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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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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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27-45-4
Section 27-45-4 Effect of policies or plans contrary to article. Any provision in a health
insurance policy or employee benefit plan which is delivered, renewed, issued for delivery,
or otherwise contracted for in this state which is contrary to this article shall to the extent
of such conflict be void. (Acts 1988, No. 88-379, p. 565, §4.)...
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27-15-4
Section 27-15-4 Life insurance policy provisions - Incontestability. There shall be a provision
that the policy, exclusive, at the option of the insurer, of provisions relating to disability
benefits or to additional benefits in the event of death by accident or accidental means,
shall be incontestable, except for nonpayment of premiums, after it has been in force during
the lifetime of the insured for a period of two years from its date of issue. (Acts 1967,
No. 181, p. 543; Acts 1971, No. 407, p. 707, §349.)...
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27-50-3
Section 27-50-3 Health benefit plan. As used in this chapter, the term "health benefit
plan" has the following meaning: A health insurance policy, including a self-insured
health plan, that covers hospital, medical, or surgical expenses, health maintenance organizations,
preferred provider organizations, medical service organizations, physician-hospital organizations,
or any other person, firm, corporation, joint venture, or other similar business entity that
pays for, purchases, or furnishes health care services to patients, insureds, or beneficiaries
in this state. The term does not include accident-only, specified disease, individual hospital
indemnity, credit, dental-only, Medicare-supplement, long-term care, or disability income
insurance; coverage issued as a supplement to liability insurance, workers' compensation or
similar insurance; or automobile medical-payment insurance. For the purpose of this chapter,
a health benefit plan located or domiciled outside of the State of...
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27-13-120
Section 27-13-120 Premium reduction for completing accident prevention course. (a) Any rates,
rating schedules, or rating manuals submitted to or filed with the Commissioner of the Department
of Insurance for private passenger automobile liability insurance and private passenger automobile
physical damage insurance shall include an appropriate reduction in premium charges if the
principal operator is 55 years of age or older and has successfully completed a motor vehicle
accident prevention course approved pursuant to this article. (b) Upon successful completion
of an approved motor vehicle accident prevention course, each participant shall be issued,
by the course's sponsoring entity, a certificate of completion which shall be the basis of
the qualification for the reduction in the automobile insurance premium. (c) The premium reduction
required in this section shall be effective for an insured for a three-year period after successful
completion of the approved course, except that the...
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27-15-24
Section 27-15-24 Exclusions and restrictions in life insurance policies. (a) No policy of life
insurance shall be delivered or issued for delivery in this state if it contains any of the
following provisions: (1) A provision for a period shorter than that provided by statute within
which an action may be commenced on such a policy; and (2) A provision which excludes or restricts
liability for death caused in a certain specified manner or occurring while the insured has
a specified status; except, that a policy may contain provisions excluding or restricting
coverage as specified therein in the event of death under any one or more of the following
circumstances: a. Death as a result, directly or indirectly, of war, declared or undeclared,
or of action by military forces, or of any act or hazard of such war or action, or of service
in the military, naval, or air forces or in civilian forces auxiliary thereto, or from any
cause while a member of such military, naval, or air forces of any...
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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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27-51-1
Section 27-51-1 Payment for services of licensed physician assistant. (a) An insurance policy
or contract providing for third-party payment or prepayment of health or medical expenses
shall include a provision for the payment to a supervising physician for necessary medical
or surgical services that are provided by a licensed physician assistant practicing under
the supervision of the physician, and pursuant to the rules, regulations, and parameters for
physician assistants, if the policy or contract pays for the same care and treatment provided
by a licensed physician or doctor of osteopathy. (b) An insurance policy or contract subject
to this section shall not impose a practice or supervision restriction which is inconsistent
with or more restrictive than provided by law. (c) This section shall apply to services provided
under a policy or contract delivered, continued, or renewed in this state on or after August
1, 1997, and to any existing policy or contract, on the policy's or...
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32-7-22
Section 32-7-22 Motor vehicle liability policy defined; policy provisions. (a) A motor vehicle
liability policy, as the term is used in this chapter, means an owner's or an operator's policy
of liability insurance, certified as provided in Section 32-7-20 or Section 32-7-21 as proof
of financial responsibility, and issued, except as otherwise provided in Section 32-7-21,
by an insurance carrier duly authorized to transact business in this state, to or for the
benefit of the person named in the policy as insured. (b) The owner's policy of liability
insurance: (1) Shall designate by explicit description or by appropriate reference all motor
vehicles to be insured; and (2) Shall insure the person named in the policy and any other
person, as insured, using any motor vehicle or motor vehicles designated in the policy with
the express or implied permission of the named insured, against loss from the liability imposed
by law for damages arising out of the ownership, maintenance, or use of...
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