2005 Idaho Code - 41-2128 — RENEWABILITY

                                  TITLE  41
                                  INSURANCE
                                  CHAPTER 21
                        DISABILITY INSURANCE POLICIES
    41-2128.  RENEWABILITY. Disability insurance policies, other than accident
insurance only policies, in which the insurer reserves the right to refuse
renewal on an individual basis, shall provide in substance in a provision
thereof or in an endorsement thereon or rider attached thereto that subject to
the right to terminate the policy upon nonpayment of premium when due, such
right to refuse renewal may not be exercised so as to take effect before the
renewal date occurring on, or after and nearest, each policy anniversary (or
in the case of lapse and reinstatement, at the renewal date occurring on, or
after and nearest, each anniversary of the last reinstatement), and that any
refusal of renewal shall be without prejudice to any claim originating while
the policy is in force. (The parenthetic reference to lapse and reinstatement
may be omitted at the insurer's option.)