INS

INSInsurance Code - INS

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PART 2. LIFE AND DISABILITY INSURANCE

CHAPTER 1. The Contract

ARTICLE 1. General Provisions

ARTICLE 1.5. Discontinuance of Group Life Insurance and Discontinuance and Replacement of Group Disability Insurance

ARTICLE 1.7. California Cobra Program

10128.50-10128.59

ARTICLE 2. Transfer

ARTICLE 2.3. Transfers of Structured Settlement Payment Rights

ARTICLE 2.5. Discriminatory Practices

ARTICLE 2.6. Underwriting on the Basis of Test of Genetic Characteristics

ARTICLE 3. Policy Provisions Required

ARTICLE 3a. Standard Nonforfeiture Law for Life Insurance

10159.1-10167.5

ARTICLE 3b. Standard Nonforfeiture Law for Individual Deferred Annuities

ARTICLE 3.5. Appeals Seeking Independent Medical Review

ARTICLE 4. Payment and Proceeds

ARTICLE 4.5. Review of Rate Increases

ARTICLE 5. Exemptions and Miscellaneous Provisions Relating to Insurance Contracts

ARTICLE 6. Medicare Supplement Policies

10192.1-10192.24

ARTICLE 7. Preexisting Condition Provisions

10198.6-10198.10

CHAPTER 1.5. Health Coverage Contract Notification

ARTICLE 1. Purpose and Title

ARTICLE 2. General Provisions

10199.1-10199.49

ARTICLE 3. Administration and Enforcement

10199.5-10199.9

CHAPTER 2. Group Life Policies

CHAPTER 2.5. Blanket Life Insurance

CHAPTER 2.6. Long-Term Care Insurance

ARTICLE 1. Definitions

ARTICLE 3. General Provisions

ARTICLE 3. Administration and Enforcement

ARTICLE 3.7. Consumer Protection

10234.8-10234.97

ARTICLE 4. Implementation

ARTICLE 5. Inflation Escalator and Benefit Increases

CHAPTER 3. Burial Contracts

CHAPTER 4. Standard Provisions in Disability Policies

ARTICLE 1. Scope of Chapter and Definitions

ARTICLE 2. Approval of Commissioner

ARTICLE 2.1. Accelerated Death Benefits

ARTICLE 2.5. Transportation Ticket Policies

ARTICLE 3. Policy Form Generally—Uniform Provisions

ARTICLE 4. Compulsory Standard Provisions—Uniform Provisions

ARTICLE 5. Optional Standard Provisions and Special Provisions—Uniform Provisions

10369.1-10369.12

ARTICLE 6. Interpretation of Policy

ARTICLE 7. Exemption

ARTICLE 8. Penalties

CHAPTER 4.1. General Regulation of Health Insurers

CHAPTER 5. General Regulation of Life Insurers

10430-10509.946

ARTICLE 1. Restrictions on Business

ARTICLE 1a. Regulation of Internal Affairs of Mutual Insurers

ARTICLE 2. Registration of Life Policies

ARTICLE 3. Valuation of Life Policies

ARTICLE 3a. Standard Valuation Law

10489.1-10489.992

ARTICLE 4. Qualifications and Exemptions

ARTICLE 5. Pension Funds, Separate Accounts

ARTICLE 6. Investment Return Assurance

ARTICLE 6.5. Portfolio Indexing

ARTICLE 7. Records

ARTICLE 8. Requirements for Replacement of Life Insurance and Annuity Policies

ARTICLE 9. Suitability Requirements for Annuity Transactions

10509.910-10509.918

ARTICLE 11. Life Insurance Proceeds Disclosure Act of 2011

10509.930-10509.938

ARTICLE 12. Unclaimed Life Insurance and Annuities Act

10509.940-10509.946

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

ARTICLE 2. Dividends

ARTICLE 3. Premiums and Premium Accounts

CHAPTER 7. Disability Insurance Disclosure

CHAPTER 8. Small Employer Health Insurance

ARTICLE 1. Definitions

ARTICLE 2. Small Employer Carrier Requirements

ARTICLE 3. Voluntary Reinsurance Mechanism

ARTICLE 4. Purchasing Pool for Small Employers

ARTICLE 5. Stop-Loss Insurance

CHAPTER 8.01. Nongrandfathered Small Employer Health Insurance

10753-10753.18.7

ARTICLE 1. Definitions

ARTICLE 2. Small Employer Carrier Requirements

10753.02-10753.18.7

CHAPTER 8.02. Grandfathered Small Employer Health Insurance

10755-10755.18.7

ARTICLE 1. Definitions

ARTICLE 2. Small Employer Carrier Requirements

10755.02-10755.18.7

CHAPTER 8.5. Coverage for Federally Eligible Defined Individuals

CHAPTER 9. The Private Health Care Voluntary Purchasing Alliance Act

ARTICLE 1. General

ARTICLE 2. Definitions

ARTICLE 3. Regulation

ARTICLE 4. Conflicts of Interest

ARTICLE 5. Additional Powers of and Restrictions on Purchasing Alliances

ARTICLE 6. Participating Carriers

ARTICLE 7. Contracts with Employers, Small Employers, and Participating Carriers

ARTICLE 8. Marketing

ARTICLE 9. Solvency

ARTICLE 10. Exemptions

CHAPTER 9.5. Individual Access to Contracts for Health Care Services

CHAPTER 9.6. Consumer Operated and Oriented Plans

CHAPTER 9.7. Child Access to Health Insurance

CHAPTER 9.9. Individual Access to Health Insurance

CHAPTER 10. Fraternal Benefit Societies

ARTICLE 1. Scope of Chapter

ARTICLE 2. Definitions

ARTICLE 3. Organization

ARTICLE 4. Benefits

ARTICLE 5. Contract

ARTICLE 6. Powers of Commissioner

ARTICLE 7. Financial Matters

ARTICLE 8. Violations and Penalties

CHAPTER 10A. Firemen's, Policemen's,or Peace Officers’ Benefit and Relief Associations

CHAPTER 11. Change by Assessment Plan Insurer to Reserve Plan

ARTICLE 1. Authorization and Effect

ARTICLE 2. Capital Adjustments

ARTICLE 3. Transfer of Insurance

ARTICLE 4. Powers of Insurer After Transformation

ARTICLE 5. Valuation of Policies

CHAPTER 12. Grants and Annuities Societies

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

ARTICLE 2. Execution of Plan

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