15005
Article 3. Regulation, Licensing, and Registration .... 15006-15032
Article 4. Bonds .............. 15033-15037
Article 5. Disciplinary Proceedings ........ 15038-15043
Article 6. Nonresidents ............ 15044-15052
Article 7. Penal Provisions ............ 15053
Article 8. Expiration and Renewal of Licenses and Cards .. 15054-15062
CHAPTER 3. EMERGENCY DISASTER ASSESSMENT
Article 1. General Provisions .......... 16000-16002
Article 2. Emergency Disaster Assessment ....... 16010-16016
Article 3. Adjuster Identification ........ 16020-16022
Article 4. Coordination of Emergency Operations ...... 16030
