27-15-15
Section 27-15-15 Effect of incontestability clause. A clause in any policy of life insurance
or annuity contract providing that such policy or contract shall be incontestable after a
specified period shall preclude only a contest of the validity of the policy or contract and
shall not preclude the assertion at any time of defenses based upon provisions in the policy
or contract which exclude or restrict coverage, whether or not such restrictions or exclusions
are excepted in such clause. (Acts 1967, No. 181, p. 543; Acts 1971, No. 407, p. 707, §360.)...

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27-20-7
Section 27-20-7 Blanket disability insurance - Payment of benefits. All benefits under any
blanket disability policy shall be payable to the person insured, or to his employer, or to
his designated beneficiary or beneficiaries or to his estate; except, that if the person insured
be a minor or mental incompetent, such benefits may be made payable to his parent, guardian,
or other person actually supporting him, or, if the entire cost of the insurance has been
borne by the employer, such benefits may be made payable to the employer; provided, however,
that the policy may provide that all, or any portion, of any indemnities provided by such
policy on account of hospital, nursing, medical, or surgical services may, at the insurer's
option, be paid directly to the hospital or person rendering such services; but the policy
may not require that the service be rendered by a particular hospital or person. Payment so
made shall discharge the insurer's obligation with respect to the amount of...
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27-19-21
Section 27-19-21 Optional policy provisions - Insurance with other insurers - Other benefits.
(a) There may be a provision as follows: "Insurance with Other Insurers: If there be
other valid coverage, not with this insurer, providing benefits for the same loss on other
than an expense-incurred basis and of which this insurer has not been given written notice
prior to the occurrence or commencement of loss, the only liability for such benefits under
this policy shall be for such proportion of the indemnities otherwise provided hereunder for
such loss as the like indemnities of which the insurer had notice (including the indemnities
under this policy) bear to the total amount of all like indemnities for such loss and for
the return of such portion of the premium paid as shall exceed the pro rata portion for the
indemnities thus determined." (b) If the foregoing policy provision is included in a
policy which also contains the policy provision set out in Section 27-19-20, there shall be...

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27-19-20
Section 27-19-20 Optional policy provisions - Insurance with other insurers - Expense-incurred
benefits. (a) There may be a provision as follows: "Insurance with Other Insurers: If
there be other valid coverage, not with this insurer, providing benefits for the same loss
on a provision of service basis or on an expense-incurred basis and of which this insurer
has not been given written notice prior to the occurrence or commencement of loss, the only
liability under any expense-incurred coverage of this policy shall be for such proportion
of the loss as the amount which would otherwise have been payable hereunder plus the total
of the like amounts under all such other valid coverages for the same loss of which this insurer
had notice bears to the total like amounts under all valid coverages for such loss, and for
the return of such portion of the premiums paid as shall exceed the pro rata portion for the
amount so determined. For the purpose of applying this provision when other...
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27-18-9
Section 27-18-9 Policy provisions - Payment of benefits. The group life insurance policy shall
contain a provision that any sum becoming due by reason of the death of the person insured
shall be payable to the beneficiary designated by the person insured, subject to the provisions
of the policy in the event there is no designated beneficiary as to all, or any part, of such
sum living at the death of the person insured, and subject to any right reserved by the insurer
in the policy and set forth in the certificate to pay at its option a part of such sum not
exceeding $500.00 to any person appearing to the insurer to be equitably entitled thereto
by reason of having incurred funeral or other expenses incident to the last illness or death
of the person insured. (Acts 1971, No. 407, p. 707, §415.)...
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27-18-7
Section 27-18-7 Policy provisions - Adjustment of premiums and/or benefits. The group life
insurance policy shall contain a provision specifying an equitable adjustment of premiums
or of benefits, or of both, to be made in the event the age of a person insured has been misstated,
such provision to contain a clear statement of the method of adjustment to be used. (Acts
1971, No. 407, p. 707, §413.)...
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27-19-19
Section 27-19-19 Optional policy provisions - Other insurance in this insurer. There may be
a provision as follows: "Other Insurance in This Insurer: If an accident or sickness
or accident and sickness policy, or policies, previously issued by the insurer to the insured
be in force concurrently herewith, making the aggregate indemnity for _____ (insert type of
coverage or coverages) in excess of $ _____ (insert maximum limit of indemnity or indemnities),
the excess insurance shall be void and all premiums paid for such excess shall be returned
to the insured or to his estate." Or, in lieu thereof: "Insurance effective at any
one time on the insured under a like policy, or policies, in this insurer is limited to the
one such policy elected by the insured, his beneficiary or his estate, as the case may be,
and the insurer will return all premiums paid for all other such policies." (Acts 1953,
No. 193, p. 247, §3; Acts 1957, No. 597, p. 834; Acts 1971, No. 407, p. 707, §440.)...
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27-19-2
Section 27-19-2 Scope and format of policy. No policy of disability insurance shall be delivered,
or issued for delivery, to any person in this state unless it otherwise complies with this
title and complies with the following: (1) The entire money and other considerations therefor
shall be expressed therein; (2) The time when the insurance takes effect and terminates shall
be expressed therein; (3) It shall purport to insure only one person, except that a policy
may insure, originally or by subsequent amendment, upon the application of an adult member
of the family, who shall be deemed the policyholder, any two or more eligible members of that
family, including husband, wife, dependent children, or any children under a specified age,
and any other person dependent upon the policyholder; (4) The style, arrangement, and overall
appearance of the policy shall give no undue prominence to any portion of the text, and every
printed portion of the text of the policy and of any endorsements...
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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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27-19-28
Section 27-19-28 Exclusion of hospitalization benefits for mental patients in tax-supported
institutions. (a) No policy of health, sickness, or accident insurance delivered, or issued
for delivery, in this state, including both individual and group policies, which provide coverage
for psychiatric treatment or mental illness shall exclude hospitalization benefits for mental
patients in tax-supported institutions of the State of Alabama, or any county or municipality
thereof. (b) The provisions of this section shall not apply to any policy of insurance in
effect prior to September 20, 1971, nor shall the provisions of this section apply to any
employee benefit plan providing hospital benefits for mental patients where such employee
benefit plan is established by the employer and contributions to the plan are provided by
the employer and the employee, or either of them, and such plan is not evidenced by individual,
or group or blanket policies of health, sickness, or accident insurance...
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