APPLICATION PROCEDURES FOR COMPANIES SEEKING TO DO BUSINESS IN FLORIDA 69O

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1 State of Florida - Governor Rick Scott The Office of Fiscal Accountability and Regulatory Reform (OFARR) Results of the Comprehensive Rule Review (Executive Order 11-72) as supplemented by the Enhanced Biennial Rule Review (s , Florida Statutes) Office of Insurance Regulation, Financial Services Commission OIR Insurance Regulation 69O-123: CIVIL REMEDY 69O Procedure 69O-125: UNFAIR DISCRIMINATION 69O Unfair Discrimination Because of Travel Plans 69O Credit Report Use and Disclosure in Consideration of Insurance Applications 69O-128: PRIVACY OF CONSUMER FINANCIAL AND HEALTH INFORMATION 69O Initial Privacy Notice to Consumers Required 69O-136: APPLICATION PROCEDURES FOR COMPANIES SEEKING TO DO BUSINESS IN FLORIDA 69O Foreign and Alien Insurers Filing for a Certificate of Authority 69O Surplus Lines 69O Domestic Insurers Filing for an Application for Permit 69O Domestic Insurers Filing for a Certificate of Authority 69O Forms Adopted 69O Procedure to Amend an Existing Certificate of Authority to Add a New Line of Business 69O Determination of Eligibility to Operate as an Alien Insurer in Florida pursuant to Subsection 69O Registration as a Purchasing Group 69O Registration as a Risk Retention Group 69O Uniform Certificate of Authority Expansion Application 69O-137: INSURER REPORTING REQUIREMENTS 69O Annual and Quarterly Reporting Requirements 69O Annual Audited Financial Reports 69O Premium Growth Reporting 69O Reports of Information by Health Insurers Required 69O Filing of Statistical and Quarterly Reports for Individually Rated Risks and Excess Rates 69O Filing Procedures for Commercial and Personal Residential Property Supplemental Quarterly Report 69O Holocaust Victims Insurance Report and Standards of Proof 69O Reinsurance Summary Statement 69O-138: FINANCIAL EXAMINATIONS AND REQUIREMENTS 69O Exams By Non Employees 69O Special Consent Investments 69O Financial Requirements for Assessable Mutual Insurers 69O General Requirements 69O Statement of Actuarial Opinion Based on an Asset Adequacy Analysis 69O Description of Actuarial Memorandum Including an Asset Adequacy Analysis and Regulatory Asset Adequacy Issues Summary Page 1 of 7

2 69O-141: ADMINISTRATIVE SUPERVISION AND WITHDRAWAL FROM THE STATE 69O Plan of Correction 69O Procedures for Withdrawal, Surrender of Certificate of Authority, or Discontinuance of Writing Insurance in this State Pursuant t 69O-142: INSURER CONDUCT 69O Standardized Requirements Applicable to Insurers After Hurricanes or Natural Disasters 69O-143: DOMESTIC INSURERS 69O Filing of Statements 69O Exemptions from Section and of the Act 69O Ownership of Securities Held in Trust 69O Proxies, Consents and Authorizations 69O Disclosure of Equivalent Information 69O Information to Be Furnished to Stockholders 69O Material Required to Be Filed 69O Special Provisions Applicable to Election Contests 69O Information to Be Filed in Proxy Statements 69O Information to Be Filed by or on Behalf of a Participant (Other Than the Insurer) in a Proxy Solicitation in an Election Contest 69O Registration of Insurers 69O Standards 69O Acquisition of Controlling Stock 69O Redomestication Procedure 69O-144: REINSURANCE 69O Approval Procedures 69O Credit for Reinsurance 69O Credit for Reinsurance From Eligible Reinsurers 69O Accounting Requirements: Life and Health Reinsurance Agreements 69O-149: FILING OF FORMS AND RATES FOR LIFE/HEALTH INSURANCE 69O Scope and Applicability 69O Rate Filing Procedures 69O Reasonableness of Benefits in Relation to Premiums 69O Actuarial Memorandum 69O Annual Rate Certification (ARC) Filing Procedures 69O Loss Ratio Guarantee Filings 69O Form Filing Procedures 69O Forms Adopted 69O Calculation of Premium Rates 69O Employee Health Care Access Act Statement Reporting Requirement 69O Designation of Election to Become a Risk-Assuming or Reinsuring Carrier Under Section , Florida Statutes, the Employe 69O Change of Status of Small Employer Carriers Election to Become Risk-Assuming Carrier or Reinsuring Carrier 69O Forms 69O Establishing a Self-Funded Health Benefit Plan 69O On-Going Review of the Self-Funded Health Benefit Plan Page 2 of 7

3 69O Forms Incorporated by Reference 69O-150: LIFE AND HEALTH ADVERTISING REQUIREMENTS 69O Filing for Review 69O Filing for Review 69O Filing for Review 69O-151: REQUIREMENTS FOR REPLACEMENT OF LIFE AND HEALTH COVERAGE 69O Requirements 69O Adoption of Form OIR-D O-154: HEALTH INSURANCE POLICIES 69O Report of Training Instructions Required 69O Guaranteed Availability of Individual Health Coverage to Eligible Individuals 69O Designation of Election to Become a Risk-Assuming or Reinsuring Carrier 69O Change of Status of Individual Issuers Election to Become Risk-Assuming Carrier or Reinsuring Carrier 69O Categories of Reserves 69O Election and Premium Notice Form 69O Withdrawal From the Group Market 69O Withdrawal From the Small Group Market 69O-156: MEDICARE SUPPLEMENT INSURANCE 69O Standards for Claims Payment 69O Loss Ratio Standards and Refund or Credit of Premium 69O Filing and Approval of Policies and Certificates and Premium Rates 69O Reporting of Multiple Policies 69O Medicare Select 69O Enforcement Procedures 69O Filing for Review 69O-157: LONG-TERM CARE INSURANCE 69O Out-of-State Group Long-Term Care Insurance 69O Prior Institutionalization 69O Reporting 69O Definitions 69O Initial Filing Requirements 69O Requirements for Exchange of Coverage 69O Reporting Requirements 69O Premium Rate Schedule Increases 69O Filing Requirement - Out of State Groups 69O Filing Requirements for Advertising 69O Standards for Approved Long-Term Care Partnership Program Policies 69O Rate Increase Standards 69O-162: ANNUITY CONTRACTS 69O Policy Form and Application; Prior Approval; Disapproval or Withdrawal of Filing 69O Annual Statement; Record of Accumulation Required Page 3 of 7

4 69O Stockholders Interest; Schedule of Commissions 69O-163: CREDIT LIFE AND CREDIT DISABILITY INSURANCE 69O Premium Rates 69O Cancellation and Refund Requirements 69O Filing Requirements 69O Determination of Reasonableness of Benefits in Relation to Premium Charge 69O-164: VALUATION AND NONFORFEITURE 69O Universal Life Valuation and Nonforfeiture 69O Valuation of Life Insurance Policies 69O Determining Reserve Liabilities for Preneed Life Insurance 69O-166: PROPERTY AND CASUALTY INSURER PRACTICES 69O Mediation of Property Insurance Claims 69O-167: PROPERTY AND CASUALTY INSURANCE CONTRACTS 69O Private Passenger Motor Vehicle Insurance; Completion of Underwriting Notice of Incorrect Premium, Return of Unearned Prem 69O Rate Filings for Inland Marine Insurance 69O-170: PROPERTY AND CASUALTY INSURANCE RATING 69O Calculation of Investment Income 69O Rate Manual Filings and Revisions 69O Annual Rate Filings 69O Short Rate Cancellations and Fully Earned Premiums Prohibited 69O Filing Procedures for Property and Casualty Insurance Rates, Rules, Underwriting Guidelines, and Forms 69O ACTUARIAL MEMORANDUM 69O Homeowners Insurance Ratemaking and Rate Filing Procedures 69O Dwelling Insurance Ratemaking and Rate Filing Procedures 69O Ratemaking and Rate Filing Procedures for Commercial Residential Insurance and All Other Lines 69O Ratemaking and Rate Filing Procedures for Liability Insurance for Medical Malpractice 69O Rating Organizations 69O Advisory Organizations 69O Loss Reserve Discounts 69O Demand for Arbitration and Response 69O-171: PROPERTY AND CASUALTY INSURER REPORTING REQUIREMENTS 69O Reports by Insurers of Professional Liability Claims and Actions Required 69O Reports of Information by Products Liability Insurers Required 69O Annual Claims Report by Liability Insurers 69O Claims Report by Directors and Officers Liability Insurers 69O Insurer Experience Reporting - Calendar Year Experience 69O-175: MOTOR VEHICLE INSURANCE 69O Calculation and Use of Investment Income in Motor Vehicle Insurance Rates 69O Motor Vehicle Insurance Ratemaking and Rate Filing Procedures 69O Insurer Experience Reporting - Excessive Profits, Automobile Insurance 69O Review Procedures Page 4 of 7

5 69O-176: MOTOR VEHICLE INSURANCE REQUIREMENTS 69O Mediation of Bodily Injury and Property Damage Claims 69O-184: INSURANCE IN CONNECTION WITH INSTALLMENT SALES 69O Company and Agent to Be Responsible 69O-186: TITLE INSURANCE RATES 69O Title Insurance Statistical Gathering 69O-187: PROFESSIONAL LIABILITY SELF-INSURANCE TRUST FUNDS 69O Approval of Service Agent Required 69O Application for the Self-Insurance Trust Fund 69O Continuing Requirements Including Filing of Reports and Rates 69O Contracts for Excess Insurance 69O Termination or Merger of Self-Insurance Trust Fund 69O Exemptions 69O-188: COMMERCIAL SELF-INSURANCE FUNDS 69O Rating Plan: Discounts, Credits, Surcharges 69O Filing of the Commercial Self-Insurance Fund Experience Reporting Form 69O Filing of the Annual Statement by Commercial Self-Insurance Funds 69O Notice Requirement 69O-189: WORKERS' COMPENSATION 69O Workers Compensation: Application and Audit Procedures 69O Deviation Filing Information 69O Records and Reports of Information by Workers Compensation Insurers Required 69O Guidelines for Large Deductible Workers Compensation Filings 69O Insurer Experience Reporting - Excessive Profits, Workers Compensation Insurance 69O Cancellation - Workers Compensation Insurance 69O Workers Compensation Insurer Reporting of Significant Underwriting Change 69O Filing Procedures for Workers Compensation Classifications, Rules, Rates, Rating Plans, Deviations and Forms 69O-190: RULES FOR SELF-INSURERS UNDER THE WORKERS' COMPENSATION ACT 69O Application for Self-Insurers Fund 69O Evaluation of Application for Self-Insurers Fund 69O Conditions for Retaining the Self-Insurance Privilege of Self-Insurers Funds 69O Financial and Actuarial Reports for Self-Insurers Funds 69O Independent Certified Public Accountants 69O Excess Insurance Requirements - Self-Insurers Funds 69O Filing Reports - Self-Insurers Funds 69O Annual Review and Examination - Self-Insurers Funds 69O Trustees Responsibilities 69O Distribution of Surplus Monies by Self-Insurers Funds 69O Premium Billing and Collection 69O Authorized Investments for Self-Insurers Funds 69O-191: HEALTH MAINTENANCE ORGANIZATIONS Page 5 of 7

6 69O Application for Certificate of Authority 69O Standards for Fingerprint Cards for New Applicants and Acquisition Applications 69O Governing Body 69O Filing, Approval of Subscriber Contract and Related Forms 69O Rates 69O Insurance - General Liability and Medical Malpractice/Professional Liability 69O Reinsurance (Excess Loss Insurance) 69O Annual and Quarterly Reports 69O Corrective Action Plans 69O Subscriber Grievance Procedure 69O Change of Name 69O Change of Address 69O Change of Ownership 69O-192: MULTIPLE EMPLOYER WELFARE ARRANGEMENTS 69O General Eligibility 69O Annual Report 69O-193: CONTINUING CARE CONTRACTS 69O Applications 69O Required Financial Reports 69O Financial Viability 69O Phases 69O Escrow Agreements and Amendments 69O Feasibility Studies 69O Updated Feasibility Study 69O Waiver of Minimum Liquid Reserves 69O Accreditation 69O Continuous Updates 69O Background Information 69O-194: PREPAID HEALTH CLINICS 69O Application 69O Insurance - General Liability and Medical Malpractice 69O Rates 69O Reporting Requirements 69O Change of Name 69O Change in Geographic Area 69O-196: PREMIUM FINANCE COMPANIES 69O Filing Surety Bond in Lieu of Net Worth 69O Annual Reports 69O Other Reports and Corrective Action Plans 69O Required Books and Records 69O-197: Insurance Administrator Annual Report Form Page 6 of 7

7 69O Insurance Administrator Annual Report 69O-198: SERVICE WARRANTY ASSOCIATIONS 69O License Continuance 69O Application for and Issuance of License 69O Annual Statement and Quarterly Reports 69O-199: HOME WARRANTY ASSOCIATIONS 69O General Eligibility Requirements 69O License Renewal 69O Annual Statement and Quarterly Reports 69O-200: MOTOR VEHICLE SERVICE AGREEMENT COMPANIES 69O Qualification to Obtain and Hold a License 69O Rate Filings 69O Exemption From Financial Examination 69O-201: LEGAL EXPENSE INSURANCE CORPORATIONS 69O General Eligibility Requirements 69O License Continuance 69O-202: DONOR ANNUITY ORGANIZATIONS 69O Notification of Acquisition, Merger and Name Change 69O General Eligibility Requirements 69O Annual Statement 69O-203: PREPAID LIMITED HEALTH SERVICE ORGANIZATIONS AND DISCOUNT MEDICAL PLAN ORGANIZATIONS 69O Application for Certificate of Authority 69O Standards for Fingerprint Cards for New Applicants and Acquisition Applications 69O Governing Body 69O Filing, Approval of Subscriber Contract and Related Forms 69O Rates 69O Insurance - General Liability and Medical Malpractice 69O Reinsurance (Excess Loss Insurance) 69O Annual and Quarterly Reports 69O Change of Name 69O Change of Ownership 69O Standards for Discount Medical Plans 69O Bundled Products. 69O-204: Viatical Settlement Providers 69O Life Expectancy Providers Page 7 of 7