QUICK NOTES Insurance Schools, Inc. Supplemental Study Guide. For NEW YORK

Size: px
Start display at page:

Download "QUICK NOTES Insurance Schools, Inc. Supplemental Study Guide. For NEW YORK"

Transcription

1 QUICK NOTES Insurance Schools, Inc. Supplemental Study Guide For NEW YORK LIFE, ACCIDENT & HEALTH INSURANCE AGENT / BROKER EXAMINATION SERIES (April 2015 Edition) Click here to purchase the New York Life, Accident & Health online practice exam simulator which contains nearly 3,000 questions including state specific insurance law questions for New York. What is Insurance Schools Quick Notes Study Guide? Insurance Schools Quick Notes Study Guide is a comprehensive study guide that follows the Prometric state exam content outline and covers every topic listed on the New York Life, Accident & Health Insurance Agent/Broker Examination (Series 17-55). This supplemental study guide is designed to be used as an adjunct learning tool along with our online practice exam simulator and is not a substitute for the required New York prelicensing education course. Insurance Schools Quick Notes Study Guide does not meet the New York prelicensing education course requirement and no course completion certificate will be issued based upon the purchase of this product. Excerpts of New York laws and regulations cited in this study guide have been condensed to emphasize important, testable topics you will see on your state exam. This study guide should not be used as a substitute for competent legal advice.

2 1.0 Insurance Regulation 9% of State Exam 1.1 Licensing Process (2103(d i) The Superintendent may issue a license to any person, firm or corporation who has complied with the requirements of the Insurance Code, authorizing the licensee to act as agent of any authorized insurer. Every individual applicant for a license under this section and every proposed sub-licensee must be 18 years of age or older at the time of issuance of such license. The person must submit to and pass a written examination required by the Superintendent. Definitions Producer Definition (2101(k)) - An insurance producer means an insurance agent, insurance broker, reinsurance intermediary, excess lines broker, or any other person required to be licensed under the insurance laws of this state to sell, solicit or negotiate insurance. Who Should be Licensed (2101(k)(1)) - The term insurance producer does not include: An officer, director or employee of a licensed insurer, fraternal benefit society or health maintenance organization or of a licensed insurance producer, provided that the officer, director or employee does not receive any commission on policies written or sold to insure risks residing, located or to be performed in this state and: (a) the officer, director or employee's activities are executive, administrative, managerial, clerical or a combination of these, and are only indirectly related to the sale, solicitation or negotiation of insurance; (b) the officer, director or employee's function relates to underwriting, loss control, Inspection or the processing, adjusting, investigating or settling of a claim on a contract of Insurance; or (c) the officer, director or employee is acting in the capacity of a special agent or agency supervisor assisting licensed insurance producers where the person s activities are limited to providing technical advice and assistance to licensed insurance producers and do not include the sale, solicitation or negotiation of insurance. Home State (2101(l)) - Home state means the District of Columbia or any state or territory of the United States in which an insurance producer maintains his, her or its principal place of residence or principal place of business and is licensed to act as an insurance producer. Quick Notes - New York Life, Accident & Health Insurance Agent/Broker - 1

3 Negotiate (2101(m)) - Negotiate or negotiation means the act of conferring directly with or offering advice directly to a purchaser or prospective purchaser of a particular contract of insurance concerning any of the substantive benefits, terms or conditions of the contract, provided that the person engaged in that act either sells insurance or obtains insurance from licensed insurers, fraternal benefit societies or health maintenance organizations for purchasers. Sell (2101(n)) - Sell or sale means to exchange a contract of insurance by any means, for money or its equivalent, on behalf of a licensed insurer, fraternal benefit society or health maintenance organization. Solicit (2101(o)) - Solicit or solicitation means attempting to sell insurance or asking or urging a person to apply for a particular kind of insurance from a particular licensed insurer, fraternal benefit society or health maintenance organization. Types of Licensees Agents (2101(a, k)); 2103; Reg. 6, Part 22.2; Reg. 7, Part 23.2) 2101(a) In this section, insurance agent means any authorized or acknowledged agent of an insurer, fraternal benefit society or health maintenance organization issued a certificate of authority pursuant to the public health law, and any sub-agent or other representative of such an agent, who acts as such in the solicitation of, negotiation for, or sale of, an insurance, health maintenance organization or annuity contract, other than as a licensed insurance broker. 2101(k) In this section, insurance producer means an insurance agent, insurance broker, reinsurance intermediary, excess lines broker, or any other person required to be licensed under the insurance laws of this state to sell, solicit or negotiate insurance. The applicant must be at least 18 years of age at the time of license issuance. An examination is required for each applicant, except where noted for applicants with a change in residency moving to New York (see code 2103 below). Holders of certain professional designations such as CLU or CPCU may also be exempt. Brokers (2101(c, h, k); 2104)) A broker refers to: 2101(c) a licensed insurance representative who does not represent a specific insurance company, but places business among various companies. Legally, the broker is usually regarded as a representative of the insured rather than the insuring company. 2101(h) any licensed attorney at law of this state. Quick Notes - New York Life, Accident & Health Insurance Agent/Broker - 2

4 Consultants (2107) - The Superintendent may issue an insurance consultant s license to any person, firm, association or corporation who or which has complied with the requirements of this chapter with respect to either: life insurance, meaning all of those kinds of insurance authorized. Any such license issued to a firm or association shall authorize only the members of such firm or association named in such license as sub-licensees to act individually as consultants there under, and any such license issued to a corporation shall authorize only the officers and directors thereof named in such license as sub-licensees to act individually as consultants there under. Adjusters (2101(g), 2108) 2101(g) The Superintendent may, in his discretion require an applicant for a license under this section to present evidence, in such form as he prescribes, that such applicant has been employed, for a period which he deems reasonable, by an insurer, an independent adjuster or a public adjuster, in the performance of duties which in his opinion would provide the applicant with a satisfactory preliminary training for the duties and responsibilities which would evolve upon him as a licensee under this section. The term independent adjuster means any person, firm, association or corporation who for money, commission or any other thing of value, acts in this state on behalf of an insurer in the work of investigating and adjusting claims arising under insurance contracts issued by such insurer and who performs such duties required by such insurer as are incidental to such claims and also includes any person who for compensation or anything of value investigates and adjusts claims on behalf of any independent adjuster Adjusters will be licensed as either independent adjusters, or as public adjusters. The Superintendent may prescribe the types of independent adjusters' licenses according to the kind or kinds of insurance claims which the licensee is to be authorized to investigate and adjust. No adjuster may act on behalf of an insurer unless licensed as an independent adjuster, and no adjuster may act on behalf of an insured unless licensed as a public adjuster. A public adjuster works on behalf of the insured for a fee. Nonresident (2101(d, e); 2103(g)(5, 11); 2136) 2101(d) In this section, non-resident insurance agent means an individual who is a non-resident of this state and who is licensed or authorized to act as an insurance agent in the state in which he resides, or in which he or the firm or association of which he is a member or employee, or the corporation, of which he is an officer, director, or employee maintains an office as an insurance agent. 2101(e) In this section, non-resident insurance broker", means an individual who is a non-resident of this state and who is licensed or authorized to act as an insurance broker in the state in which he resides, or in which he, or the firm or association of which he is a member or employee, or the corporation, of which he is an officer, director or employee maintains an office as an insurance broker. Quick Notes - New York Life, Accident & Health Insurance Agent/Broker - 3

5 2103(g)(5) In the discretion of the Superintendent, no written insurance examination will be required of any individual seeking to be named as a licensee or sub-licensee who is a non-resident insurance agent. 2103(g)(11) No written insurance examination will be required of any individual who applies for an insurance agent license in this state who was previously licensed for the same line or lines of authority in another state, provided, however, that the applicant's home state grants non-resident licenses to residents of this state on the same basis. Such individual shall also not be required to complete any prelicensing education. This exemption is only available if the person is currently licensed in that state or if the application is received within 90 days of the date of cancellation of the applicant's previous license and if the prior state issues a certification that, at the time of cancellation, the applicant was in good standing in that state or the state's producer database records, maintained by the National Association of Insurance Commissioners, its affiliates or subsidiaries indicate that the producer is or was licensed in good standing for the line of authority requested. An individual or entity licensed in another state that moves to this state must make an application within 90 days of establishing legal residence to become a resident licensee. No prelicensing education or examination will be required of that person to obtain any line of authority previously held in the prior state except where the Superintendent determines otherwise by regulation Reciprocity - The Superintendent shall waive any requirements for a nonresident license applicant otherwise applicable under this chapter if: (a) the applicant has a current and valid license in his or her home state and is in good standing in his or her home state; (b) the applicant has submitted a completed application in the form prescribed by the Superintendent or submitted the application for licensure submitted to his or her home state; (c) the applicant has paid the fees required by this chapter; and (d) the applicant's home state awards nonresident insurance producer licenses to residents of this state on the same basis as provided in this subsection. Business Entities (2101(p); 2103(e)) 2101(p) A business entity means a corporation, association, partnership, limited liability company, limited liability partnership or other legal entity. 2103(e) Before any original insurance agent s license is issued to a business entity, there must be on file in the office of the Superintendent an application by the prospective licensee in such form or forms and supplements, and containing information the Superintendent prescribes and for each business entity, the sub-licensee or sub-licensees named in the application must be designated responsible for the business entity s compliance with the insurance laws, rules and regulations of this state. Quick Notes - New York Life, Accident & Health Insurance Agent/Broker - 4

6 Temporary License (2109; Regs. 9, 18, 29, Part 20.1) A temporary license may be issued in the case of death, service in armed forces or disability. The Superintendent may issue a temporary insurance agent's or insurance broker's license, or both, without requiring the applicant to pass a written insurance examination or to satisfy certain requirements except as to age in the following cases: (1) In the event of the death of a person who at the time of his death was a licensed accident and health insurance agent; (a) to the executor or administrator of the estate of such deceased agent or broker; (b) to a surviving next of kin of such deceased agent or broker, where no administrator of his estate has been appointed and no executor has qualified under his duly probated will; (c) to the surviving member or members of a firm or association, which at the time of the death of a member was such a licensed insurance agent or licensed insurance broker; or (d) to an officer or director of a corporation upon the death of the only officer or director who was qualified as a sub-licensee or to the executor or administrator of the estate of such deceased officer or director; (2) to any person who may be designated by a person licensed pursuant to this chapter as an insurance agent, or an insurance broker, or both, and who is absent because of service in any branch of the armed forces of the United States. (3) to the next of kin of a person who has become totally disabled and prevented from pursuing any of the duties of his or her occupation, and who at the commencement of his or her disability the license or licenses may be issued for a term not exceeding 90 days from the death of such additional term or terms of 90 days each, not exceeding in the aggregate 15 months. The Superintendent may issue renewal licenses for an additional term or terms of 90 days each exceeding the aggregate period of 15 months when in his judgment it will best serve the interests of any person serving in the armed forces of the United States. No person holding a temporary license is permitted to solicit new business under the temporary license. Maintenance and Duration Renewal (2103(j); Reg. 5, Part 21.2) All individual insurance agent licenses must be renewed every two years. Individual licenses are issued with an expiration date determined by the date of birth: The license of an agent born in an even numbered year will expire on the agent s birthday in an even numbered year. The license of an agent born in an odd numbered year will expire on the agent s birthday in an odd numbered year. Quick Notes - New York Life, Accident & Health Insurance Agent/Broker - 5

7 Adjuster licenses are not determined on a birth date renewal. Adjuster licenses expire on December 31 st of even-numbered years. Continuing Education (2108, 2132) Resident Licensees - All licensed agents, brokers, consultants and public adjusters must complete continuing education (CE) requirements as a condition of renewing these licenses. Licensees must complete 15 credits of approved continuing education during each biennial licensing period. After your license has been renewed the first time, continuing education (CE) will always be required upon subsequent renewal or relicensing applications. Credits must be accumulated during the renewal period, which begins with the effective date of the license and ends with the expiration date. CE must be completed before processing the renewal or relicensing application. Assumed Names (2102(f)) Licensees must notify the Superintendent upon changing his, her or its legal name. Except for an individual licensee s own legal name, no licensee may use any name, in conducting a business regulated by this article that has not been previously approved by the Superintendent. Change of Address (All Addresses, including ) - (2134; Reg. 5, Part 21.4; Reg. 6, Part 22.3; Reg. 7, Part 23.4) Licensees must inform the Superintendent by a means acceptable to the Superintendent of a change of business or residence address within 30 days of the change. This also includes addresses. Reporting of Actions (2110(i) Licensees must report to the Superintendent any administrative action taken against the licensee in another jurisdiction or by another governmental agency in this state within 30 days of the final disposition of the matter. This report must include a copy of the order, consent to order or other relevant legal documents. Disciplinary Actions Cease and Desist Order (2405) - Whenever the Superintendent has reason to believe that a person has committed or is committing a defined violation or has been engaged in or is engaging in any method of competition, or any act or practice, which could become a determined violation and that a proceeding thereon would be in the interest of the public, he shall serve upon that person a statement of the charges and notice of a hearing to be held at a time not less than 10 days after the date of service of the notice and at the place fixed in the notice. The person will be given an opportunity at the hearing to be heard personally or by counsel. Anyone violating a cease and desist order may be subjected to a fine of up to $5,000 for each violation. Quick Notes - New York Life, Accident & Health Insurance Agent/Broker - 6

8 Hearings - Notice and Process (2405, Financial Services 305) - A statement of the charges and notice of a hearing to be held at a time not less than 10 days after the date of service of the notice and at the place fixed in the notice. Suspension, Revocation, and Nonrenewal (2110) - The Superintendent may refuse to renew, revoke, or may suspend, for a period the Superintendent determines, the license of any insurance producer, insurance consultant or adjuster, if, after notice and hearing, the Superintendent determines that the licensee or any sub-licensee has: 1. violated any insurance laws, regulation, subpoena or order of the Superintendent of Insurance or of another state's Insurance Commissioner, or has violated any law in the course of his dealings in such capacity; 2. provided materially incorrect, materially misleading, materially incomplete or materially untrue information in the license application; 3. obtained or attempted to obtain a license through misrepresentation or fraud; 4. has used fraudulent, coercive or dishonest practices, demonstrated incompetence, demonstrated untrustworthiness, or demonstrated financial irresponsibility in the conduct of business in this state or elsewhere; 5. improperly withheld, misappropriated or converted any monies or properties received in the course of business in this state or elsewhere; 6. intentionally misrepresented the terms of an actual or proposed insurance contract or application for insurance; 7. has been convicted of a felony; 8. admitted or been found to have committed any insurance unfair trade practice or fraud; 9. had an insurance producer license, or its equivalent, denied, suspended or revoked in any other state, province, district or territory; 10. forged another s name to an application for insurance or to any document related to an insurance transaction; 11. improperly used notes or any other reference material to complete an examination for an insurance license; 12. knowingly accepted insurance business from an individual who is not licensed; 13. failed to comply with an administrative or court order imposing a child support obligation; or 14. failing to pay state income tax or comply with any administrative or court order directing payment of state income tax. Before revoking or suspending the license of any insurance producer or other licensee pursuant to the provisions of this article, the Superintendent will give notice to the licensee and to every sublicensee and will hold, or cause to be held, a hearing not less than 10 days after giving notice. If an insurance producer s license or other licensee's license pursuant to the provisions of this article is revoked or suspended by the Superintendent, the Superintendent will give notice to the licensee. Quick Notes - New York Life, Accident & Health Insurance Agent/Broker - 7

9 No individual, corporation, firm or association whose license as an insurance producer or other licensee has been revoked, and no firm or association of which such individual is a member, will be entitled to obtain any license under the provisions of this chapter for a period of one year after such revocation, or, if such revocation be judicially reviewed, for one year after the final determination affirming the action of the Superintendent in revoking such license. Before revoking the license of any non-resident insurance producer the Superintendent will give 10 days' notice in writing to the licensee of the action proposed to be taken. The Superintendent retains the authority to enforce the provisions of and impose any penalty or remedy. All licensees must report to the Superintendent any administrative action taken against the licensee in another jurisdiction or by another governmental agency in this state within 30 days of the final disposition of the matter. Within 30 days of the initial pretrial hearing date, a licensee must report to the Superintendent any criminal prosecution of the licensee taken in any jurisdiction. Penalties (2127): The Superintendent, in lieu of revoking or suspending the license of a licensee, may in any one proceeding by order, require the licensee to pay a penalty in a sum not exceeding $500 for each offense, and a penalty in a sum not exceeding $2,500 in the aggregate for all offenses. Upon the failure of such a licensee to pay such penalty ordered within 20 days after the mailing of such order, postage prepaid, registered, and addressed to the last known place of business of such licensee, unless such order is stayed by an order of a court of competent jurisdiction, the Superintendent may revoke the license of such licensee or suspend the same for such period as he determines. 1.2 State Regulation Superintendent's General Duties and Powers (2404, Financial Services 201, 202, 301) The Superintendent is empowered to: Examine and investigate into the affairs of any person in order to determine whether the person has violated or is violating the insurance and regulations of this state. Responses to requests for information by the Superintendent should be made not less than 15 business days. The Superintendent is authorized, after notice and hearing, to levy a civil penalty against such person in an amount not to exceed $500 per day for each day beyond the date specified by the Superintendent for response, but in no event will such penalty exceed $10,000. Quick Notes - New York Life, Accident & Health Insurance Agent/Broker - 8

10 In the event the Superintendent levies five separate civil penalties against any one person within five years for failure to comply with this section, the Superintendent is authorized, after notice and hearing, to levy an additional civil penalty against not to exceed $50,000. The Superintendent is also authorized to levy additional civil penalties not to exceed $50,000, after notice and hearing, against such person for every five subsequent violations of this section within a five year period. Any licensee may surrender his or her license in lieu of payment of any civil penalty imposed by the Superintendent. Company Regulation Certificate of Authority (1102) The certificate of authority is an insurer s license to transact insurance in this state as an authorized insurer. Solvency (307) It is required that each insurer file annual financial statements for review by the Superintendent to determine the continued solvency of the insurer. Unfair Claim Settlement Practices (2601; Reg. 64, Part ) - Unfair settlement practices include: Knowingly misrepresenting to a claimant pertinent facts or policy provisions related to the coverages at issue. Failing to acknowledge within reasonable time, communications with respect to claims arising out of its policies. Failing to adopt and implement reasonable standards of prompt investigation of claims arising out of an insurer s policies. Claims must be promptly investigated to determine liability. Not attempting in good faith to effectuate prompt, fair and equitable settlements of claims submitted in which liability has become reasonable clear. Compelling policyholders to institute suit to recover amounts due under its policies by offering less than the amounts ultimately recovered in suit brought by them. Appointment of Agent (2112(a c) In order to sell insurance, as a producing agent for an insurer, the producing agent must be appointed by the insurer as its agent. 1. The appointment must be made 15 days from the date an agency contract is executed, or the first application is submitted 2. Notice of the appointment must be filed with the Superintendent. 3. An agents license may be issued by the Superintendent without an agents appointment. Termination of Agent Appointment (2112(d); Regs. 9, 18, 29, Part 20.2) - Every insurer, fraternal benefit society or health maintenance organization or insurance producer or the authorized representative of the insurer, fraternal benefit society, health maintenance organization or insurance producer doing business in this state must, upon termination of a certificate of appointment, file with the Superintendent within 30 days a statement, in such form as the Superintendent may prescribe, the facts relative to such termination for cause. Quick Notes - New York Life, Accident & Health Insurance Agent/Broker - 9

11 Unfair and Prohibited Practices Misrepresentation (2123; Reg. 64, Part 216.3) It is a violation for an agent to make false or misleading statements or unfair coverage comparisons. False Advertising (2603) It is a violation to make false or misleading statements regarding the advertising of insurance products. A producing agent may not issue any illustration or statement used to advertise his/her business unless the agent is authorized to transact those lines of authority. Defamation of Insurer (2604) It is any false or malicious communication, written or oral, that injures another's reputation, fame or character. Individuals and companies both can be defamed. Unethical agents practice defamation by spreading rumors or falsehoods about the character of a competing agent or the financial condition of another insurance company. Both of these actions are considered illegal. Unfair Discrimination ( , 2612) - Neither agents nor insurance companies are permitted to discriminate against perspective insureds. This means that a person cannot be given a different rate for coverage than another person in identical circumstances. They may not discriminate against a person solely because of an applicants race, religion, occupation, where they live or their financial status. Rebating (2324, 4224) Rebating occurs if the buyer of an insurance policy receives any part of the agent's commission or anything of significant value as an inducement to purchase a policy. State regulations are very strict in this respect and are designed to prohibit discrimination in favor of, or against, policyowners. In this state, the practice of rebating is illegal and the following are defined as illegal inducements: Offering, paying or allowing any rebate or other inducement not specified in the policy or any special favor or advantage concerning the dividends or other benefits that will accrue, in order to place, negotiate or renew the policy. Offering, selling or purchasing anything of value not specified in the policy. Offering, paying or allowing any rebate of any premium on any insurance policy or annuity contract. Licensee Regulation Controlled Business (2103(i)) The Superintendent may refuse to issue, suspend, or revoke a license if an applicant receives more than 10% of the aggregate net commissions during a 12- month period from insurance sold to a licensee s spouse or other family members or business associates or their immediate family. Sharing Commissions (2121, 2128) The sharing of commissions with an unlicensed person or entity is prohibited. Quick Notes - New York Life, Accident & Health Insurance Agent/Broker - 10

OREGON SAMPLE INSURANCE Chapter - 1 Insurance Regulation

OREGON SAMPLE INSURANCE Chapter - 1 Insurance Regulation OREGON SAMPLE INSURANCE Chapter - 1 Insurance Regulation Before you can begin to learn about general insurance concepts or move on to more specific health insurance concepts, provisions and laws, it is

More information

How to stay out of HOT water?

How to stay out of HOT water? How to stay out of HOT water? (Keeping Title Agents LUKEWARM) William R. Lacy Arkansas Insurance Department 1200 West Third Street Little Rock, AR 72201-1904 501-682-5215 Phone 501-917-2748 FAX Sarah Harper

More information

1.0 Insurance Regulation 15% of the test

1.0 Insurance Regulation 15% of the test 1.0 Insurance Regulation 15% of the test 1.1 LICENSING The process of licensing in Pennsylvania is highly regulated. The Pennsylvania Department of Insurance supervises the process. You are about to find

More information

STATE OF NEBRASKA DEPARTMENT OF INSURANCE 941 O STREET, SUITE 400 LINCOLN, NE 68508 Switchboard (402) 471-2201 Licensing Division (402) 471-4913

STATE OF NEBRASKA DEPARTMENT OF INSURANCE 941 O STREET, SUITE 400 LINCOLN, NE 68508 Switchboard (402) 471-2201 Licensing Division (402) 471-4913 STATE OF NEBRASKA DEPARTMENT OF INSURANCE 941 O STREET, SUITE 400 LINCOLN, NE 68508 Switchboard (402) 471-2201 Licensing Division (402) 471-4913 REQUIREMENTS AND PROCEDURE FOR OBTAINING A CORPORATE INSURANCE

More information

GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 2009 HOUSE BILL 1313 RATIFIED BILL

GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 2009 HOUSE BILL 1313 RATIFIED BILL GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 2009 HOUSE BILL 1313 RATIFIED BILL AN ACT TO PROVIDE FOR MEANINGFUL REGULATION OF INSURANCE PUBLIC ADJUSTERS. The General Assembly of North Carolina enacts: SECTION

More information

INSURANCE REGULATION 115 LIFE SETTLEMENTS

INSURANCE REGULATION 115 LIFE SETTLEMENTS Table of Contents State of Rhode Island and Providence Plantations DEPARTMENT OF BUSINESS REGULATION Division of Insurance 1511 Pontiac Avenue, Bldg. 69-2 Cranston, RI 02920 INSURANCE REGULATION 115 LIFE

More information

Life and Health Insurance

Life and Health Insurance Life and Health Insurance Connecticut Effective September 1, 2014 State Law Supplement Important: Check for Updates States sometimes revise their exam content outlines unexpectedly or on short notice.

More information

TABLE OF CONTENTS. This act shall be known and may be cited as the Appraisal Management Company Registration Act.

TABLE OF CONTENTS. This act shall be known and may be cited as the Appraisal Management Company Registration Act. Appraisal Management Company Registration Act 63 P.S. 457.21 457.31 (Current through 02/02/2012) (When referring to section numbers, use a truncated version of the number after the decimal point. For example,

More information

State of Nebraska Department of Insurance 941 O Street, Suite 400 Lincoln, NE 68508

State of Nebraska Department of Insurance 941 O Street, Suite 400 Lincoln, NE 68508 QUALIFICATIONS State of Nebraska Department of Insurance 941 O Street, Suite 400 Lincoln, NE 68508 REQUIREMENTS AND PROCEDURE FOR OBTAINING AN INSURANCE CONSULTANT S LICENSE RESIDENT AND NONRESIDENT 1.

More information

Chapter 31 VIRGIN ISLANDS PRODUCER AND ADJUSTER LICENSING ACT

Chapter 31 VIRGIN ISLANDS PRODUCER AND ADJUSTER LICENSING ACT Chapter 31 VIRGIN ISLANDS PRODUCER AND ADJUSTER LICENSING ACT Table of Contents Section 751. Section 752. Section 753. Section 754. Section 755. Section 756. Section 757. Section 758. Section 759. Section

More information

Property and Casualty Insurance

Property and Casualty Insurance Property and Casualty Insurance Connecticut Effective September 1, 2014 State Law Supplement Important: Check for Updates States sometimes revise their exam content outlines unexpectedly or on short notice.

More information

Title 24-A: MAINE INSURANCE CODE

Title 24-A: MAINE INSURANCE CODE Title 24-A: MAINE INSURANCE CODE Chapter 16: PRODUCERS, ADJUSTERS AND CONSULTANTS HEADING: PL 1997, c. 457, 23 (new); 2001, c. 259, 1 (rpr) Table of Contents Subchapter 1. SCOPE OF CHAPTER AND DEFINITIONS...

More information

CHAPTER 80G BULLION COIN DEALERS

CHAPTER 80G BULLION COIN DEALERS 1 MINNESOTA STATUTES 2015 80G.01 CHAPTER 80G BULLION COIN DEALERS 80G.01 DEFINITIONS. 80G.02 REGISTRATION. 80G.03 REGISTRATION DENIAL, NONRENEWAL, REVOCATION, AND SUSPENSION. 80G.04 CRIMINAL CONVICTIONS.

More information

INSURANCE AGENTS CHAPTER 10 LICENSING OF INSURANCE PRODUCERS

INSURANCE AGENTS CHAPTER 10 LICENSING OF INSURANCE PRODUCERS IAC 1/13/99 Insurance[191] Ch 10, p.1 IAC 1/13/99 INSURANCE AGENTS CHAPTER 10 LICENSING OF INSURANCE PRODUCERS 191 10.1(522) Purpose and authority. 10.1(1) The purpose of these rules is to govern the qualifications

More information

Life and Health Insurance. Illinois. State Law Supplement

Life and Health Insurance. Illinois. State Law Supplement Life and Health Insurance Illinois State Law Supplement Life and Health Insurance Illinois Effective January 1, 2015 State Law Supplement Important: Check for Updates States sometimes revise their exam

More information

QUICK NOTES SUPPLEMENTAL STUDY GUIDE FLORIDA. A REVIEW SUPPLEMENT FOR THE FLORIDA AGENT S LIFE & HEALTH STATE INSURANCE EXAM (January 2016 Edition)

QUICK NOTES SUPPLEMENTAL STUDY GUIDE FLORIDA. A REVIEW SUPPLEMENT FOR THE FLORIDA AGENT S LIFE & HEALTH STATE INSURANCE EXAM (January 2016 Edition) QUICK NOTES SUPPLEMENTAL STUDY GUIDE FLORIDA A REVIEW SUPPLEMENT FOR THE FLORIDA AGENT S LIFE & HEALTH STATE INSURANCE EXAM (January 2016 Edition) What is Insurance Schools Quick Notes Supplemental Study

More information

Nebraska Loan Broker Act Chapter 45, Article 1, Section f 45-189 to 45-193

Nebraska Loan Broker Act Chapter 45, Article 1, Section f 45-189 to 45-193 45-189 Loan brokers; legislative findings. The Legislature finds that: Nebraska Loan Broker Act Chapter 45, Article 1, Section f 45-189 to 45-193 (1) Many professional groups are presently licensed or

More information

West s Annotated MISSISSIPPI CODE

West s Annotated MISSISSIPPI CODE West s Annotated MISSISSIPPI CODE Using the Classification and Numbering System of the Mississippi Code of 1972 Title 73 Professions and Vocations 2002 Cumulative Annual Pocket Part Chapter 60 HOME INSPECTORS

More information

CHAPTER 210. C.17:22A-26 Short title. 1. This act shall be known and may be cited as the "New Jersey Insurance Producer Licensing Act of 2001.

CHAPTER 210. C.17:22A-26 Short title. 1. This act shall be known and may be cited as the New Jersey Insurance Producer Licensing Act of 2001. AN CHAPTER 210 ACT concerning the licensure of insurance producers, amending P.L.1960, c.32,supplementing Title 17 of the Revised Statutes and repealing parts of the statutory law. BE IT ENACTED by the

More information

Property and Casualty Insurance. Tennessee. State Law Supplement

Property and Casualty Insurance. Tennessee. State Law Supplement Property and Casualty Insurance Tennessee State Law Supplement Property and Casualty Insurance Tennessee Effective November 10, 2014 State Law Supplement Important: Check for Updates States sometimes

More information

IAC 11/18/09 Insurance[191] Ch 58, p.1 CHAPTER 58 THIRD-PARTY ADMINISTRATORS

IAC 11/18/09 Insurance[191] Ch 58, p.1 CHAPTER 58 THIRD-PARTY ADMINISTRATORS IAC 11/18/09 Insurance[191] Ch 58, p.1 CHAPTER 58 THIRD-PARTY ADMINISTRATORS 191 58.1(510) Purpose. The purpose of this chapter is to administer the provisions of Iowa Code chapter 510 relating to the

More information

Life and Health Insurance. State Law Supplement. Georgia

Life and Health Insurance. State Law Supplement. Georgia Life and Health Insurance State Law Supplement Georgia Life and Health Insurance State Law Supplement Important: Check for Updates States sometimes revise their exam content outlines unexpectedly or on

More information

Property and Casualty Insurance. Nevada. State Law Supplement

Property and Casualty Insurance. Nevada. State Law Supplement Property and Casualty Insurance Nevada State Law Supplement Property and Casualty Insurance Nevada Effective January 1, 2014 State Law Supplement Important: Check for Updates States sometimes revise their

More information

Chapter 673 1999 EDITION. Accountants; Tax Consultants and Preparers

Chapter 673 1999 EDITION. Accountants; Tax Consultants and Preparers Chapter 673 1999 EDITION Accountants; Tax Consultants and Preparers ACCOUNTANTS (Generally) 673.010 Definitions for ORS 673.010 to 673.457 673.015 Statement of public interest in regulating practice of

More information

SECRETARY OF HOUSING AND ECONOMIC DEVELOPMENT TIMOTHY P. MURRAY LIEUTENANT GOVERNOR

SECRETARY OF HOUSING AND ECONOMIC DEVELOPMENT TIMOTHY P. MURRAY LIEUTENANT GOVERNOR COMMONWEALTH OF MASSACHUSETTS Office of Consumer Affairs and Business Regulation DIVISION OF INSURANCE 1000 Washington Street, Suite 810 Boston, MA 02118-6200 (617) 521-7794 FAX (617) 521-7475 TTY/TDD

More information

Chapter 9 Uniform Athlete Agents Act

Chapter 9 Uniform Athlete Agents Act Chapter 9 Uniform Athlete Agents Act 15-9-101 Title. This chapter is known as the "Uniform Athlete Agents Act." 15-9-102 Definitions. As used in this chapter: (1) "Agency contract" means an agreement in

More information

PUBLIC ADJUSTER LICENSING MODEL ACT

PUBLIC ADJUSTER LICENSING MODEL ACT Model Regulation Service October 2005 PUBLIC ADJUSTER LICENSING MODEL ACT Table of Contents Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 7. Section 8. Section 9. Section 10.

More information

State of Rhode Island and Providence Plantations DEPARTMENT OF BUSINESS REGULATION Division of Insurance 1511 Pontiac Avenue Cranston, RI 029209

State of Rhode Island and Providence Plantations DEPARTMENT OF BUSINESS REGULATION Division of Insurance 1511 Pontiac Avenue Cranston, RI 029209 Table of Contents State of Rhode Island and Providence Plantations DEPARTMENT OF BUSINESS REGULATION Division of Insurance 1511 Pontiac Avenue Cranston, RI 029209 INSURANCE REGULATION 42 MOTOR VEHICLE

More information

Registration of Athlete Agents

Registration of Athlete Agents Registration of Athlete Agents (June 2011) Andrew M. Cuomo Governor New York State DEPARTMENT OF STATE Division of Licensing Services www.dos.state.ny.us Cesar A. Perales Secretary of State Uniform Athlete

More information

Property and Casualty Insurance

Property and Casualty Insurance Property and Casualty Insurance Iowa Effective January 1, 2015 State Law Supplement Important: Check for Updates States sometimes revise their exam content outlines unexpectedly or on short notice. To

More information

Mortgage Loan Company Act

Mortgage Loan Company Act Mortgage Loan Company Act CHAPTER 58 ARTICLE 21 Mortgage Loan Companies and Loan Brokers Section: 58-21-1 Short title. 58-21-2 Definitions. 58-21-3 License required; qualified manager. 58-21-4 Application

More information

GUIDING PRINCIPLES FOR MICHIGAN INSURANCE PRODUCER LICENSURE

GUIDING PRINCIPLES FOR MICHIGAN INSURANCE PRODUCER LICENSURE GUIDING PRINCIPLES FOR MICHIGAN INSURANCE PRODUCER LICENSURE Department of Insurance and Financial Services Office of Insurance Licensing and Market Conduct Revised Page 1 of 9 Introduction A primary mission

More information

Rules and Regulations Relating to The Licensing And Regulation. of The Private Security Guard Business

Rules and Regulations Relating to The Licensing And Regulation. of The Private Security Guard Business Rules and Regulations Relating to The Licensing And Regulation of The Private Security Guard Business Pursuant To The Private Security Guards Act of 1987 R.I.G.L. 5-5.1-1 et. seq. TABLE OF CONTENTS Section

More information

SECRETARY OF HOUSING AND ECONOMIC DEVELOPMENT. Division of Insurance, Petitioner v. Edward L. Austin, III, Respondent Docket No.

SECRETARY OF HOUSING AND ECONOMIC DEVELOPMENT. Division of Insurance, Petitioner v. Edward L. Austin, III, Respondent Docket No. COMMONWEALTH OF MASSACHUSETTS Office of Consumer Affairs and Business Regulation DIVISION OF INSURANCE 1000 Washington Street Suite 810 Boston, MA 02118-6200 (617) 521-7794 FAX (617) 521-7475 http://www.mass.gov/doi

More information

Division of Insurance, Petitioner v. Lisa Sue Mize, Respondent Docket No. E2009-03. Order on Petitioner's Motion for Summary Decision

Division of Insurance, Petitioner v. Lisa Sue Mize, Respondent Docket No. E2009-03. Order on Petitioner's Motion for Summary Decision Division of Insurance, Petitioner v. Lisa Sue Mize, Respondent Docket No. E2009-03 Introduction and Procedural History Order on Petitioner's Motion for Summary Decision On February 20, 2009, the Division

More information

CHAPTER 26.1-31.1 REINSURANCE INTERMEDIARIES

CHAPTER 26.1-31.1 REINSURANCE INTERMEDIARIES CHAPTER 26.1-31.1 REINSURANCE INTERMEDIARIES 26.1-31.1-01. Definitions. As used in this chapter: 1. "Actuary" means a person who is a member in good standing of the American academy of actuaries. 2. "Controlling

More information

CONSUMER LOAN BROKER ACT. 81-19-11. Investigation of applicant; issuance or denial of license; time limit for acting on applications.

CONSUMER LOAN BROKER ACT. 81-19-11. Investigation of applicant; issuance or denial of license; time limit for acting on applications. CONSUMER LOAN BROKER ACT Section 81-19-1. Short title. 81-19-3. Definitions. 81-19-5. License requirement; penalty for violation. 81-19-7. Exclusions from chapter coverage. 81-19-9. License application;

More information

APPRAISAL MANAGEMENT COMPANY

APPRAISAL MANAGEMENT COMPANY STATE OF ARKANSAS APPRAISER LICENSING AND CERTIFICATION BOARD APPRAISAL MANAGEMENT COMPANY STATUTES 1 ARKANSAS APPRAISER LICENSING AND CERTIFICATION BOARD APPRAISAL MANAGEMENT COMPANY STATUTES SUBCHAPTER

More information

TITLE 81. BANKS AND FINANCIAL INSTITUTIONS CHAPTER 22. MISSISSIPPI DEBT MANAGEMENT SERVICES ACT [REPEALED EFFECTIVE JULY 1, 2013]

TITLE 81. BANKS AND FINANCIAL INSTITUTIONS CHAPTER 22. MISSISSIPPI DEBT MANAGEMENT SERVICES ACT [REPEALED EFFECTIVE JULY 1, 2013] TITLE 81. BANKS AND FINANCIAL INSTITUTIONS CHAPTER 22. MISSISSIPPI DEBT MANAGEMENT SERVICES ACT [REPEALED EFFECTIVE JULY 1, 2013] Section 81-22-1. Short title [Repealed effective July 1, 2013] 81-22-3.

More information

Life and Health Insurance. State Law Supplement. Maryland

Life and Health Insurance. State Law Supplement. Maryland Life and Health Insurance State Law Supplement Maryland Life and Health Insurance State Law Supplement Important: Check for Updates States sometimes revise their exam content outlines unexpectedly or

More information

Extracts from The Insurance Act, Insurance Agents and Adjusters Regulation and the Certificate Expiry, Penalties and Fees Regulation

Extracts from The Insurance Act, Insurance Agents and Adjusters Regulation and the Certificate Expiry, Penalties and Fees Regulation The following sections are an overview of the relevant sections of the Act and Regulations concerning Restricted Certificate holders. This is not intended to be an exhaustive review of every requirement.

More information

CHAPTER 211. AN ACT concerning life insurance viatical settlements. BE IT ENACTED by the Senate and General Assembly of the State of New Jersey:

CHAPTER 211. AN ACT concerning life insurance viatical settlements. BE IT ENACTED by the Senate and General Assembly of the State of New Jersey: CHAPTER 211 AN ACT concerning life insurance viatical settlements. BE IT ENACTED by the Senate and General Assembly of the State of New Jersey: C.17B:30A-1 Definitions relative to life insurance viatical

More information

MODEL LAW ON MOTOR VEHICLE INSPECTION BY INDEPENDENT CONTRACTORS AND SELF INSPECTORS

MODEL LAW ON MOTOR VEHICLE INSPECTION BY INDEPENDENT CONTRACTORS AND SELF INSPECTORS MODEL LAW ON MOTOR VEHICLE INSPECTION BY INDEPENDENT CONTRACTORS AND SELF INSPECTORS Section 1. Definitions.-- As used in this act, the term: (1) "Contractor" means any person, corporation, or partnership

More information

Property and Casualty Insurance. State Law Supplement. Maryland

Property and Casualty Insurance. State Law Supplement. Maryland Property and Casualty Insurance State Law Supplement Maryland Property and Casualty Insurance State Law Supplement Important: Check for Updates States sometimes revise their exam content outlines unexpectedly

More information

Consumer Assistance under the Affordable Care Act. Module #1 Training Resource for Indiana Navigators

Consumer Assistance under the Affordable Care Act. Module #1 Training Resource for Indiana Navigators Consumer Assistance under the Affordable Care Act Module #1 Training Resource for Indiana Navigators 2 Module #1 Objectives After reviewing this module, you will be able to: Correctly identify consumer

More information

OCCUPATIONS CODE TITLE 8. REGULATION OF ENVIRONMENTAL AND INDUSTRIAL TRADES CHAPTER 1303. RESIDENTIAL SERVICE COMPANIES. As Revised and in Effect on

OCCUPATIONS CODE TITLE 8. REGULATION OF ENVIRONMENTAL AND INDUSTRIAL TRADES CHAPTER 1303. RESIDENTIAL SERVICE COMPANIES. As Revised and in Effect on OCCUPATIONS CODE TITLE 8. REGULATION OF ENVIRONMENTAL AND INDUSTRIAL TRADES CHAPTER 1303. RESIDENTIAL SERVICE COMPANIES As Revised and in Effect on September 1, 2009 Texas Real Estate Commission P.O. Box

More information

UNOFFICIAL COPY OF SENATE BILL 660. ENROLLED BILL -- Finance/Economic Matters -- Read and Examined by Proofreaders:

UNOFFICIAL COPY OF SENATE BILL 660. ENROLLED BILL -- Finance/Economic Matters -- Read and Examined by Proofreaders: I1 UNOFFICIAL COPY OF SENATE BILL 660 ENROLLED BILL -- Finance/Economic Matters -- (5lr2457) Introduced by Senator Astle Senators Astle and Exum Read and Examined by Proofreaders: Proofreader. Proofreader.

More information

Regular Session, 2008. ACT No. 858. To amend and reenact R.S. 9:3573.1, 3573.2(A), 3573.3(1), (8), (9) and (10), 3573.4,

Regular Session, 2008. ACT No. 858. To amend and reenact R.S. 9:3573.1, 3573.2(A), 3573.3(1), (8), (9) and (10), 3573.4, Regular Session, 0 SENATE BILL NO. ACT No. BY SENATOR MARIONNEAUX 0 AN ACT To amend and reenact R.S. :.,.(A),.(), (), () and (0),.,.(A)(),.0(C),.(B) and (C),.(B) and (C), and., and to repeal R.S. :.(),.,

More information

NC General Statutes - Chapter 58 Article 63 1

NC General Statutes - Chapter 58 Article 63 1 Article 63. Unfair Trade Practices. 58-63-1. Declaration of purpose. The purpose of this Article is to regulate trade practices in the business of insurance in accordance with the intent of Congress as

More information

This rule was filed as 13 NMAC 9.3. LIFE INSURANCE AND ANNUITIES VARIABLE ANNUITY CONTRACTS

This rule was filed as 13 NMAC 9.3. LIFE INSURANCE AND ANNUITIES VARIABLE ANNUITY CONTRACTS This rule was filed as 13 NMAC 9.3. TITLE 13 CHAPTER 9 PART 3 INSURANCE LIFE INSURANCE AND ANNUITIES VARIABLE ANNUITY CONTRACTS 13.9.3.1 ISSUING AGENCY: New Mexico State Corporation Commission [Public

More information

13.4.5.3 STATUTORY AUTHORITY: Sections 59A-2-9 and 59A-12A-1 through 59A-12A-17 NMSA 1978. [2/1/92; Recompiled 11/30/01]

13.4.5.3 STATUTORY AUTHORITY: Sections 59A-2-9 and 59A-12A-1 through 59A-12A-17 NMSA 1978. [2/1/92; Recompiled 11/30/01] This rule was filed as 13 NMAC 4.5. TITLE 13 CHAPTER 4 PART 5 INSURANCE LICENSING OF INSURANCE PROFESSIONALS INSURANCE ADMINISTRATORS 13.4.5.1 ISSUING AGENCY: New Mexico State Corporation Commission [Public

More information

FINANCIAL INSTITUTION AGREEMENT

FINANCIAL INSTITUTION AGREEMENT Banner Life Insurance Company 3275 Bennett Creek Avenue Frederick, Maryland 21704 (800) 638-8428 FINANCIAL INSTITUTION AGREEMENT 1. Subject to the terms and conditions of this Agreement, the undersigned

More information

NEBRASKA DEPARTMENT OF INSURANCE P.O. BOX 82089 LINCOLN, NE 68501-2089. Requirements For Transacting Business as a Managing General Agent

NEBRASKA DEPARTMENT OF INSURANCE P.O. BOX 82089 LINCOLN, NE 68501-2089. Requirements For Transacting Business as a Managing General Agent NEBRASKA DEPARTMENT OF INSURANCE P.O. BOX 82089 LINCOLN, NE 68501-2089 Requirements For Transacting Business as a Managing General Agent Article 49 Managing General Agents Section 44-4901 Act, how cited.

More information

FINAL ORDER Effective: 07-29-08

FINAL ORDER Effective: 07-29-08 BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS FINAL ORDER Effective: 07-29-08 In the Matter of the Nonresident Agency ) License of National Prearranged ) Docket No. 3911-SO Services, Inc.

More information

CONCISE EXPLANATORY STATEMENT. Insurance Regulation 43 Insurance Claim Adjusters

CONCISE EXPLANATORY STATEMENT. Insurance Regulation 43 Insurance Claim Adjusters State of Rhode Island and Providence Plantations DEPARTMENT OF BUSINESS REGULATION Division of Insurance 1511 Pontiac Avenue, Bldg. 69-2 Cranston, Rhode Island 02920 CONCISE EXPLANATORY STATEMENT Insurance

More information

08 LC 28 4169S. The House Committee on Rules offers the following substitute to SB 113: A BILL TO BE ENTITLED AN ACT

08 LC 28 4169S. The House Committee on Rules offers the following substitute to SB 113: A BILL TO BE ENTITLED AN ACT 0 LC S The House Committee on Rules offers the following substitute to SB : A BILL TO BE ENTITLED AN ACT 0 To amend Article of Chapter of Title of the Official Code of Georgia Annotated, relating to agents,

More information

12 LC 33 4683S. The House Committee on Health and Human Services offers the following substitute to HB 972: A BILL TO BE ENTITLED AN ACT

12 LC 33 4683S. The House Committee on Health and Human Services offers the following substitute to HB 972: A BILL TO BE ENTITLED AN ACT The House Committee on Health and Human Services offers the following substitute to HB 972: A BILL TO BE ENTITLED AN ACT 1 2 3 4 5 6 7 8 9 10 11 12 13 To amend Chapter 34 of Title 43 of the Official Code

More information

REGULATION OF BAIL BONDSMAN AND BAIL BONDS COMPANIES

REGULATION OF BAIL BONDSMAN AND BAIL BONDS COMPANIES REGULATION OF BAIL BONDSMAN AND BAIL BONDS COMPANIES SECTION 1. PURPOSE The purpose of this Rule and Regulation ("rule") is to set forth specific requirements that should be followed by individual bail

More information

FINAL ORDER Effective: 11/08/2004

FINAL ORDER Effective: 11/08/2004 BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of the Kansas Resident ) Insurance Agent s License of ) Docket No. 3391-SO KEN CAMPBELL ) FINAL ORDER Effective: 11/08/2004 SUMMARY

More information

LICENSING PROCEDURES AND INFORMATION FOR INSURANCE CONSULTANTS

LICENSING PROCEDURES AND INFORMATION FOR INSURANCE CONSULTANTS LICENSING PROCEDURES AND INFORMATION FOR INSURANCE CONSULTANTS July 2005 GENERAL INFORMATION The 1987 Virginia General Assembly passed legislation regarding the regulation of financial planners. The law,

More information

Credit Services Organization Act 24 O.S. 131 148

Credit Services Organization Act 24 O.S. 131 148 Credit Services Organization Act 24 O.S. 131 148 Chapter 8 Credit Services Organization Act Section 131 Short Title This act shall be known and may be cited as the "Credit Services Organization Act". Added

More information

SENATE STAFF ANALYSIS AND ECONOMIC IMPACT STATEMENT

SENATE STAFF ANALYSIS AND ECONOMIC IMPACT STATEMENT SENATE STAFF ANALYSIS AND ECONOMIC IMPACT STATEMENT (This document is based on the provisions contained in the legislation as of the latest date listed below.) BILL: SB 2240 SPONSOR: SUBJECT: Senator Garcia

More information

Annotated Code of Maryland

Annotated Code of Maryland Annotated Code of Maryland Health Occupations Article Title 9 - Nursing Home Administrators Subtitle 1. Definitions; General Provisions. 9 101. Definitions. (a) In this title the following words have the

More information

Article 21. Surplus Lines Act. 58-21-1. Short title. This Article shall be known and may be cited as the "Surplus Lines Act". (1985, c. 688, s. 1.

Article 21. Surplus Lines Act. 58-21-1. Short title. This Article shall be known and may be cited as the Surplus Lines Act. (1985, c. 688, s. 1. Article 21. Surplus Lines Act. 58-21-1. Short title. This Article shall be known and may be cited as the "Surplus Lines Act". (1985, c. 688, s. 1.) 58-21-2. Relationship to other insurance laws. Unless

More information

NEW ERA LIFE INSURANCE COMPANY GENERAL AGENT S CONTRACT. For. Name. Address. City State Zip

NEW ERA LIFE INSURANCE COMPANY GENERAL AGENT S CONTRACT. For. Name. Address. City State Zip NEW ERA LIFE INSURANCE COMPANY GENERAL AGENT S CONTRACT For Name Of Address City State Zip P.O. Box 4884 Houston, Texas 77210-4884 200 Westlake Park Blvd. Suite # 1200 Houston, Texas 77079 1-800-713-4680

More information

Kansas Real Estate Brokers and Salespersons Licensing Act

Kansas Real Estate Brokers and Salespersons Licensing Act Kansas Real Estate Brokers and Salespersons Licensing Act 58-3034. Title of act. K.S.A. 58-3034 through 58-3077, and K.S.A. 2007 Supp. 58-3078 through 58-3085, and amendments thereto, shall be known and

More information

CHAPTER 115 [Substitute House Bill No. 205] HEALTH CARE SERVICE CONTRACTORS. Relating to health care service contractors; amending section

CHAPTER 115 [Substitute House Bill No. 205] HEALTH CARE SERVICE CONTRACTORS. Relating to health care service contractors; amending section presently licensed accountants would not be affected by the qualification standards of this act, the legal effect is to relieve them from the obligation of paying increased license fees. This is not in

More information

CHAPTER 2014-123. Committee Substitute for Committee Substitute for House Bill No. 633

CHAPTER 2014-123. Committee Substitute for Committee Substitute for House Bill No. 633 CHAPTER 2014-123 Committee Substitute for Committee Substitute for House Bill No. 633 An act relating to the Division of Insurance Agents and Agency Services; amending s. 20.121, F.S.; revising the name

More information

WEST VIRGINIA OFFICES OF THE INSURANCE COMMISSIONER Medical Malpractice Insurance Review Standards Checklist

WEST VIRGINIA OFFICES OF THE INSURANCE COMMISSIONER Medical Malpractice Insurance Review Standards Checklist Medical Malpractice REVIEW REQUIREMENTS REFERENCE COMMENTS FORMS Applications REFERENCE COMMENTS Fee, filing 33-6-34 The Filing Fee is $50.00 per Form filing and applies on a per company basis. WVIL All

More information

NC General Statutes - Chapter 90 Article 13D 1

NC General Statutes - Chapter 90 Article 13D 1 Article 13D. Preneed Funeral Funds. 90-210.60. Definitions. As used in this Article, unless the context requires otherwise: (1) "Board" means the North Carolina Board of Funeral Service as created pursuant

More information

Department of Insurance

Department of Insurance Rules of Department of Insurance Division 700 Licensing Chapter 1 Agents, Brokers and Agencies Title Page 20 CSR 700-1.010 Agents Examination and Licensing Procedures and Standards...3 20 CSR 700-1.020

More information

PUBLIC ADJUSTERS IN PENNSYLVANIA

PUBLIC ADJUSTERS IN PENNSYLVANIA I. HOW DOES PENNSYLVANIA REGULATE THE LICENSE AND ACTIVITIES OF PUBLIC ADJUSTERS AND PUBLIC ADJUSTER SOLICITORS? 63 P.S. 1601 et.seq. statutorily regulates the license and activities of public adjusters

More information

OCCUPATIONAL THERAPY PRACTICE ACT - CREATION OF BOARD, REQUIREMENTS FOR LICENSURE, PRACTICE AND REFERRAL, RENEWAL OF LICENSE, REFUSAL, SUSPENSION OR

OCCUPATIONAL THERAPY PRACTICE ACT - CREATION OF BOARD, REQUIREMENTS FOR LICENSURE, PRACTICE AND REFERRAL, RENEWAL OF LICENSE, REFUSAL, SUSPENSION OR OCCUPATIONAL THERAPY PRACTICE ACT - CREATION OF BOARD, REQUIREMENTS FOR LICENSURE, PRACTICE AND REFERRAL, RENEWAL OF LICENSE, REFUSAL, SUSPENSION OR REVOCATION OF LICENSE AND IMPAIRED PROFESSIONALS PROGRAM

More information

CHAPTER 13-10 MORTGAGE LOAN ORIGINATORS

CHAPTER 13-10 MORTGAGE LOAN ORIGINATORS CHAPTER 13-10 MORTGAGE LOAN ORIGINATORS 13-10-01. Purpose. The purpose of this chapter is to protect consumers seeking mortgage loans and to ensure that the mortgage lending industry is operating without

More information

NEBRASKA PROPERTY AND LIABILITY INSURANCE GUARANTY ASSOCIATION ACT

NEBRASKA PROPERTY AND LIABILITY INSURANCE GUARANTY ASSOCIATION ACT NEBRASKA PROPERTY AND LIABILITY INSURANCE GUARANTY ASSOCIATION ACT Section. 44-2401. Purpose of sections. 44-2402. Kinds of insurance covered. 44-2403. Terms, defined. 44-2404. Nebraska Property and Liability

More information

CHAPTER 2008-220. Committee Substitute for Committee Substitute for Senate Bill No. 2012

CHAPTER 2008-220. Committee Substitute for Committee Substitute for Senate Bill No. 2012 CHAPTER 2008-220 Committee Substitute for Committee Substitute for Senate Bill No. 2012 An act relating to insurance; amending s. 624.46226, F.S.; revising provisions authorizing public housing authorities

More information

RULE. Office of the Governor Real Estate Appraisers Board. Appraisal Management Companies (LAC 46:LXVII.Chapters 301-309)

RULE. Office of the Governor Real Estate Appraisers Board. Appraisal Management Companies (LAC 46:LXVII.Chapters 301-309) RULE Office of the Governor Real Estate Appraisers Board Appraisal Management Companies (LAC 46:LXVII.Chapters 301-309) Under the authority of the newly enacted Appraisal Management Company Licensing and

More information

STATE OF WASHINGTON OFFICE OF THE INSURANCE COMMISSIONER

STATE OF WASHINGTON OFFICE OF THE INSURANCE COMMISSIONER STATE OF WASHINGTON OFFICE OF THE INSURANCE COMMISSIONER In Vie Matter of John C. Hanson, Licensee. WAOICNO. 129057 NPN 757101 To: John C. Hanson 4618 S Napa St Spokane, WA 99223-6448 i.c.hansonfg'mn fti.com

More information

Property and Casualty Insurance. Minnesota. State Law Supplement

Property and Casualty Insurance. Minnesota. State Law Supplement Property and Casualty Insurance Minnesota State Law Supplement Property and Casualty Insurance State Law Supplement Important: Check for Updates States sometimes revise their exam content outlines unexpectedly

More information

Notice of Intent to Adopt Rules

Notice of Intent to Adopt Rules 1. General Information a. Agency/Board Name Notice of Intent to Adopt Rules Revised July 2014 b. Agency/Board Address c. City d. Zip Code e. Name of Contact Person f. Contact Telephone Number g. Contact

More information

13 LC 33 5035S. The House Committee on Health and Human Services offers the following substitute to HB 178: A BILL TO BE ENTITLED AN ACT

13 LC 33 5035S. The House Committee on Health and Human Services offers the following substitute to HB 178: A BILL TO BE ENTITLED AN ACT The House Committee on Health and Human Services offers the following substitute to HB 178: A BILL TO BE ENTITLED AN ACT 1 2 3 4 5 6 7 8 9 10 11 To amend Chapter 34 of Title 43 of the Official Code of

More information

TITLE 209: DIVISION OF BANKS CHAPTER 41.00: THE LICENSING OF MORTGAGE LOAN ORIGINATORS

TITLE 209: DIVISION OF BANKS CHAPTER 41.00: THE LICENSING OF MORTGAGE LOAN ORIGINATORS TITLE 209: DIVISION OF BANKS CHAPTER 41.00: THE LICENSING OF MORTGAGE LOAN ORIGINATORS 41.01: Purpose and Scope The purpose of 209 CMR 41.00 et seq. is to establish procedures and requirements for the

More information

REGISTRATION REQUIREMENT

REGISTRATION REQUIREMENT REGISTRATION REQUIREMENT An in-state athlete agent must register with the Commission prior to directly or indirectly serving or offering to serve as an athlete agent in the Commonwealth. An out-of-state

More information

HOUSE BILL No. 2114 page 2

HOUSE BILL No. 2114 page 2 HOUSE BILL No. 2114 AN ACT concerning the vehicle dealers and manufacturers licensing act; relating to vehicle bonds; amending K.S.A. 2000 Supp. 8-2404 and repealing the existing section. Be it enacted

More information

IMINA' TRENTA NA LIHESLATURAN GUAHAN 2009 (FIRST) Regular Session, AN ACT TO ADD A NEW ARTICLE 9 TO CHAPTER 15 OF 22GCA RELATIVE TO PUBLIC ADJUSTERS.

IMINA' TRENTA NA LIHESLATURAN GUAHAN 2009 (FIRST) Regular Session, AN ACT TO ADD A NEW ARTICLE 9 TO CHAPTER 15 OF 22GCA RELATIVE TO PUBLIC ADJUSTERS. Bill No. Introduced by: IMINA' TRENTA NA LIHESLATURAN GUAHAN 2009 (FIRST) Regular Session, V'l ~ RaYTenori~ AN ACT TO ADD A NEW ARTICLE 9 TO CHAPTER 15 OF 22GCA RELATIVE TO PUBLIC ADJUSTERS. 1 BE IT ENACTED

More information

CHAPTER 332B DEBT SETTLEMENT SERVICES

CHAPTER 332B DEBT SETTLEMENT SERVICES 1 MINNESOTA STATUTES 2015 332B.02 CHAPTER 332B DEBT SETTLEMENT SERVICES 332B.02 DEFINITIONS. 332B.03 REQUIREMENT OF REGISTRATION. 332B.04 REGISTRATION. 332B.05 DENIAL, SUSPENSION, REVOCATION, OR NONRENEWAL

More information

California Insurance Codes

California Insurance Codes Chapter 10 California Insurance Codes Extracted Sections 35, 380-381, 791-791.26, 1633-1748, 1800-1823 Source: www.leginfo.ca.gov Updated 10/08/12 (includes new 2013) (Note: Headings For Identification

More information

Insurance Premium Financing FAQs

Insurance Premium Financing FAQs Insurance Premium Financing FAQs Q. What is a Premium Finance Company? A. An insurance premium finance company is defined to be: 1. Any person engaged, in whole or in part, in the business of entering

More information

TEXAS MORTGAGE BROKER LICENSE ACT

TEXAS MORTGAGE BROKER LICENSE ACT Originally passed as S.B. No. 1074, 76th Legislature Amended by H.B. 1636 and H.B. 1493, 77th Legislature TEXAS MORTGAGE BROKER LICENSE ACT AN ACTrelating to the licensing of mortgage brokers; providing

More information

CORNERSTONE A-SIDE MANAGEMENT LIABILITY INSURANCE COVERAGE FORM

CORNERSTONE A-SIDE MANAGEMENT LIABILITY INSURANCE COVERAGE FORM CORNERSTONE A-SIDE MANAGEMENT LIABILITY INSURANCE COVERAGE FORM THIS IS A CLAIMS MADE POLICY WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ AND REVIEW THE POLICY CAREFULLY. In consideration

More information

NOTE: The governor signed this measure on 3/22/2013.

NOTE: The governor signed this measure on 3/22/2013. NOTE: The governor signed this measure on 3/22/2013. HOUSE BILL 13-1062 BY REPRESENTATIVE(S) Ginal, Fields, Fischer, Hamner, Hullinghorst, Labuda, Levy, Pabon, Pettersen, Schafer, Williams, Young, Court,

More information

BEFORE THE COMMISSIONER OF INSURANCE

BEFORE THE COMMISSIONER OF INSURANCE BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of the Kansas Resident ) Insurance Agent s License of ) Frank Dean Barber ) NPN # 923632, ) The Kansas Resident Insurance Agency

More information

304.9-430 Independent, staff, or public adjuster's license -- Application by individual or business entity -- Qualifications -- Evidence of financial

304.9-430 Independent, staff, or public adjuster's license -- Application by individual or business entity -- Qualifications -- Evidence of financial 304.9-430 Independent, staff, or public adjuster's license -- Application by individual or business entity -- Qualifications -- Evidence of financial responsibility -- Exceptions to license requirement

More information

TITLE AGENT LICENSING FIDELITY NATIONAL TITLE GROUP

TITLE AGENT LICENSING FIDELITY NATIONAL TITLE GROUP QUESTIONS YOU'LL SEE IN THIS Q&A WHO MUST BE LICENSED? / WHEN DO I NEED A SUB LICENSEE, WHAT IS THEIR ROLE AND WHO CAN BE ONE? / CAN I SHARE COMMISIONS / WHAT IS A PREMIUM ACCOUNT AND WHEN DO I NEED ONE?

More information

NC General Statutes - Chapter 90B 1

NC General Statutes - Chapter 90B 1 Chapter 90B. Social Worker Certification and Licensure Act. 90B-1. Short title. This Chapter shall be known as the "Social Worker Certification and Licensure Act." (1983, c. 495, s. 1; 1999-313, s. 1.)

More information

Mortgage Laws and Regulations-Georgia. Introduction. LegalEase was asked to review and summarize any legislation since January of 2007

Mortgage Laws and Regulations-Georgia. Introduction. LegalEase was asked to review and summarize any legislation since January of 2007 Mortgage Laws and Regulations-Georgia Introduction 23400 Michigan Avenue, Suite 101 Dearborn, MI 48124 Tel: 1-(866) 534-6177 (toll-free) Fax: 1-(734) 943-6051 Email: contact@legaleasesolutions.com www.legaleasesolutions.com

More information

Guidelines on Fit and Proper Criteria for Insurance Undertakings

Guidelines on Fit and Proper Criteria for Insurance Undertakings Guidelines on Fit and Proper Criteria for Insurance Undertakings CHAPTER 1 - PRELIMINARY Introduction and citation 1. (a) These Guidelines on Fit and Proper Criteria for Insurance Undertakings ( Guidelines

More information

BROKERAGE Development General Agent AGREEMENT

BROKERAGE Development General Agent AGREEMENT BROKERAGE Development General Agent AGREEMENT BANNER LIFE INSURANCE COMPANY ROCKVILLE, MARYLAND Agreement of Brokerage Development General Agent 1. APPOINTMENT Subject to the terms and conditions of this

More information

DISCOUNT MEDICAL PLAN ORGANIZATION MODEL ACT

DISCOUNT MEDICAL PLAN ORGANIZATION MODEL ACT Table of Contents Model Regulation Service October 2007 DISCOUNT MEDICAL PLAN ORGANIZATION MODEL ACT Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 7. Section 8. Section 9. Section

More information

GENERAL AGENT AGREEMENT

GENERAL AGENT AGREEMENT Complete Wellness Solutions, Inc. 6338 Constitution Drive Fort Wayne, Indiana 46804 GENERAL AGENT AGREEMENT This Agreement is made by and between Complete Wellness Solutions, Inc. (the Company ) and (the

More information