TITLE 24. INSURANCE
Chapter
431 Insurance Code
431A Readability of Insurance Contracts--Repealed
431D Insurance Company Insolvency--Repealed
431F Hawaii Life and Disability Insurance Guaranty
Association Act--Repealed
431H Insurance Information Protection Act--Repealed
431J Captive Insurance Companies--Repealed
431K Risk Retention
431L Medicaid-Related Mandates
431M Mental Health and Alcohol and Drug Abuse
Treatment Insurance Benefits
431N State Health Insurance Program Act
431P Hawaii Hurricane Relief Fund
432 Benefit Societies
432C Nonprofit Entities; Conversion of Assets
432D Health Maintenance Organization Act
432E Patients' Bill of Rights and Responsibilities Act
433 Mutual and Fraternal Benefit Societies--Repealed
434 Insurance by Fraternal Benefit Societies--Repealed
435 Credit Life Insurance and Credit Disability
Insurance--Repealed
435C Hawaii Medical Malpractice Underwriting Plan
435E Physicians and Surgeons Cooperative Indemnity
Cross References
For disposition of repealed provisions, see Insurance Law Revision reference table (1987) at end of chapter 435.
Service contracts, see chapter 481X.
CHAPTER 431 [OLD]
THE HAWAII INSURANCE LAW
REPEALED. L 1987, c 347, §1.
Cross References
For disposition of repealed provisions, see Insurance Law Revision reference table (1987) at end of chapter 435.
CHAPTER 431
INSURANCE CODE
ARTICLE 1. DEFINITIONS
Part I. General Provisions
Section
431:1-100 Short title
431:1-100.5 Purpose
431:1-101 Compliance required
431:1-102 Public interest
431:1-103 Headings
431:1-104 Particular provisions prevail
431:1-105 Records, statements and reports
Part II. General Definitions
431:1-201 Insurance defined
431:1-202 Insurer defined
431:1-203 Classes of insurance
431:1-204 Life insurance defined
431:1-205 Accident and health or sickness insurance defined
431:1-206 Property insurance defined
431:1-207 Marine and transportation insurance defined
431:1-208 Vehicle insurance defined
431:1-209 General casualty insurance defined
431:1-210 Surety insurance defined
431:1-211 Ocean marine insurance defined
431:1-212 Person defined
431:1-213 State defined
431:1-214 United States defined
431:1-215 Transaction of an insurance business
431:1-216 General business practice
ARTICLE 2. ADMINISTRATION OF INSURANCE LAWS
Part I. Insurance Division
431:2-101 Insurance division
431:2-102 Insurance commissioner
431:2-103 Salary
431:2-104 Seal
431:2-105 Deputies, employees
431:2-105.5 Staff
431:2-106 Ethical requirements for insurance division staff
431:2-107 Workers' compensation rate analysis
431:2-108 Commissioner may delegate
431:2-109 Supplies, convention blanks
431:2-110 Offices
Part II. Powers and Duties of Commissioner
431:2-201 General powers and duties
431:2-201.2 Standards for commissioner
431:2-201.3 Criminal convictions; consent to engage
in business
431:2-201.5 Conformity to federal law
431:2-201.8 Sales to members of the armed forces
431:2-202 Orders and notices
431:2-202.5 Approval; when deemed effective
431:2-203 Enforcement
431:2-204 Commissioner's power to subpoena
431:2-205 Commissioner to receive service of legal process
on foreign or alien insurer
431:2-206 How service on commissioner made
431:2-207 Contempt proceedings
431:2-208 Access to records
431:2-209 Records and reports
431:2-210 Copies and certificates as evidence
431:2-211 Annual report
431:2-212 Interstate cooperation
431:2-214 The commissioner's education and training fund
431:2-215 Deposits to compliance resolution fund
431:2-216 Assessments of health insurers
Part III. Investigations, Examinations, Hearings
and Appeals
431:2-301 Purpose
431:2-301.5 Examiner defined
431:2-301.6 Conflict of interest
431:2-301.7 Conduct of examinations
431:2-301.8 Immunity from liability
431:2-302 Authority, scope, and scheduling of examinations
431:2-303 Examination of producers, adjusters, promoters,
and independent bill reviewers
431:2-304 Examination of guaranty associations
431:2-305 Examination reports
431:2-306 Examination expense
431:2-307 Repealed
431:2-307.5 Reimbursement and compensation of examiners;
source of funds; disposition of receipts
431:2-308 Administrative procedure act applies
ARTICLE 2D. MARKET CONDUCT
431:2D-101 Legislative intent
431:2D-102 Definitions
431:2D-103 Domestic responsibility and deference to other
states
431:2D-104 Market analysis procedures
431:2D-105 Protocols for market conduct actions
431:2D-106 Protocols for market conduct examinations
431:2D-107 Confidentiality requirements
431:2D-108 Market conduct surveillance personnel
431:2D-109 Immunity for market conduct surveillance personnel
431:2D-110 Fines and penalties
431:2D-111 Data collection and participation in national
market conduct databases
431:2D-112 Coordination with other states through the
National Association of Insurance Commissioners
431:2D-113 Additional duties of the commissioner
431:2D-114 Data calls
ARTICLE 3. INSURERS GENERAL REQUIREMENTS
Part I. Definitions
431:3-101 Alien insurer
431:3-102 Capital funds
431:3-103 Charter
431:3-104 Domestic insurer
431:3-105 Foreign insurer
431:3-106 Mutual insurer
431:3-107 Reciprocal insurance
431:3-108 Reciprocal insurer
431:3-109 Reinsurance
431:3-110 Stock insurer
Part II. Certificate of Authority
431:3-201 Authority required
431:3-202 Insurer's name
431:3-203 Qualifications for authority
431:3-203.5 Foreign insurer; certification
431:3-204 Classes of insurance authorized
431:3-205 Funds required of new insurers
431:3-206 Additional funds required, new insurers
431:3-207 Noncompliance as to capital stock and surplus
permitted certain insurers for five years
431:3-208 Funds required of existing and new insurers for
transacting additional classes of insurance
431:3-209 Deposits of alien and foreign insurers; special
deposits
431:3-210 Determination of capital funds of alien insurer
431:3-211 Repealed
431:3-212 Application for authority
431:3-212.5 Redomestication of authorized insurers
431:3-213 Authority issued or denied
431:3-214 Extension; amendment
431:3-215 Withdrawal from State; obligations
431:3-216 Mandatory refusal, suspension or revocation
provisions
431:3-217 Discretionary refusal, suspension or revocation
provisions
431:3-218 Procedure upon revocation; suspension of
certificate of authority
431:3-219 Suspension period; revocation
431:3-220 Revival
431:3-221 Power to fine
Part III. Annual Requirements and Limiting Provisions
431:3-301 Annual and quarterly filings with commissioner
431:3-302 Annual and quarterly filings with the National
Association of Insurance Commissioners
431:3-302.5 Annual audit
431:3-303 Immunity
431:3-304 Confidentiality
431:3-305 Accounts; records
431:3-306 Limit of risk
431:3-306.5 Residential hurricane coverage
431:3-307 Free insurance
431:3-308 Alien government owned insurers
431:3-309 Disclosure of profits by insurers
Part IV. Risk-Based Capital for Insurers
431:3-401 Definitions
431:3-402 Risk-based capital reports
431:3-403 Company action level event
431:3-404 Regulatory action level event
431:3-405 Authorized control level event
431:3-406 Mandatory control level event
431:3-407 Hearing
431:3-408 Confidentiality and prohibition on announcements;
prohibition on use in ratemaking
431:3-409 Supplemental provisions; rules; exceptions
431:3-410 Foreign insurers
431:3-411 Severability
431:3-412 Notices
431:3-413 Phase-in provision
431:3-414 Immunity
ARTICLE 3A. PRIVACY OF CONSUMER FINANCIAL INFORMATION
Part I. General Provisions
431:3A-101 Purpose; scope; applicability
431:3A-102 Definitions
Part II. Privacy and Opt Out Notices for Financial
Information
431:3A-201 Initial privacy notice to consumers required
431:3A-202 Annual privacy notice to customers required
431:3A-203 Information to be included in privacy notices
431:3A-204 Form of opt out notice to consumers and opt out
methods
431:3A-205 Revised privacy notices
431:3A-206 Delivery
Part III. Limits on Disclosures of Financial Information
431:3A-301 Limits on disclosure of nonpublic personal
financial information to nonaffiliated third
parties
431:3A-302 Limits on redisclosure and reuse of nonpublic
personal financial information
431:3A-303 Limits on sharing account number information for
marketing purposes
Part IV. Exceptions to Limits on Disclosures of
Financial Information
431:3A-401 Exception to opt out requirements for disclosure
of nonpublic personal financial information for
service providers and for joint marketing
431:3A-402 Exceptions to notice and opt out requirements for
disclosure of nonpublic personal financial
information for processing and servicing
transactions
431:3A-403 Other exceptions to notice and opt out
requirements for disclosure of nonpublic personal
financial information
Part V. Additional Provisions
431:3A-501 Protection of Fair Credit Reporting Act
431:3A-502 Nondiscrimination
431:3A-503 Violation
431:3A-504 Rules
ARTICLE 4. DOMESTIC INSURERS
Part I. Organization, Powers and Sale of Securities of
Domestic Insurers
431:4-101 Definitions
431:4-102 Types of insurers permitted
431:4-103 Corporation law applies in general
431:4-104 Articles of incorporation
431:4-105 Affidavit
431:4-106 Board of directors
431:4-106.5 Membership in mutual or subscriber in reciprocal
insurers; no personal liability of representative
431:4-107 Solicitation permit required
431:4-108 Application for a solicitation permit
431:4-109 Permit issued or denied
431:4-110 Bond or cash deposit
431:4-111 Expiration and contents
431:4-112 Permit not an inducement
431:4-113 Organization solicitor's license
431:4-114 Revocation of solicitation permit
431:4-115 Escrow of funds
431:4-116 Expense pending completion
431:4-117 Issuance and forfeiture of securities
431:4-118 Insurance application
431:4-119 Refund upon failure to complete or qualify or
upon revocation of solicitation permit
431:4-120 Subsequent financing
431:4-121 False exhibits
431:4-122 Depositaries
431:4-123 Corrupt practices
431:4-124 Prohibited guaranty
431:4-125 Fees on use of funds
431:4-126 Comply with foreign laws
431:4-127 Solicitation in other states
Part II. Domestic Stock Insurers
431:4-201 Other laws applicable
431:4-202 Increase of capital
431:4-203 Decrease of capital
431:4-204 Dividends to stockholders
431:4-205 Illegal dividends; reductions
431:4-206 Repayment of contributed surplus
431:4-207 Participating policies
431:4-208 Statement by beneficial owner, director, officer
431:4-209 Recovery of profits realized
431:4-210 Unlawful sales of equity security
431:4-211 Exempt transactions
431:4-212 Arbitrage transactions not affected
431:4-213 Exempt equity securities
431:4-214 Rules and regulations
Part IIA. Proxies, Consents, and Authorizations
of Domestic Stock Insurers
431:4-231 Applicability
431:4-232 Schedule A: information required in a
proxy statement
431:4-233 Schedule B: information to be included in
statements filed by or on behalf of a
participant other than an insurer in a
proxy solicitation in an election contest
431:4-234 Proxies, consents, and authorizations
431:4-235 Schedules and exhibits
431:4-236 Disclosure of equivalent information
431:4-237 Definitions
431:4-238 Information to be furnished to stockholders
431:4-239 Requirements as to proxy
431:4-240 Material required to be filed
431:4-241 False or misleading statements
431:4-242 Prohibition of certain solicitations
431:4-243 Election contests; applicability
431:4-244 Filing of information required by schedule B
431:4-245 Solicitations prior to furnishing required
written proxy statement
431:4-246 Solicitation prior to furnishing required
written proxy statement; filing requirements
431:4-247 Application of this part to annual report
Part III. Domestic Mutual Insurers
431:4-301 Other articles applicable
431:4-302 Initial qualifications for mutual insurers
431:4-303 Mutual property insurer
431:4-304 Mutual casualty insurer
431:4-305 Mutual vehicle insurer
431:4-306 Mutual life insurer
431:4-307 Mutual accident and health or sickness insurer
431:4-308 Membership
431:4-309 Rights of members
431:4-310 Bylaws
431:4-311 Notice of annual meeting
431:4-312 Members proxies
431:4-313 Directors
431:4-314 Limitation on expenses incurred in writing property
and casualty
431:4-315 Violation of expense limitation
431:4-316 Actions on officers' salaries
431:4-317 Contingent liability of members
431:4-318 Accrual of liability
431:4-319 Contingent liability as asset
431:4-320 Lien on reserves
431:4-321 Nonassessable policies
431:4-322 Applies to all policies
431:4-323 Revocation of authority
431:4-324 Dividends
431:4-325 Nonparticipating policies
431:4-326 Members' share of assets
Part IV. Reciprocal Insurers
431:4-401 Application of other sections
431:4-402 Scope
431:4-403 Insuring powers of reciprocals
431:4-404 Suits
431:4-405 Attorney
431:4-406 Power of attorney
431:4-407 Modifications
431:4-408 Organization of reciprocal insurers
431:4-409 Application for authority; declaration required
431:4-410 Policies effective
431:4-411 Attorney's bond
431:4-412 Deposit in lieu
431:4-413 Actions on bond
431:4-414 Subscribers
431:4-415 Subscribers' advisory committee
431:4-416 Subscriber's liability
431:4-417 Subscriber's liability on judgments
431:4-418 Aggregate liability
431:4-419 Assessment
431:4-420 Time limit for assessment
431:4-421 Nonassessable policies
431:4-422 Contributions of surplus
431:4-423 Share in savings
431:4-424 Subscriber's share of assets
431:4-425 Repealed
Part V. Reorganization and Conversion of Domestic
Insurers
431:4-501 Reorganization, merger or consolidation
431:4-502 Mutualization of stock insurers
431:4-503 Conversion or reinsurance of mutual insurer
431:4-504 Merger or conversion of reciprocal insurer
ARTICLE 4A. CREDIT FOR REINSURANCE
431:4A-101 Credit allowed a domestic ceding insurer
431:4A-102 Reduction from liability for reinsurance ceded
by a domestic insurer to an assuming insurer
431:4A-103 Qualified United States financial institutions
431:4A-104 Rules
431:4A-105 Reinsurance agreements affected
ARTICLE 4F. STATE OF ENTRY FOR ALIEN INSURERS
431:4F-101 Definitions
431:4F-102 Scope
431:4F-103 Authorization of entry
431:4F-104 Maintenance of trust account
431:4F-105 Requirements for trust agreement
431:4F-106 Reporting requirements for United States
branches of alien insurers
431:4F-107 Additional requirements for United States
branch license
431:4F-108 Authority of commissioner
ARTICLE 5. FINANCIAL CONDITION
Part I. Standards
431:5-101 Impairment of capital
431:5-102 Impairment of surplus
431:5-103 Impairment of reciprocal's surplus
Part II. Assets and Liabilities
431:5-201 Qualified assets
431:5-202 Assets not allowed
431:5-203 Liabilities
431:5-204 Determining financial condition of reciprocal
insurers
Part III. Reserves and Valuation
431:5-301 Unearned premium reserve
431:5-302 Unearned premium reserve for marine and
transportation
431:5-303 Active life reserves and unearned premium
reserves for noncancellable disability insurance
431:5-304 Loss reserves for liability and workers'
compensation insurance
431:5-305 Increased reserves
431:5-306 Reserve credit for reinsurance
431:5-307 Standard valuation law; life
431:5-308 Valuation of bonds
431:5-309 Valuation of other securities
431:5-310 Valuation of property
431:5-311 Valuation of purchase money mortgages
Part IV. Rules
431:5-401 Rules
ARTICLE 6. INVESTMENTS
Part I. General Provisions
431:6-101 Definitions pertaining to investments
431:6-102 Merged, reorganized institutions
431:6-103 Eligible investments; scope
431:6-104 General qualifications
431:6-105 General limitations
431:6-106 Record of investments
Part II. Mandatory Provisions
431:6-201 Required investments for capital and reserves
Part III. Permitted Investments
431:6-301 Public obligations
431:6-302 Corporate obligations
431:6-303 Preferred or guaranteed stocks or shares
431:6-304 Trustees or receivers obligations
431:6-305 Equipment trust obligations
431:6-306 Mortgage loans and contracts
431:6-307 Mortgage loan limited by property value
431:6-308 Encumbrance defined
431:6-309 Appraisal; insurance; limit
431:6-310 Security agreements
431:6-311 Real property owned
431:6-312 Time limit for disposal
431:6-313 Foreign securities
431:6-314 Policy loans
431:6-315 Banks, savings and loan associations, credit
unions, and financial services loan companies
431:6-316 Insurance stocks
431:6-317 Common stocks
431:6-318 Collateral loans
431:6-319 Miscellaneous investments
431:6-320 Special consent investments
431:6-321 Hedging transactions
431:6-322 Common trust funds, mutual funds
431:6-323 Separate accounts
431:6-324 Subsidiaries
Part IV. Prohibited Investments and Limitations
431:6-401 Prohibited investments
431:6-402 Securities underwriting; agreements to withhold
or to repurchase
431:6-403 Disposal of ineligible property and securities
431:6-404 Authorization of investments
Part V. Investment of Foreign and Alien Insurers
431:6-501 Investments of foreign, alien insurers
Part VI. Investment Pools
431:6-601 Insurer investment pools
431:6-602 Securities lending, repurchase, reverse
repurchase, and dollar roll; investment pools
ARTICLE 7. FEES, TAXES AND DEPOSITS
Part I. Fees
431:7-101 Fees
Part II. Taxes
431:7-201 Annual and quarterly tax statements
431:7-202 Taxation
431:7-202.5 Additions to taxes for noncompliance or evasion;
interest on underpayments and overpayments
431:7-203 Administrative refunds
431:7-204 In lieu provision
431:7-204.5 Appeals
431:7-204.6 Limitation period for assessment, levy,
collection, or refund
431:7-205 Reports to department of taxation
431:7-206 Domestic company credit for retaliatory taxes
paid other states
431:7-207 Tax credit to facilitate regulatory oversight
431:7-208 Low-income housing, insurance premium tax credit
431:7-209 High technology business investment tax credit
Part III. Deposits
431:7-301 Deposits of insurers
431:7-302 Purpose of deposit
431:7-303 Securities eligible for deposit
431:7-304 Record and receipt
431:7-305 Transfer of securities
431:7-306 Director may designate depositary
431:7-307 Responsibility for deposits
431:7-308 Dividends and substitutions
431:7-309 Release of deposit
431:7-310 Voluntary excess deposit
431:7-311 Not subject to levy
ARTICLE 8. UNAUTHORIZED INSURERS AND SURPLUS LINES
Part I. General Provisions
431:8-101 Scope
431:8-102 Definitions
Part II. Unauthorized Insurers
431:8-201 Transacting insurance business without
certificate of authority prohibited
431:8-202 Acting for or aiding unauthorized insurer
prohibited
431:8-203 Validity of contracts illegally effectuated
431:8-204 Liability of person assisting unauthorized
insurer
431:8-205 Insurance independently procured; duty to report
and pay tax
431:8-206 Commissioner may enjoin unauthorized insurers
431:8-207 Legal process against unauthorized insurer; how
service of process made
431:8-208 Defense of action by unauthorized insurer; bond
431:8-209 Attorney's fees
431:8-210 Advertising prohibited
431:8-211 Penalties
Part III. Surplus Lines Insurance
431:8-300 Exemptions from surplus lines law
431:8-301 Insurance placed with unauthorized insurer
permitted
431:8-302 Surplus lines in solvent insurers
431:8-303, 304 Repealed
431:8-305 Evidence of insurance; changes; penalties
431:8-306 Signature of broker and special endorsement of
surplus lines policy
431:8-307 Broker's duty to notify insured
431:8-308 Surplus lines insurance valid
431:8-309 Effect of payment to surplus lines broker
431:8-310 Surplus lines broker license required;
qualifications for license
431:8-311 Compensation
431:8-312 Records of surplus lines broker
431:8-313 Surplus lines broker's annual statement
431:8-314 Surplus lines advisory organizations
431:8-315 Tax on surplus lines
431:8-316 Penalty for failure to file statement or remit
tax
431:8-317 Suspension or revocation of license
431:8-318 Examination of surplus lines broker's accounts and
records
431:8-319 Actions against surplus lines insurer; service of
process
431:8-320 Penalties
ARTICLE 9. LICENSING OF ADJUSTERS AND BILL REVIEWERS
Part I. General Provisions
431:9-101 Scope
431:9-102 to 104 Repealed
431:9-105 Definitions
Part II. Licensing Requirements, Procedures and
Enforcement
431:9-201 License required; exception
431:9-202 Repealed
431:9-203 General qualifications for license
431:9-204 Applications for license
431:9-205 Repealed
431:9-206 Examinations for license
431:9-207 Scope of examination
431:9-208 Time of examinations
431:9-209 Advisory board
431:9-210 to 221 Repealed
431:9-222 Qualification for adjuster's license
431:9-222.5 Workers' compensation claims adjusters; limited
license
431:9-223 Public adjuster's bond
431:9-224 Separate licenses
431:9-225 Form of adjusters' license
431:9-226 Powers conferred by an adjuster's license
431:9-227 Adjuster; restrictions
431:9-228 Place of business
431:9-229 Records of adjuster or independent bill reviewer
431:9-230 Reporting and accounting for premiums
431:9-231 Repealed
431:9-232 Extension of licenses
431:9-233, 234 Repealed
431:9-235 Denial, suspension, revocation of licenses
431:9-235.5 Suspension or denial of license for noncompliance
with support order
431:9-236 Repealed
431:9-237 Duration of suspension
431:9-238 Power to fine
431:9-239 Reinstatement or relicensing
431:9-240 Fine in lieu
431:9-241 Repealed
431:9-242 Compensation by contingency fee prohibited
431:9-243 Qualification for independent bill reviewer's
license
Part III. Continuing Education--Repealed
431:9-301 to 305 Repealed
ARTICLE 9A. [OLD] MANAGING GENERAL AGENTS--REPEALED
431:9A-101 to 108 Repealed
ARTICLE 9A. PRODUCER LICENSING
Part I. General Provisions
431:9A-101 Scope
431:9A-102 Definitions
431:9A-103 License required
431:9A-104 Exceptions to licensing
431:9A-105 Insurance producer license examination
431:9A-106 Application for license
431:9A-107 License
431:9A-107.5 Limited license
431:9A-108 Nonresident licensing
431:9A-108.5 Process against nonresident licensees
431:9A-109 Exemption from examination
431:9A-110 Legal, trade, and assumed names
431:9A-111 Temporary licensing
431:9A-112 License denial, nonrenewal, suspension, or
revocation
431:9A-112.3 Suspension or denial of license for noncompliance
with support order
431:9A-112.5 Controlled business
431:9A-113 Commissions
431:9A-114 Appointments
431:9A-115 Notification to commissioner of termination
431:9A-116 Reciprocity
431:9A-117 Reporting of actions
431:9A-118 Rules
431:9A-119 Scope of examination
431:9A-120 Time of examinations
431:9A-121 Advisory board
431:9A-122 Place of business
431:9A-123 Records of insurance producer
431:9A-123.5 Reporting and accounting for premiums
431:9A-124 Prerequisites for license renewal
431:9A-125 Continuing education recordkeeping
431:9A-126 Power to fine
431:9A-127 Fine in lieu
431:9A-128 Nondiscrimination
431:9A-129 Penalty
431:9A-130 Commissioner's authority to grant waiver
Part II. Limited Lines Motor Vehicle Rental Company
Producer
431:9A-141 Definitions
431:9A-142 Requirements for license and renewal
Part III. Continuing Education Course Providers
431:9A-151 Continuing education course provider certificate
431:9A-152 Continuing education course provider additional duties
431:9A-153 Courses
431:9A-154 Self-study courses
431:9A-155 Carryover credits
431:9A-156 Course instructors
431:9A-157 Tuition
431:9A-158 Reporting credit hours and recordkeeping
431:9A-159 Advertising
431:9A-160 Advisory committee
ARTICLE 9B. REINSURANCE INTERMEDIARY
431:9B-101 Definitions
431:9B-102 Licensure
431:9B-103 Required contract provisions; reinsurance
intermediary-brokers
431:9B-104 Books and records; reinsurance intermediary-
brokers
431:9B-105 Duties of insurers utilizing the services of a
reinsurance intermediary-broker
431:9B-106 Required contract provisions; reinsurance
intermediary-managers
431:9B-107 Prohibited acts
431:9B-108 Duties of reinsurers utilizing the services of a
reinsurance intermediary-manager
431:9B-109 Examination authority
431:9B-110 Penalties and liabilities
431:9B-111 Rules
ARTICLE 9C. MANAGING GENERAL AGENTS
431:9C-101 Definitions
431:9C-102 Licensure
431:9C-103 Required contract provisions
431:9C-104 Duties of insurers
431:9C-105 Examination authority
431:9C-106 Penalties and liabilities
431:9C-107 Rules
ARTICLE 10. INSURANCE CONTRACTS GENERALLY
Part I. Readability of Insurance Contracts
431:10-101 Scope; effective dates
431:10-102 Definitions
431:10-103 Exemptions of certain contracts
431:10-104 General readability requirements
431:10-105 Required reading test; authorization and
availability
431:10-106 Flesch reading ease test; procedures
431:10-107 Filing of certificate
431:10-108 Flesch reading ease score; lower score
authorized; when
431:10-109 Disclosure of health care coverage and benefits
Part II. General Rules
431:10-201 Scope
431:10-202 Definitions
431:10-203 Power to contract
431:10-204 Insurable interest required; personal insurances
431:10-205 Interest of the insured
431:10-206 Application for insurance: consent of insured
required
431:10-207 Alteration of application
431:10-208 Limitations on use of application as evidence
431:10-209 Warranties, misrepresentations in applications
431:10-210 Standard form fire insurance policy
431:10-211 Content of policies in general
431:10-211.3 Commercial general liability extended reporting
requirements
431:10-211.5 Premium waiver provisions; restrictions
431:10-212 Contract limitations for mentally retarded and
handicapped children
431:10-213 Repealed
431:10-214 Right to return policy
431:10-215 Readjustment of premiums; dividends
431:10-216 Additional contents
431:10-217 Charter, bylaw provisions
431:10-217.5 Policies relating to domestic abuse cases
431:10-218 Stated premium must include all charges
431:10-219 Multi-peril policies, premiums stated separately
431:10-220 Policy must contain entire contract
431:10-221 Prohibited policy provisions: limiting actions
and jurisdictions
431:10-222 Construction industry; indemnity agreements
invalid
431:10-222.5 Pooled insurance
431:10-223 Underwriters and combination policies
431:10-224 Execution of policies
431:10-225 Delivery of policy
431:10-226 Renewal of policy; new policy not required
431:10-226.5 Notice of cancellation or nonrenewal
431:10-227 Retroactive annulment of liability policies
prohibited
431:10-228 Assignment of policies
431:10-229 Dividends payable to the real party
431:10-230 Payment discharges insurer
431:10-231 Exemption of proceeds; accident and health or
sickness
431:10-232 Exemption of proceeds; life, endowment and
annuity
431:10-233 Exemption of proceeds; group life
431:10-234 Spouses' and reciprocal beneficiaries' right in
life insurance policy
431:10-235 Forms for proof of loss furnished
431:10-236 Claim administration not waiver
431:10-237 Construction of policies
431:10-238 Validity of noncomplying forms
431:10-239 Intervening breach
431:10-240 Insurance contracts; punitive damages
431:10-241 Venue in certain actions
431:10-242 Policyholder and other suits against insurer
431:10-243 Interest upon proceeds of life insurance policies
431:10-244 Filing procedure for contracts approved by
commissioner
ARTICLE 10A. ACCIDENT AND HEALTH OR SICKNESS
INSURANCE CONTRACTS
Part I. Individual Accident and Health or Sickness
Policies
431:10A-101 Applications and exceptions
431:10A-102 Accident and health or sickness insurance policy
defined
431:10A-103 Family coverage defined
431:10A-104 Form of policy
431:10A-105 Required provisions
431:10A-106 Optional provisions
431:10A-107 Inapplicable or inconsistent provisions
431:10A-108 Order of certain policy provisions
431:10A-109 Third party ownership
431:10A-110 Requirements of other jurisdictions
431:10A-111 Other policy provisions
431:10A-112 Policy conflicting with this part
431:10A-113 Filing procedure
431:10A-114 Age limit
431:10A-115 Coverage of newborn children
431:10A-115.5 Coverage for child health supervision services
431:10A-116 Coverage for specific services
431:10A-116.3 Coverage for telehealth
431:10A-116.5 In vitro fertilization procedure coverage
431:10A-116.6 Contraceptive services
431:10A-116.7 Contraceptive services; religious employers
exemption
431:10A-117 Franchise plan
431:10A-118 Genetic information nondiscrimination in
accident and health or sickness insurance coverage
431:10A-119 Hospice care coverage
431:10A-120 Medical foods and low-protein modified food
products; treatment of inborn error of metabolism;
notice
431:10A-121 Coverage for diabetes
431:10A-131 Insurance fraud; penalties
Part II. Group and Blanket Disability Insurance
431:10A-201 Definitions
431:10A-202 Health care groups
431:10A-203 Standard provisions
431:10A-204 Optional provision, examination and autopsy
431:10A-205 Payment of benefits
431:10A-206 Coverage of newborn children
431:10A-206.5 Coverage for child health supervision services
431:10A-207 Coverage for specific services
431:10A-208 Qualified medical child support order
Part III. Medicare Supplement Policies
431:10A-301 Definitions
431:10A-302 Applicability and scope
431:10A-303 Repealed
431:10A-304 Standards for policy provisions
431:10A-305 Rules
431:10A-306 Loss ratio standards
431:10A-307 Disclosure standards
431:10A-308 Notice of free examination
431:10A-309 Filings; approval of forms
431:10A-310 Filing requirements for advertising
431:10A-311 Penalties
431:10A-312 Severability
Part IV. Extended Health Insurance
431:10A-401 Purpose
431:10A-402 Definitions
431:10A-403 Association of insurers; policyholder; policy
431:10A-404 Persons authorized to transact insurance
431:10A-404.5 Genetic information nondiscrimination in extended
health insurance coverage
431:10A-405 Association; powers, process; examination
431:10A-406 Forms; rates; approval
431:10A-407 Duplication of benefits; adjustment
431:10A-408 Annual report filed by association
431:10A-409 Articles of association; agent, membership list;
deception
431:10A-410 Violation of other laws
Part V. Long-Term Care Insurance--Repealed
431:10A-521 to 531 Repealed
Part VI. Miscellaneous Provisions
431:10A-601 Reciprocal beneficiary family coverage defined;
policyholder and employer responsibility for
costs; availability
431:10A-602 Federally funded programs; exemption
431:10A-603 Self-employed persons, exemption
431:10A-604 Bona fide trade associations
ARTICLE 10B. CREDIT LIFE INSURANCE
AND CREDIT DISABILITY INSURANCE
431:10B-101 Purpose
431:10B-102 Scope
431:10B-103 Definitions
431:10B-104 Forms of credit life insurance and credit
disability insurance
431:10B-105 Amount of credit life insurance and credit
disability insurance
431:10B-106 Term of credit life and credit disability
insurance
431:10B-107 Provisions of policies and certificates of
insurance: disclosure to debtors
431:10B-108 Filing, approval, and withdrawal of forms and
premium rates
431:10B-109 Premiums and refunds
431:10B-110 Issuance of policies
431:10B-111 Claims
431:10B-112 Existing insurance and choice of insurer
431:10B-113 Enforcement
431:10B-114 Penalties
ARTICLE 10C. MOTOR VEHICLE INSURANCE
Part I. General Provisions
431:10C-101 Short title
431:10C-102 Purpose
431:10C-103 Definitions
431:10C-103.5 Personal injury protection benefits; defined;
limits
431:10C-103.6 Personal injury protection benefits tied to
prepaid health care plan for description of
coverage only
431:10C-104 Conditions of operation and registration of motor
vehicles
431:10C-104.5 Repealed
431:10C-105 Self-insurance
431:10C-106 Specialty insurers not prohibited
431:10C-107 Verification of insurance: motor vehicles
431:10C-108 Unlawful use of motor vehicle insurance
identification card
431:10C-109 Motor vehicle insurance identification card after
cancellation of policy; return to insurer, civil
sanctions
431:10C-110 Rejection of application, joint underwriting plan
placement
431:10C-111 Cancellation and nonrenewal of policies: when
prohibited, when permitted
431:10C-111.5 Limit on nonrenewals and conditional renewals
431:10C-112 Notice of cancellation or nonrenewal; effect on
term of coverage
431:10C-112.5 Notice of cancellation for insurer ceasing to
issue motor vehicle insurance policies
431:10C-113 Violation of rejection, cancellation and
nonrenewal provisions
431:10C-114 Insured's obligations upon termination of
insurance
431:10C-115 Drivers education fund underwriters fee
431:10C-115.5 Repealed
431:10C-115.6 Disclosure of personal injury protection limits
and payments
431:10C-115.7 Plain language billings
431:10C-116 Challenges to motor vehicle insurance law;
intervention by attorney general
431:10C-117 Penalties
431:10C-117.5 Additional civil liability
431:10C-118 Fee in lieu of fine; defense
431:10C-119 Insurer's requirements
431:10C-120 Prohibitions, penalty
431:10C-121 Severability
Part II. Rates and Administration
431:10C-201 Motor vehicle insurance rates generally
431:10C-202 Making of motor vehicle insurance rates
431:10C-202.5 Immediate rate freeze; rate reduction; relief
431:10C-203 Rate filings
431:10C-204 Repealed
431:10C-205 Rate review: request by aggrieved party
431:10C-206 Repealed
431:10C-206.5 Group insurance plans
431:10C-207 Discriminatory practices prohibited
431:10C-208 Increase in premiums prohibited
431:10C-209 Rate administration
431:10C-209.5 Intervention by commissioner to adjust rates
431:10C-210 Publication of premium rates
431:10C-211 Attorney's fees
431:10C-212 Administrative hearing on insurer's denial of
claim
431:10C-213 Arbitration
431:10C-213.5 Binding arbitration
431:10C-214 Administration
431:10C-215 Inspection and audit
431:10C-216 Annual review
Part III. Coverages and Rights
431:10C-301 Required motor vehicle policy coverage
431:10C-301.5 Covered loss deductible
431:10C-302 Required optional additional insurance
431:10C-302.5 Managed care option
431:10C-303 Right to personal injury protection benefits
431:10C-303.5 U-drive insurance policy; primary
431:10C-304 Obligation to pay personal injury protection
benefits
431:10C-305 Source of payment
431:10C-305.5 Right to reimbursement of deductible paid; when
431:10C-306 Abolition of tort liability
431:10C-307 Reimbursement of duplicate benefits
431:10C-307.7 Insurance fraud; penalties
431:10C-307.8 Insurance fraud investigations unit
431:10C-308 Repealed
431:10C-308.5 Limitation on charges
431:10C-308.6 Repealed
431:10C-308.7 Client-patient referrals, health care provider
practices prohibited
431:10C-309 Total loss motor vehicle claims
431:10C-310 Total loss motor vehicle claims: replacement
431:10C-311 Total loss motor vehicle claims: cash settlement
431:10C-312 Payment of excise tax and certificate of
ownership fee
431:10C-313 Insurer practices regarding loss of use, storage
and towing, and betterment
431:10C-313.5 Preferred repair provider
431:10C-313.6 Original equipment manufacturer's and like kind
and quality parts
431:10C-314 Jurisdiction
431:10C-315 Statute of limitations
Part IV. Joint Underwriting Plan
Subpart A. Participation and Administration
431:10C-401 Participation
431:10C-402 Bureau
431:10C-403 Bureau's duties
431:10C-404 Allocation of costs
431:10C-405 Board of governors
431:10C-406 Regulations, review, and appellate procedure
Subpart B. Coverages and Assignment of Claims
431:10C-407 Classifications
431:10C-408 Assigned claims
Subpart C. Rates
431:10C-409 Establishment and criteria
431:10C-410 Schedules
431:10C-411 Optional additional coverages
431:10C-412 Adjustment and refund
Part V. Motorcycles and Motor Scooters--Repealed
431:10C-501 to 504 Repealed
Part VI. Self-Insurer Requirements
431:10C-601 Agreement
431:10C-602 Surety bond or deposit of security; proof
of financial ability
431:10C-603 Proof of ability to process and pay claims
promptly
431:10C-604 Issuance of certificate of self-insurance
431:10C-605 Duty to notify commissioner
431:10C-606 Duration of certification
431:10C-607 Revocation of certificate of self-insurance
431:10C-608 Termination of self-insurer status and
withdrawal of security deposit
ARTICLE 10D. LIFE INSURANCE AND ANNUITIES
Part I. Individual Life Insurance, Annuities and Pure
Endowment Contracts
431:10D-101 Scope
431:10D-102 Standard provisions required
431:10D-103 Policy loan interest rates for policies issued
after June 22, 1982
431:10D-104 Standard nonforfeiture law; life insurance
contracts
431:10D-105 Annuities and pure endowment contracts; standard
provisions required
431:10D-106 Reversionary annuities; standard provisions
required
431:10D-107 Standard nonforfeiture law; individual deferred
annuities
431:10D-108 Limitation of liability
431:10D-109 Scope of incontestable clauses
431:10D-110 Incontestability after reinstatement
431:10D-111 Premium deposits
431:10D-112 Policy settlements
431:10D-113 Indebtedness deducted from proceeds
431:10D-114 Miscellaneous proceeds
431:10D-115 Dealing in dividends
431:10D-116 Prohibited policy plans
431:10D-117 Life franchise plan
431:10D-118 Variable contracts
Part II. Group Life Insurance
431:10D-201 Group life insurance requirements
431:10D-202 Employee groups
431:10D-203 Debtor groups
431:10D-204 Labor union groups
431:10D-205 Trustee groups
431:10D-206 Agent groups
431:10D-207 Public employee association groups
431:10D-208 Mutual benefit society groups
431:10D-209 Professional association groups
431:10D-210 Occupation, industry, or trade association groups
431:10D-211 Credit union groups
431:10D-212 Spouses and dependents of insured individuals
431:10D-213 Standard provisions required
431:10D-214 Notice to insured regarding conversion right
431:10D-215 Assignment of policies
Part III. Industrial Life Insurance
431:10D-301 Scope
431:10D-302 General life insurance provisions applicable
431:10D-303 Industrial life insurance defined
431:10D-304 Compliance required
431:10D-305 Standard provisions required
431:10D-306 Title on policy
431:10D-307 Beneficiary
431:10D-308 Facility of payment
431:10D-309 Premiums paid direct
431:10D-310 Application to term and specified insurance
431:10D-311 Crediting of dividends
431:10D-312 Prohibited provisions
431:10D-313 Limitation of liability
Part IV. Life Insurance Policy Illustrations
431:10D-401 Scope
431:10D-402 Definitions
431:10D-403 Policies to be illustrated
431:10D-404 General requirements and prohibitions
431:10D-405 Standards for basic illustrations
431:10D-406 Standards for supplemental illustrations
431:10D-407 Delivery of illustration and record
retention
431:10D-408 Annual reports and notice to policy owners
431:10D-409 Annual certifications
431:10D-410 Penalties
431:10D-411 Authority to adopt rules
431:10D-412 Repealed
Part V. Replacement of Life Insurance
Policies and Annuities
431:10D-501 Purpose and scope
431:10D-502 Definitions
431:10D-503 Duties of producers
431:10D-504 Duties of insurers that use producers
431:10D-505 Duties of replacing insurers that use
producers
431:10D-506 Duties of the existing insurer
431:10D-507 Duties of insurers with respect to
direct-response solicitations
431:10D-508 Violations and penalties
431:10D-509 Authority to adopt rules
431:10D-510 Repealed
ARTICLE 10D. LIFE INSURANCE AND ANNUITIES
Part VI. Annuity Disclosure
431:10D-601 Definitions
431:10D-602 Applicability of standards for disclosure
431:10D-603 Standards for the disclosure document and buyer's
guide
431:10D-604 Report to contract owners
431:10D-605 Penalties
Part VII. Suitability in Annuity Transactions
431:10D-621 Scope
431:10D-622 Definitions
431:10D-623 Duties of insurers and insurance producers
431:10D-624 Mitigation of responsibility
431:10D-625 Recordkeeping
ARTICLE 10E. PROPERTY INSURANCE
431:10E-101 Insurable interest in property required
431:10E-102 Over-insurance prohibited; exceptions
431:10E-103 Exceptions
ARTICLE 10F. SURETY INSURANCE
431:10F-101 Requirements deemed met by surety insurer
431:10F-102 Fiduciary bonds, expense
431:10F-103 Court bonds, costs
431:10F-104 Release from liability
431:10F-105 Directed suretyship; coercion of contractors
ARTICLE 10G. MOTORCYCLE AND MOTOR SCOOTER INSURANCE
Part I. General Provisions
431:10G-101 Definitions
431:10G-102 Conditions of operation and registration of
motorcycles and motor scooters
431:10G-103 Motorcycle or motor scooter self-insurance
431:10G-104 Prerequisites for obtaining coverage
431:10G-105 Tort liability
431:10G-106 Verification of insurance
431:10G-107 Drivers education fund underwriters fee;
motorcycle and motor scooter operators education
fund
431:10G-108 Penalties
431:10G-109 Rules
Part II. Rates and Administration
431:10G-201 Making of motorcycle and motor scooter insurance
rates
431:10G-202 Rate filings
431:10G-203 Rate review: request by aggrieved party
431:10G-204 Rate review: rate methods in noncompliance with
article
431:10G-206 Rate administration
Part III. Coverages and Rights
431:10G-301 Required motorcycle and motor scooter policy
coverage
ARTICLE 10H. LONG-TERM CARE INSURANCE
Part I. Long-Term Care Insurance Model Act
431:10H-101 Purpose
431:10H-102 Scope
431:10H-103 Short title
431:10H-104 Definitions
431:10H-105 Extraterritorial jurisdiction; group policies
431:10H-106 Rules
431:10H-106.5 Producer training requirements
431:10H-107 Basic standards
431:10H-108 Preexisting conditions--group and individual
policies
431:10H-109 Prior hospitalization; prior institutionalization
431:10H-110 Loss ratio standards; factors; commissioner
approval
431:10H-111 Right to return; free look provision
431:10H-112 Outline of coverage required
431:10H-113 Group policy certificate requirements
431:10H-114 Life insurance policies offering long-term care
benefits
431:10H-115 Incontestability period--group and individual
policies
431:10H-116 Nonforfeiture benefits
431:10H-116.5 Delivery of the contract or certificate of
insurance
431:10H-116.6 Denial of claims; compliance requirements
431:10H-117 Authority to adopt rules
Part II. Long-Term Care Insurance Model Regulation
431:10H-201 Policy definitions
431:10H-202 Renewability
431:10H-202.5 Licensing
431:10H-203 Limitations and exclusions
431:10H-204 Extension of benefits
431:10H-204.5 Electronic enrollments for group policies
431:10H-205 Continuation or conversion
431:10H-206 Discontinuance and replacement
431:10H-207 Premiums charged--group and individual policies
431:10H-207.5 Premium rate schedule increases
431:10H-208 Unintentional lapse
431:10H-209 Lapse or termination for nonpayment of premium
431:10H-210 Reinstatement
431:10H-211 Disclosure; renewability
431:10H-212 Disclosure; riders and endorsements
431:10H-213 Disclosure; payment of benefits
431:10H-214 Disclosure; limitations
431:10H-215 Disclosure; other limitations and conditions on
eligibility for benefits
431:10H-216 Disclosure of tax consequences
431:10H-217 Disclosure; benefit triggers
431:10H-217.5 Required disclosure of rating practices to
consumers
431:10H-218 Prohibition against post-claims underwriting
431:10H-219 Minimum standards for home health and community
care benefits
431:10H-220 Requirement to offer inflation protection; group
and individual policies
431:10H-221 Requirements for application forms and replacement
coverage
431:10H-222 Reporting requirements
431:10H-223 Discretionary powers of the commissioner
431:10H-224 Reserve standards; life insurance policies or
riders
431:10H-225 Reserve standards; insurance other than life
431:10H-226 Loss ratio
431:10H-226.5 Initial filing requirements
431:10H-227 Filing requirements; extraterritorial
431:10H-228 Filing requirements; advertisements
431:10H-229 Standards for marketing
431:10H-230 Standards of marketing--certain group policies
431:10H-231 Suitability
431:10H-232 Prohibition against preexisting conditions and
probationary periods in replacement policies and
certificates
431:10H-233 Nonforfeiture benefit requirement
431:10H-234 Standards for benefit triggers
431:10H-234.5 Additional standards for benefit triggers for
qualified long-term care insurance contracts
431:10H-235 Standard format outline of coverage; group and
individual policies
431:10H-236 Delivery of shopper's guide; group and individual
policies
431:10H-237 Penalties
Part III. Federal Conformity
431:10H-301 Group long-term care insurance policies
conformance to Health Insurance Portability and
Accountability Act and Internal Revenue Code
431:10H-302 Individual long-term care insurance policy
coverages
431:10H-303 Conflict with Health Insurance Portability and
Accountability Act
431:10H-304 Disclosure of qualification for tax benefits
Part IV. Universal Availability of Long-Term Care
Insurance
431:10H-401 Publicizing of policies
431:10H-402 Purchase of policy and payment of premiums on an
individual's behalf
ARTICLE 11. INSURANCE HOLDING COMPANY SYSTEM
431:11-101 Scope and purpose
431:11-102 Definitions
431:11-103 Subsidiaries of insurers
431:11-104 Acquisition of control or merger with domestic
insurer
431:11-104.1 Definitions
431:11-104.2 Scope
431:11-104.3 Preacquisition notification; waiting period
431:11-104.4 Competitive standard
431:11-104.5 Orders and penalties
431:11-104.6 Inapplicable provisions
431:11-105 Registration of insurers
431:11-106 Standards and management of an insurer within a
holding company system
431:11-107 Examination
431:11-108 Confidential treatment
431:11-109 Rules and regulations
431:11-110 Injunctions; prohibitions against voting
securities; sequestration of voting securities
431:11-111 Sanctions
431:11-112 Receivership
431:11-113 Recovery
431:11-114 Revocation, suspension, or nonrenewal of
insurer's license
431:11-115 Judicial review; mandamus
431:11-116 Conflict with other laws
431:11-117 Severability of provisions
ARTICLE 11A. BUSINESS TRANSACTED WITH PRODUCER
CONTROLLED PROPERTY/CASUALTY INSURER
431:11A-101 Definitions
431:11A-102 Applicability
431:11A-103 Minimum standards
431:11A-104 Disclosure
431:11A-105 Penalties
ARTICLE 12. MASS MERCHANDISING OF INSURANCE
431:12-101 Definitions
431:12-102 Applicability
431:12-103 Mass merchandising authorized
431:12-104 Mass merchandising prohibited; when
431:12-105 Mass merchandising requirements
431:12-106 Disclosure
431:12-107 Payroll deductions and premium collections
431:12-108 Employer's failure to remit premiums
431:12-109 Cancellation and nonrenewal
431:12-110 Premium rates
431:12-111 Readjustment of premiums; dividends
431:12-112 Underwriting standards
431:12-113 Statistics
431:12-114 Licenses
431:12-115 Establishment and maintenance of office
431:12-116 Rules
ARTICLE 13. UNFAIR METHODS OF COMPETITION AND
UNFAIR AND DECEPTIVE ACTS AND PRACTICES IN
THE BUSINESS OF INSURANCE
Part I. General Provisions
431:13-101 Purpose
431:13-102 Unfair methods of competition; unfair or
deceptive acts or practices prohibited
431:13-103 Unfair methods of competition and unfair or
deceptive acts or practices defined
431:13-104 Favored producer or insurer; coercion of debtors
431:13-105 Power of commissioner
431:13-106 Hearings
431:13-107 Commissioner's right of action
431:13-108 Reimbursement for accident and health or sickness
insurance benefits
Part II. Penalties and Judicial Review
431:13-201 Cease and desist and penalty orders; judicial
review
431:13-202 Penalty for violation of cease and desist orders
431:13-203 Rules
431:13-204 Provisions of sections additional to existing
laws
ARTICLE 14. RATE REGULATION
Part I. Casualty, Surety, Property, Marine and
Transportation Rate Regulation
431:14-101 Purpose
431:14-101.5 Definitions
431:14-102 Scope
431:14-103 Making of rates
431:14-103.3 Rate adjustment mandates
431:14-103.5 Contracting classification premium program
431:14-104 Rate filings
431:14-104.5 Loss cost filings
431:14-105 Policy revisions that alter coverage
431:14-105.5 Standing to intervene in rate filing and
ratemaking proceedings
431:14-106 Disapproval of filings
431:14-107 Rating organizations
431:14-107.1 Rating and advisory organizations, permitted
activity
431:14-107.2 Insurers and organizations, prohibited activity
431:14-107.3 Rating or advisory organizations, prohibited
activity
431:14-108 Deviations
431:14-109 Appeal by minority
431:14-110 Information to be furnished insureds; hearings
and appeals of insureds
431:14-110.5 Disclosure of workers' compensation premium
information
431:14-111 Advisory organizations
431:14-112 Joint underwriting or joint reinsurance
431:14-113 Examination
431:14-114 Rate administration
431:14-115 False or misleading information
431:14-116 Assigned risks
431:14-116.5 Assigned risk pool; experience rating plan
431:14-116.6 Assigned risk pool; residual market plan
431:14-117 Penalties
431:14-118 Hearing procedure and judicial review
431:14-119 Repealed
431:14-120 Additional powers for workers' compensation rate
filing and ratemaking
ARTICLE 14A. HAWAII EMPLOYERS' MUTUAL INSURANCE COMPANY
431:14A-101 Purpose
431:14A-102 Definitions
431:14A-103 Hawaii employers' mutual insurance company,
established
431:14A-104 Company divisions
431:14A-105 Board of directors, established
431:14A-106 Powers; generally
431:14A-107 Duties and responsibilities
431:14A-108 Administrator; appointment; duties
431:14A-109 Financial management
431:14A-109.5 Oversight council
431:14A-110 Premium rates, determination
431:14A-111 Reserves, investment
431:14A-112 Financial statements and other reports
431:14A-113 Annual accounting; dividends
431:14A-114 Audits
431:14A-115 Denial, cancellation, and termination
431:14A-116 Wilful misrepresentation and fraud
431:14A-117 Workplace safety and health programs
431:14A-118 Discontinuation of residual market plan
431:14A-119 Discontinuation of assigned risks
ARTICLE 14F. HEALTH INSURANCE RATE REGULATION--REPEALED
431:14F-101 to 113 Repealed
ARTICLE 14G. HEALTH INSURANCE RATE REGULATION
431:14G-101 Scope and purpose
431:14G-102 Definitions
431:14G-103 Making of rates
431:14G-104 Rate adjustment mandates
431:14G-105 Rate filings
431:14G-106 Policy revisions that alter coverage
431:14G-107 Disapproval of filings
431:14G-108 Managed care plans; prohibited activity
431:14G-109 Information to be furnished enrollees; hearings
and appeals of enrollees
431:14G-110 False or misleading information
431:14G-111 Penalties
431:14G-112 Hearing procedure and judicial review
ARTICLE 15. INSURERS SUPERVISION, REHABILITATION
AND LIQUIDATION
Part I. General Provisions
431:15-101 Construction and purpose
431:15-102 Persons covered
431:15-103 Definitions
431:15-103.5 Standards and authority
431:15-104 Jurisdiction and venue
431:15-105 Injunctions and orders
431:15-106 Cooperation of officers and employees
431:15-107 Commissioner's reports
431:15-108 Continuation of delinquency proceedings
Part II. Summary Proceedings and Supervisory
Proceedings
431:15-201 Commissioner's summary orders and supervision
proceedings
431:15-202 Court's seizure order
431:15-203 Confidentiality of hearings
Part III. Formal Proceedings
431:15-301 Grounds for rehabilitation
431:15-302 Rehabilitation orders
431:15-303 Powers and duties of the rehabilitator
431:15-304 Actions by and against rehabilitator
431:15-305 Termination of rehabilitation
431:15-306 Grounds for liquidation
431:15-307 Liquidation orders
431:15-308 Continuance of coverage
431:15-309 Dissolution of insurer
431:15-310 Powers of liquidator
431:15-311 Notice to creditors and others
431:15-312 Duties of producers
431:15-313 Actions by and against liquidator
431:15-314 Collection and list of assets
431:15-315 Fraudulent transfers prior to petition
431:15-316 Fraudulent transfer after petition
431:15-317 Voidable preferences and liens
431:15-318 Claims of holders of void or voidable rights
431:15-319 Setoffs and counterclaims
431:15-320 Assessments
431:15-321 Reinsurer's liability
431:15-322 Applicability of claims settlement provisions to
loss claims
431:15-323 Recovery of premiums owed
431:15-324 Domiciliary liquidator's proposal to distribute
assets
431:15-325 Filing of claims
431:15-326 Proof of claim
431:15-327 Special claims
431:15-328 Provisions for third party claims
431:15-329 Disputed claims
431:15-330 Claims of surety
431:15-331 Secured creditor's claims
431:15-332 Priority of distribution
431:15-333 Liquidator's recommendations to the court
431:15-334 Distribution of assets
431:15-335 Unclaimed and withheld funds
431:15-336 Termination of proceedings
431:15-337 Reopening liquidation
431:15-338 Disposition of records during and after
termination of liquidation
Part IV. Interstate Relations
431:15-401 Conservation of property of foreign or alien
insurers found in this State
431:15-402 Liquidation of property of foreign or alien
insurers found in this State
431:15-403 Domiciliary liquidators in other states
431:15-404 Ancillary formal proceedings
431:15-405 Ancillary summary proceedings
431:15-406 Claims of nonresidents against insurers domiciled
in this State
431:15-407 Claims of residents against insurers domiciled in
reciprocal states
431:15-408 Attachment, garnishment and levy of execution
431:15-409 Interstate priorities
431:15-410 Subordination of claims for noncooperation
431:15-411 Separability
ARTICLE 16. GUARANTY ASSOCIATIONS
Part I. Property and Liability Insurance Guaranty
Association
431:16-101 Title
431:16-102 Purpose
431:16-103 Scope
431:16-104 Construction
431:16-105 Definitions
431:16-106 Creation of association
431:16-107 Board of directors
431:16-108 Powers and duties of the association
431:16-109 Plan of operation
431:16-110 Duties and powers of the commissioner
431:16-111 Effect of paid claims
431:16-112 Exhaustion of other coverage
431:16-113 Prevention of insolvencies
431:16-114 Tax exemption
431:16-115 Recoupment of assessment
431:16-116 Immunity
431:16-117 Stay of proceedings
Part II. Life and Disability Insurance Guaranty
Association
431:16-201 Title
431:16-202 Purpose
431:16-203 Coverage and limitations
431:16-204 Construction
431:16-205 Definitions
431:16-206 Creation of the association
431:16-207 Board of directors
431:16-208 Powers and duties of the association
431:16-209 Assessments
431:16-210 Plan of operation
431:16-211 Duties and powers of the commissioner
431:16-212 Prevention of insolvencies
431:16-213 Credits for assessments paid
431:16-214 Miscellaneous provisions
431:16-215 Tax exemptions
431:16-216 Immunity
431:16-217 Stay of proceedings; reopening default judgments
431:16-218 Prohibited advertisement of association act in
insurance sales; notice to policyholders
431:16-219 Prospective application
ARTICLE 17. INSURANCE INFORMATION PROTECTION ACT--REPEALED
431:17-101 to 106 Repealed
ARTICLE 18. [RESERVED]
ARTICLE 19. CAPTIVE INSURANCE COMPANIES
431:19-101 Definitions
431:19-101.2 Confidential treatment
431:19-101.3 Classes of captive insurance
431:19-101.4 Service providers
431:19-101.5 Captive insurance administrator
431:19-101.6 Salary
431:19-101.7 General powers and duties
431:19-101.8 Captive insurance administrative fund
431:19-102 Certificate of authority
431:19-102.2 Personal lines insurance
431:19-102.3 Redomestication; approval as a domestic captive
insurer
431:19-102.4 Redomestication; conversion to foreign insurer
431:19-102.5 Repealed
431:19-103 Names of companies
431:19-104 Minimum capital and surplus
431:19-105 Repealed
431:19-106 Formation of captive insurance companies in
this State
431:19-106.3 Leased capital facilities
431:19-106.5 Conversion or merger of captive insurers
431:19-107 Financial statements and other reports
431:19-108 Examinations and investigations
431:19-109 Grounds and procedures for suspension and
revocation of certificate of authority
431:19-110 Investments
431:19-111 Reinsurance
431:19-111.5 Class 5 companies
431:19-112 Rating organizations; memberships
431:19-113 Exemption from compulsory associations
431:19-114 Rules
431:19-115 Laws applicable
431:19-115.5 Applicability of other laws to captive insurance
companies writing motor vehicle insurance
policies in this State
431:19-115.6 Applicability of other laws to captive insurance
companies writing credit life or other credit
disability insurance policies
431:19-116 Taxation
ARTICLE 20. TITLE INSURANCE AND TITLE INSURERS
431:20-101 Scope
431:20-102 Definitions
431:20-103 General insurance law applicable
431:20-104 Particular provisions prevail
431:20-105 Authorized business
431:20-106 Restrictions on business
431:20-106.5 Escrow depositories
431:20-107 Capital requirements
431:20-108 Guarantee fund
431:20-109 Limitations on compliance with section 431:20-107
and section 431:20-108
431:20-110 Purchase of materials and plant; valuation
431:20-110.5 Dividends
431:20-111 Loans to officers, etc.
431:20-112 Limit of risk
431:20-113 Underwriting standards and record retention
431:20-114 Reinsurance reserve
431:20-115 Use of reinsurance reserve on liquidation,
dissolution or insolvency
431:20-116 Loss and loss expense reserve
431:20-117 Reinsurance
431:20-118 Prohibition on rebates and inducements
431:20-119 Division of fees
431:20-120 Schedules of premiums and charges
431:20-121 Contract forms, filing, disapproval
431:20-122 Annual statement
431:20-123 Remedies
431:20-124 Additional penalty
431:20-125 Revocation or suspension of title insurer's
certificate of authority
ARTICLE 21. HAWAII PROPERTY INSURANCE ASSOCIATION
431:21-101 Purpose
431:21-102 Definitions
431:21-103 Creation of association
431:21-104 Board of directors
431:21-105 Powers and duties of the association
431:21-105.5 Default in payment of assessments
431:21-106 Plan of operation
431:21-107 Designation of area
431:21-108 Renewals of existing policies
431:21-109 Insurance coverages available under plan
431:21-110 Application; inspection
431:21-111 Duties and powers of the commissioner
431:21-112 Reports
431:21-113 Appeals
431:21-114 Tax exemptions
431:21-115 Credits for assessments paid
431:21-116 Examination
431:21-117 Immunity and limitation on liability
431:21-118 Status of association policies
ARTICLE 22. LOSS MITIGATION GRANT PROGRAM
431:22-101 Definitions
431:22-102 Loss mitigation grant fund
431:22-103 Establishment of loss mitigation grant program
431:22-104 Standards for the award of grants
431:22-105 Technical advisory committee
ARTICLE 30. INTERSTATE INSURANCE PRODUCT REGULATION COMPACT
431:30-101 Scope
431:30-102 Definitions
431:30-103 Establishment of the commission and venue
431:30-104 Powers of the commission
431:30-105 Appointment to commission
431:30-106 Membership; voting; bylaws
431:30-107 Management committee; officers and personnel
431:30-108 Legislative and advisory committees
431:30-109 Corporate records of the commission
431:30-110 Qualified immunity; defense; indemnification
431:30-111 Meetings and acts of the commission
431:30-112 Rules and operating procedures; rulemaking
functions of the commission and rejection of
uniform standards
431:30-113 Commission records and enforcement
431:30-114 Dispute resolution
431:30-115 Product filing and approval
431:30-116 Review of commission decisions regarding product
filings
431:30-117 Finance
431:30-118 Compacting states; effective date; amendment
431:30-119 Withdrawal
431:30-120 Default
431:30-121 Dissolution of compact
431:30-122 Severability and construction
431:30-123 Other laws
431:30-124 Binding effect of the compact
Cross References
Civil relief for state military forces, see chapter 657D.