2007 California Insurance Code Chapter 2.5. Blanket Life Insurance

CA Codes (ins:10220-10225)

10220.  Any life insurer may issue policies of blanket life
insurance for a term not exceeding one year with premium rates less
than the usual rates for such insurance.  Such policies may
thereafter be renewed.



10221.  The only forms of blanket life insurance are those set forth
in this chapter.



10222.  Life insurance conforming to all the following conditions is
one form of blanket life insurance:
   (a) Written under a policy issued to a newspaper, farm paper,
magazine, or other periodical publication;
   (b) Insuring independent contractors, such as newspaperboys,
dealers, distributors, wholesalers, or other personnel, engaged in
the sale, distribution, collecting for, or other activities
pertaining to the marketing and delivery of publications referred to
in subdivision (a), including attending coaching school or while
participating in a trip organized, supervised, and sponsored as a
reward for meritorious service, for amounts of insurance based upon a
plan precluding individual selection;
   (c) For the benefit of persons other than the policyholder;
   (d) Where the premium is remitted by the policyholder;
   (e) Insuring persons without any requirement for individual
enrollment and without individual commitment or undertaking to pay,
and with either the policyholder or the insured to pay all the
premium or part of the premium as a condition precedent to coverage.

   Nothing in this section shall be construed to prohibit the cost of
the insurance coverage being borne by the individuals insured or by
their parents or guardians.  When the premium for the insurance is
paid by the person insured, he may, upon request, obtain from the
insurer in certificate form a copy of the policy.
   Coverage shall not be provided to any person who files with the
entity to whom the blanket policy is to be issued, for delivery to
the insurer, a written statement requesting that he not be covered.
In the case of a minor, such statement may be filed by his parent or
guardian.  If the number of persons filing such statements exceeds
ten percent (10%) of the number of persons within categories defined
as covered under the policy, it shall not be put into effect, and if
in effect shall not be renewed.



10223.  A blanket life insurance policy may provide that the insurer
is not liable, or is liable only in a reduced amount, for losses
arising from conditions:
   (a) Relating to war or acts of war;
   (b) Relating to military or naval service;
   (c) Relating to aviation.
   After notice and hearing the commissioner may prescribe reasonable
rules and regulations relative to the use of provisions permitted by
this section in respect to policies outstanding or hereafter issued.




10224.  Policies of blanket life insurance may conform to the
following conditions, any other provisions of this chapter
notwithstanding:
   (a) When issued in this State by any foreign insurer, such
policies may contain any provision required by the law of the state
under which the insurer is organized.
   (b) When issued in other states or countries by domestic insurers,
such policies may contain any provision required by the laws of the
state, or country, in which they are issued.



10225.  A policy of blanket insurance shall not be delivered or
issued for delivery in this State until a copy of the form of the
policy is filed with and approved by the commissioner.