25-4-54
Section 25-4-54 Contribution rates for employers subject to benefit charges; determination
of individual benefit charges. (a) Determination of contribution rates. (1) For the 12-month
period beginning on January 1 of each year which begins after December 31, 1996, any employer
whose experience rating account has been subject to benefit charges throughout at least the
fiscal year, as defined in Section 25-4-4, immediately preceding such January 1, shall have
his or her rate determined by the Unemployment Compensation Fund's liability for benefits
paid to his or her employees, modified by the fund's balance as of the most recent June 30.
The employment record of an organization which has been making payments in lieu of contributions
but which elects to change to payment of contributions shall be deemed to have been chargeable
with benefits throughout the period (not to exceed three fiscal years) with respect to which
it was making payments in lieu of contributions and its benefit charges...
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27-18-11
Section 27-18-11 Policy provisions - Conversion - Termination of eligibility. The group life
insurance policy shall contain a provision that if the insurance, or any portion of it, on
a person covered under the policy ceases because of termination of employment or of membership
in the class, or classes, eligible for coverage under the policy, such person shall be entitled
to have issued to him by the insurer, without evidence of insurability, an individual policy
of life insurance without disability or other supplementary benefits, provided application
for the individual policy shall be made and the first premium paid to the insurer within 31
days after such termination and provided, further, that: (1) The individual policy shall,
at the option of such person, be on any one of the forms, except term insurance, then customarily
issued by the insurer at the age and for the amount applied for; (2) The individual policy
shall be in an amount not in excess of the amount of life insurance...
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27-18-12
Section 27-18-12 Policy provisions - Conversion - Termination of policy. The group life insurance
policy shall contain a provision that if the group policy terminates, or is amended so as
to terminate the insurance of any class of insured persons, every person insured thereunder
at the date of such termination whose insurance terminates and who has been so insured for
at least five years prior to such termination date shall be entitled to have issued to him
by the insurer an individual policy of life insurance, subject to the same conditions and
limitations as are provided by Section 27-18-11; except, that the group policy may provide
that the amount of such individual policy shall not exceed the smaller of: (1) The amount
of the person's life insurance protection ceasing because of the termination or amendment
of the group policy, less the amount of any life insurance for which he is, or becomes, eligible
under any group policy issued or reinstated by the same or another insurer,...
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27-15-12
Section 27-15-12 Life insurance policy provisions - Payment of premiums; increases. (a) There
shall be a provision relative to the payment of premiums. (b) A premium may not be increased
unless the policy or a document delivered with the policy contains a provision in writing
placing the consumer on notice that the premium may be increased; provided that nothing contained
in this subsection shall be interpreted to require the continuation of coverage that is not
otherwise guaranteed under the terms of the policy. (Acts 1971, No. 407, p. 707, §357; Act
2006-614, p. 1683, §1.)...
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27-15-5
Section 27-15-5 Life insurance policy provisions - Entire contract; representations. There
shall be a provision that the policy, or the policy and the application or a summary of such
application, if a copy of the application or a summary thereof is endorsed upon or attached
to the policy when issued, shall constitute the entire contract between the parties and that
all statements contained in the application shall, in the absence of fraud, be deemed representations
and not warranties. In the event of discrepancies between the original application and the
summary, the contents of the original application shall govern. When a summary of the application
is attached to the policy, the insurer shall keep and maintain the original application for
insurance or a copy thereof for a period of not less than three years from the date on which
the policy was issued. (Acts 1935, No. 152, p. 194; Acts 1971, No. 407, p. 707, §350; Acts
1988, No. 88-545, p. 844, §2.)...
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27-18-4
Section 27-18-4 Policy provisions - Incontestability. The group life insurance policy shall
contain a provision that the validity of the policy shall not be contested, except for nonpayment
of premium, after it has been in force for two years from its date of issue and that no statement
made by any person insured under the policy relating to his insurability shall be used in
contesting the validity of the insurance with respect to which such statement was made after
such insurance has been in force prior to the contest for a period of two years during such
person's lifetime nor unless it is contained in a written instrument signed by him. (Code
1940, T. 28, §7; Acts 1967, No. 181, p. 543; Acts 1971, No. 407, p. 707, §410.)...
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27-15-6
Section 27-15-6 Life insurance policy provisions - Misstatement of age or sex. There shall
be a provision that if the age or sex of the insured or of any other person whose age or sex
is considered in determining the premium has been misstated, any amount payable or benefit
accruing under the policy shall be such as the premium would have purchased at the correct
age or sex. (Acts 1971, No. 407, p. 707, §351.)...
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27-18-10
Section 27-18-10 Policy provisions - Individual certificates. The group life insurance policy
shall contain a provision that the insurer will issue to the policyholder for delivery to
each person insured an individual certificate setting forth a statement as to the insurance
protection to which he is entitled, to whom the insurance benefits are payable and the rights
and conditions set forth in Sections 27-18-11, 27-18-12, and 27-18-13. (Acts 1971, No. 407,
p. 707, §416.)...
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27-18-6
Section 27-18-6 Policy provisions - Insurability. The group life insurance policy shall contain
a provision setting forth the conditions, if any, under which the insurer reserves the right
to require a person eligible for insurance to furnish evidence of individual insurability,
satisfactory to the insurer as a condition to part or all of his coverage. (Acts 1971, No.
407, p. 707, §412.)...
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27-16-17
Section 27-16-17 Policy provisions - Prohibited provisions. No policy of industrial life insurance
shall contain any of the following provisions: (1) A provision by which the insurer may deny
liability under the policy for the reason that the insured has previously obtained other insurance
from the same insurer; (2) A provision giving the insurer the right to declare the policy
void because the insured has had any disease or ailment, whether specified or not, or because
the insured has received institutional, hospital, medical, or surgical treatment or attention,
except a provision which gives the insurer the right to declare the policy void if the insured
has, within two years prior to the issuance of the policy, received institutional, hospital,
medical, or surgical treatment or attention and if the insured or claimant under the policy
fails to show that the condition occasioning such treatment or attention was not of a serious
nature or was not material to the risk; or (3) A...
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