2020 Hawaii Revised Statutes
Title 24. Insurance
431. Insurance Code

ARTICLE 1
DEFINITIONS
PART I. GENERAL PROVISIONS

• 431:1-100 Short title.
• 431:1-100.5 Purpose.
• 431:1-101 Compliance required.
• 431:1-102 Public interest.
• 431:1-103 Headings.
• 431:1-104 Particular provisions prevail.
• 431:1-105 Records, statements and reports.

PART II. GENERAL DEFINITIONS

• 431:1-201 Insurance defined.
• 431:1-202 Insurer defined.
• 431:1-203 Classes of insurance
• 431:1-204 Life insurance defined.
• 431:1-205 Accident and health or sickness insurance defined
• 431:1-206 Property insurance defined.
• 431:1-207 Marine and transportation insurance defined.
• 431:1-208 Vehicle insurance defined.
• 431:1-209 General casualty insurance defined.
• 431:1-210 Surety insurance defined.
• 431:1-211 Ocean marine insurance defined.
• 431:1-212 Person defined.
• 431:1-213 State defined.
• 431:1-214 United States defined.
• 431:1-215 Transaction of an insurance business.
• 431:1-216 General business practice.
• 431:1-217 Insurance policies issued to construction professionals.

ARTICLE 2
ADMINISTRATION OF INSURANCE LAWS
PART I. INSURANCE DIVISION

• 431:2-101 Insurance division.
• 431:2-102 Insurance commissioner.
• 431:2-103 Salary.
• 431:2-104 Seal.
• 431:2-105 Deputies, employees.
• 431:2-105.5 Staff.
• 431:2-106 Ethical requirements for insurance division staff.
• 431:2-107 Workers' compensation rate analysis.
• 431:2-108 Commissioner may delegate.
• 431:2-109 Supplies, convention blanks.
• 431:2-110 Offices.

PART II. POWERS AND DUTIES OF COMMISSIONER

• 431:2-201 General powers and duties.
• 431:2-201.2 Standards for commissioner.
• 431:2-201.3 Criminal convictions; consent to engage in business.
• 431:2-201.5 Conformity to federal law.
• 431:2-201.8 Sales to members of the armed forces.
• 431:2-202 Orders and notices.
• 431:2-202.5 Approval; when deemed effective.
• 431:2-203 Enforcement.
• 431:2-204 Commissioner's power to subpoena.
• 431:2-205 Commissioner to receive service of legal process on foreign or alien insurer.
• 431:2-206 How service on commissioner made.
• 431:2-207 Contempt proceedings.
• 431:2-208 Access to records.
• 431:2-209 Records and reports.
• 431:2-210 Copies and certificates as evidence.
• 431:2-211 Annual report.
• 431:2-212 Interstate cooperation.
• 431:2-214 The commissioner's education and training fund.
• 431:2-215 Deposits to compliance resolution fund.
• 431:2-216 Assessments of health insurers.
• 431:2-217 Trade name.

PART III. INVESTIGATIONS, EXAMINATIONS, HEARINGS AND APPEALS

• 431:2-301 Purpose.
• 431:2-301.5 Examiner defined.
• 431:2-301.6 Conflict of interest.
• 431:2-301.7 Conduct of examinations.
• 431:2-301.8 Immunity from liability.
• 431:2-302 Authority, scope, and scheduling of examinations.
• 431:2-303 Examination of producers, adjusters, promoters, and independent bill reviewers.
• 431:2-304 Examination of guaranty associations.
• 431:2-305 Examination reports.
• 431:2-306 Examination expense.
• 431:2-307 REPEALED.
• 431:2-307.5 Reimbursement and compensation of examiners; source of funds; disposition of receipts.
• 431:2-308 Administrative procedure act applies.

PART IV. INSURANCE FRAUD

• 431:2-401 Definitions.
• 431:2-402 Insurance fraud investigations branch.
• 431:2-403 Insurance fraud.
• 431:2-404 Restitution
• 431:2-405 Insurance fraud; administrative penalties
• 431:2-406 Administrative procedures
• 431:2-407 Acceptance of payment
• 431:2-408 Civil cause of action for insurance fraud; exemption
• 431:2-409 Mandatory reporting
• 431:2-410 Deposit into the compliance resolution fund

ARTICLE 2D
MARKET CONDUCT

• 431:2D-101 Legislative intent.
• 431:2D-102 Definitions.
• 431:2D-103 Domestic responsibility and deference to other states.
• 431:2D-104 Market analysis procedures.
• 431:2D-105 Protocols for market conduct actions.
• 431:2D-106 Protocols for market conduct examinations.
• 431:2D-107 Confidentiality requirements.
• 431:2D-108 Market conduct surveillance personnel.
• 431:2D-109 Immunity for market conduct surveillance personnel.
• 431:2D-110 Fines and penalties.
• 431:2D-111 Data collection and participation in national market conduct databases.
• 431:2D-112 Coordination with other states through the National Association of Insurance Commissioners.
• 431:2D-113 Additional duties of the commissioner.
• 431:2D-114 Data calls.

ARTICLE 3
INSURERS GENERAL REQUIREMENTS
PART I. DEFINITIONS

• 431:3-101 Alien insurer.
• 431:3-102 Capital funds.
• 431:3-103 Charter.
• 431:3-104 Domestic insurer.
• 431:3-105 Foreign insurer.
• 431:3-106 Mutual insurer.
• 431:3-107 Reciprocal insurance.
• 431:3-108 Reciprocal insurer.
• 431:3-109 Reinsurance.
• 431:3-110 Stock insurer.

PART II. CERTIFICATE OF AUTHORITY

• 431:3-201 Authority required.
• 431:3-202 Insurer's name.
• 431:3-203 Qualifications for authority.
• 431:3-203.5 Foreign insurer; certification
• 431:3-204 Classes of insurance authorized
• 431:3-205 Funds required of new insurers.
• 431:3-206 Additional funds required, new insurers.
• 431:3-207 Noncompliance as to capital stock and surplus permitted certain insurers for five years.
• 431:3-208 Funds required of existing and new insurers for transacting additional classes of insurance.
• 431:3-209 Deposits of alien and foreign insurers; special deposits.
• 431:3-210 Determination of capital funds of alien insurer.
• 431:3-211 REPEALED.
• 431:3-212 Application for authority.
• 431:3-212.5 Redomestication of authorized insurers.
• 431:3-213 Authority issued or denied.
• 431:3-214 Extension; amendment.
• 431:3-215 Withdrawal from State; obligations.
• 431:3-216 Mandatory refusal, suspension or revocation provisions.
• 431:3-217 Discretionary refusal, suspension or revocation provisions.
• 431:3-218 Procedure upon revocation; suspension of certificate of authority.
• 431:3-219 Suspension period; revocation.
• 431:3-220 Revival.
• 431:3-221 Power to fine.

PART III. ANNUAL REQUIREMENTS AND LIMITING PROVISIONS

• 431:3-301 Annual and quarterly filings with commissioner.
• 431:3-302 Annual and quarterly filings with the National Association of Insurance Commissioners.
• 431:3-302.5 Annual audit.
• 431:3-303 Immunity.
• 431:3-304 Confidentiality.
• 431:3-304.5 Statement of actuarial opinion; property and casualty insurance; confidentiality.
• 431:3-305 Accounts; records.
• 431:3-306 Limit of risk.
• 431:3-306.5 Residential hurricane coverage.
• 431:3-307 Free insurance.
• 431:3-308 Alien government owned insurers.
• 431:3-309 Disclosure of profits by insurers.

PART IV. RISK-BASED CAPITAL FOR INSURERS

• 431:3-401 Definitions.
• 431:3-402 Risk-based capital reports.
• 431:3-403 Company action level event.
• 431:3-404 Regulatory action level event.
• 431:3-405 Authorized control level event.
• 431:3-406 Mandatory control level event.
• 431:3-407 Hearing.
• 431:3-408 Confidentiality and prohibition on announcements; prohibition on use in ratemaking.
• 431:3-409 Supplemental provisions; rules; exceptions.
• 431:3-410 Foreign insurers.
• 431:3-411 Severability.
• 431:3-412 Notices.
• 431:3-413 Phase-in provision.
• 431:3-414 Immunity.

ARTICLE 3A
PRIVACY OF CONSUMER FINANCIAL INFORMATION

• 431:3A-101 Purpose; scope; applicability.
• 431:3A-102 Definitions.

PART II. PRIVACY AND OPT OUT
NOTICES FOR FINANCIAL INFORMATION

• 431:3A-201 Initial privacy notice to consumers required.
• 431:3A-202 Annual privacy notice to customers required.
• 431:3A-203 Information to be included in privacy notices.
• 431:3A-204 Form of opt out notice to consumers and opt out methods.
• 431:3A-205 Revised privacy notices.
• 431:3A-206 Delivery.

PART III. LIMITS ON DISCLOSURES OF
FINANCIAL INFORMATION

• 431:3A-301 Limits on disclosure of nonpublic personal financial information to nonaffiliated third parties.
• 431:3A-302 Limits on redisclosure and reuse of nonpublic personal financial information.
• 431:3A-303 Limits on sharing account number information for marketing purposes.

PART IV. EXCEPTIONS TO LIMITS ON DISCLOSURES
OF FINANCIAL INFORMATION

• 431:3A-401 Exception to opt out requirements for disclosure of nonpublic personal financial information for service providers and for joint marketing.
• 431:3A-402 Exceptions to notice and opt out requirements for disclosure of nonpublic personal financial information for processing and servicing transactions.
• 431:3A-403 Other exceptions to notice and opt out requirements for disclosure of nonpublic personal financial information.

PART V. ADDITIONAL PROVISIONS

• 431:3A-501 Protection of Fair Credit Reporting Act.
• 431:3A-502 Nondiscrimination.
• 431:3A-503 Violation.
• 431:3A-504 Rules.

ARTICLE 3D
RISK MANAGEMENT AND OWN RISK AND SOLVENCY ASSESSMENT

• 431:3D-101 Scope and purpose.
• 431:3D-102 Definitions.
• 431:3D-103 Risk management framework.
• 431:3D-104 Own risk and solvency assessment requirement.
• 431:3D-105 Own risk and solvency assessment summary report.
• 431:3D-106 Exemption.
• 431:3D-107 Contents of own risk and solvency assessment summary report.
• 431:3D-108 Confidentiality
• 431:3D-109 Sanctions.
• 431:3D-110 Severability.

ARTICLE 3G
CORPORATE GOVERNANCE ANNUAL DISCLOSURE

• 431:3G-101 Purpose and scope.
• 431:3G-102 Definitions.
• 431:3G-103 Disclosure requirement.
• 431:3G-104 Rules.
• 431:3G-105 Contents of corporate governance annual disclosure.
• 431:3G-106 Confidentiality.
• 431:3G-107 National Association of Insurance Commissioners and third-party consultants.
• 431:3G-108 Sanctions.
• 431:3G-109 Severability.

ARTICLE 4
DOMESTIC INSURERS
PART I. ORGANIZATION, POWERS AND SALE OF SECURITIES OF
DOMESTIC INSURERS

• 431:4-101 Definitions.
• 431:4-102 Types of insurers permitted.
• 431:4-103 Corporation law applies in general.
• 431:4-104 Articles of incorporation.
• 431:4-105 Affidavit.
• 431:4-106 Board of directors.
• 431:4-106.5 Membership in mutual or subscriber in reciprocal insurers; no personal liability of representative.
• 431:4-107 Solicitation permit required.
• 431:4-108 Application for a solicitation permit.
• 431:4-109 Permit issued or denied.
• 431:4-110 Bond or cash deposit.
• 431:4-111 Expiration and contents.
• 431:4-112 Permit not an inducement.
• 431:4-113 Organization solicitor's license.
• 431:4-114 Revocation of solicitation permit.
• 431:4-115 Escrow of funds.
• 431:4-116 Expense pending completion.
• 431:4-117 Issuance and forfeiture of securities.
• 431:4-118 Insurance application.
• 431:4-119 Refund upon failure to complete or qualify or upon revocation of solicitation permit.
• 431:4-120 Subsequent financing.
• 431:4-121 False exhibits.
• 431:4-122 Depositaries.
• 431:4-123 Corrupt practices.
• 431:4-124 Prohibited guaranty.
• 431:4-125 Fees on use of funds.
• 431:4-126 Comply with foreign laws.
• 431:4-127 Solicitation in other states.

PART II. DOMESTIC STOCK INSURERS

• 431:4-201 Other laws applicable.
• 431:4-202 Increase of capital.
• 431:4-203 Decrease of capital.
• 431:4-204 Dividends to stockholders.
• 431:4-205 Illegal dividends; reductions.
• 431:4-206 Repayment of contributed surplus.
• 431:4-207 Participating policies.
• 431:4-208 Statement by beneficial owner, director, officer.
• 431:4-209 Recovery of profits realized.
• 431:4-210 Unlawful sales of equity security.
• 431:4-211 Exempt transactions.
• 431:4-212 Arbitrage transactions not affected.
• 431:4-213 Exempt equity securities.
• 431:4-214 Rules and regulations.

PART IIA. PROXIES, CONSENTS, AND AUTHORIZATIONS
OF DOMESTIC STOCK INSURERS

• 431:4-231 Applicability.
• 431:4-232 Schedule A: information required in a proxy statement.
• 431:4-233 Schedule B: information to be included in statements filed by or on behalf of a participant other than an insurer in a proxy solicitation in an election contest.
• 431:4-234 Proxies, consents, and authorizations.
• 431:4-235 Schedules and exhibits.
• 431:4-236 Disclosure of equivalent information.
• 431:4-237 Definitions.
• 431:4-238 Information to be furnished to stockholders.
• 431:4-239 Requirements as to proxy.
• 431:4-240 Material required to be filed.
• 431:4-241 False or misleading statements.
• 431:4-242 Prohibition of certain solicitations.
• 431:4-243 Election contests; applicability.
• 431:4-244 Filing of information required by schedule B.
• 431:4-245 Solicitations prior to furnishing required written proxy statement.
• 431:4-246 Solicitation prior to furnishing required written proxy statement; filing requirements.
• 431:4-247 Application of this part to annual report.

PART III. DOMESTIC MUTUAL INSURERS

• 431:4-301 Other articles applicable.
• 431:4-302 Initial qualifications for mutual insurers.
• 431:4-303 Mutual property insurer.
• 431:4-304 Mutual casualty insurer.
• 431:4-305 Mutual vehicle insurer.
• 431:4-306 Mutual life insurer.
• 431:4-307 Mutual accident and health or sickness insurer.
• 431:4-308 Membership.
• 431:4-309 Rights of members.
• 431:4-310 Bylaws.
• 431:4-311 Notice of annual meeting.
• 431:4-312 Members proxies.
• 431:4-313 Directors.
• 431:4-314 Limitation on expenses incurred in writing property and casualty
• 431:4-315 Violation of expense limitation.
• 431:4-316 Actions on officers' salaries.
• 431:4-317 Contingent liability of members.
• 431:4-318 Accrual of liability.
• 431:4-319 Contingent liability as asset.
• 431:4-320 Lien on reserves.
• 431:4-321 Nonassessable policies.
• 431:4-322 Applies to all policies.
• 431:4-323 Revocation of authority.
• 431:4-324 Dividends.
• 431:4-325 Nonparticipating policies.
• 431:4-326 Members' share of assets.

PART IV. RECIPROCAL INSURERS

• 431:4-401 Application of other sections.
• 431:4-402 Scope.
• 431:4-403 Insuring powers of reciprocals.
• 431:4-404 Suits.
• 431:4-405 Attorney
• 431:4-406 Power of attorney.
• 431:4-407 Modifications.
• 431:4-408 Organization of reciprocal insurers.
• 431:4-409 Application for authority; declaration required.
• 431:4-410 Policies effective.
• 431:4-411 Attorney's bond.
• 431:4-412 Deposit in lieu.
• 431:4-413 Actions on bond.
• 431:4-414 Subscribers.
• 431:4-415 Subscribers' advisory committee.
• 431:4-416 Subscriber's liability.
• 431:4-417 Subscriber's liability on judgments.
• 431:4-418 Aggregate liability.
• 431:4-419 Assessment.
• 431:4-420 Time limit for assessment.
• 431:4-421 Nonassessable policies.
• 431:4-422 Contributions of surplus.
• 431:4-423 Share in savings.
• 431:4-424 Subscriber's share of assets.
• 431:4-425 REPEALED.

PART V. REORGANIZATION AND CONVERSION OF DOMESTIC INSURERS

• 431:4-501 Reorganization, merger or consolidation.
• 431:4-502 Mutualization of stock insurers.
• 431:4-503 Conversion or reinsurance of mutual insurer.
• 431:4-504 Merger or conversion of reciprocal insurer.

ARTICLE 4A
CREDIT FOR REINSURANCE

• 431:4A-101 Credit allowed a domestic ceding insurer.
• 431:4A-102 Asset or reduction from liability for reinsurance ceded by a domestic insurer to an assuming insurer.
• 431:4A-103 Qualified United States financial institutions.
• 431:4A-104 Rules.
• 431:4A-105 REPEALED.

ARTICLE 4F
STATE OF ENTRY FOR ALIEN INSURERS

• 431:4F-101 Definitions.
• 431:4F-102 Scope.
• 431:4F-103 Authorization of entry.
• 431:4F-104 Maintenance of trust account.
• 431:4F-105 Requirements for trust agreement.
• 431:4F-106 Reporting requirements for United States branches of alien insurers.
• 431:4F-107 Additional requirements for United States branch license.
• 431:4F-108 Authority of commissioner.

ARTICLE 5
FINANCIAL CONDITION
PART I. STANDARDS

• 431:5-101 Impairment of capital.
• 431:5-102 Impairment of surplus.
• 431:5-103 Impairment of reciprocal's surplus.

PART II. ASSETS AND LIABILITIES

• 431:5-201 Qualified assets.
• 431:5-202 Assets not allowed.
• 431:5-203 Liabilities
• 431:5-204 Determining financial condition of reciprocal insurers.

PART III. RESERVES AND VALUATION

• 431:5-301 Unearned premium reserve.
• 431:5-302 Unearned premium reserve for marine and transportation.
• 431:5-303 Active life reserves and unearned premium reserves for noncancellable disability insurance.
• 431:5-304 Loss reserves for liability and workers' compensation insurance.
• 431:5-305 Increased reserves.
• 431:5-306 Reserve credit for reinsurance.
• 431:5-307 Standard valuation law; life.
• 431:5-308 Valuation of bonds.
• 431:5-309 Valuation of other securities.
• 431:5-310 Valuation of property.
• 431:5-311 Valuation of purchase money mortgages.

PART IV. RULES

• 431:5-401 Rules.

ARTICLE 6
INVESTMENTS
PART I. GENERAL PROVISIONS

• 431:6-101 Definitions pertaining to investments.
• 431:6-102 Merged, reorganized institutions.
• 431:6-103 Eligible investments; scope.
• 431:6-104 General qualifications.
• 431:6-105 General limitations.
• 431:6-106 Record of investments.

PART II. MANDATORY PROVISIONS

• 431:6-201 Required investments for capital and reserves.

PART III. PERMITTED INVESTMENTS

• 431:6-301 Public obligations.
• 431:6-302 Corporate obligations.
• 431:6-303 Preferred or guaranteed stocks or shares.
• 431:6-304 Trustees or receivers obligations.
• 431:6-305 Equipment trust obligations.
• 431:6-306 Mortgage loans and contracts.
• 431:6-307 Mortgage loan limited by property value.
• 431:6-308 Encumbrance defined.
• 431:6-309 Appraisal; insurance; limit.
• 431:6-310 Security agreements.
• 431:6-311 Real property owned.
• 431:6-312 Time limit for disposal.
• 431:6-313 Foreign securities.
• 431:6-314 Policy loans.
• 431:6-315 Banks, savings and loan associations, credit unions, and financial services loan companies.
• 431:6-316 Insurance stocks.
• 431:6-317 Common stocks.
• 431:6-318 Collateral loans.
• 431:6-319 Miscellaneous investments.
• 431:6-320 Special consent investments.
• 431:6-321 Hedging transactions.
• 431:6-322 Common trust funds; mutual funds; and exchange traded funds.
• 431:6-323 Separate accounts.
• 431:6-324 Subsidiaries.

PART IV. PROHIBITED INVESTMENTS AND LIMITATIONS

• 431:6-401 Prohibited investments.
• 431:6-402 Securities underwriting; agreements to withhold or to repurchase.
• 431:6-403 Disposal of ineligible property and securities.
• 431:6-404 Authorization of investments.

PART V. INVESTMENT OF FOREIGN AND ALIEN INSURERS

• 431:6-501 Investments of foreign, alien insurers.

PART VI. INVESTMENT POOLS

• 431:6-601 Insurer investment pools.
• 431:6-602 Securities lending, repurchase, reverse repurchase, and dollar roll; investment pools.

ARTICLE 7
FEES, TAXES AND DEPOSITS
PART I. FEES

• 431:7-101 Fees.

PART II. TAXES

• 431:7-201 Annual and monthly tax statements.
• 431:7-202 Taxation.
• 431:7-202.5 Additions to taxes for noncompliance or evasion; interest on underpayments and overpayments.
• 431:7-203 Administrative refunds.
• 431:7-204 In lieu provision.
• 431:7-204.5 Appeals.
• 431:7-204.6 Limitation period for assessment, levy, collection, or refund.
• 431:7-205 Reports to department of taxation.
• 431:7-206 Domestic company credit for retaliatory taxes paid other states.
• 431:7-207 Tax credit to facilitate regulatory oversight.
• 431:7-208 Low-income housing, insurance premium tax credit.
• 431:7-209 High technology business investment tax credit.

PART III. DEPOSITS

• 431:7-301 Deposits of insurers.
• 431:7-302 Purpose of deposit.
• 431:7-303 Securities eligible for deposit.
• 431:7-304 Record and receipt.
• 431:7-305 Transfer of securities.
• 431:7-306 Director may designate depositary.
• 431:7-307 Responsibility for deposits.
• 431:7-308 Dividends and substitutions.
• 431:7-309 Release of deposit.
• 431:7-310 Voluntary excess deposit.
• 431:7-311 Not subject to levy.

ARTICLE 8
UNAUTHORIZED INSURERS AND SURPLUS LINES

• 431:8-101 Scope.
• 431:8-102 Definitions.

PART II. UNAUTHORIZED INSURERS

• 431:8-201 Transacting insurance business without certificate of authority prohibited.
• 431:8-202 Acting for or aiding unauthorized insurer prohibited.
• 431:8-203 Validity of contracts illegally effectuated.
• 431:8-204 Liability of person assisting unauthorized insurer.
• 431:8-205 Insurance independently procured; duty to report and pay tax.
• 431:8-206 Commissioner may enjoin unauthorized insurers.
• 431:8-207 Legal process against unauthorized insurer; how service of process made.
• 431:8-208 Defense of action by unauthorized insurer; bond.
• 431:8-209 Attorney's fees.
• 431:8-210 Advertising prohibited.
• 431:8-211 Penalties.

PART III. SURPLUS LINES INSURANCE

• 431:8-300 Exemptions from surplus lines law.
• 431:8-301 Insurance placed with unauthorized insurer permitted.
• 431:8-302 Surplus lines insurers.
• 431:8-303, 431:8-304 REPEALED.
• 431:8-305 Evidence of insurance; changes; penalties.
• 431:8-306 Signature of broker and special endorsement of surplus lines policy.
• 431:8-307 Broker's duty to notify insured
• 431:8-308 Surplus lines insurance valid.
• 431:8-309 Effect of payment to surplus lines broker.
• 431:8-310 Surplus lines broker license required; application and qualifications for license.
• 431:8-311 Compensation.
• 431:8-312 Records of surplus lines broker.
• 431:8-313 Surplus lines broker's reports to commissioner.
• 431:8-314 Surplus lines advisory organizations.
• 431:8-315 Tax on surplus lines.
• 431:8-316 Penalty for failure to file statement or remit tax.
• 431:8-317 License denial, nonrenewal, suspension, or revocation.
• 431:8-318 Examination of surplus lines broker's accounts and records
• 431:8-319 Actions against surplus lines insurer; service of process.
• 431:8-320 Penalties.
• 431:8-321 Nonresident licensing.
• 431:8-322 Reciprocity.
• 431:8-323 Exemption from examination.
• 431:8-324 Surplus lines broker license examination
• 431:8-325 Scope of examination.
• 431:8-326 Time of examinations.
• 431:8-327 Prerequisites for license renewal.
• 431:8-328 Continuing education recordkeeping
• 431:8-329 Commissioner s authority to grant waiver.

ARTICLE 9
LICENSING OF ADJUSTERS AND BILL REVIEWERS

• 431:9-101 Scope.
• 431:9-102 to 431:9-104 REPEALED.
• 431:9-105 Definitions.

PART II. LICENSING REQUIREMENTS, PROCEDURES AND ENFORCEMENT

• 431:9-201 License required; exception.
• 431:9-202 REPEALED.
• 431:9-203 General qualifications for license.
• 431:9-204 Applications for license.
• 431:9-205 REPEALED.
• 431:9-206 Examinations for license.
• 431:9-207 Scope of examination
• 431:9-208 Time of examinations.
• 431:9-209 Advisory board.
• 431:9-210 to 431:9-213 REPEALED.
• 431:9-214 REPEALED.
• 431:9-215 to 431:9-219 REPEALED.
• 431:9-220 REPEALED.
• 431:9-221 REPEALED.
• 431:9-222 Qualification for adjuster's license.
• 431:9-222.5 Claims adjusters; limited license.
• 431:9-223 Public adjuster's bond.
• 431:9-224 Separate licenses.
• 431:9-225 Form of adjusters' license.
• 431:9-226 Powers conferred by an adjuster's license.
• 431:9-227 Adjuster; restrictions.
• 431:9-228 Place of business.
• 431:9-229 Records of adjuster or independent bill reviewer
• 431:9-230 Reporting and accounting for premiums.
• 431:9-231 REPEALED.
• 431:9-232 Extension of licenses.
• 431:9-233, 431:9-234 REPEALED.
• 431:9-234.5 Reporting of actions.
• 431:9-235 Denial, suspension, revocation of licenses.
• 431:9-235.5 Suspension or denial of license for noncompliance with support order.
• 431:9-236 REPEALED.
• 431:9-237 Duration of suspension.
• 431:9-238 Power to fine.
• 431:9-239 Reinstatement or relicensing.
• 431:9-240 Fine in lieu.
• 431:9-241 REPEALED.
• 431:9-242 Compensation by contingency fee prohibited.
• 431:9-243 Qualification for independent bill reviewer's license.

PART III. CONTINUING EDUCATION--REPEALED

• 431:9-301 to 431:9-305 REPEALED.

ARTICLE 9A
PRODUCER LICENSING

• 431:9A-101 Scope

ARTICLE 9A OLD
MANAGING GENERAL AGENTS--REPEALED

• 431:9A-101 to 431:9A-108 REPEALED.
• 431:9A-102 Definitions.
• 431:9A-103 License required.
• 431:9A-104 Exceptions to licensing.
• 431:9A-105 Insurance producer license examination
• 431:9A-106 Application for license.
• 431:9A-107 License.
• 431:9A-107.5 Limited license
• 431:9A-108 Nonresident licensing.
• 431:9A-108.5 Process against nonresident licensees
• 431:9A-109 Exemption from examination.
• 431:9A-110 Legal, trade, and assumed names.
• 431:9A-111 Temporary licensing.
• 431:9A-112 License denial, nonrenewal, suspension, or revocation.
• 431:9A-112.3 Suspension or denial of license for noncompliance with support order.
• 431:9A-112.5 Controlled business.
• 431:9A-113 Commissions.
• 431:9A-114 Appointments.
• 431:9A-115 Notification to commissioner of termination.
• 431:9A-116 Reciprocity.
• 431:9A-117 Reporting of actions.
• 431:9A-118 Rules.
• 431:9A-119 Scope of examination.
• 431:9A-120 Time of examinations.
• 431:9A-121 Advisory board.
• 431:9A-122 Place of business.
• 431:9A-123 Records of insurance producer.
• 431:9A-123.5 Reporting and accounting for premiums
• 431:9A-124 Prerequisites for license renewal.
• 431:9A-125 Continuing education recordkeeping.
• 431:9A-126 Power to fine.
• 431:9A-127 Fine in lieu.
• 431:9A-128 Nondiscrimination.
• 431:9A-129 Penalty.
• 431:9A-130 Commissioner's authority to grant waiver.

PART II. LIMITED LINES MOTOR VEHICLE
RENTAL COMPANY PRODUCER

• 431:9A-141 Definitions.
• 431:9A-142 Requirements for license and renewal.

Part iii. CONTINUING EDUCATION COURSE PROVIDERS

• 431:9A-151 Continuing education course provider certificate.
• 431:9A-152 Continuing education course provider additional duties.
• 431:9A-153 Courses.
• 431:9A-154 Self-study courses.
• 431:9A-155 Carryover credits.
• 431:9A-156 Course instructors.
• 431:9A-157 Tuition.
• 431:9A-158 Reporting credit hours and recordkeeping.
• 431:9A-159 Advertising.
• 431:9A-160 Advisory committee.

Part IV. Limited Lines Self-Service Storage Stored
Property Insurance

• 431:9A-171 Definitions.
• 431:9A-172 Licensure of owners.
• 431:9A-173 Requirements for sale of stored property insurance.
• 431:9A-174 Authority of owners.
• 431:9A-175 Sanctions for violations.
• 431:9A-176 Application for license and fees.

ARTICLE 9B
REINSURANCE INTERMEDIARY

• 431:9B-101 Definitions.
• 431:9B-102 Licensure.
• 431:9B-103 Required contract provisions; reinsurance intermediary-brokers.
• 431:9B-104 Books and records; reinsurance intermediary-brokers.
• 431:9B-105 Duties of insurers utilizing the services of a reinsurance intermediary-broker.
• 431:9B-106 Required contract provisions; reinsurance intermediary-managers.
• 431:9B-107 Prohibited acts.
• 431:9B-108 Duties of reinsurers utilizing the services of a reinsurance intermediary-manager.
• 431:9B-109 Examination authority.
• 431:9B-110 Penalties and liabilities.
• 431:9B-111 Rules.

ARTICLE 9C
MANAGING GENERAL AGENTS

• 431:9C-101 Definitions.
• 431:9C-102 Licensure.
• 431:9C-103 Required contract provisions
• 431:9C-104 Duties of insurers.
• 431:9C-105 Examination authority.
• 431:9C-106 Penalties and liabilities.
• 431:9C-107 Rules.

ARTICLE 9J
THIRD PARTY ADMINISTRATORS

• 431:9J-101 Definitions.
• 431:9J-102 License required; application.
• 431:9J-103 Surety bond required.
• 431:9J-104 Written agreement required.
• 431:9J-105 Effect of payments to administrator.
• 431:9J-106 Recordkeeping required; commissioner's access to records.
• 431:9J-107 Advertising by administrator.
• 431:9J-108 Fiduciary duties of administrator; payment of claims by administrator.
• 431:9J-109 Compensation of administrator.
• 431:9J-110 Written notice to insureds required.
• 431:9J-111 Delivery of written information to insured.
• 431:9J-112 Annual report required.
• 431:9J-113 License denial, nonrenewal, suspension, or revocation; fines.
• 431:9J-114 Rules.

article 9N
Bail agents; sureties

• 431:9N-101 Definitions.
• 431:9N-102 License denial, nonrenewal, suspension, or revocation; trade name bar.
• 431:9N-103 Fiduciary responsibilities.
• 431:9N-104 Bail agent not to act as attorney.

ARTICLE 10
INSURANCE CONTRACTS GENERALLY
PART I. READABILITY OF INSURANCE CONTRACTS

• 431:10-101 Scope; effective dates.
• 431:10-102 Definitions.
• 431:10-103 Exemptions of certain contracts.
• 431:10-104 General readability requirements.
• 431:10-105 Required reading test; authorization and availability.
• 431:10-106 Flesch reading ease test; procedures.
• 431:10-107 Filing of certificate.
• 431:10-108 Flesch reading ease score; lower score authorized; when.
• 431:10-109 Disclosure of health care coverage and benefits.

PART II. GENERAL RULES

• 431:10-201 Scope.
• 431:10-202 Definitions.
• 431:10-203 Power to contract.
• 431:10-204 Insurable interest required; personal insurances.
• 431:10-205 Interest of the insured.
• 431:10-206 Application for insurance: consent of insured required.
• 431:10-207 Alteration of application.
• 431:10-208 Limitations on use of application as evidence.
• 431:10-209 Warranties, misrepresentations in applications.
• 431:10-210 Standard form fire insurance policy.
• 431:10-211 Content of policies in general.
• 431:10-211.3 Commercial general liability extended reporting requirements.
• 431:10-211.5 Premium waiver provisions; restrictions.
• 431:10-212 Contract limitations for handicapped children and children with intellectual disabilities.
• 431:10-213 REPEALED.
• 431:10-214 Right to return policy.
• 431:10-215 Readjustment of premiums; dividends.
• 431:10-216 Additional contents.
• 431:10-217 Charter, bylaw provisions.
• 431:10-217.5 Policies relating to domestic abuse cases.
• 431:10-218 Stated premium must include all charges.
• 431:10-219 Multi-peril policies, premiums stated separately.
• 431:10-220 Policy must contain entire contract.
• 431:10-221 Prohibited policy provisions: limiting actions and jurisdictions.
• 431:10-222 Construction industry; indemnity agreements invalid.
• 431:10-222.5 Pooled insurance.
• 431:10-223 Underwriters and combination policies.
• 431:10-224 Execution of policies.
• 431:10-225 Delivery of policy.
• 431:10-226 Renewal of policy; new policy not required.
• 431:10-226.5 Notice of cancellation or nonrenewal.
• 431:10-227 Retroactive annulment of liability policies prohibited.
• 431:10-228 Assignment of policies.
• 431:10-229 Dividends payable to the real party.
• 431:10-230 Payment discharges insurer.
• 431:10-231 Exemption of proceeds; accident and health or sickness.
• 431:10-232 Exemption of proceeds; life, endowment and annuity.
• 431:10-233 Exemption of proceeds; group life.
• 431:10-234 Spouses' and reciprocal beneficiaries' right in life insurance policy.
• 431:10-235 Forms for proof of loss furnished.
• 431:10-236 Claim administration not waiver.
• 431:10-237 Construction of policies.
• 431:10-238 Validity of noncomplying forms.
• 431:10-239 Intervening breach.
• 431:10-240 Insurance contracts; punitive damages.
• 431:10-241 Venue in certain actions.
• 431:10-242 Policyholder and other suits against insurer.
• 431:10-243 Interest upon proceeds of life insurance policies.
• 431:10-244 Filing procedure for contracts approved by commissioner.

ARTICLE 10A
ACCIDENT AND HEALTH OR SICKNESS INSURANCE CONTRACTS

• 431:10A-101 Applications and exceptions.
• 431:10A-102 Accident and health or sickness insurance policy defined.
• 431:10A-102.5 REPEALED.
• 431:10A-103 Family coverage defined.
• 431:10A-104 Form of policy.
• 431:10A-105 Required provisions.
• 431:10A-105.3 Association health plan policy; compliance with state law.
• 431:10A-105.5 Federal law compliance.
• 431:10A-105.6 Prohibition on rescissions of coverage.
• 431:10A-105.7 Required disclaimer.
• 431:10A-106 Optional provisions.
• 431:10A-107 Inapplicable or inconsistent provisions.
• 431:10A-108 Order of certain policy provisions.
• 431:10A-109 Third party ownership.
• 431:10A-110 Requirements of other jurisdictions.
• 431:10A-111 Other policy provisions.
• 431:10A-112 Policy conflicting with this part.
• 431:10A-113 Filing procedure.
• 431:10A-114 Age limit.
• 431:10A-115 Coverage of newborn children.
• 431:10A-115.5 Coverage for child health supervision services.
• 431:10A-116 Coverage for specific services.
• 431:10A-116.2 Mammograms; referral not required.
• 431:10A-116.3 Coverage for telehealth.
• 431:10A-116.5 In vitro fertilization procedure coverage.
• 431:10A-116.6 Contraceptive services.
• 431:10A-116.7 Contraceptive services; religious employers exemption.
• 431:10A-117 Franchise plan.
• 431:10A-118 Genetic information nondiscrimination in accident and health or sickness insurance coverage
• 431:10A-118.3 Nondiscrimination on the basis of actual gender identity or perceived gender identity; coverage for services.
• 431:10A-119 Hospice care coverage.
• 431:10A-120 Medical foods and low-protein modified food products; treatment of inborn error of metabolism; notice.
• 431:10A-121 Coverage for diabetes.
• 431:10A-122 Colon cancer screening coverage.
• 431:10A-125 Primary care provider; advanced practice registered nurse.
• 431:10A-126 Cancer treatment.
• 431:10A-131 REPEALED.
• 431:10A-132 Orthodontic services for orofacial anomalies; benefits and coverage; notice.
• 431:10A-133 Autism benefits and coverage; notice; definitions.
• 431:10A-134 Human immunodeficiency virus and acquired immunodeficiency syndrome screening coverage.
• 431:10A-140 Formulary; accessibility requirements.
• 431:10A-141 Extension of dependent coverage.
• 431:10A-142 Prohibition of preexisting condition exclusions.
• 431:10A-143 Prohibited discrimination in premiums or contributions.
• 431:10A-144 Reimbursement to providers.

PART II. GROUP AND BLANKET DISABILITY INSURANCE

• 431:10A-201 Definitions.
• 431:10A-202 Health care groups.
• 431:10A-203 Standard provisions.
• 431:10A-204 Optional provision, examination and autopsy.
• 431:10A-205 Payment of benefits.
• 431:10A-206 Coverage of newborn children.
• 431:10A-206.5 Coverage for child health supervision services.
• 431:10A-207 Coverage for specific services.
• 431:10A-208 Qualified medical child support order.
• 431:10A-209 Association health plan policy; compliance with state law.
• 431:10A-210 Extension of dependent coverage.
• 431:10A-211 Prohibition of preexisting condition exclusions.
• 431:10A-212 Prohibited discrimination in premiums or contributions.

PART III. MEDICARE SUPPLEMENT POLICIES

• 431:10A-301 Definitions.
• 431:10A-302 Applicability and scope.
• 431:10A-303 REPEALED.
• 431:10A-304 Standards for policy provisions.
• 431:10A-305 Rules.
• 431:10A-306 Loss ratio standards.
• 431:10A-307 Disclosure standards.
• 431:10A-308 Notice of free examination.
• 431:10A-309 Filings; approval of forms.
• 431:10A-310 Filing requirements for advertising.
• 431:10A-311 Penalties.
• 431:10A-312 Severability.

PART IV. EXTENDED HEALTH INSURANCE

• 431:10A-401 Purpose.
• 431:10A-402 Definitions.
• 431:10A-403 Association of insurers; policyholder; policy.
• 431:10A-404 Persons authorized to transact insurance.
• 431:10A-404.5 Genetic information nondiscrimination in extended health insurance coverage.
• 431:10A-405 Association; powers, process; examination.
• 431:10A-406 Forms; rates; approval.
• 431:10A-407 Duplication of benefits; adjustment.
• 431:10A-408 Annual report filed by association.
• 431:10A-409 Articles of association; agent, membership list; deception.
• 431:10A-410 Violation of other laws.

PART V. LONG-TERM CARE INSURANCE--REPEALED

• 431:10A-521 to 431:10A-531 REPEALED.

PART VI. MISCELLANEOUS PROVISIONS

• 431:10A-601 Reciprocal beneficiary family coverage defined; policyholder and employer responsibility for costs; availability.
• 431:10A-602 Federally funded programs; exemption.
• 431:10A-603 Self-employed persons, exemption.
• 431:10A-604 Bona fide trade associations.
• 431:10A-605 Short-term, limited-duration health insurance.
• 431:10A-606 Medication synchronization; proration; dispensing fees.
• 431:10A-607 Limited benefit health insurance

ARTICLE 10B
CREDIT LIFE INSURANCE
AND CREDIT DISABILITY INSURANCE

• 431:10B-101 Purpose.
• 431:10B-102 Scope
• 431:10B-103 Definitions.
• 431:10B-104 Forms of credit life insurance and credit disability insurance
• 431:10B-105 Amount of credit life insurance and credit disability insurance.
• 431:10B-106 Term of credit life and credit disability insurance.
• 431:10B-107 Provisions of policies and certificates of insurance: disclosure to debtors.
• 431:10B-108 Filing, approval, and withdrawal of forms and premium rates.
• 431:10B-109 Premiums and refunds.
• 431:10B-110 Issuance of policies.
• 431:10B-111 Claims.
• 431:10B-112 Existing insurance and choice of insurer.
• 431:10B-113 Enforcement.
• 431:10B-114 Penalties.

ARTICLE 10C
MOTOR VEHICLE INSURANCE

• 431:10C-101 Short title.
• 431:10C-102 Purpose.
• 431:10C-103 Definitions.
• 431:10C-103.5 Personal injury protection benefits; defined; limits.
• 431:10C-103.6 Personal injury protection benefits tied to prepaid health care plan for description of coverage only.
• 431:10C-104 Conditions of operation and registration of motor vehicles.
• 431:10C-104.5 REPEALED.
• 431:10C-105 Self-insurance.
• 431:10C-106 Specialty insurers not prohibited.
• 431:10C-107 Verification of insurance: motor vehicles.
• 431:10C-108 Unlawful use of motor vehicle insurance identification card.
• 431:10C-109 Motor vehicle insurance identification card after cancellation of policy; return to insurer, civil sanctions.
• 431:10C-110 Rejection of application, joint underwriting plan placement.
• 431:10C-110.5 Replacing motor vehicle insurance policy through an insurer's affiliate or subsidiary.
• 431:10C-111 Cancellation and nonrenewal of policies: when prohibited, when permitted.
• 431:10C-111.5 Limit on nonrenewals and conditional renewals.
• 431:10C-112 Notice of cancellation or nonrenewal; effect on term of coverage.
• 431:10C-112.5 Notice of cancellation for insurer ceasing to issue motor vehicle insurance policies.
• 431:10C-113 Violation of rejection, cancellation and nonrenewal provisions.
• 431:10C-114 Insured's obligations upon termination of insurance.
• 431:10C-115 Drivers education fund underwriters fee.
• 431:10C-115.5 REPEALED.
• 431:10C-115.6 Disclosure of personal injury protection limits and payments.
• 431:10C-115.7 Plain language billings.
• 431:10C-116 Challenges to motor vehicle insurance law; intervention by attorney general.
• 431:10C-117 Penalties.
• 431:10C-117.5 Additional civil liability.
• 431:10C-118 Fee in lieu of fine; defense.
• 431:10C-119 Insurer's requirements.
• 431:10C-120 Prohibitions, penalty.
• 431:10C-121 Severability.
• 431:10C-122 Payment of general excise tax and certificate of ownership fee on third-party claims.

PART II. RATES AND ADMINISTRATION

• 431:10C-201 Motor vehicle insurance rates generally.
• 431:10C-202 Making of motor vehicle insurance rates.
• 431:10C-202.5 Immediate rate freeze; rate reduction; relief.
• 431:10C-203 Rate filings.
• 431:10C-204 REPEALED.
• 431:10C-205 Rate review: request by aggrieved party.
• 431:10C-206 REPEALED.
• 431:10C-206.5 Group insurance plans.
• 431:10C-207 Discriminatory practices prohibited.
• 431:10C-208 Increase in premiums prohibited.
• 431:10C-209 Rate administration.
• 431:10C-209.5 REPEALED.
• 431:10C-210 Publication of premium information.
• 431:10C-211 Attorney's fees.
• 431:10C-212 Administrative hearing on insurer's denial of claim.
• 431:10C-213 Arbitration.
• 431:10C-213.5 Binding arbitration.
• 431:10C-214 Administration.
• 431:10C-215 Inspection and audit.
• 431:10C-216 Annual review.
• 431:10G-201 Making of motorcycle and motor scooter insurance rates.
• 431:10G-202 Rate filings.
• 431:10G-203 Rate review: request by aggrieved party.
• 431:10G-204 Rate review: rate methods in noncompliance with article.
• 431:10G-206 Rate administration.

PART III. COVERAGES AND RIGHTS

• 431:10C-301 Required motor vehicle policy coverage.
• 431:10C-301.5 Covered loss deductible.
• 431:10C-302 Required optional additional insurance.
• 431:10C-302.5 Managed care option.
• 431:10C-303 Right to personal injury protection benefits.
• 431:10C-303.5 U-drive insurance policy; primary.
• 431:10C-304 Obligation to pay personal injury protection benefits.
• 431:10C-305 Source of payment.
• 431:10C-305.5 Right to reimbursement of deductible paid; when.
• 431:10C-306 Abolition of tort liability.
• 431:10C-307 Reimbursement of duplicate benefits.
• 431:10C-307.7 REPEALED.
• 431:10C-307.8 REPEALED.
• 431:10C-308 REPEALED.
• 431:10C-308.5 Limitation on charges.
• 431:10C-308.6 REPEALED.
• 431:10C-308.7 Client-patient referrals, health care provider practices prohibited.
• 431:10C-309 Total loss motor vehicle claims.
• 431:10C-310 Total loss motor vehicle claims: replacement.
• 431:10C-311 Total loss motor vehicle claims: cash settlement.
• 431:10C-312 Payment of excise tax and certificate of ownership fee.
• 431:10C-313 Insurer practices regarding loss of use, storage and towing, and betterment.
• 431:10C-313.5 Preferred repair provider.
• 431:10C-313.6 Original equipment manufacturer's and like kind and quality parts.
• 431:10C-314 Jurisdiction.
• 431:10C-315 Statute of limitations.
• 431:10G-301 Required motorcycle and motor scooter policy coverage.

PART IV. JOINT UNDERWRITING PLAN
Subpart A. Participation and Administration

• 431:10C-401 Participation.
• 431:10C-402 Bureau.
• 431:10C-403 Bureau's duties.
• 431:10C-404 Allocation of costs.
• 431:10C-405 Board of governors.
• 431:10C-406 Regulations, review, and appellate procedure.

Subpart B. Coverages and Assignment of Claims

• 431:10C-407 Classifications.
• 431:10C-408 Assigned claims.

Subpart C. Rates

• 431:10C-409 Establishment and criteria.
• 431:10C-410 Schedules.
• 431:10C-411 Optional additional coverages.
• 431:10C-412 Adjustment and refund

PART V. MOTORCYCLES AND MOTOR SCOOTERS--REPEALED

• 431:10C-501 to 431:10C-504 REPEALED.

PART VI. SELF-INSURER REQUIREMENTS

• 431:10C-601 Agreement.
• 431:10C-602 Surety bond or deposit of security; proof of financial ability.
• 431:10C-603 Proof of ability to process and pay claims promptly.
• 431:10C-604 Issuance of certificate of self-insurance.
• 431:10C-605 Duty to notify commissioner.
• 431:10C-606 Duration of certification.
• 431:10C-607 Revocation of certificate of self-insurance.
• 431:10C-608 Termination of self-insurer status and withdrawal of security deposit.

Part VII. transportation network companies

• 431:10C-701 Definitions.
• 431:10C-702 Relation to other laws.
• 431:10C-703 Transportation network company and transportation network company driver; disclosure; limitations; insurance requirements.
• 431:10C-704 Records.
• 431:10C-705 Disclaimers, waiver of liability, and indemnity agreements invalid.

ARTICLE 10D
LIFE INSURANCE AND ANNUITIES

• 431:10D-101 Scope.
• 431:10D-102 Standard provisions required.
• 431:10D-103 Policy loan interest rates for policies issued after June 22, 1982.
• 431:10D-104 Standard nonforfeiture law for life insurance.
• 431:10D-105 Annuities and pure endowment contracts; standard provisions required.
• 431:10D-106 Reversionary annuities; standard provisions required.
• 431:10D-107 Standard nonforfeiture law; individual deferred annuities.
• 431:10D-108 Limitation of liability.
• 431:10D-109 Scope of incontestable clauses.
• 431:10D-110 Incontestability after reinstatement.
• 431:10D-111 Premium deposits.
• 431:10D-112 Policy settlements.
• 431:10D-113 Indebtedness deducted from proceeds.
• 431:10D-114 Miscellaneous proceeds.
• 431:10D-115 Dealing in dividends.
• 431:10D-116 Prohibited policy plans.
• 431:10D-117 Life franchise plan.
• 431:10D-118 Variable contracts.

PART II. GROUP LIFE INSURANCE

• 431:10D-201 Group life insurance requirements.
• 431:10D-202 Employee groups.
• 431:10D-203 Debtor groups.
• 431:10D-204 Labor union groups.
• 431:10D-205 Trustee groups.
• 431:10D-206 Agent groups.
• 431:10D-207 Public employee association groups.
• 431:10D-208 Mutual benefit society groups.
• 431:10D-209 Professional association groups.
• 431:10D-210 Occupation, industry, or trade association groups.
• 431:10D-211 Credit union groups.
• 431:10D-211.5 Other groups; limits.
• 431:10D-212 Spouses and dependents of insured individuals.
• 431:10D-213 Standard provisions required.
• 431:10D-214 Notice to insured regarding conversion right.
• 431:10D-215 Assignment of policies.

PART III. INDUSTRIAL LIFE INSURANCE

• 431:10D-301 Scope.
• 431:10D-302 General life insurance provisions applicable.
• 431:10D-303 Industrial life insurance defined.
• 431:10D-304 Compliance required.
• 431:10D-305 Standard provisions required.
• 431:10D-306 Title on policy.
• 431:10D-307 Beneficiary.
• 431:10D-308 Facility of payment.
• 431:10D-309 Premiums paid direct.
• 431:10D-310 Application to term and specified insurance.
• 431:10D-311 Crediting of dividends.
• 431:10D-312 Prohibited provisions.
• 431:10D-313 Limitation of liability.

PART IV. LIFE INSURANCE POLICY ILLUSTRATIONS

• 431:10D-401 Scope.
• 431:10D-402 Definitions.
• 431:10D-403 Policies to be illustrated.
• 431:10D-404 General requirements and prohibitions.
• 431:10D-405 Standards for basic illustrations.
• 431:10D-406 Standards for supplemental illustrations.
• 431:10D-407 Delivery of illustration and record retention.
• 431:10D-408 Annual reports and notice to policy owners.
• 431:10D-409 Annual certifications.
• 431:10D-410 Penalties.
• 431:10D-411 Authority to adopt rules.
• 431:10D-412 REPEALED.

PART V. REPLACEMENT OF LIFE INSURANCE POLICIES AND ANNUITIES

• 431:10D-501 Purpose and scope.
• 431:10D-502 Definitions.
• 431:10D-503 Duties of producers.
• 431:10D-504 Duties of insurers that use producers.
• 431:10D-505 Duties of replacing insurers that use producers.
• 431:10D-506 Duties of the existing insurer.
• 431:10D-507 Duties of insurers with respect to direct-response solicitations.
• 431:10D-508 Violations and penalties.
• 431:10D-509 Authority to adopt rules.
• 431:10D-510 REPEALED.

PART VI. ANNUITY DISCLOSURE

• 431:10D-601 Definitions.
• 431:10D-602 Applicability of standards for disclosure.
• 431:10D-603 Standards for the disclosure document and buyer's guide.
• 431:10D-604 Report to contract owners.
• 431:10D-605 Penalties.

Part VII. SUITABILITY IN ANNUITY TRANSACTIONS

• 431:10D-621 Scope.
• 431:10D-622 Definitions.
• 431:10D-623 Duties of insurers and insurance producers.
• 431:10D-624 Compliance mitigation; penalties.
• 431:10D-625 Recordkeeping.
• 431:10D-626 Insurance producer training.

PART VIII. USE OF SENIOR-SPECIFIC CERTIFICATIONS
AND PROFESSIONAL DESIGNATIONS

• 431:10D-641 Purpose.
• 431:10D-642 Prohibited uses of senior-specific certifications and professional designations.

Part IX. Unclaimed life insurance benefits act

• 431:10D-651 Short title.
• 431:10D-652 Purpose.
• 431:10D-653 Definitions.
• 431:10D-654 Insurer conduct.

ARTICLE 10E
PROPERTY INSURANCE
PART I. INSURABLE INTEREST IN PROPERTY;
OVER-INSURANCE

• 431:10E-101 Insurable interest in property required.
• 431:10E-102 Over-insurance prohibited; exceptions.
• 431:10E-103 Exceptions.

PART II. HOMEOWNERS INSURANCE CLAIMS HISTORY

• 431:10E-121 Purpose.
• 431:10E-122 Scope; effective dates.
• 431:10E-123 Definitions.
• 431:10E-124 Use of inquiries and other information.

PART III. LAVA ZONES

• 431:10E-141 Lava zone defined.
• 431:10E-142 Provisions for properties in lava zones in the county of Hawaii.

PART IV. COVERAGES

• 431:10E-151 Notice requirement.
• 431:10E-152 Extended coverage.

ARTICLE 10F
SURETY INSURANCE

• 431:10F-101 Requirements deemed met by surety insurer.
• 431:10F-102 Fiduciary bonds, expense.
• 431:10F-103 Court bonds, costs.
• 431:10F-104 Release from liability.
• 431:10F-105 Directed suretyship; coercion of contractors.

ARTICLE 10G
MOTORCYCLE AND MOTOR SCOOTER INSURANCE

• 431:10G-101 Definitions.
• 431:10G-102 Conditions of operation and registration of motorcycles and motor scooters.
• 431:10G-103 Motorcycle or motor scooter self-insurance.
• 431:10G-104 Prerequisites for obtaining coverage.
• 431:10G-105 Tort liability.
• 431:10G-106 Verification of insurance.
• 431:10G-107 Drivers education fund underwriters fee; motorcycle and motor scooter operators education fund.
• 431:10G-108 Penalties.
• 431:10G-109 Rules.

ARTICLE 10H
LONG-TERM CARE INSURANCE

• 431:10H-101 Purpose.
• 431:10H-102 Scope.
• 431:10H-103 Short title.
• 431:10H-104 Definitions.
• 431:10H-105 Extraterritorial jurisdiction; group policies.
• 431:10H-106 Rules.
• 431:10H-106.5 Producer training requirements.
• 431:10H-107 Basic standards.
• 431:10H-108 Preexisting conditions--group and individual policies.
• 431:10H-109 Prior hospitalization; prior institutionalization.
• 431:10H-110 Loss ratio standards; factors; commissioner approval.
• 431:10H-111 Right to return; free look provision.
• 431:10H-112 Outline of coverage required.
• 431:10H-113 Group policy certificate requirements.
• 431:10H-114 Life insurance policies offering long-term care benefits.
• 431:10H-115 Incontestability period--group and individual policies.
• 431:10H-116 Nonforfeiture benefits.
• 431:10H-116.5 Delivery of the contract or certificate of insurance.
• 431:10H-116.6 Denial of claims; compliance requirements.
• 431:10H-117 Authority to adopt rules.

PART II. LONG-TERM CARE INSURANCE MODEL REGULATION

• 431:10H-201 Policy definitions.
• 431:10H-202 Renewability.
• 431:10H-202.5 Licensing.
• 431:10H-203 Limitations and exclusions.
• 431:10H-204 Extension of benefits.
• 431:10H-204.5 Electronic enrollment for group policies.
• 431:10H-205 Continuation or conversion.
• 431:10H-206 Discontinuance and replacement.
• 431:10H-207 Premiums charged--group and individual policies.
• 431:10H-207.5 Premium rate schedule increases.
• 431:10H-208 Unintentional lapse.
• 431:10H-209 Lapse or termination for nonpayment of premium.
• 431:10H-210 Reinstatement.
• 431:10H-211 Disclosure; renewability.
• 431:10H-212 Disclosure; riders and endorsements.
• 431:10H-213 Disclosure; payment of benefits.
• 431:10H-214 Disclosure; limitations.
• 431:10H-215 Disclosure; other limitations and conditions on eligibility for benefits.
• 431:10H-216 Disclosure of tax consequences.
• 431:10H-217 Disclosure; benefit triggers.
• 431:10H-217.5 Required disclosure of rating practices to consumers.
• 431:10H-218 Prohibition against post-claims underwriting.
• 431:10H-219 Minimum standards for home health and community care benefits.
• 431:10H-220 Requirement to offer inflation protection; group and individual policies.
• 431:10H-221 Requirements for application forms and replacement coverage.
• 431:10H-222 Reporting requirements.
• 431:10H-223 Discretionary powers of the commissioner.
• 431:10H-224 Reserve standards; life insurance policies or riders.
• 431:10H-225 Reserve standards; insurance other than life.
• 431:10H-226 Loss ratio.
• 431:10H-226.5 Initial filing requirements.
• 431:10H-227 Filing requirements; extraterritorial.
• 431:10H-228 Filing requirements; advertisements.
• 431:10H-228.5 Disapproval of filings.
• 431:10H-229 Standards for marketing.
• 431:10H-230 Standards of marketing--certain group policies.
• 431:10H-231 Suitability.
• 431:10H-232 Prohibition against preexisting conditions and probationary periods in replacement policies and certificates.
• 431:10H-233 Nonforfeiture benefit requirement
• 431:10H-234 Standards for benefit triggers.
• 431:10H-234.5 Additional standards for benefit triggers for qualified long-term care insurance contracts.
• 431:10H-235 Standard format outline of coverage; group and individual policies.
• 431:10H-236 Delivery of shopper's guide; group and individual policies.
• 431:10H-237 Penalties.

PART III. FEDERAL CONFORMITY

• 431:10H-301 Group long-term care insurance policies conformance to Health Insurance Portability and Accountability Act and Internal Revenue Code.
• 431:10H-302 Individual long-term care insurance policy coverages.
• 431:10H-303 Conflict with Health Insurance Portability and Accountability Act.
• 431:10H-304 Disclosure of qualification for tax benefits.

PART IV. UNIVERSAL AVAILABILITY OF
LONG-TERM CARE INSURANCE

• 431:10H-401 Publicizing of policies.
• 431:10H-402 Purchase of policy and payment of premiums on an individual's behalf.

ARTICLE 11
INSURANCE HOLDING COMPANY SYSTEM

• 431:11-101 Scope and purpose.
• 431:11-102 Definitions.
• 431:11-103 Subsidiaries of insurers.
• 431:11-104 Acquisition of control or merger with domestic insurer.
• 431:11-104.1 Definitions.
• 431:11-104.2 Scope.
• 431:11-104.3 Preacquisition notification; waiting period.
• 431:11-104.4 Competitive standard.
• 431:11-104.5 Orders and penalties.
• 431:11-104.6 Inapplicable provisions.
• 431:11-105 Registration of insurers.
• 431:11-106 Standards and management of an insurer within a holding company system.
• 431:11-107 Examination.
• 431:11-107.5 Supervisory colleges.
• 431:11-107.7 Group-wide supervision of internationally active insurance groups.
• 431:11-108 Confidential treatment.
• 431:11-109 Rules and regulations.
• 431:11-110 Injunctions; prohibitions against voting securities; sequestration of voting securities.
• 431:11-111 Sanctions.
• 431:11-112 Receivership.
• 431:11-113 Recovery.
• 431:11-114 Revocation, suspension, or nonrenewal of insurer's license.
• 431:11-115 Judicial review; mandamus.
• 431:11-116 Conflict with other laws.
• 431:11-117 Severability of provisions.

ARTICLE 11A
BUSINESS TRANSACTED WITH PRODUCER CONTROLLED
PROPERTY/CASUALTY INSURER

• 431:11A-101 Definitions.
• 431:11A-102 Applicability.
• 431:11A-103 Minimum standards.
• 431:11A-104 Disclosure.
• 431:11A-105 Penalties.

ARTICLE 12
MASS MERCHANDISING OF INSURANCE

• 431:12-101 Definitions.
• 431:12-102 Applicability.
• 431:12-103 Mass merchandising authorized.
• 431:12-104 Mass merchandising prohibited; when.
• 431:12-105 Mass merchandising requirements.
• 431:12-106 Disclosure.
• 431:12-107 Payroll deductions and premium collections.
• 431:12-108 Employer's failure to remit premiums.
• 431:12-109 Cancellation and nonrenewal.
• 431:12-110 Premium rates.
• 431:12-111 Readjustment of premiums; dividends.
• 431:12-112 Underwriting standards.
• 431:12-113 Statistics.
• 431:12-114 Licenses.
• 431:12-115 Establishment and maintenance of office.
• 431:12-116 Rules.

ARTICLE 13
UNFAIR METHODS OF COMPETITION
AND UNFAIR AND DECEPTIVE
ACTS AND PRACTICES IN THE BUSINESS OF INSURANCE

• 431:13-101 Purpose.
• 431:13-102 Unfair methods of competition; unfair or deceptive acts or practices prohibited.
• 431:13-103 Unfair methods of competition and unfair or deceptive acts or practices defined.
• 431:13-104 Favored producer or insurer; coercion of debtors.
• 431:13-105 Power of commissioner.
• 431:13-106 Hearings.
• 431:13-107 Commissioner's right of action.
• 431:13-108 Reimbursement for accident and health or sickness insurance benefits.

PART II. PENALTIES AND JUDICIAL REVIEW

• 431:13-201 Cease and desist and penalty orders; judicial review.
• 431:13-202 Penalty for violation of cease and desist orders.
• 431:13-203 Rules.
• 431:13-204 Provisions of sections additional to existing laws.

ARTICLE 14
RATE REGULATION
PART I. CASUALTY, SURETY, PROPERTY, MARINE AND
TRANSPORTATION RATE REGULATION

• 431:14-101 Purpose.
• 431:14-101.5 Definitions.
• 431:14-102 Scope.
• 431:14-103 Making of rates.
• 431:14-103.3 Rate adjustment mandates.
• 431:14-103.5 Contracting classification premium program.
• 431:14-104 Rate filings.
• 431:14-104.5 Loss cost filings.
• 431:14-105 Policy revisions that alter coverage.
• 431:14-105.5 Standing to intervene in rate filing and ratemaking proceedings.
• 431:14-106 Disapproval of filings.
• 431:14-107 Rating organizations.
• 431:14-107.1 Rating and advisory organizations, permitted activity.
• 431:14-107.2 Insurers and organizations, prohibited activity.
• 431:14-107.3 Rating or advisory organizations, prohibited activity.
• 431:14-108 Deviations.
• 431:14-109 Appeal by minority.
• 431:14-110 Information to be furnished insureds; hearings and appeals of insureds.
• 431:14-110.5 Disclosure of workers' compensation premium information.
• 431:14-110.8 Publication of homeowners insurance premium information.
• 431:14-111 Advisory organizations.
• 431:14-112 Joint underwriting or joint reinsurance.
• 431:14-113 Examination.
• 431:14-114 Rate administration.
• 431:14-115 False or misleading information.
• 431:14-116 Assigned risks.
• 431:14-116.5 Assigned risk pool; experience rating plan.
• 431:14-116.6 Assigned risk pool; residual market plan.
• 431:14-117 Penalties.
• 431:14-118 Hearing procedure and judicial review.
• 431:14-119 REPEALED.
• 431:14-120 Additional powers for workers' compensation rate filing and ratemaking.

ARTICLE 14A
HAWAII EMPLOYERS' MUTUAL INSURANCE COMPANY

• 431:14A-101 Purpose.
• 431:14A-102 Definitions.
• 431:14A-103 Hawaii employers' mutual insurance company, established.
• 431:14A-104 Company divisions.
• 431:14A-105 Board of directors, established.
• 431:14A-106 Powers; generally.
• 431:14A-107 Duties and responsibilities.
• 431:14A-108 Administrator; appointment; duties.
• 431:14A-109 Financial management.
• 431:14A-109.5 Oversight council.
• 431:14A-110 Premium rates, determination.
• 431:14A-111 Reserves, investment.
• 431:14A-112 Financial statements and other reports.
• 431:14A-113 Annual accounting; dividends.
• 431:14A-114 Audits.
• 431:14A-115 Denial, cancellation, and termination.
• 431:14A-116 Wilful misrepresentation and fraud.
• 431:14A-117 Workplace safety and health programs.
• 431:14A-118 Discontinuation of residual market plan.
• 431:14A-119 Discontinuation of assigned risks.

ARTICLE 14F
HEALTH INSURANCE RATE REGULATION--REPEALED

• 431:14F-101 to 431:14F-113 REPEALED.

ARTICLE 14G
HEALTH INSURANCE RATE REGULATION

• 431:14G-101 Scope and purpose.
• 431:14G-102 Definitions.
• 431:14G-103 Making of rates.
• 431:14G-103.5 Rerating.
• 431:14G-104 Rate adjustment mandates.
• 431:14G-105 Rate filings.
• 431:14G-106 Policy revisions that alter coverage.
• 431:14G-107 Disapproval of filings.
• 431:14G-108 Managed care plans; prohibited activity.
• 431:14G-109 Information to be furnished enrollees; hearings and appeals of enrollees.
• 431:14G-109.5 Publication of premium information.
• 431:14G-110 False or misleading information
• 431:14G-111 Penalties.
• 431:14G-112 Hearing procedure and judicial review.

ARTICLE 15
INSURERS SUPERVISION, REHABILITATION AND
LIQUIDATION

• 431:15-101 Construction and purpose.
• 431:15-102 Persons covered.
• 431:15-103 Definitions.
• 431:15-103.5 Standards and authority.
• 431:15-104 Jurisdiction and venue.
• 431:15-105 Injunctions and orders.
• 431:15-106 Cooperation of officers and employees.
• 431:15-107 Commissioner's reports.
• 431:15-108 Continuation of delinquency proceedings.

PART II. SUMMARY PROCEEDINGS AND SUPERVISORY PROCEEDINGS

• 431:15-201 Commissioner's summary orders and supervision proceedings.
• 431:15-202 Court's seizure order.
• 431:15-203 Confidentiality of hearings.

PART III. FORMAL PROCEEDINGS

• 431:15-301 Grounds for rehabilitation.
• 431:15-302 Rehabilitation orders.
• 431:15-303 Powers and duties of the rehabilitator.
• 431:15-304 Actions by and against rehabilitator.
• 431:15-305 Termination of rehabilitation.
• 431:15-306 Grounds for liquidation.
• 431:15-307 Liquidation orders.
• 431:15-308 Continuance of coverage.
• 431:15-309 Dissolution of insurer.
• 431:15-310 Powers of liquidator.
• 431:15-311 Notice to creditors and others.
• 431:15-312 Duties of producers.
• 431:15-313 Actions by and against liquidator.
• 431:15-314 Collection and list of assets.
• 431:15-315 Fraudulent transfers prior to petition.
• 431:15-316 Fraudulent transfer after petition.
• 431:15-317 Voidable preferences and liens.
• 431:15-318 Claims of holders of void or voidable rights.
• 431:15-319 Setoffs and counterclaims.
• 431:15-320 Assessments.
• 431:15-321 Reinsurer's liability.
• 431:15-322 Applicability of claims settlement provisions to loss claims.
• 431:15-323 Recovery of premiums owed.
• 431:15-324 Domiciliary liquidator's proposal to distribute assets.
• 431:15-325 Filing of claims.
• 431:15-326 Proof of claim.
• 431:15-327 Special claims.
• 431:15-328 Provisions for third party claims.
• 431:15-329 Disputed claims.
• 431:15-330 Claims of surety.
• 431:15-331 Secured creditor's claims.
• 431:15-332 Priority of distribution.
• 431:15-333 Liquidator's recommendations to the court.
• 431:15-334 Distribution of assets.
• 431:15-335 Unclaimed and withheld funds.
• 431:15-336 Termination of proceedings.
• 431:15-337 Reopening liquidation.
• 431:15-338 Disposition of records during and after termination of liquidation.

PART IV. INTERSTATE RELATIONS

• 431:15-401 Conservation of property of foreign or alien insurers found in this State.
• 431:15-402 Liquidation of property of foreign or alien insurers found in this State.
• 431:15-403 Domiciliary liquidators in other states.
• 431:15-404 Ancillary formal proceedings.
• 431:15-405 Ancillary summary proceedings.
• 431:15-406 Claims of nonresidents against insurers domiciled in this State.
• 431:15-407 Claims of residents against insurers domiciled in reciprocal states.
• 431:15-408 Attachment, garnishment and levy of execution.
• 431:15-409 Interstate priorities.
• 431:15-410 Subordination of claims for noncooperation.
• 431:15-411 Separability.

ARTICLE 16
GUARANTY ASSOCIATIONS
PART I. PROPERTY AND LIABILITY INSURANCE GUARANTY
ASSOCIATION

• 431:16-101 Title.
• 431:16-102 Purpose.
• 431:16-103 Scope.
• 431:16-104 Construction.
• 431:16-105 Definitions.
• 431:16-106 Creation of association.
• 431:16-107 Board of directors.
• 431:16-108 Powers and duties of the association.
• 431:16-109 Plan of operation.
• 431:16-110 Duties and powers of the commissioner.
• 431:16-111 Effect of paid claims.
• 431:16-112 Exhaustion of other coverage.
• 431:16-113 Prevention of insolvencies.
• 431:16-114 Tax exemption.
• 431:16-115 Recoupment of assessment.
• 431:16-116 Immunity.
• 431:16-117 Stay of proceedings.

PART II. LIFE AND DISABILITY
INSURANCE GUARANTY ASSOCIATION

• 431:16-201 Title.
• 431:16-202 Purpose.
• 431:16-203 Coverage and limitations.
• 431:16-204 Construction.
• 431:16-205 Definitions.
• 431:16-206 Creation of the association.
• 431:16-207 Board of directors.
• 431:16-208 Powers and duties of the association.
• 431:16-209 Assessments.
• 431:16-210 Plan of operation.
• 431:16-211 Duties and powers of the commissioner.
• 431:16-212 Prevention of insolvencies.
• 431:16-213 Credits for assessments paid.
• 431:16-214 Miscellaneous provisions.
• 431:16-215 Tax exemptions.
• 431:16-216 Immunity.
• 431:16-217 Stay of proceedings; reopening default judgments.
• 431:16-218 Prohibited advertisement of association act in insurance sales; notice to policyholders.
• 431:16-219 REPEALED.

ARTICLE 17
INSURANCE INFORMATION PROTECTION ACT--REPEALED

• 431:17-101 to 431:17-106 REPEALED.

ARTICLE 19
CAPTIVE INSURANCE COMPANIES
PART I. GENERAL PROVISIONS

• 431:19-101 Definitions.
• 431:19-101.2 Confidential treatment.
• 431:19-101.3 REPEALED.
• 431:19-101.4 Service providers.
• 431:19-101.5 Captive insurance administrator.
• 431:19-101.6 Salary.
• 431:19-101.7 General powers and duties.
• 431:19-101.8 Captive insurance administrative fund.
• 431:19-102 Certificate of authority.
• 431:19-102.2 Personal lines insurance.
• 431:19-102.3 Redomestication; approval as a domestic captive insurer.
• 431:19-102.4 Redomestication; conversion to foreign insurer.
• 431:19-102.5 REPEALED.
• 431:19-103 Names of companies.
• 431:19-104 Minimum capital and surplus.
• 431:19-105 REPEALED.
• 431:19-106 Formation of captive insurance companies in this State.
• 431:19-106.3 REPEALED.
• 431:19-106.5 Conversion or merger of captive insurers.
• 431:19-107 Financial statements and other reports.
• 431:19-108 Examinations, investigations, and financial surveillance.
• 431:19-109 Grounds and procedures for suspension and revocation of certificate of authority; fines.
• 431:19-110 Investments.
• 431:19-111 Reinsurance.
• 431:19-111.5 Class 5 companies.
• 431:19-112 Rating organizations; memberships.
• 431:19-113 Exemption from compulsory associations.
• 431:19-114 Rules.
• 431:19-115 Laws applicable.
• 431:19-115.5 Applicability of other laws to captive insurance companies writing motor vehicle insurance policies in this State.
• 431:19-115.6 Applicability of other laws to captive insurance companies writing credit life or other credit disability insurance policies.
• 431:19-115.7 Applicability of other laws to captive insurance companies writing direct workers' compensation insurance policies.
• 431:19-116 Taxation.

PART II. SPECIAL PURPOSE FINANCIAL CAPTIVE
INSURANCE COMPANIES

• 431:19-201 Purpose.
• 431:19-202 Applicable law.
• 431:19-203 Definitions.
• 431:19-204 Certificate of authority.
• 431:19-205 Changes in plan of operation; voluntary dissolution or cessation of business.
• 431:19-206 Formation.
• 431:19-207 Minimum capital and surplus.
• 431:19-208 Issuance of securities.
• 431:19-209 Authorized contracts and agreements.
• 431:19-210 Disposition of assets; investments.
• 431:19-211 Annual reporting; books and records.
• 431:19-212 Suspension and revocation of certificate of authority.
• 431:19-213 Supervision, rehabilitation, liquidation.
• 431:19-214 Existing licenses.

Part III. SPONSORED CAPTIVE INSURANCE COMPANIES

• 431:19-301 Formation.
• 431:19-302 Supplemental application materials.
• 431:19-303 Protected cells.
• 431:19-304 Qualification of sponsors.
• 431:19-305 Participants in sponsored captive insurance companies.
• 431:19-306 Investments by sponsored captive insurance companies.
• 431:19-307 Delinquency of sponsored captive insurance companies.
• 431:19-308 Applicable laws.
• 431:19-309 Existing licenses.

ARTICLE 20
TITLE INSURANCE AND TITLE INSURERS

• 431:20-101 Scope.
• 431:20-102 Definitions.
• 431:20-103 General insurance law applicable
• 431:20-104 Particular provisions prevail.
• 431:20-105 Authorized business.
• 431:20-106 Restrictions on business.
• 431:20-106.5 Escrow depositories.
• 431:20-107 Capital requirements.
• 431:20-108 Guarantee fund.
• 431:20-109 Limitations on compliance with section 431:20-107 and section 431:20-108.
• 431:20-110 Purchase of materials and plant; valuation.
• 431:20-110.5 Dividends.
• 431:20-111 Loans to officers, etc.
• 431:20-112 Limit of risk.
• 431:20-113 Underwriting standards and record retention.
• 431:20-114 Reinsurance reserve.
• 431:20-115 Use of reinsurance reserve on liquidation, dissolution or insolvency.
• 431:20-116 Loss and loss expense reserve.
• 431:20-117 Reinsurance.
• 431:20-118 Prohibition on rebates and inducements.
• 431:20-119 Division of fees.
• 431:20-120 Schedules of premiums and charges.
• 431:20-121 Contract forms, filing, disapproval.
• 431:20-122 Annual statement.
• 431:20-123 Remedies.
• 431:20-124 Additional penalty.
• 431:20-125 Revocation or suspension of title insurer's certificate of authority.

ARTICLE 21
HAWAII PROPERTY INSURANCE ASSOCIATION

• 431:21-101 Purpose.
• 431:21-102 Definitions.
• 431:21-103 Creation of association.
• 431:21-104 Board of directors.
• 431:21-105 Powers and duties of the association.
• 431:21-105.5 Default in payment of assessments.
• 431:21-106 Plan of operation.
• 431:21-107 Designation of area.
• 431:21-108 Renewals of existing policies.
• 431:21-109 Insurance coverages available under plan.
• 431:21-110 Application; inspection.
• 431:21-111 Duties and powers of the commissioner.
• 431:21-112 Reports.
• 431:21-113 Appeals.
• 431:21-114 Tax exemptions.
• 431:21-115 Credits for assessments paid.
• 431:21-116 Examination.
• 431:21-117 Immunity and limitation on liability.
• 431:21-118 Status of association policies.
• 431:21-119 Issuance of new policies; removal of moratorium.

ARTICLE 22
LOSS MITIGATION GRANT PROGRAM

• 431:22-101 Definitions.
• 431:22-102 REPEALED.
• 431:22-103 Establishment of loss mitigation grant program.
• 431:22-104 Standards for the award of grants.
• 431:22-105 Technical advisory committee.

ARTICLE 26
HEALTH BENEFIT PLAN NETWORK ACCESS AND ADEQUACY

• 431:26-101 Definitions.
• 431:26-102 Applicability and scope.
• 431:26-103 Network adequacy.
• 431:26-104 Requirements for health carriers and participating providers.
• 431:26-105 Provider directories.
• 431:26-106 Intermediaries.
• 431:26-107 Enforcement.
• 431:26-108 Rules.
• 431:26-109 Penalties.
• 431:26-110 Severability.

ARTICLE 30
INTERSTATE INSURANCE PRODUCT REGULATION COMPACT

• 431:30-101 Scope.
• 431:30-102 Definitions.
• 431:30-103 Establishment of the commission and venue.
• 431:30-104 Powers of the commission.
• 431:30-105 REPEALED.
• 431:30-106 Membership; voting; bylaws.
• 431:30-107 Management committee; officers and personnel.
• 431:30-108 Legislative and advisory committees.
• 431:30-109 Corporate records of the commission.
• 431:30-110 Qualified immunity; defense; indemnification.
• 431:30-111 Meetings and acts of the commission.
• 431:30-112 Rules and operating procedures; rulemaking functions of the commission and rejection of uniform standards.
• 431:30-113 Commission records and enforcement.
• 431:30-114 Dispute resolution.
• 431:30-115 Product filing and approval.
• 431:30-116 Review of commission decisions regarding product filings.
• 431:30-117 Finance.
• 431:30-118 Compacting states; effective date; amendment.
• 431:30-119 Withdrawal.
• 431:30-120 Default.
• 431:30-121 Dissolution of compact.
• 431:30-122 Severability and construction.
• 431:30-123 Other laws.
• 431:30-124 Binding effect of the compact.

Article 31
portable electronics insurance

• 431:31-101 Definitions.
• 431:31-102 Licensure of vendors.
• 431:31-103 Requirements for sale of portable electronics insurance.
• 431:31-104 Authority of vendors.
• 431:31-105 Sanctions for violations.
• 431:31-106 Termination or modification of portable electronics insurance.
• 431:31-107 Application for license and fees.
• 431:31-108 Portable electronics insurance claims.