2005 Idaho Code - 41-1926 — PROHIBITED PROVISIONS -- INDUSTRIAL LIFE INSURANCE

                                  TITLE  41
                                  INSURANCE
                                  CHAPTER 19
                           LIFE INSURANCE POLICIES
                            AND ANNUITY CONTRACTS
    41-1926.  PROHIBITED PROVISIONS -- INDUSTRIAL LIFE INSURANCE. No policy of
industrial life insurance shall contain any of the following provisions:
    (1)  A provision by which the insurer may deny liability under the policy
for the reason that the insured has previously obtained other insurance from
the same insurer.
    (2)  A provision giving the insurer the right to declare the policy void
because the insured has had any disease or ailment, whether specified or not,
or because the insured has received institutional, hospital, medical or
surgical treatment or attention, except a provision which gives the insurer
the right to declare the policy void if the insured has, within two years
prior to the issuance of the policy, received institutional, hospital, medical
or surgical treatment or attention and if the insured or claimant under the
policy fails to show that the condition occasioning such treatment or
attention was not of a serious nature or was not material to the risk.
    (3)  A provision giving the insurer the right to declare the policy void
because the insured has been rejected for insurance, unless such right be
conditioned upon a showing by the insurer that knowledge of such rejection
would have led to a refusal by the insurer to make such contract.