41-2312 — CLAIMS

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                                  TITLE  41
                                  INSURANCE
                                  CHAPTER 23
                            CREDIT LIFE AND CREDIT
                             DISABILITY INSURANCE
    41-2312.  CLAIMS. (1) All claims shall be promptly reported to the insurer
or its designated claim representative, and the insurer shall maintain
adequate claim files. All claims shall be settled as soon as possible and in
accordance with the terms of the insurance contract.
    (2)  All claims shall be paid either by draft drawn upon the insurer or by
check of the insurer to the order of the claimant to whom payment of the claim
is due pursuant to the policy provisions, or upon direction of such claimant
to one specified.
    (3)  No plan or arrangement shall be used whereby any person, firm or
corporation other than the insurer or its designated claim representative
shall be authorized to settle or adjust claims. The creditor shall not be
designated as claim representative for the insurer in adjusting claims;
provided, that a group policyholder may, by arrangement with the group
insurer, draw drafts or checks in payment of claims due to the group
policyholder subject to audit and review by the insurer.