2010 Arizona Revised Statutes
Title 20 - Insurance

Chapter 1	GENERAL PROVISIONS
Article 1	Scope of Title
20-101	Department of insurance; "commission" defined
20-102	"Director" defined
20-103	Definition of insurance; exceptions
20-104	"Insurer" defined
20-105	"Person" defined
20-106	Acts constituting the transaction of business; definition
20-107	Limitation on transaction of insurance; exception
20-108	Types of insurers excepted
20-108.01	Extended warranty insurers; deposit with state treasurer; powers and duties; definition
20-109	Existing licenses
20-110	Existing contracts
20-111	Existing forms and filings
20-112	Existing actions or violations
20-113	Construction of particular and general provisions
20-114	Violations; classification
20-115	Department jurisdiction over certain health care providers; exception; examination; disclosure
20-116	Surety bonds; cash deposit as alternative
20-117	Definitions
20-118	Prohibition; definitions
20-119	Charitable gift annuities; audited financial statements; disclosure statement; commissions prohibited; definitions
20-120	Payment bonds for third party intermediary entities; contract provisions; definitions
20-121	State health care exchange; abortion coverage; prohibition; exceptions
Article 2	Administrative Officers and Procedures
20-141	Director of insurance; appointment; term; qualifications; compensation
20-142	Powers and duties of director; payment of examination and investigation costs; home health services
20-143	Rule‑making power
20-144	Seal of office
20-145	Evidentiary effect of certificate of authority
20-146	Supervisor
20-147	Assistant director; chief examiner; appointment; qualifications
20-148	Deputies and other employees; special services
20-149	Prohibition on certain activities by employees; conflict of interest
20-150	Delegation of director's authority
20-151	Issuance of orders and notices by director
20-152	Enforcement
20-153	Records
20-154	Annual report; list of authorized insurers
20-155	Expenses of administration
20-156	Examination of insurers and state compensation fund; financial surveillance fund; definition
20-157	Access and powers relating to insurers' records
20-157.01	Insurer claim files; access by director; definition
20-158	Report of examinations by director; information sharing
20-159	Insurance examiners' revolving fund; definition
20-160	Powers of examination; witnesses; subpoenas; perjury
20-161	Hearings
20-162	Demand for hearing; stay of order
20-163	Notice of hearing
20-164	Procedure upon hearing
20-165	Order on hearing
20-166	Judicial review
20-167	Fees
20-168	Preparation and sale of publications
20-169	Supervision by director
20-170	Prohibited acts during sixty day period of supervision
20-171	Conservatorship; liquidation
20-172	Possession by director of person transacting insurance prior to appointment of receiver; powers of director in possession; stay of possession order; application to title insurance
20-173	Residence requirement; exemption for officer representing insurer
Article 3	Mandated Health Coverage
20-181	Mandated health coverage; report
20-182	Factors for assessing impact; certification of report
20-183	Report procedures and deadlines
Article 4	Payment of Premiums
20-191	Payment of premiums by mail; date of payment
Chapter 2	TRANSACTION OF INSURANCE BUSINESS
Article 1	Authorization of Insurers and General Requirements
20-201	"Alien" insurer defined
20-202	"Charter" defined
20-202.01	Stock insurer's initial free surplus defined
20-202.02	Mutual insurer's minimum required basic surplus defined
20-202.03	Mutual insurer's initial free surplus defined
20-202.04	Reciprocal insurer's required basic surplus defined
20-202.05	Reciprocal insurer's initial free surplus defined
20-203	"Domestic" insurer defined
20-204	"Foreign" insurer defined
20-205	"State," "United States" defined
20-206	Authority to transact insurance
20-207	General qualifications to transact insurance
20-208	Definition of guaranteed investment contract
20-209	Kinds of insurance an insurer may transact
20-210	Minimum required capital stock or basic surplus
20-211	Surplus required
20-212	Funds required to transact additional kinds of insurance
20-213	Deposit requirements
20-214	Financial requirements; escalator provisions
20-215	Application for certificate of authority
20-216	Issuance or refusal of certificate
20-217	Certificate of authority; term; termination; delivery upon termination or revocation
20-218	Name of insurer
20-218.01	Appointment of a statutory agent
20-218.02	Change of known place of business or statutory agent
20-219	Mandatory revocation or suspension
20-220	Certificate of authority; refusal to renew; revocation or suspension; civil penalty
20-221	Director as agent for service of process
20-222	Service of process; time to answer
20-223	Annual statement; payment of fees; penalty for failure to file or pay
20-223.01	Annual report of product liability insurer
20-224	Premium tax
20-224.01	Additional premium tax
20-224.02	Credit for overpayment of tax
20-224.03	Premium tax credit for increased employment in enterprise zones; definition
20-224.04	Premium tax credit for increased employment in military reuse zones; definitions
20-224.05	Premium tax credit for health insurance certificates submitted by qualified persons; definitions
20-224.06	Premium tax credit for contributions to school tuition organization; low-income scholarships
20-224.07	Premium tax credit for contributions to school tuition organization; displaced students and students with disabilities
20-225	Failure to pay tax; penalty
20-226	Exclusive character of premium tax; exception
20-227	Disposition of tax proceeds
20-228	Exemption of insurers from general corporation reports and fees
20-229	Countersignature of insurance producer; exceptions
20-230	Retaliation
20-231	Transfer of domicile
20-232	Junior achievement program; exemption from licensure
20-233	Additional information required of insurer; disclosure to director; violation; classification
20-234	Filing requirement; participation in the insurance regulatory information system
20-235	Insurers; financial disclosure; requirements
20-236	Civil penalty for failure to respond to a request for verification of financial responsibility
20-237	Failure to provide information; penalty
Article 2	Kinds of Insurance; Reinsurance; Limits of Risk
20-251	Definitions not mutually exclusive
20-252	"Casualty insurance" defined
20-253	"Disability insurance" defined
20-254	"Life insurance" defined
20-254.01	"Annuities" defined
20-255	"Marine and transportation insurance" defined
20-256	"Property insurance" defined
20-257	"Surety insurance" defined
20-258	Multiple line insurers
20-259	"Vehicle insurance" defined
20-259.01	Motor vehicle liability policy; uninsured optional; underinsured optional; subrogation; medical payments liens; definitions
20-259.02	Coverage to include car pool operators and car pool vehicles; definitions
20-259.03	Uninsured and underinsured motorist coverages; insured; wrongful death recovery
20-260	Limit of risk
20-261	Authorized reinsurance
20-261.01	Credit for reinsurance
20-261.02	Reduction from liability for reinsurance ceded by a domestic insurer to an assuming insurer
20-261.03	Qualified United States financial institution; definitions
20-261.04	Reinsurance agreements affected
20-262	Motor vehicle insurance policy; reduction of rate for older person completing accident prevention course; course requirements
20-263	Vehicle insurance; prohibited act by insurer; hearing; penalty
20-264	Automobile insurance; damaged safety equipment deductible optional; definition
20-265	Motor vehicle insurance; premium comparisons and complaint ratios
20-266	Minimum liability policy; availability
20-267	Motor vehicle liability policies; monthly basis; fee
20-268	Motor vehicle subrogation
20-270	Residential property insurance; prohibited acts
20-271	Lienholders; proof; accidents; notice; applicability
Article 3	Insurance Producer Licensing
20-281	Definitions
20-282	License required
20-283	Exceptions to insurance producer licensing
20-284	Application for examination
20-285	Application for license
20-286	Licensure; lines of authority
20-287	Nonresident licensing
20-288	Exemption from examination
20-289	Expiration; surrender; renewal
20-289.01	Inactive license or application status during military service
20-290	Insurance producer records; individual licensees
20-291	Service of process on nonresident licensees
20-292	Violation; injunctive relief
20-293	Insurance vending machines
20-294	Temporary licensing
20-295	License denial, suspension or revocation; civil penalty
20-296	Effect of suspension or revocation of license
20-297	Assumed business name; trade name
20-298	Commissions
20-299	Sharing of information
20-300	Reciprocity
20-301	Report of actions
20-302	Rules
Article 3.1	Managing General Agents
20-311	Definition of managing general agent; exceptions; adjustment or payment of claims
20-311.01	Licensing of managing general agents; surety deposit; definition
20-311.02	Requirements for managing general agent agreements
20-311.03	Application of other laws
Article 3.2	Adjusters
20-321	Definition of adjuster; exception
20-321.01	Licensing of adjusters; qualifications; exemption
20-321.02	Application of other laws
Article 3.3	Other Insurance Professionals
20-331	Rental car agents; definitions
20-331.01	Political subdivision employees; risk management consultant licenses; application of other laws
20-332	Self-service storage agents; license; definitions
Article 3.4	Bail Bond Agents and Bail Recovery Agents
20-340	Definitions
20-340.01	Bail bond agents; business entities; place of business; receipt; maintenance of records
20-340.02	Bond of bail bond agents
20-340.03	Bail bond agent prohibitions
20-340.04	Bail recovery agent prohibitions; criminal records checks
20-340.05	Rules
20-340.06	Application of other laws
Article 4	Rates and Rating Organizations
20-341	Purpose of insurance rate regulation
20-342	Scope and application of article
20-343	Definitions
20-344	Uniform plans
20-356	Making of rates
20-357	Filing of rating system; definition
20-358	Disapproval of rates
20-359	Deviations from filed workers' compensation rates
20-361	Licensing of rating organizations
20-362	Notice to director of changes in rating organization
20-363	Availability of services of rating organization to members
20-364	Technical services
20-365	Cooperation in rate making
20-366	Appeal by member or subscriber from action relating to filings
20-367	Workers' compensation appeals board; composition; board termination
20-367.01	Appeals procedure
20-368	Advisory organizations
20-369	Joint underwriting or joint reinsurance
20-370	Examinations of rating organizations
20-371	Rate administration
20-372	Disclosure of information relating to rates
20-373	Commissions and fees
20-374	Revocation and suspension of licenses
20-375	Making of title insurance rates
20-376	Filing of title insurance rates; approval or disapproval
20-377	Justification for title insurance rates
20-378	Disapproval of title insurance filings
20-379	Deviations in title insurance rates
Article 4.1	Open Competition Rates and Rating Organizations
20-381	Definitions
20-382	Scope of application
20-383	Rate standards
20-384	Rating criteria
20-385	Filing of rates
20-386	Filings open to inspection
20-387	Delegation of rate making and rate filing obligations
20-388	Disapproval of rates
20-389	Rate service organizations; license; application
20-390	Advisory organizations; filing with director
20-391	Joint underwriting and joint reinsurance organizations; filing with director
20-392	Rate agreements among insurers prohibited
20-393	Recording and reporting of experience
20-394	Examination of rate service organizations and joint underwriting and joint reinsurance organizations
20-395	Apportionment agreements among insurers
20-396	Hearing and judicial review
20-397	Penalties; exception
20-398	Policy forms; approval or disapproval; exemption
20-399	Payment of dividends
Article 4.2	Compliance With Filed Rates
20-400	Scope of provisions
20-400.01	Unjustified adjustments
20-400.02	Submittal of data comparing premiums charged to filed rates
20-400.03	Penalties
20-400.04	Examinations
20-400.05	Examiners and examination related expenses
20-400.07	Report of examination
20-400.08	Insurance consumer advisory board
20-400.09	Rules
20-400.10	Industrial insureds
Article 5	Unauthorized Insurers
20-401	Definitions
20-401.01	Unlawful transaction of insurance business; exemptions
20-401.02	Violation; cease and desist orders; injunctive relief
20-401.03	Service of process in an action by the director of insurance
20-401.04	Action by attorney general to enforce order or decision of court or director; foreign decrees
20-401.05	Certificate of exemption; definitions
20-401.06	Unauthorized transactions; classification
20-401.07	Premium receipts tax on industrial insureds contracting with unauthorized insurer; definitions
20-402	Validity of contracts
20-403	Service of process in an action by someone other than the director of insurance
20-404	Exemptions
20-405	Prerequisites for participating in court action
20-406	Attorneys' fees in action against insurer
20-407	Surplus lines; brokers
20-408	Report of broker; civil penalty
20-409	Recognized surplus lines
20-410	Validity of surplus lines insurance; disclosure; policy fees
20-411	Licensing of surplus lines broker; examination
20-411.01	Licensing of Mexican insurance surplus lines broker
20-411.02	Nonresident surplus lines broker; remittance of tax on insurance procured out of state
20-412	Acceptance of surplus lines business by broker
20-413	Placing of surplus lines coverage; endorsement by broker; list of unauthorized insurers; removal from list; definition
20-414	Records of surplus lines brokers
20-415	Statement of surplus lines insurance business transacted by broker; reporting periods
20-416	Tax on surplus lines
20-417	Failure to remit tax; civil penalty
20-418	Denial, revocation or suspension of license; civil penalty
20-419	Legal process against surplus lines insurer
20-420	Exemptions from surplus lines provisions
20-421	Access of director to records of person insured by unauthorized insurer
20-422	Alien insurance for coverage in Mexico
Article 6	Unfair Practices and Frauds
20-441	Purpose of article; definition
20-442	Unfair trade practices prohibited
20-443	Misrepresentations and false advertising of policies; false disclosure of compensation
20-443.01	Misrepresentation in sale of insurance; violation; classification
20-443.02	Stranger originated life insurance
20-444	False or deceptive advertising of insurance or status as insurer
20-445	Defamation
20-446	Acts tending to result in unreasonable restraint or monopoly of insurance business
20-447	False financial statements or records
20-448	Unfair discrimination; definitions
20-448.01	Required insurance procedures relating to HIV information; confidentiality; violations; penalties; definitions
20-448.02	Genetic testing; informed consent; definitions
20-449	Rebates on life or disability insurance
20-450	Practices not prohibited as discrimination or rebates in life and disability insurance; wellness programs
20-451	Rebates on other than life or disability insurance
20-452	Prohibited inducements
20-452.01	Designation of particular insurer or person transacting insurance prohibited
20-452.02	Exceptions
20-452.03	Evidence of nonviolation
20-452.04	Investigation by director of alleged violations
20-453	Programs for purchase by policyholders of securities of insurance companies
20-454	Programs for purchase by policyholders of securities of companies not engaged in insurance
20-455	Interlocking ownership or management; multiple directorship
20-456	Cease and desist order for defined or prohibited practices; civil penalty
20-457	Premature disposal of premium notes prohibited
20-458	Fraudulent statement in application; classification
20-459	Deferred dividends; life
20-460	Free choice of insurance producer
20-461	Unfair claim settlement practices
20-462	Timely payment of claims
20-463	Fraud; injunction; penalties; restitution; definitions
20-463.01	Unlawful practices; auto glass repair; policyholders; insurers
20-464	Prohibiting payment for services to persons other than the assignee
20-465	Fees; deposits
20-466	Fraud unit; peace officer status; powers; information sharing duty of insurers
20-466.01	Fraud; classification
20-466.02	Injunction; restitution; civil penalties; costs
20-466.03	Notice of penalty for false or fraudulent claims; claim forms
20-466.04	Referrals to other licensing agencies; definition
20-467	Return premiums; penalties
20-468	Motor vehicle loss; policyholder choice of repair facility
20-469	Motor vehicle loss; choice of glass repair facility
Article 7	Insurance on Collateral Security
20-471	Definition of insurance service charge; limit; prohibited use
20-472	Service charges in connection with insurance on collateral security prohibited when change of ownership
20-473	Obligation of mortgagee to furnish mortgagor copies of insurance policy
20-474	Service charges in connection with insurance on collateral security prohibited when mortgagee procures insurance
20-475	Reasonable requirements of security holder are valid
20-475.01	Insurance on mortgaged property; disclosure of expiration date prohibited; exception
20-476	Violation; classification
Article 8	Insurance Holding Company Systems
20-481	Definitions
20-481.01	Investment limitations; exemptions
20-481.02	Tender offers; required statements; disclosures; approval or disapproval by director
20-481.03	Contents of statement
20-481.04	Statement filed by partnership, corporation or other group
20-481.05	Material change of fact; filing amended statement; time
20-481.06	Use of other statements
20-481.07	Approval and issues; notice; hearings
20-481.08	Appointment of director as agent for service of process; forwarding of process; consent to jurisdiction
20-481.09	Registration of insurers; deadline
20-481.10	Form and content of registration statement; disclosure of information
20-481.11	Exemption for nonmaterial items
20-481.12	Standards
20-481.13	Material changes; amended statement; time; reporting of dividends
20-481.14	Termination of registration
20-481.15	Consolidated registration by affiliates
20-481.16	Alternative registration for an affiliate
20-481.17	Exemption by director
20-481.18	Disclaimer of affiliation or control; contents; effect on duty to register
20-481.19	Extraordinary dividend or distribution; time; notice; definition; approval by director
20-481.20	Examination of registered insurers; powers; limits; expense
20-481.21	Confidential records; consent to release; release without consent; information sharing
20-481.22	Power to make rules
20-481.23	Violations
20-481.24	Adequacy of surplus
20-481.25	Acquisitions involving insurers not otherwise covered; anticompetitive considerations; civil penalty; definitions
20-481.26	Penalties; cease and desist order; violations; classification
20-481.27	Recovery; liability
20-481.28	Insurer's license; revocation; suspension; nonrenewal
20-481.29	Injunctions; prohibitions against voting securities; sequestration of voting securities
20-481.30	Judicial review; special action
Article 9	Insurance Administrators
20-485	Definitions; scope
20-485.01	Written agreement; provisions; maintenance of records
20-485.02	Administrator as intermediary between insurer and insured; right of action preserved
20-485.03	Maintenance of records; access; confidentiality; information sharing; examination
20-485.04	Advertising; approval
20-485.05	Inclusion of underwriting standards
20-485.06	Charges or premiums collected held in fiduciary capacity; establishment of account; disbursements
20-485.07	Payment of claims on behalf of insurer
20-485.08	Delivery of written communications
20-485.09	Adjustment or settlement of claims; compensation
20-485.10	Deposit or surety bond of administrators; amount; purpose
20-485.11	Notice to insureds; statement of charge or premium for coverage; conflict of interest prohibited
20-485.12	Certificate of registration; fees; expiration; revocation; civil penalties; violation; classification; injunctive relief; exemption
Article 10	Reinsurance Intermediaries
20-486	Definitions; director's list
20-486.01	Licensure of reinsurance intermediaries
20-486.02	Required contract provisions; reinsurance intermediary brokers
20-486.03	Books and records; reinsurance intermediary brokers
20-486.04	Duties of insurers utilizing the services of a reinsurance intermediary broker
20-486.05	Required contract provisions; reinsurance intermediary managers
20-486.06	Books and records; reinsurance intermediary managers
20-486.07	Prohibited acts; reinsurance intermediary managers
20-486.08	Duties of reinsurers utilizing the services of a reinsurance intermediary manager
20-486.09	Examination authority
20-486.10	Penalties and liabilities
20-486.11	Adoption of rules
Article 11	Producer Controlled Property and Casualty Insurance
20-487	Definitions
20-487.01	Applicability
20-487.02	Minimum standards
20-487.03	Disclosure
20-487.04	Penalties
Article 12	Risk-Based Capital for Insurers
20-488	Definitions
20-488.01	Risk‑based capital reports
20-488.02	Company action level event
20-488.03	Regulatory action level event
20-488.04	Authorized control level event
20-488.05	Mandatory control level event
20-488.06	Hearings
20-488.07	Confidentiality; information sharing
20-488.08	Supplemental provisions; rules; exemption
20-488.09	Foreign insurers
20-488.10	Notice
20-488.11	Immunity
Article 13	Violent Crime Control and Law Enforcement Act
20-489	Violent crime control and law enforcement act; insurance business; rules
Article 14	Enforcement of Insurance Policies Affecting Certain Holocaust Victims
20-490	Definitions
20-490.01	Suspension of limitations period
20-490.02	Enforcement; civil penalty
Chapter 3	FINANCIAL PROVISIONS AND PROCEDURES
Article 1	Assets and Liabilities
20-501	Eligible assets
20-502	Assets as deductions from liabilities
20-503	Assets not allowed as deductions from liabilities
20-504	Reporting assets not allowed
20-505	Liabilities
20-506	Unearned premium reserve
20-507	Unearned premium reserve for marine insurance
20-508	Reserves for disability insurance
20-509	Increase of inadequate reserves
20-510	Standard valuation law; definition
20-511	Valuation of bonds; limitation
20-512	Valuation of other securities
20-512.01	Valuation of joint ventures, partnerships and limited liability companies
20-513	Valuation of real and personal property
20-514	Valuation of purchase money mortgages
20-515	Valuation of assets held in separate accounts
20-516	Reserve standards
20-517	Report of acquisitions and dispositions
20-518	Acquisitions and dispositions of assets
20-519	Nonrenewals, cancellations or revisions of ceded reinsurance agreements
Article 2	Investments
20-531	Scope of article
20-532	Eligible investments
20-533	Qualification of securities or property as eligible investments
20-534	Approval of investment
20-535	Limitation on percentage of assets invested with single person; exception
20-536	Investments; type; limitations
20-536.01	Separate accounts
20-537	Investment of funds in United States obligations; accounting
20-538	Securities of states, territories, counties, municipalities, school districts, political subdivisions, public districts or civil divisions thereof
20-539	Federally guaranteed loans
20-540	Governmental revenue bonds and obligations; limitation; definitions
20-541	Improvement district obligations
20-543	Acceptances and bills of exchange
20-544	Corporate obligations
20-545	Preferred, guaranteed or preference stock
20-546	Common stocks
20-547	Equipment trust certificates
20-548	Obligations of receivers or trustees
20-549	Investments not otherwise authorized; limitations; appraisal; cost
20-550	Policy loans
20-551	Investments or deposits in financial institutions
20-552	Foreign securities
20-553	Mortgages on real estate; definitions
20-554	Purchase money mortgages
20-555	Security agreements; definition
20-556	Real property
20-557	Second mortgages
20-558	Investment company or trust; mutual funds
20-559	Investments of foreign and alien insurers
20-561	Collateral loans
20-562	Insurer investments; partnerships; limited liability companies; limitations
Article 3	Administration of Deposits
20-581	Deposits of insurers
20-582	Purpose of deposits
20-583	Assets eligible for deposit
20-584	Trust companies as depositaries
20-585	Responsibility of state for safekeeping of deposits
20-586	Rights of insurer during solvency
20-587	Excess deposits
20-588	Release of deposits
20-589	Levy upon deposits prohibited; exception
Article 4	Rehabilitation and Liquidation
20-611	Definitions
20-612	Delinquency proceedings; jurisdiction; venue; nature of remedy; appeal
20-613	Commencement of delinquency proceedings
20-614	Injunctions
20-615	Grounds for rehabilitation of domestic insurers
20-616	Grounds for liquidation
20-617	Grounds for conservation of foreign insurers
20-618	Grounds for conservation of alien insurers
20-619	Grounds for ancillary liquidation of foreign insurers
20-620	Order of rehabilitation; termination
20-621	Order of liquidation of domestic insurers
20-622	Order of liquidation of alien insurers
20-623	Order of conservation or ancillary liquidation of foreign or alien insurers
20-623.01	Conduct of all delinquency proceedings
20-624	Conduct of delinquency proceedings against domestic and alien insurers
20-625	Conduct of delinquency proceedings against foreign insurers
20-626	Claims of nonresidents against domestic insurers
20-627	Claims against foreign insurers
20-628	Proof of claims; notice; hearing
20-629	Priority of distribution; definition
20-630	Attachment and garnishment of assets
20-631	Uniform insurers liquidation act
20-632	Deposit of monies collected
20-634	Borrowing on pledge of assets
20-635	Rights and liabilities fixed as of date liquidation order filed
20-636	Voidable transfers
20-638	Offsets
20-639	Allowance of certain claims
20-640	Time to file claims
20-641	Report for assessment
20-642	Levy of assessment
20-643	Order to pay assessment
20-644	Publication and service of assessment order
20-645	Judgment upon assessment
20-646	Cooperation with Arizona property and casualty insurance guaranty fund and life and disability insurance guaranty fund
20-647	Giving guaranty fund or association immediate access to assets
20-648	Receivership liquidation fund; purpose; deposit; expenses of receivership; deputy receiver; powers and duties
20-649	Extension of time
20-650	Recovery of shareholder liability
Article 5	Separate Accounts
20-651	Establishment of separate accounts; income, gains and losses; variable benefits; requirements; reserves
Article 6	Administration of Insolvency
20-661	Definitions
20-662	Insurance guaranty fund
20-663	Guaranty fund board; composition; compensation
20-664	Powers and duties of the board
20-665	Plan of operation
20-666	Assessments; notification; exemptions; setoffs; refunds
20-667	Obligations of the fund
20-668	Powers and duties of the director
20-669	Examination of member insurer; costs; release of report
20-670	Meetings; information; subpoena power; confidentiality
20-671	Special meetings closed
20-672	Effect of paid claims
20-673	Nonduplication of recovery; exhausting all other applicable coverages; rights of fund and member insurer; definition
20-674	Premium tax offset
20-675	Immunity and indemnification
20-676	Stay of proceedings
20-677	Interest
20-678	Examination of the fund; annual report
20-679	Limitation on filing of creditor's claims
20-680	Exempt types of insurance
Article 7	Administration of Life and Disability Insurance Insolvencies
20-681	Definitions
20-682	Scope of article
20-683	Life and disability insurance guaranty fund
20-684	Guaranty fund board; meetings; definition
20-685	Powers and duties of the board
20-686	Assessments
20-687	Plan of operation
20-688	Duties and powers of the director
20-689	Prevention of impairments
20-690	Financial provisions; definition
20-691	Examination of the fund; annual report
20-692	Premium tax offset
20-693	Immunity
20-694	Stay of proceedings; reopening default judgments
20-695	Statute of limitations
Article 8	Life and Health Actuarial Opinion and Memorandum Requirements
20-696	Scope of article
20-696.01	Definitions
20-696.02	General requirements; statement of actuarial opinion; qualified actuary; appointed actuary; analysis
20-696.03	Statement of actuarial opinion based on an asset adequacy analysis
20-696.04	Description of actuarial memorandum including an asset adequacy analysis and regulatory asset adequacy issues summary
Article 9	Property and Casualty Actuarial Opinion Requirements
20-697	Property and casualty actuarial opinions; limitation of liability
20-697.01	Confidentiality; sharing of information
Article 10	Audited Financial Reports
20-698	Annual audited financial reports
20-698.01	Rule making; exemption from rule making procedures
Chapter 4	PARTICULAR TYPES OF INSURERS
Article 1	Domestic Stock and Mutual Insurers
20-701	Scope of article
20-702	"Mutual" insurer defined
20-703	"Stock" insurer defined
20-704	Applicability of general corporation laws
20-705	Articles of incorporation
20-706	Filing, recording and publication of articles; appointment of agent to receive process; issuance of certificate
20-707	Amendment of articles
20-708	Limited stock insurers
20-709	Formation of mutual insurer; applications for insurance
20-710	Formation of mutuals; trust deposit of premiums; issuance of policies
20-711	Initial qualification of domestic mutual insurers
20-712	Additional kinds of insurance authorized to be issued by mutual insurer
20-713	Bylaws of mutual insurer
20-714	Quorum of members of mutual insurer
20-715	Membership in mutual insurer
20-716	Rights of mutual insurer member
20-717	Contingent liability of mutual insurer members
20-718	Enforcement of contingent liability
20-719	Issuance of nonassessable policies by mutual insurers
20-720	Revocation of authority to issue nonassessable policies
20-721	Participating policies
20-722	Stock dividends
20-723	Dividends to mutual policyholders
20-724	Illegal dividends; classification
20-725	Borrowed surplus
20-726	Prohibited interests of officers and directors in certain transactions
20-726.01	Insider trading by officers, directors and principal stockholders
20-727	Management and exclusive agency contracts
20-728	Impairment of capital or assets
20-729	Conversion of stock insurer to mutual insurer
20-730	Conversion of mutual insurer to stock insurer
20-731	Merger or consolidation of stock insurers; hearings; notice
20-732	Acceptance of reinsurance by stock insurers; definition
20-733	Merger or consolidation of mutual insurers
20-734	Acceptance of reinsurance by mutual insurers
20-735	Distribution of assets of mutual insurer upon liquidation
20-736	Transfer of direct obligations; assignment; notice; findings; approval; applicability
Article 2	Reciprocal Insurers
20-761	"Reciprocal" insurance defined
20-762	"Reciprocal insurer" defined
20-763	Scope of article
20-764	Compliance by existing insurers
20-765	Powers of reciprocal insurers
20-766	Name of insurer; designation by name as party in action
20-767	Attorney‑in‑fact of reciprocal insurers
20-768	Required surplus funds
20-769	Organization of reciprocal insurer
20-770	Certificate of authority
20-771	Power of attorney
20-772	Modifications of agreement
20-773	Bond of attorney
20-774	Deposit in lieu of bond of attorney
20-775	Action on bond
20-776	Service of legal process; liabilities under judgment on such service
20-777	Annual statement
20-778	Contributions to insurer
20-779	Financial condition; determination
20-780	Subscribers
20-781	Subscribers' advisory committee
20-782	Subscriber's liability
20-783	Liability of subscriber on judgment against insurer
20-784	Assessments
20-785	Time limit for assessment
20-786	Limitation on liability
20-787	Nonassessable policies
20-788	Distribution of savings
20-789	Subscriber's share in assets
20-790	Merger or conversion
20-791	Impaired reciprocal insurers
20-792	Ownership of real property
Article 3	Hospital, Medical, Dental and Optometric Service Corporations
20-821	Scope of article; rules; authority of director
20-822	Definitions
20-823	Incorporation of hospital, medical, dental and optometric service corporations
20-824	Application for certificate; fee
20-825	Certificate of authority; requirements
20-825.01	Minimum capital or surplus required; application
20-826	Subscription contracts; definitions
20-826.01	Hospital or medical service corporations; clinical trials; cancer; definitions
20-826.02	Subscription contracts; varying copayments and deductibles allowed
20-826.03	Eosinophilic gastrointestinal disorder; formula
20-826.04	Subscription contracts; autism spectrum disorder; coverage; exceptions; definitions
20-827	Participating health care professionals; definition
20-828	Deposit for protection of members
20-829	Directors
20-830	Expenses and investments
20-831	Annual statement; examination
20-832	Limitation on salaries
20-833	Relationship of health care professional and patient; financial incentives; definition
20-834	Dissolution; unfair practices
20-835	Judicial review of decisions of director
20-836	Limitation on liability
20-837	Tax exemption; exceptions
20-838	Subscribers and employees exempt from corporate indebtedness
20-839	Exemption of certain hospital plans
20-840	Continuation of existing certificates, licenses and rights
20-841	Prohibiting denial of certain contract benefits
20-841.01	Prohibiting denial of chiropractic contract benefits; direct reimbursement
20-841.02	Prohibiting denial of psychologist contract benefits
20-841.03	Prohibiting denial of contract benefits; nurses; reimbursement
20-841.04	Standing referrals to network health care professionals; definition
20-841.05	Prescription drug formulary; definitions
20-841.06	Continuity of care; definition
20-841.07	Medical supplies
20-841.08	Prohibiting denial of occupational or physical therapist contract benefits
20-842	Prohibition against excluding coverage because of previous tests for a condition
20-843	Eligibility; prohibiting cancellation because of eligibility for certain benefits
20-844	Right to open enrollment period; subscribers; definition
20-845	Suspension or revocation of certificate of authority; civil penalties
20-846	Individual health insurance policies; mandatory coverage exemption; definitions
20-847	Contracts; dentists; covered services; definition
Article 4	Fraternal Benefit Societies
20-861	Definitions
20-862	Lodge system
20-863	Representative form of government
20-864	Purposes and powers
20-865	Qualifications for membership
20-866	Location of office; publications; grievance procedure
20-867	Exemption from liability
20-868	Waiver
20-869	Organization
20-870	Amendment to society laws
20-871	Authority to maintain institutions
20-872	Reinsurance
20-873	Consolidation or merger
20-874	Conversion of fraternal benefit society to mutual life insurance company
20-875	Benefits
20-876	Beneficiaries
20-877	Benefits not attachable
20-878	Benefit contract
20-879	Nonforfeiture benefits, cash surrender value, certificate loans and other options
20-880	Investments
20-881	Funds
20-882	Applicable insurance provisions
20-883	Tax exemption; exception
20-884	Valuation
20-885	Reports
20-886	Certificate of authority; termination
20-887	Examination of societies; limitation on disclosure
20-888	Admission of foreign or alien societies
20-889	Injunction; delinquency or dissolution proceedings
20-890	Licensing of insurance producers
20-891	Unfair acts and practices
20-892	Violation; classification
20-893	Exemption of societies from insurance laws
Article 7	Prepaid Dental Plan Organizations
20-1001	Definitions
20-1002	Establishment of prepaid dental plan organizations
20-1003	Application for certificate of authority
20-1004	Issuance of certificate of authority
20-1005	Deposit requirement; exception
20-1006	Reserve requirement; exception
20-1006.01	Risk-based capital requirements; minimum capital and surplus
20-1007	Membership coverage by prepaid dental plan organizations
20-1008	Examination of prepaid dental plan organization
20-1009	Annual report to director
20-1010	Taxes
20-1011	Operational expenses
20-1012	Prohibited practices
20-1013	Regulation of agents
20-1014	Examination
20-1015	Suspension or revocation of certificate of authority; civil penalties
20-1016	Rehabilitation, liquidation or conservation of prepaid dental plan organization
20-1018	Advertising matter or sales materials
20-1019	Order of benefit determination for dental care
Article 8	Lloyd's Associations
20-1021	Lloyd's association defined
20-1022	Forms of insurance authorized
20-1023	"Attorney" defined; office
20-1024	Application for license; contents
20-1025	Surplus required
20-1026	Reserves for liabilities and losses
20-1027	Liability of underwriters; limitation
20-1028	Liability of additional or substituted underwriters; authority of deputy, substitute or successor attorney
20-1029	Division of profits
20-1030	Actions on policies or insurance contracts; process; judgments; costs
20-1031	Deposit required of Lloyd's association
20-1032	Revocation of license
20-1033	Laws applicable to Lloyd's association
Article 9	Health Care Services Organizations
20-1051	Definitions
20-1052	Establishment of health care services organizations
20-1052.01	Establishment of provider sponsored health care services organizations; rules; limitations
20-1053	Application for certificate of authority
20-1054	Issuance of certificate of authority
20-1055	Deposit requirement
20-1056	Reserve requirement; exception
20-1057	Evidence of coverage by health care services organizations; renewability; definitions
20-1057.01	Standing referrals to network health care professionals; definition
20-1057.02	Prescription drug formulary; definitions
20-1057.03	Chiropractic care; definitions
20-1057.04	Continuity of care; definition
20-1057.05	Medical supplies
20-1057.06	Prior authorization
20-1057.07	Health care services organizations; clinical trials; cancer; definitions
20-1057.08	Prescription contraceptive drugs and devices; definition
20-1057.09	Health care services organizations; varying copayments and deductibles allowed
20-1057.10	Eosinophilic gastrointestinal disorder; formula
20-1057.11	Health care services organizations; autism spectrum disorder; coverage; exceptions; definitions
20-1057.12	Contracts; dentists; covered services; definition
20-1058	Examination of health care services organizations
20-1059	Annual report to director
20-1059.01	Admitted assets; health care delivery assets
20-1060	Taxes; exemption
20-1061	Prohibited practices; definition
20-1062	Regulation of agents
20-1063	Powers of insurers and hospital and medical service corporations
20-1064	Examination
20-1065	Suspension or revocation of certificate of authority; civil penalties
20-1066	Rehabilitation, liquidation or conservation of health maintenance organization
20-1068	Statutory construction and relationship to other laws
20-1069	Contingency for insolvency; plan; contents; definition
20-1069.01	Right to open enrollment period; enrollees; definitions
20-1070	Acquisitions and mergers
20-1071	Prohibition against excluding coverage because of previous tests for a condition
20-1072	Nonliability of enrollees for provider or hospital charges; penalty
20-1073	Eligibility; prohibiting cancellation because of eligibility for certain benefits
20-1074	Contract termination; duty to report; provision for continued services during insolvency; definitions
20-1075	Transactions with affiliates
20-1076	Health care plans; disclosure form; enrollee notification
20-1077	Use of freestanding urgent care centers; policies
20-1078	Rules
20-1079	Individual health insurance policies; mandatory coverage exemption; definitions
Article 10	Domestic Life and Disability Reinsurer
20-1081	Domestic life and disability reinsurer
20-1082	Definitions
20-1083	Law applicable to domestic life and disability reinsurers
20-1084	Articles of incorporation
20-1085	Capital
20-1086	Surplus
20-1087	Deposits
20-1088	Limit of risk
20-1089	Certificates of authority
20-1090	Reorganization; limitation
20-1091	Transfers to this article
20-1092	Control of assets; definition
20-1093	Reciprocity
20-1094	Approval of reinsurance agreements
20-1094.01	Reserve requirements
Article 11	Service Companies
20-1095	Definitions
20-1095.01	Service companies; permits; rules and regulations; application of laws
20-1095.02	Exemptions; definition
20-1095.03	Qualifications for permit
20-1095.04	Filing of cash, alternatives to cash or surety bond
20-1095.05	Contracts not in compliance; validity
20-1095.06	Approval of motor vehicle service contract program; requirements for approval
20-1095.07	Notification to director of intent to sell contract; sale of unapproved contract; violation; classification
20-1095.08	Nonrenewal, revocation or suspension of permit
20-1095.09	Unfair trade practices; violation of article; cease and desist order
20-1095.10	Scope and limitations of article
Article 12	Mechanical Reimbursement Reinsurers
20-1096	Definitions
20-1096.01	Formation of mechanical reimbursement reinsurer; articles of incorporation
20-1096.02	Capital
20-1096.03	Surplus
20-1096.04	Qualifications
20-1096.05	Annual reports; renewal of certificate of authority
20-1096.06	Filing of cash or alternatives to cash
20-1096.07	Reserves
20-1096.08	Nonrenewal, revocation or suspension of certificate of authority
20-1096.09	Cease and desist order; violation of article
20-1096.10	Rules and regulations
20-1096.11	Scope and limitations of article
Article 13	Prepaid Legal Insurance
20-1097	Definitions
20-1097.01	Exceptions
20-1097.02	Certificate of authority; requirements; issuance
20-1097.03	Deposit required
20-1097.04	Prepaid legal insurance contract provisions
20-1097.05	Prepaid legal insurance contracts; rates
20-1097.06	Contracts for underwriting
20-1097.07	Fees and taxes
20-1097.08	Advertising and solicitation of legal services
20-1097.09	Liability of corporation; civil penalty
20-1097.10	Capital, surplus and reserve requirements
20-1097.11	Assets; valuation; reporting
20-1097.12	Annual statement and information; penalty
20-1097.13	Suspension or revocation of authorization or registration; appeal; civil penalty; rules
Article 14	Captive Insurers
20-1098	Definitions
20-1098.01	Licensing; authority
20-1098.02	Names of companies
20-1098.03	Minimum capital and surplus; letter of credit; borrowed surplus
20-1098.04	Formation of captive insurers; redomestication
20-1098.05	Protected cell captive insurers
20-1098.06	Protected cell captive insurers; sponsors; participants
20-1098.07	Annual report
20-1098.08	Examinations
20-1098.09	Grounds and procedures for license suspension or revocation
20-1098.10	Legal investments
20-1098.11	Reinsurance
20-1098.12	Rating organization; exemption
20-1098.13	Associations; benefits; prohibitions
20-1098.14	Rules
20-1098.15	Applicability
20-1098.16	Captive manager
20-1098.17	Effect of fees payment
20-1098.18	Captive insurance regulatory and supervision fund; purpose
20-1098.19	Establishment of branch captive insurer
20-1098.20	Security for branch business and branch operations
20-1098.21	Branch captive insurer reports
20-1098.22	Change in plan of operations
20-1098.23	Confidentiality of information; exceptions
Article 15	Vehicle Protection Products
20-1099	Definitions
20-1099.01	Vehicle protection products; exemption from insurance code
20-1099.02	Exemption from insurance code; requirements
Chapter 5	THE INSURANCE CONTRACT
Article 1	In General
20-1101	Scope of article
20-1102	"Policy" defined
20-1103	"Premium" defined
20-1104	Insurable interest with respect to personal insurance; definition
20-1105	Insurable interest with respect to property insurance
20-1106	Capacity to contract for insurance; minors
20-1107	Application for insurance
20-1108	Admissibility of application as evidence
20-1109	Statements as representation; effect of misrepresentation upon policy
20-1110	Approval of forms
20-1110.01	Rules and regulations; form and readability of policies
20-1111	Grounds for disapproval of forms
20-1112	Standard provisions
20-1113	Contents of policy
20-1114	Incorporation of charter or bylaw into policy
20-1115	Void policy restrictions
20-1116	Execution of policies
20-1117	Underwriters' and combination policies
20-1118	Validity of noncomplying forms
20-1119	Construction of policies
20-1120	Binders
20-1121	Renewal of policy by certificate or endorsement
20-1122	Assignment of policies
20-1123	Annulment of liability policies
20-1123.01	Motor vehicle liability insurance; primary and excess coverage
20-1124	Discharge of insurer by payment under policy
20-1125	Discharge of payor by payment of benefits under employee benefit plan or life insurance policy
20-1127	Simultaneous deaths
20-1128	Rights of spouse in life or disability policy
20-1129	Furnishing of proof of loss forms by insurer
20-1130	Administration of claim against insurer not deemed waiver of defense
20-1131	Exemption of life insurance proceeds and cash values from creditors
20-1132	Exemption of group life insurance proceeds from creditors; exception
20-1133	Medicare supplement insurance; applicability
20-1134	Coordination of benefits
20-1135	Prohibition against excluding coverage because of previous tests for a condition
20-1136	Accelerated payments of certain benefits in life insurance policies
20-1137	Limited benefit coverage; prohibited practice; definition
Chapter 6	PARTICULAR TYPES OF INSURANCE
Article 1	Life Insurance and Annuities
20-1201	Scope of article
20-1202	Standard provisions required in life insurance policies
20-1203	Grace period
20-1204	Incontestability
20-1205	Application and policy as entire contract; statements in application as representations; information
20-1206	Misstatement of age
20-1207	Dividends
20-1208	Policy loan on old policies
20-1209	Policy loan on new policies
20-1209.01	Maximum rate of interest on policy loans; definitions
20-1210	Nonforfeiture options in old policies
20-1212	Table of installments
20-1213	Reinstatement
20-1214	Payment of premiums
20-1215	Payment of claims
20-1216	Policy title
20-1217	Excluded or restricted coverage
20-1218	Standard provisions required in annuity and pure endowment contracts
20-1219	Grace period in annuities
20-1220	Incontestability in annuities
20-1221	Application and contract as entire contract in annuities
20-1222	Misstatement of age in annuities
20-1223	Dividends on annuities
20-1224	Reinstatement of annuities
20-1225	Standard provisions required in reversionary annuities
20-1226	Limitation of liability
20-1227	Incontestability after reinstatement
20-1228	Policy settlements
20-1229	Authorized deductions from insurance proceeds
20-1230	Prohibition of dual or multiple pay policies
20-1231	Standard nonforfeiture law for life insurance
20-1231.01	Standard nonforfeiture law for life insurance; table for calculating adjusted premiums
20-1232	Standard nonforfeiture law for individual deferred annuities
20-1233	Free look; annuity contracts
Article 1.1	Replacement of Life Insurance Policies and Annuity Contracts
20-1241	Definitions
20-1241.01	Scope of article
20-1241.02	Policy summary requirements
20-1241.03	Duties of insurance producers
20-1241.04	Duties of insurers that use insurance producers
20-1241.05	Duties of replacing insurers that use insurance producers
20-1241.06	Duties of existing insurer
20-1241.07	Duties of insurers with respect to direct response solicitations
20-1241.08	Violations; penalties; intent
20-1241.09	Rules; exemption from rule making procedures
Article 1.2	Annuity Disclosure
20-1242	Definitions
20-1242.01	Applicability and scope
20-1242.02	Standards for the disclosure document and buyer's guide
20-1242.03	Report to contract owners
20-1242.04	Penalties
20-1242.05	Rules; exemption from rule making procedures
Article 1.3	Protection in Annuity Transactions
20-1243	Definitions
20-1243.01	Scope and limitation of article
20-1243.02	Exemptions
20-1243.03	Duties of insurers and insurance producers
20-1243.04	Standards for supervision
20-1243.05	Mitigation of responsibility; director orders
20-1243.06	Record keeping
Article 2	Group Life Insurance and Group Annuity Contracts
20-1251	Requirements for group contracts
20-1251.01	Credit union groups
20-1252	Employee groups
20-1253	Debtor groups
20-1254	Labor union groups
20-1255	Trustee groups
20-1256	Association groups
20-1257	Coverage of dependents; definition
20-1258	Standard provisions required in group life insurance policies
20-1259	Grace period
20-1260	Incontestability
20-1261	Attachment of application to policy; statements of persons insured as representations
20-1262	Right to require evidence of individual insurability
20-1263	Misstatement of age
20-1264	Beneficiary
20-1265	Individual certificates
20-1266	Conversion on termination of eligibility
20-1267	Conversion on termination of policy
20-1268	Death pending conversion
20-1269	Notice of conversion right
20-1270	Standard provisions required in group annuity contracts
20-1271	Grace period in group annuity contracts
20-1272	Documents constituting entire group annuity contract
20-1273	Misstatements in group annuity contracts
20-1274	Nonforfeiture benefits in group annuity contract
20-1275	Group annuity contract certificates
20-1276	"Employee life insurance" defined
20-1277	Assignability of group life insurance
Article 3	Industrial Life Insurance
20-1301	Scope of article
20-1302	Required provisions
20-1303	Grace period
20-1304	Application and policy as entire contract; statements of applicant as representations
20-1305	Incontestability
20-1306	Misstatement of age
20-1307	Dividends
20-1308	Nonforfeiture benefits
20-1309	Reinstatement
20-1310	Settlement
20-1311	Authority to alter contract
20-1312	Beneficiary; change of beneficiary; payment
20-1313	Direct payment of premiums
20-1314	Conversion of weekly premium policies
20-1315	Conversion of monthly premium policies
20-1316	Title of policy
20-1317	Provisions inapplicable to single premium or term policies
20-1318	Prohibited provisions
Article 4	Disability Insurance
20-1341	Scope of article
20-1342	Scope and format of policy; definitions
20-1342.01	Handicapped children
20-1342.02	Disapproval of disability policy form
20-1342.03	Disability insurance; clinical trials; cancer; definitions
20-1342.04	Disability insurance policies; varying copayments and deductibles allowed
20-1342.05	Eosinophilic gastrointestinal disorder; formula
20-1342.06	Contracts; dentists; covered services; definition
20-1343	Policies issued for delivery in another state
20-1344	Policy provisions required; omissions; substitutions
20-1345	Policy and attachments as entire contract; changes in policy
20-1346	Time limit on defenses
20-1347	Grace period
20-1348	Reinstatement
20-1349	Notice of claim
20-1350	Claim forms
20-1351	Proofs of loss
20-1352	Time for payment of claims
20-1353	Payment of claims
20-1354	Physical examination; autopsy
20-1355	Legal actions
20-1356	Change of beneficiary
20-1357	Optional policy provisions
20-1358	Change of occupation
20-1359	Misstatement of age
20-1360	Other insurance in this insurer
20-1361	Insurance with other insurers; provision of service or expense incurred basis
20-1362	Insurance with other insurers
20-1363	Relation of earnings to insurance
20-1364	Unpaid premium
20-1365	Cancellation
20-1366	Conformity with statutes
20-1367	Illegal occupation
20-1368	Intoxicants and narcotics
20-1369	Arrangement of provisions in policy
20-1370	Third party ownership
20-1371	Policy provision requirements of other jurisdictions
20-1372	Effect of policy containing nonconforming provisions
20-1373	Age limit
20-1374	Effective date of provisions; moratorium
20-1375	Franchise disability insurance law
20-1376	Prohibiting denial of certain contract benefits
20-1376.01	Prohibiting denial of chiropractic contract benefits; direct reimbursement
20-1376.02	Prohibiting denial of psychologist contract benefits
20-1376.03	Prohibiting denial of contract benefits; nurses; reimbursement
20-1376.04	Prohibiting denial of occupational or physical therapist contract benefits
20-1377	Continuation of coverage under individual policies; requirements; exceptions; renewability
20-1378	Eligibility; prohibiting cancellation because of eligibility for certain benefits
20-1379	Guaranteed availability of individual health insurance coverage; prior group coverage; definitions
20-1380	Guaranteed renewability of individual health coverage
20-1381	Suspension of health care insurer obligation to issue coverage on a guaranteed issuance basis to eligible individuals
20-1382	Health care insurers; reporting requirements
20-1383	Individual health insurance policies; mandatory coverage exemption; definitions
Article 5	Group and Blanket Disability Insurance
20-1401	Eligible groups
20-1401.01	Group disability insurers; notice; copies
20-1402	Provisions of group disability policies; definitions
20-1402.01	Group disability insurance; clinical trials; cancer; definitions
20-1402.02	Eosinophilic gastrointestinal disorder; formula
20-1402.03	Group disability insurers; autism spectrum disorder; coverage; exceptions; definitions
20-1402.04	Contracts; dentists; covered services; definition
20-1403	Direct payment of hospital and medical services
20-1404	Blanket disability insurance; definitions
20-1404.01	Blanket disability insurance; clinical trials; cancer; definitions
20-1404.02	Eosinophilic gastrointestinal disorder; formula
20-1404.03	Blanket disability insurers; autism spectrum disorder; coverage; exceptions; definitions
20-1404.04	Contracts; dentists; covered services; definition
20-1405	Provisions of group and blanket disability policy
20-1406	Prohibiting denial of certain contract benefits
20-1406.01	Prohibiting denial of chiropractic contract benefits; direct reimbursement
20-1406.02	Prohibiting denial of psychologist contract benefits
20-1406.03	Prohibiting denial of contract benefits; nursing; reimbursement
20-1406.04	Prohibiting denial of occupational or physical therapist contract benefits
20-1407	Handicapped children
20-1408	Right to obtain individual policy; requirements; exceptions; definition
20-1409	Right to open enrollment period; insureds; definition
20-1410	Mail order prescription drugs; prohibition
20-1411	Eligibility; prohibiting cancellation because of eligibility for certain benefits
20-1412	Group and blanket disability insurance policies or contracts; varying copayments and deductibles allowed
Article 7	Property Insurance
20-1501	Scope of article
20-1502	"Fire insurance" defined
20-1503	Arizona standard fire policy
20-1504	Variations from standard policy format and page numbers
20-1505	Policy description of insurer
20-1506	Provisions required by charter or laws of other states
20-1507	Riders; endorsements; additional perils
20-1508	Designation as standard policy; producer's name
20-1509	Loss or damage caused by nuclear reaction, or nuclear radiation or radio‑active contamination not covered by Arizona standard fire policy
Article 8	Surety Insurance
20-1531	Sole surety on official bonds
20-1532	Venue of actions against surety insurers
20-1533	Surety companies; arrest bond certificates issued by motor clubs; definition
20-1534	Guaranteed arrest bond certificate; cash bail or other bond; forfeiture
Article 8.1	Mortgage Guaranty Insurance
20-1541	Definitions
20-1542	Capital and surplus
20-1543	Limitation on geographic concentration
20-1544	Limitation on advertising
20-1545	Limitation on investment
20-1546	Limitation on coverage
20-1547	Mortgage guaranty insurance as monoline
20-1548	Underwriting discrimination
20-1549	Policy forms and premium rates filed
20-1550	Minimum policyholder position; definitions
20-1551	Rebates, commissions and charges
20-1552	Compensating balances prohibited
20-1553	Conflict of interest
20-1554	Unearned premium reserve
20-1555	Loss reserve
20-1556	Contingency reserve
20-1556.01	Premium deficiency reserve
20-1557	Reinsurance
20-1558	Miscellaneous reserves
20-1559	Mortgage guaranty insurers; dividend payment
20-1560	Examinations; rules
Article 9	Title Insurers
20-1561	Law governing title insurers
20-1562	Definitions
20-1563	Qualifications
20-1564	Investments
20-1565	Additional powers
20-1566	Taxation of title insurers
20-1567	Determination of insurability required
20-1568	Unearned premium reserve
20-1569	Amount of unearned premium reserve; release
20-1570	Maintenance of the unearned premium reserve
20-1571	Use of the unearned premium reserve on liquidation, dissolution or insolvency
20-1572	Reserve for unpaid losses and loss expense
20-1573	Net retained liability
20-1574	Power to reinsure
20-1575	Foreign title insurers; resident agent required
20-1576	Mergers and consolidations of title insurers
20-1577	Corporate acquisitions other than by merger or consolidation
20-1578	Purchase or acquisition of controlling stock
20-1580	Title insurance agents to be licensed
20-1581	Title insurance agents; books; records; revocation of license
20-1582	Title insurance agents; replies to inquiries by director
20-1583	Title insurance agents; certain names prohibited
20-1584	Commissions; right to pay
20-1585	Commissions; other considerations prohibited
20-1586	Rebates or reduced fees
20-1587	Personal or controlled insurance
20-1588	Examination of records; order; notice
20-1589	Violations; classification
20-1590	Permitted division of fees
20-1591	Forms of policies and other contracts of title insurance; approval or disapproval
20-1592	Records
20-1593	Joint examination; department of financial institutions; powers and duties
Article 10	Consumer Credit Insurance
20-1602	Scope and repeal
20-1603	Definitions
20-1604	Types of consumer credit insurance
20-1605	Maximum amount of credit life insurance
20-1606	Maximum amount of credit disability insurance and credit unemployment insurance
20-1606.01	Credit unemployment insurance; provisions
20-1607	Term of insurance
20-1608	Policy provisions and disclosures
20-1609	Filing, approval and disapproval of forms
20-1610	Premiums for consumer credit insurance; approval or disapproval of rates
20-1611	Refunds
20-1612	Authorization for issuance of policies
20-1613	Reporting and settlement of claims
20-1614	Debtor's option in satisfying security
20-1615	Rules
20-1616	Cease and desist order; hearing
20-1616.01	Penalties
Article 10.1	Credit Property Insurance
20-1621	Scope of article
20-1621.01	Definitions
20-1621.02	Amount; term; coverage; prohibited practices
20-1621.03	Disclosure to debtors; provisions of policies; certificates of insurance
20-1621.04	Rates and forms; filing; approval; withdrawal of approval
20-1621.05	Reasonableness of benefits in relation to premium charged
20-1621.06	Experience reports
20-1621.07	Cancellation and refund of unearned premium
20-1621.08	Claims
20-1621.09	Cease and desist order; hearing
20-1621.10	Rules
20-1621.11	Penalties
Article 11	Cancellation or Non-Renewal of Automobile Insurance
20-1631	Definition of motor vehicle; cancellation of or failure to renew coverage; limitations; limitation of liability; exceptions; insurance producers
20-1632	Cancellation, nonrenewal and reduction of limits for reasons other than nonpayment of premium; notices to insured; refund of unearned premium
20-1632.01	Cancellation or nonrenewal for nonpayment of premium; grace period; notice of cancellation; discrimination; definition
20-1633	Objections; investigation; determination
20-1634	Immunity
Article 12	Cancellation or Nonrenewal of Insurance
20-1651	Application; types of risks
20-1652	Grounds for valid notice of cancellation; inquiries; definitions
20-1653	Mailing of notice of cancellation or nonrenewal to insured; statement of grounds and facts on which cancellation or nonrenewal is based
20-1654	Mailing or delivery of notice of intention not to renew to insured; time; term of policy
20-1655	Liability of insurer and representatives for statements in notice of cancellation, other communication or evidence given in court relating to cancellation
20-1656	Proof of mailing as proof of notice
Article 13	Mass Marketed Life or Health Insurance
20-1661	Definitions
20-1662	Requirements to transact mass marketed insurance
20-1663	Unreasonable mass marketed insurance prohibited; hearing; findings; rules
Article 14	Cancellation or Nonrenewal of Commercial Insurance
20-1671	Scope of article
20-1672	Definitions
20-1673	Grounds for valid cancellation
20-1674	Notice of cancellation
20-1675	Liability of insurer and representatives for statements in notice of cancellation, other communication or evidence given in court relating to cancellation
20-1676	Notice of nonrenewal
20-1677	Notice of premium or coverage changes
20-1678	Proof of notice
20-1679	Application and effective date
Article 15	Long-Term Care Insurance
20-1691	Definitions
20-1691.01	Applicability and scope
20-1691.02	Adoption of rules
20-1691.03	Limitations of long‑term care insurance policies
20-1691.04	Requirements for certain group coverage
20-1691.05	Prior institutionalization
20-1691.06	Outline of coverage; certificate
20-1691.07	Right to return
20-1691.08	Rate and form review; disapproval
20-1691.09	Penalties
20-1691.10	Contestable periods
20-1691.11	Nonforfeiture benefits
20-1691.12	Insurance producer training course requirements
Article 16	Adopted Child Coverage
20-1692	Definitions
20-1692.01	Requirements for coverage
20-1692.02	Eligibility under title XIX of the social security act
20-1692.03	Coverage of children
Chapter 7	PROFESSIONAL LIABILITY INSURANCE
Article 2	Health Care Insurers
20-1721	Health care insurers; policy limits; eligibility; rates; applicability to other insurers; restrictions
20-1722	Deposit; surplus requirements
20-1723	Exemption from mandatory participation in certain plans and associations
20-1724	Sale of professional liability insurance coverage for licensed health care providers by insurers other than by health care insurance companies; requirements; exemptions
Article 3	Insurance Review Committees
20-1731	Immunity for serving on or furnishing information to insurance review committees
Article 4	Reporting Requirements
20-1741	Annual statement to include certain claims and premium information
20-1742	Insurers to report malpractice claims and actions; definition
Chapter 8	LIFE CARE CONTRACTS
Article 1	General Provisions
20-1801	Definitions
20-1802	Permit required; application; definition
20-1803	Issuance of permit
20-1804	Entrance fee escrow
20-1805	Recording of lien by director
20-1806	Reserve fund escrow
20-1807	Annual report; civil penalty
20-1808	Ratio of assets to liabilities; report; rehabilitation of provider
20-1809	Examination
20-1810	Rules and regulations
20-1811	Violation; classification
20-1812	Disclosure statement; contents
Chapter 9	AUTOMOBILE THEFT, FIRE AND ARSON REPORTING IMMUNITY
Article 1	General Provisions
20-1901	Definitions
20-1902	Disclosure of information
20-1903	Immunity from liability for disclosure of information
20-1904	Confidentiality of information
20-1905	Authorized agency as witness
20-1906	Violation; classification
20-1907	Application of chapter
Chapter 11	INSURANCE INFORMATION AND PRIVACY PROTECTION
Article 1	General Provisions
20-2101	Scope
20-2102	Definitions
20-2103	Pretext interviews; exception
20-2104	Notice of insurance information practices
20-2105	Marketing and research surveys; disclosure of questions
20-2106	Content of disclosure authorization forms
20-2107	Investigative consumer reports
20-2108	Access to recorded personal information
20-2109	Correction, amendment or deletion of recorded personal information
20-2110	Reasons for adverse underwriting decisions
20-2111	Information concerning previous adverse underwriting decisions
20-2112	Previous adverse underwriting decisions
20-2113	Disclosure limitations and conditions
20-2113.01	Consumer reporting agency; sale of information obtained by insurance inquiry prohibited; exceptions
20-2114	Director; powers
20-2115	Service of process; insurance support organizations
20-2116	Cease and desist order and reports
20-2117	Civil penalty
20-2118	Individual remedies
20-2119	Immunity
20-2120	No limitation of common law right
20-2121	Enforcement of privacy provisions of Gramm Leach Bliley act
20-2122	Partial exemption for health insurers subject to HIPAA
Chapter 12	JOINT UNDERWRITING ASSOCIATION
Article 1	General Provisions
20-2201	Voluntary plans; assessments; fund
20-2202	Joint underwriting association; establishment
20-2203	Powers of the joint underwriting association
20-2204	Directors; election; appointment
20-2205	Plan of operation; contents
20-2206	Approval of plan of operation
20-2207	Amendments to the plan of operation
20-2208	Policies issued by the association; claims‑made basis
20-2209	Claims‑made policy; cancellation
20-2210	Occurrence riders; premiums; assessments
20-2211	Rates; actuary
20-2212	Deficits; equitable assessments; premium tax credits
20-2213	Initial assessment; temporary contribution by members
20-2214	Member participation in writings, expenses, servicing allowance, management fees and losses
20-2215	Appeal by applicants to the association; order
20-2216	Annual filing; contents
20-2217	Annual examination by the director
20-2218	Costs; charge to the association
20-2219	Liability of the association
20-2220	Prohibition from membership in Arizona guaranty fund
20-2221	Dissolution
Chapter 13	ACCOUNTABLE HEALTH PLANS
Article 1	Accountable Health Plans
20-2301	Definitions; late enrollee coverage
20-2302	Scope of article
20-2303	Approval as accountable health plan; definition
20-2304	Availability of insurance; premium tax exemption
20-2305	Accountable health plan uniform employee health status questionnaire; committee; definition
20-2306	Use of uniform employee health status questionnaire
20-2307	Eligibility; annual open enrollment period
20-2308	Portability
20-2309	Renewability
20-2310	Discrimination prohibited; preexisting conditions; wellness programs
20-2311	Premium rates and rating practices
20-2313	Marketing practices
20-2318	Mandatory coverage prohibited
20-2320	Exchange of information
20-2321	Maternity benefits; adoption; coverage
20-2322	Mental health services and benefits; definitions
20-2323	Disclosure of information
20-2324	Bona fide associations; definition
20-2325	Diabetes; equipment; supplies
20-2326	Drugs; cancer treatment; definitions
20-2327	Metabolic disorders; medical foods; definitions
20-2328	Accountable health plans; clinical trials; cancer; definitions
20-2329	Prescription contraceptive drugs and devices; definition
20-2330	Participation in healthcare group
20-2331	Accountable health plans; varying copayments and deductibles allowed
20-2332	Eosinophilic gastrointestinal disorder; formula
Article 2	Uninsured Small Business Health Insurance Plans
20-2341	Uninsured small business health insurance plans; mandatory coverage exemption; definitions
Chapter 14	RISK RETENTION GROUPS
Article 1	General Provisions
20-2401	Definitions
20-2402	Risk retention groups chartered and licensed in this state
20-2403	Risk retention groups not chartered and licensed in this state
20-2404	Compulsory associations
20-2405	Countersignatures not required
20-2406	Purchasing groups; exemption from certain laws relating to the group purchase of insurance
20-2407	Notice and registration requirements of purchasing groups
20-2408	Restrictions on insurance purchased by purchasing groups
20-2409	Administrative and procedural authority regarding risk retention groups and purchasing groups
20-2410	Penalties
20-2411	Duty of insurance producer to obtain license
20-2412	Binding effect of orders issued in United States district court
20-2413	Rules
Chapter 15	UTILIZATION REVIEW
Article 1	General Provisions
20-2501	Definitions; scope
20-2502	Utilization review activities; exemptions
20-2503	Utilization review standards; applicability; definition
20-2504	Utilization review agents; certification; rules
20-2505	Application for certification
20-2506	Certification; responsibilities of department; cost recovery
20-2507	Certificates; renewal
20-2508	Denial, suspension or revocation of certificates; hearing; civil penalties
20-2509	Confidentiality
20-2510	Health care insurers requirements; medical directors
20-2511	Violation; injunctive relief
Article 2	Health Care Appeals
20-2530	Definitions
20-2531	Applicability; requirements
20-2532	Utilization review standards and criteria; requirements
20-2533	Denial; levels of review; disclosure; additional time after service by mail; review process
20-2534	Expedited medical review; expedited appeal
20-2535	Informal reconsideration
20-2536	Formal appeal
20-2537	External independent review; expedited external independent review
20-2538	Independent review organizations
20-2539	Rules
20-2540	Health care appeals fund
20-2541	Health care insurer fee
Chapter 16	VARIABLE LIFE PRODUCTS
Article 1	Variable Life Insurance
20-2601	Definitions
20-2602	Requirements applicable to insurers issuing variable life insurance
20-2603	Reports
20-2604	Variable life insurance policy and filing requirements
20-2605	Reserve liabilities for variable life insurance
20-2606	Separate accounts
20-2607	Information to applicants
20-2608	Variable life insurance policy application requirements
20-2609	Policyholder reports
20-2610	Foreign companies; compliance with laws of domiciliary state
Article 2	Variable Annuities
20-2631	Definitions
20-2632	Qualifications to issue variable annuities
20-2633	Separate account; annuities
20-2634	Filing of contracts; approval
20-2635	Variable annuity contracts
20-2636	Nonforfeiture benefits; exceptions; definition
20-2637	Reports
20-2638	Foreign companies
Article 3	Agent Qualifications
20-2661	Scope of article; definitions
20-2662	Insurance producer qualifications; reports
Chapter 17	ACCESS TO EMERGENCY HEALTH CARE
Article 1	General Provisions
20-2801	Definitions
20-2802	Scope of chapter
20-2803	Emergency services access; prior authorization; requirements
20-2804	Utilization review; medically necessary emergency services
Chapter 18	CONTINUING EDUCATION
Article 1	General Provisions
20-2901	Definitions
20-2902	Continuing education requirements; nonresident license in another state; nonresident license in this state
20-2903	Record keeping
20-2904	Continuing education; contractor requirements; automatic approval
20-2905	Continuing education review committee
Chapter 19	CONTINUING EDUCATION-BAIL BOND AGENTS
Article 1	General Provisions
Chapter 20	TIMELY PAYMENT OF CLAIMS
Article 1	General Provisions
20-3101	Definitions
20-3102	Timely payment of health care providers' claims; grievances
Chapter 21	HEALTH CARE INSURER LIABILITY
Article 1	General Provisions
20-3151	Definitions
20-3152	Exemptions; waiver
20-3153	Health care insurer liability
20-3154	Health care appeals; admissibility
20-3155	Notice of intent to file suit

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2010 Arizona Revised Statutes Title 20 - Insurance

2010 Arizona Revised Statutes
Title 20 - Insurance