US Laws, Codes, Statutes & Cases

                                  TITLE  41
                                  INSURANCE
                                  CHAPTER 21
                        DISABILITY INSURANCE POLICIES
    41-2104.  REQUIRED PROVISIONS -- CAPTIONS -- OMISSIONS -- SUBSTITUTIONS.
(1) Except as provided in subsection (2) below, each such policy delivered or
issued for delivery to any person in this state shall contain the provisions
specified in sections 41-2105 to 41-2116, inclusive, and sections 41-2139 and
41-2140, Idaho Code, of this chapter, in the words in which the same appear;
except, that the insurer may, at its option, substitute for one or more of
such provisions corresponding provisions of different wording approved by the
director which are in each instance not less favorable in any respect to the
insured or the beneficiary. Each such provision shall be preceded individually
by the applicable caption shown, or, at the option of the insurer, by such
appropriate individual or group captions or sub-captions as the director may
approve.
    (2)  If any such provision is in whole or in part inapplicable to or
inconsistent with the coverage provided by a particular form of policy, the
insurer, with the approval of the director, shall omit from such policy any
inapplicable provision or part of a provision, and shall modify any
inconsistent provision or part of a provision in such manner as to make the
provision as contained in the policy consistent with the coverage provided by
the policy.