Code of Alabama

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37-11A-1
Section 37-11A-1 Execution and text of compact. The Governor, on behalf of this state, shall
execute a compact, in substantially the following form, with the State of Mississippi, and
the Legislature approves and ratifies the compact in the form substantially as follows: Northeast
Mississippi - Northwest Alabama Railroad Authority Compact. The contracting states solemnly
agree: Article I. The purpose of this compact is to promote and develop trade, commerce, industry,
and employment opportunities for the public good and welfare in northeast Mississippi and
northwest Alabama through the establishment of a joint interstate authority to acquire certain
railroad properties and facilities which the operator thereof has notified the Interstate
Commerce Commission of an intention to abandon and which are located in any of Franklin, Marion,
or Winston Counties, Alabama or in Alcorn or Tishomingo Counties, Mississippi. Article II.
This compact shall become effective immediately as to the State...
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22-18-50
Section 22-18-50 Enactment and text of Emergency Medical Services Personnel Licensure Interstate
Compact. The Emergency Medical Services Personnel Licensure Interstate Compact is hereby enacted
into law and entered into with all other jurisdictions legally joining therein in form substantially
as follows: SECTION 1. PURPOSE In order to protect the public through verification of competency
and ensure accountability for patient care related activities all states license emergency
medical services (EMS) personnel, such as emergency medical technicians (EMTs), advanced EMTs
and paramedics. This Compact is intended to facilitate the day to day movement of EMS personnel
across state boundaries in the performance of their EMS duties as assigned by an appropriate
authority and authorize state EMS offices to afford immediate legal recognition to EMS personnel
licensed in a member state. This Compact recognizes that states have a vested interest in
protecting the public's health and safety...
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27-15-74
Section 27-15-74 Computation of paid-up nonforfeiture benefits. Any paid-up nonforfeiture benefit
available under the policy in the event of default in the premium payment due on any policy
anniversary shall be such that its present value as of such anniversary shall be at least
equal to the cash surrender value then provided for by the policy or, if none is provided
for, that cash surrender value which would have been required by this article in the absence
of the condition that premiums shall have been paid for at least a specified period. (Act
2016-411, §1.)...
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27-17-11
Section 27-17-11 Policy provisions - Payment of cash benefits. (a) There shall be a provision
that any cash benefit provided by the policy upon the death of the insured will be payable
upon receipt of due proof of death of the insured and, at the insurer's option, the surrender
of the policy and premium receipt book. (b) The policy may also provide for the payment of
such benefit or any other cash benefit due under the policy to the beneficiary designated
in the policy, or to the executor or administrator of the insured, or to any relative of the
insured by blood, or legal adoption or connection by marriage or to any person appearing to
the insurer to be equitably entitled thereto by reason of having incurred expense for the
maintenance, medical attention or burial of the insured. (Acts 1971, No. 407, p. 707, §402.)...

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27-19-16
Section 27-19-16 Optional policy provisions - Generally. Except as provided in subsection (b)
of Section 27-19-3, no such policy delivered, or issued for delivery, to any person in this
state shall contain provisions respecting the matters set forth in Sections 27-19-17 through
27-19-26 unless such provisions are in the words in which the same appear in the applicable
section; except, that the insurer may, at its option, use in lieu of any such provision a
corresponding provision of different wording approved by the commissioner which is not less
favorable in any respect to the insured or the beneficiary. Any such provision contained in
the policy shall be preceded individually by the appropriate caption or, at the option of
the insurer, by such appropriate individual, or group captions or subcaptions as the commissioner
may approve. (Acts 1953, No. 193, p. 247, §3; Acts 1957, No. 597, p. 834; Acts 1971, No.
407, p. 707, §437.)...
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27-19-3
Section 27-19-3 Mandatory policy provisions - Generally. (a) Except as provided in subsection
(b) of this section, each such policy delivered, or issued for delivery, to any person in
this state shall contain the provisions specified in Sections 27-19-4 through 27-19-15, 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 commissioner 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
subcaptions as the commissioner may approve. (b) 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 commissioner, shall omit from...
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27-15-80
Section 27-15-80 Proration of values; net value of paid-up additions. Any cash surrender value
and any paid-up nonforfeiture benefit available under the policy in the event of default in
a premium payment due at any time other than on the policy anniversary shall be calculated
with allowance for the lapse of time and the payment of fractional premiums beyond the last
preceding policy anniversary. All values referred to in Sections 27-15-73, 27-15-74, 27-15-75,
27-15-76, 27-15-77, and 27-15-78 may be calculated on the assumption that any death benefit
is payable at the end of the policy year of death. The net value of any paid-up additions,
other than paid-up term additions, shall not be less than the amounts used to provide such
additions. Notwithstanding the provisions of Section 27-15-73, additional benefits payable
as follows shall be disregarded in ascertaining cash surrender values and nonforfeiture benefits
required by this article, and no such additional benefits shall be...
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27-17-6
Section 27-17-6 Policy provisions - Reinstatement. (a) There shall be a provision that the
policy may be reinstated at any time within two years after the date of default in the payment
of any premium unless the policy has been surrendered for its cash value or the period of
any extended insurance provided by the policy has expired, upon evidence of insurability satisfactory
to the insurer and the payment of all overdue premiums with interest at a rate not exceeding
six percent per annum compounded annually. (b) Subsections (b) and (c) of Section 27-16-9
shall also apply as to burial insurance policies. (Acts 1971, No. 407, p. 707, §397.)...

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27-19-7
Section 27-19-7 Mandatory policy provisions - Reinstatement. There shall be a provision as
follows: "Reinstatement: If any renewal premium be not paid within the time granted the
insured for payment, a subsequent acceptance of premium by the insurer or by any agent duly
authorized by the insurer to accept such premium, without requiring in connection therewith
an application for reinstatement, shall reinstate the policy; provided, however, that if the
insurer or such agent requires an application for reinstatement and issues a conditional receipt
for the premium tendered, the policy will be reinstated upon approval of such application
by the insurer or, lacking such approval, upon the forty-fifth day following the date of such
conditional receipt unless the insurer has previously notified the insured in writing of its
disapproval of such application. The reinstated policy shall cover only loss resulting from
such accidental injury as may be sustained after the date of reinstatement and...
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27-19-107
Section 27-19-107 Nonforfeiture benefits. (a) Except as provided in subsection (b), a long-term
care insurance policy may not be delivered or issued for delivery in this state unless the
policyholder or certificateholder has been offered the option of purchasing a policy or certificate
including a nonforfeiture benefit. The offer of a nonforfeiture benefit may be in the form
of a rider that is attached to the policy. In the event the policyholder or certificateholder
declines the nonforfeiture benefit, the insurer shall provide a contingent benefit upon lapse
that shall be available for a specified period of time following a substantial increase in
premium rates. (b) When a group long-term care insurance policy is issued, the offer required
in subsection (a) shall be made to the group policyholder. However, if the policy is issued
as group long-term care insurance, as defined in Section 27-19-103(4)d., other than to a continuing
care retirement community or other similar entity, the...
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