Life and Health Insurance. State Law Supplement. Maryland

Size: px
Start display at page:

Download "Life and Health Insurance. State Law Supplement. Maryland"

Transcription

1 Life and Health Insurance State Law Supplement Maryland

2

3 Life and Health Insurance State Law Supplement Important: Check for Updates States sometimes revise their exam content outlines unexpectedly or on short notice. To see whether there is an update for this product because of an exam change, go to and check the Insurance Licensing Blog. If there is an update, it will be clearly noted in the blog entries for this state. Maryland Effective April 30, 2013

4 At press time, this edition contains the most complete and accurate information currently available. Owing to the nature of license examinations, however, information may have been added recently to the actual test that does not appear in this edition. Please contact the publisher to verify that you have the most current edition. This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is sold with the understanding that the publisher is not engaged in rendering legal, accounting, or other professional services. If legal advice or other expert assistance is required, the services of a competent professional should be sought. Maryland Life and Health Insurance Law Supplement, Effective April 30, Kaplan, Inc. The text of this publication, or any part thereof, may not be reproduced in any manner whatsoever without written permission from the publisher. If you find imperfections or incorrect information in this product, please visit and submit an errata report. Published in April 2013 by Kaplan Financial Education. Printed in the United States of America. ISBN: / PPN:

5 Maryland Law Supplement 1 INTRODUCTION This supplement focuses on statutes regarding Maryland insurance law. Key aspects of each statute are discussed to help the student pass the state law portion of the licensing examination. In order to understand the content of this supplement, the student should first study the national insurance License Exam Manual. Thorough preparation for the exam requires the complete study of both the national License Exam Manual and the supplement. I. Maryland Laws and Regulations Pertinent To Life, Accident, and Health Insurance Powers and duties of the commissioner [Secs , 104, 108, 201] The Maryland Insurance Commissioner has numerous powers and duties. According to Maryland state law, he shall administer and enforce all laws pertaining to the business of insurance. The Commissioner: revokes licenses of companies, producers, and adjusters for just cause; reports illegalities in the insurance business to the attorney general; has the power to revoke and suspend licenses, but the attorney general prosecutes when insurance laws are broken; regulates companies for solvency and regulates most insurance rates; collects fees and issues insurance licenses; delegates examining duties by appointing examiners or deputies; conducts hearings due to complaints; issues cease and desist orders for just cause; is appointed by the governor and consent of the Senate for a term of four years; and prepares and delivers an annual report to the governor and the general assembly. 1. The main function of the Insurance Commissioner is to protect the public regarding the business of insurance. The Commissioner shall be appointed by the governor with consent of the Senate for a term of four years and serve at the pleasure of the governor. The Commissioner, subject to the approval of the governor, shall appoint a Deputy Insurance Commissioner and during a vacancy in the office of the Commissioner, or in the absence or disability of the Commissioner for any reason, the Deputy Commissioner shall exercise all the powers and duties vested by law in the Commissioner. The Deputy Commissioner shall be covered by a surety bond in accordance with Maryland law. The Commissioner or any deputy, examiner, assistant, or employee of the Commissioner shall not be financially interested in any insurer, insurance agency, or insurance transaction except as a policyholder or claimant under a policy (conflict of interest). The Commissioner shall counsel and advise the governor on all matters assigned to the Administration. a.) Administration [Sec ] There is a Maryland Insurance Administration. This Administration is an independent unit of the state government. It is headed up by the Maryland Insurance Commissioner. The Commissioner shall control and supervise the Administration.

6 2 Maryland Law Supplement b.) Departmental divisions [Sec (a)] The Commissioner shall establish divisions or sections in the Administration, along the following lines of responsibility: Life insurance and health insurance Property insurance and casualty insurance Audit and examination Insurance professions Consumer affairs Insurance fraud c.) The Commissioner may: establish other areas of responsibility in the Administration; and reorganize or abolish areas of responsibility as necessary to fulfill effectively the duties of the Commissioner. 2. Examinations [Secs , 205, 207, 208] If the Commissioner finds it necessary to examine insurers, he may examine any accounts, records, documents, or transactions pertaining to these insurers. The Commissioner may also examine any producer, surplus lines broker, general agent, adjuster, public adjuster, or adviser. The expense incurred in any examination made pursuant to Maryland law must be paid for by the person or entity examined. The Commissioner must examine each domestic insurer and health mainte nance organization at least once every five years. 3. Orders or notices [Sec ] An order or notice of the Commissioner must be in writing and signed by the Commissioner or an individual authorized by the Commissioner. The order of the Commissioner shall state the effective date, its purpose, the grounds on which it is based, and the action or proposed action that will be taken. An order or notice may be served by a person or mailed to the person s last known address. 4. Hearings [Secs , 211, 214, 215] The Commissioner may hold a hearing if required by any provision of Maryland law or upon written demand by a person aggrieved by any act of the Commissioner. These hearings shall be held within 30 days after receipt of written demand by the Commissioner. Not less than 10 days in advance, the Commissioner shall give notice of the time and place of any hearing called. Within 30 days after termination of the hearing he shall make his order based on the hearing and provide a copy of such an order to the persons who were given the notice of hearing. Any person who is a party to such a hearing or whose pecuniary interests are directly or immediately affected by any such an order or refusal and who is aggrieved thereby may, within 30 days after the order has been delivered to the person, file an appeal with the Commissioner. 5. Penalties [Sec ] Each willful violation of any provisions of this article of Maryland law, with respect to the violation a greater penalty is not provided by other applicable laws of this state, may, in addition to any administrative penalty otherwise applicable thereto, and upon conviction in a court of competent jurisdiction of this state, be punishable by a fine of not more than $100,000.

7 Maryland Law Supplement 3 6. Rates [Sec ] The Commissioner is responsible for regulating insurance rates so they are not excessive, inadequate, or unfairly discriminatory, and the Commissioner also regu lates rate-making among insurers. 7. Regulatory jurisdiction The law of the state in which an insurance policy is delivered governs the contract. The policy may not contain a provision stating that the laws of the home state of the insurer govern the policy provisions. Definitions 1. Domestic insurance company This is a company incorporated, formed, or organized under the laws of Maryland and usually has its principal or home office located in this state. 2. Foreign insurance company This is a company incorporated or organized under the laws of another state but is licensed and permitted to conduct the business of insurance in the State of Maryland. a. For instance, Hanover Insurance Company of Worcester, Massachusetts is authorized to solicit insurance business in the State of Maryland. Therefore, in the State of Maryland, the Hanover Insurance Company is viewed as a foreign insurer. 3. Alien insurance company This is a company incorporated or organized outside the United States but licensed in the State of Maryland. a. For instance, Continental Reinsurance Company of London, England is incorporated in another country (England) but is licensed to conduct the business of insurance in this state. 4. Authorized insurance company An insurer that has received a certificate of authority from the State of Maryland and is licensed or authorized to conduct insurance business in this state is referred to as an authorized company. An authorized insurance company may also be referred to as an admitted company. 5. Unauthorized insurance company An insurer that has not received a certificate of authority from the State of Maryland and is not licensed or authorized to transact insurance business in this state may be referred to as an unauthorized company. An unauthorized insurance company may also be referred to as a nonadmitted company. 6. Transacting insurance [Sec ] The insurance business includes the transaction of all matters pertaining to a contract of insurance, both before and after the effectuation of such a contract, and all matters arising out of such a contract or any claim thereunder. Insurance business does not include the pooling together by public entities for the purpose of self-insuring casualty risks.

8 4 Maryland Law Supplement a. Transacting insurance involves making, negotiating, procuring, or proposing to make an insurance contract, taking an application, receiving or collecting premiums, issuing contracts, or any form of business considered insurance business. Other types of actions considered transacting insurance involve disseminating information as to coverages or rates, forwarding applications, delivering policies, inspecting risks, fixing rates, or investigating losses or claims. b. Premium tax [Sec ] In Maryland, the premium tax rate is 0% for annuity premiums and 2% for all other premiums. c. Insurance business does not include the pooling together by public entities for the purpose of self-insuring casualty risks. 7. Certificate of authority [Secs , 102] No person may act as an insurer, and no insurer may engage in the insurance business in this state except as authorized unless a certificate of authority is issued to it by the Commissioner. a. No insurer may have or maintain in Maryland any office, representative, or other facilities for the solicitation or servicing of any kind of insurance in any other state unless it is then authorized to engage in the same kind of insurance business in this state. b. A certificate of authority may not be required of an insurer with respect to the following: Transactions subsequent to issuance of a policy covering only subjects of insurance not resident, located, or expressly to be performed in Maryland at the time of issuance Transactions pursuant to surplus lines coverage lawfully written according to Maryland law Reinsurance transactions, except as to domestic reinsurers c. To engage in the insurance business in this state an insurer must be in compliance with Maryland law and with its charter powers and must be an incorporated stock insurer, an incorporated mutual insurer, or a reciprocal insurer. No Lloyd s underwriters may be organized in this state, and no foreign or alien Lloyd s underwriters may be authorized to engage in an insurance business in this state. d. Company name No insurer may be authorized to engage in an insurance business in Maryland that has or uses a name so similar to that of any insurer already so authorized as to tend to cause uncertainty or confusion or that tends to deceive or mislead as to the type of organization of the insurer. 8. Producer [Secs ; 1-101(u)(1)] This is a person who for compensation in any manner solicits, procures, or negotiates insurance contracts or the renewal or continuance of the insurance contracts. a. A producer does not include: individuals employed and used by producers or insurers for the performance of clerical or similar office duties;

9 Maryland Law Supplement 5 any regular salaried officer or employee of an insurer rendering assistance to or on behalf of a qualified producer, provided that the salaried officer or employee receives no commission or other compensation directly dependent on the amount of business obtained; or any person who secures and forwards information for the purpose of group insurance coverage or for enrolling individuals under group insurance coverages, when no commission is paid for these services. b. An independent producer is a producer who is not owned or controlled by any insurer or group of insurers. An independent producer s appointment does not prohibit the representation of more than one insurer or group of insurers. An independent producer s records shall remain the property of that producer, and he also retains the use and control of all expirations incurred while running the agency. In other words, the business solicited by an independent producer belongs to him. c. License [Secs (c)(1)] Before acting as an insurance producer, a person must obtain a license in the kind of insurance for which the person intends to act as a producer. In addition, a producer may not sell, solicit, or negotiate insurance on behalf of an insurer unless producer has an appointment from the insurer. However, a producer who does not have an appointment may: submit an informal inquiry to an insurer for any kind of insurance for which the insurance producer has a license; and solicit an application for any kind of insurance for which the producer has a license. d. License requirements [Sec ] To obtain a license to act as an insurance producer, a person must: file the appropriate application form with the Commissioner affirming that the individual is of good character and trustworthy; be at least 18 years old; meet the education, experience, and other qualification provisions of Maryland law; not have committed any act that would warrant denial of a license by the Commissioner; pass a written exam; and pay the appropriate and specified fee. e. Applicant qualifications [Sec ] Individual applicants for producer licenses are required to comply with several requirements including the following. 1.) Education and experience requirement [Sec ] The applicant must: be at least 18 years old; successfully complete a program of study approved by the Commissioner;

10 6 Maryland Law Supplement have been regularly employed as an employee of the insurance division or by an insurer or a producer for a period not less than one year (during the three years prior to the date of application) in responsible insurance duties in connection with the type of insurance for which the applicant desires to be qualified; or have been regularly employed by an insurer or a producer for a period not less than one year during the three years next preceding the date of entrance into the services of the armed forces of the United States. 2.) Written examination [Sec ] The Commissioner requires license applicants to satisfactorily pass a written examination. The examination will be given by the Commissioner and must be graded within 30 days after the date of the examination. Any person who has taken and failed to pass an examination is not entitled to take any further examination until 14 days after the date of the last examination that person failed. 3.) Examination exceptions [Sec ] The Commissioner may waive examination and experience require ments for those who have the following advance designations (in the case of a life license): CLU TM (Chartered Life Underwriter TM ), FSA (Fellow of the Society of Actuaries), CEBS (Certified Employee Benefit Specialist), ChFC (Chartered Financial Consultant), CIC (Certified Insurance Counselor), CFP (CERTIFIED FINANCIAL PLANNER TM ), FLMI (Fellow, Life Management Institute), LUTCF (Life Underwriter Training Council Fellow); and (in the case of a health license) RHU (Registered Health Underwriter), CEBS (Certified Employee Benefit Specialist), REBC (Registered Employee Benefit Consultant), HIA (Health Insurance Associate). a.) Licensing exemptions [Sec ] The licensing requirements of this section do not apply to: an insurer; an officer, director, or employee of an insurer or of an insurance producer who does not receive any commission on policies written or sold to insure risks residing, located or to be performed in the state if: the activities of the officer, director, or employee are executive, administrative, managerial, clerical, or a combination of these, and are only indirectly related to the sale, solicitation, or negotiation of insurance, the function of the officer, director, or employee relates to underwriting, loss control, inspection, or the processing, adjusting, investigating, or settling of a claim on a contract of insurance, or the officer, director, or employee is acting in the capacity of a special agent or agency supervisor assisting insurance producers where the individual 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; and

11 Maryland Law Supplement 7 an individual who performs administrative services related to mass marketed property and casualty insurance, provided that no commission is paid to the individual for the services; an employer, association, the officers, directors, and employees of an employer or association, or the trustees of an employee trust plan if: the employer, association, officers, directors, and employees, or trustees are engaged in the administration or operation of a program of employee benefits for the employer s or association s own employees or the employees of its subsidiaries or affiliates, the program involves the use of insurance issued by an insurer, and the employer, association, officers, directors, and employees, or trustees are not in any manner compensated, directly or indirectly, by the insurer issuing the contracts; and an employee of an insurer or organization employed by an insurer who is: engaged in the inspection, rating, or classification of risks or in the supervision of the training of insurance producers, and not individually engaged in the sale, solicitation, or negotiation of insurance; and a person whose activities in the state are limited to advertising without the intent to solicit insurance in the state through communications in printed publications or other forms of electronic mass media if: the distribution of the printed publications or other forms of electronic mass media is not limited to residents of the state, and the person does not sell, solicit, or negotiate insurance that would insure risks residing, located, or to be performed in the state; and a person who is not a resident of the state who sells, solicits, or negotiates a contract of insurance for commercial property and casualty risks to an insured with risks located in more than one state insured under the contract if: the person is otherwise licensed as an insurance producer to sell, solicit, or negotiate that insurance in the state where the insured maintains its principal place of business, and the contract insures risks located in that state, or a salaried, full-time employee who counsels or advises the employee s employer relative to the insurance interests of the employer or of the subsidiaries or business affiliates of the employer, provided that the employee does not sell or solicit insurance or receive a commission.

12 8 Maryland Law Supplement 4.) Fees [Sec ] a.) Fees for certificates of qualification Application fee... $25 b.) Managing general agent certificate of qualification Fee for initial certificate... $30 Annual renewal fee... $30 c.) Surplus lines broker certificate of qualification Fee for initial certificate within one year of renewal... $100 Fee for initial certificate more than year from renewal... $100 Biennial renewal fee... $200 d.) Fee for temporary insurance producer licenses and appointments... $27 e.) Public adjuster license Fee for initial license within one year of renewal... $25 Fee for initial license more than one year from renewal... $50 Biennial renewal fee... $50 f.) Adviser license Fee for initial license within 1 year of renewal... $100 Fee for initial license over 1 year from renewal... $200 Biennial renewal fee... $200 g.) Insurance producer license Fee for initial license... $54 Biennial renewal fee... $54 Application fee... $25 h.) Fee for each insurance vending machine license, for each machine every second year... $50 f. A producer may conduct insurance business affairs as a partnership or a corporation provided that every individual who solicits, negotiates, or accepts insurance business from the public possess a license. 1.) Qualifications of business entity [Sec ] To qualify for a license as an insurance producer, a business entity must designate a licensed insurance producer to act as the business entity s principal contact with the Administration. The designated insurance producer shall: provide to the Administration at the time of designation the insurance producer s name, business address, business telephone number, business facsimile number, and business electronic mail address;

13 Maryland Law Supplement 9 notify the Insurance Administration in writing of any change in the information within 10 days after the change; compile and maintain, to the extent reasonably possible, a list of locations where records of the business entity are maintained; and on request, cooperate with any investigation conducted by the Administration unless the cooperation is subject to a legal privilege asserted by the designated insurance producer or the business entity. g. Name or address change [Sec ] Every producer is required to file with the Commissioner, the agency or trade names to be used, its business address, and the name and residence addresses of each individual possessing a license who does business under the agency or trade name. The Insurance Department must be notified of a change of address within 30 days. h. Appointment [Sec , 118(b)(2)] Every insurer must maintain a producer register of appointed insurance producers who are authorized to sell, solicit, or negotiate insurance on its behalf. Within 30 days of appointing a producer, the insurer must record information about the appointment in the insurer s producer register and send documentation of the appointment to the producer. 1.) A licensed insurance producer who has been appointed by an insurer must maintain documentation of the insurer s appointment and a list of the insurers that have appointed the producer. This documentation is subject to inspection and examination by the Commissioner. 2.) An insurer may initially accept an insurance application from a insurance producer who is not appointed by the insurer and is not on the insurer s producer register if, within 30 days of accepting the application, the insurer rejects the application or appoints the producer and enters the required information in the insurer s producer register. 3.) Termination of appointment [Sec (e), (g)] All insurers doing business in this state must, within 30 days after the effective date of the termination of a producer, update the insurer s producer register by entering the effective date of the termination. The insurer must provide notice to the Commissioner of the termination and must mail a copy of the notice to the insurance producer within 15 days after notifying the Commissioner. Any disclosure to the Commissioner is considered a privileged communication and may not be used in any court action or proceeding other than an appeal from action of the Commissioner. i. Nonresident insurance producers [Sec ] Waiver of require ments for nonresidents The Commissioner shall waive any license application requirements for an applicant who is not a resident of this state if: the applicant has a valid license from the home state of the applicant; and the home state of the applicant awards nonresident licenses to residents of this state on the same basis.

14 10 Maryland Law Supplement 1.) Authority for nonresidents to obtain licenses Unless denied a license, a person who is not a resident of this state may obtain a nonresident license to act as an insurance producer if: the person currently is licensed as a resident insurance producer and in good standing in the person s home state; the person has submitted or transmitted to the Commissioner the applica tion for licensure that the person submitted to the person s home state or a completed uniform application; the person has paid the applicable fee; and the person s home state awards nonresident insurance producer licenses to residents of this state on the same basis. 2.) An individual who applies for an insurance producer license in this state who was previously licensed for the same lines of authority in another state need not comply with the education, experience, and examination requirements if: the person currently is licensed as an insurance producer in the home state of the person; the application is received by the Commissioner within 90 days after the cancellation of the applicant s previous license and 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 its subsidiaries indicate that the producer is or was licensed in good standing for the line of authority requested. j. License renewal [Sec ] Producer licenses are renewed every two years on the last day of the producer s birth month. If a license expires, the appointments held by the producer must be terminated as of the date of expiration. At least one month before a license expires, the Commissioner will mail the holder of the license a renewal application form, a notice that states the date by which the Commissioner must receive the renewal application, and the amount of the renewal fee. Before a license expires, the holder of the license may renew it for an additional two-year term if the holder files a renewal application, completes the required continuing education, and pays the required renewal fee. If accepted, the Commissioner will issue a renewal license. The Commissioner may also refuse to renew the license and must give notice to the holder within five days. 1.) Reinstatement [Sec ] For up to one year after the expiration date, a person whose license has expired may reinstate the expired license by: filing the appropriate reinstatement application with the Commissioner;

15 Maryland Law Supplement 11 paying the Commissioner the applicable renewal fee and a reinstatement fee of $100; and submitting proof of completion of the continuing education requirements. a.) A person whose license has expired is prohibited from conducting any insurance business until the effective date of the reinstatement. b.) If a person applies for reinstatement within 60 days after the license expired, the Commissioner will reinstate the license retroactively, with the reinstatement effective on the date the person s license expired. If a person applies for reinstatement more than 60 days after the license expired, the Commissioner will reinstate the person s license prospectively, with the reinstatement effective on the date the license is reinstated. c.) A person who does not request reinstatement within one year after the expiration date must apply for a license and meet the requirements specified by the Commissioner. d.) The Commissioner may waive the reinstatement procedures for a producer who is unable to comply with the renewal and reinstatement requirements due to military service or other extenuating circumstances, including a long-term medical disability. k. Continuing education [Sec ] 1.) Producers must comply with the state s continuing education requirement as a condition of renewing their licenses. The Commissioner may review all continuing education courses submitted and approve or disapprove courses. 2.) Producers who are licensed in a major line of authority (i.e., propertycasualty, life, health) must complete 24 hours of continuing education per renewal period. 3.) Producers who have a title insurance license must complete 16 hours of continuing education per renewal period. 4.) Producers who have been licensed for 25 or more consecutive years as of October 1, 2008, only need to complete eight hours of continuing education per renewal period. 5.) At least three of the required continuing education hours must be in courses related to ethics. 6.) Producers must complete continuing education courses in the line of authority for which the producer is licensed.

16 12 Maryland Law Supplement 7.) Health insurance producers who sell long-term care insurance must complete two hours of continuing education related to long-term care insurance. 8.) Each insurance producer who possesses a license to sell health insurance and who markets the senior prescription drug assistance program or assists a Medicare beneficiary to enroll in the senior prescription drug assistance program shall receive continuing education that directly relates to the senior prescription drug assistance program. 9.) Property-casualty producers who sell flood insurance must complete two hours of continuing education related to flood insurance. 10.) The Commissioner may not require an insurance producer to receive more than 16 hours of continuing education in a renewal period if the insurance producer is also a licensed funeral director or licensed mortician who: sells only life insurance policies or annuity contracts that fund a pre-need contract; and is not a viatical settlement broker. 11.) The Commissioner may waive the continuing education requirement for a producer for just cause. 12.) The following are exempt from the CE requirement: HMO employees who solicit membership in the HMO under a contract between the HMO and the Department of Health and Mental Hygiene Maryland attorneys who have a title insurance license Individuals who hold limited lines credit licenses or other limited lines licenses designated by the Commissioner as exempt Nonresident licensees whose state of residence has a continuing education reciprocity agreement with Maryland l. A person not resident and not having a place of business in this state (nonresident licensee) may receive a license to act as a producer upon compliance with the provisions of Maryland law, provided that the state in which the person resides will allow the same privilege to a resident of this state (reciprocity). m. Denial, suspension, and revocation of licenses [Sec ] An original application for a license may be refused until the Commissioner is satisfied that the applicant is not guilty of violating any provisions of Maryland law. A license duly issued may be suspended or revoked or may have the renewal refused by the Commissioner if he finds, after notice and hearing, that the applicant for, or holder of the license (producer) has: willfully violated any provision of Maryland law; intentionally misrepresented or concealed any material fact in the application for the license;

17 Maryland Law Supplement 13 obtained his license by misrepresentation, concealment, or fraud; misappropriated or withheld monies belonging to an insurer, producer, beneficiary, or insured; willfully and materially misrepresented the provisions of an insurance policy; committed fraudulent or dishonest practices in the business of insurance; been convicted of a crime involving moral turpitude; knowingly participated in the writing or issuance of substantial overinsurance of any property insurance risks; failed to pass an examination required under Maryland law; willfully failed to comply with any order, rule, or regulation issued by the Commissioner; failed or refused to pay over any money in his hands belonging to an insurer, producer, or any other person entitled to receive the same; shown a lack of trustworthiness or lack of competence to act as a producer; not intended to carry on business in good faith and hold himself out to the public as a producer; been refused a license or had his license suspended or revoked in another state; intentionally or willfully made any statement materially misrepresenting or making incomplete comparisons regarding the terms or conditions of any policy contract issued by any authorized insurer for the purpose of inducing or attempting to induce the owner of a policy to lapse, surrender, or forfeit the policy (twisting); solicited or negotiated insurance contracts for an unauthorized insurer; knowingly employed or continued to employ an individual acting in a fiduciary capacity who has been convicted of a felony or crime of moral turpitude within the preceding 10 years; forged another s name to an application for insurance or to any document related to an insurance transaction; improperly used notes or any other reference material to complete an examination for a license; failed to pay income tax or related interest or penalty under an assessment that is final or an order of the tax court that is final and not subject to judicial review; made an inaccurate statement with actual malice when providing information regarding the termination of a producer s appointment with an insurer; or transacted insurance business that was directed to him by a person whose license to engage in the insurance business was suspended or revoked. 1.) Criminal acts [Sec ] If an insurance producer is prosecuted for a crime in any jurisdiction, the producer shall report the prosecution to the Commissioner within 30 days after the producer s initial appearance before a court. The report shall include a copy of the charging document, any order issued by a court, and any other relevant legal documents.

18 14 Maryland Law Supplement n. Penalties [Sec , 301] The Commissioner may impose a penalty of not less than $100 nor more than $500 from the producer whose license is subject to suspension or revocation under Maryland law, and the Commissioner may require the individual to pass an examination and file a new application before the suspension is lifted. The Commissioner may require that restitution be made to any citizen who has suffered financial injury or damage as a result of the violation of any provisions of Maryland law. In addition to any administrative penalty otherwise applicable, a person who willfully violates any provision, with respect to which a greater penalty is not provided by other applicable state law, is guilty of a misdemeanor and on conviction is subject to a fine not exceeding $100,000. o. Name or address change [Sec ] Every producer is required to notify the Commissioner of a change in legal name or address within 30 days of the change. p. Temporary licenses [Sec ] 1.) Without regard to the education, experience, or examination requirements, the Commissioner may issue a temporary license to act as an insurance producer to an individual if the individual: is otherwise qualified; and is the surviving spouse, next of kin, personal representative, or appointee of the personal representative of a deceased insurance producer, the spouse, next of kin, employee, or legal guardian of a mentally or physically disabled insurance producer, or an employee of a firm, or an officer or employee of a corporation, of a deceased or disabled insurance producer. 2.) Qualifications of temporary insurance producers Before a person acts as a temporary insurance producer in the state, the person must obtain: a temporary license in the kind of insurance for which the person intends to act as an insurance producer; and if applicable, an appointment from an insurer. 3.) Applications for temporary license An applicant for a temporary license shall: file with the Commissioner an application on the form that the Commissioner provides; and pay to the Commissioner the applicable fee. 4.) Issuance or refusal of temporary license Within 30 days after the date an application is received, the Commissioner shall: issue a temporary license to the applicant; or refuse in writing to issue a temporary license, stating the reasons for the refusal.

19 Maryland Law Supplement 15 5.) Term of temporary license A temporary license expires 15 months after its effective date. q. Commingling of funds [COMAR ] 1.) Every insurance producer acting as such in this state who does not have the express written consent of the insurance producer s principals to mingle premium monies with the insurance producer s personal funds shall hold the premium monies separate from other funds in accordance with this regulation. 2.) Insurance producers who do not make prompt remittance to principals and assureds of the funds shall deposit them in one or more appropriately identified accounts in a bank or banks authorized to do business in this state or subject to jurisdiction of this state, from which withdrawals may not be made except as hereinafter specified (any such account is hereinafter referred to as a premium account). 3.) An insurance producer who makes remittances to principals or assureds of the funds not later than the close of the fifth business day following receipt of the funds shall be deemed to have made prompt remittance and need not maintain a premium account for the funds. The term business day does not include Saturdays, Sundays, or legal holidays. 4.) Deposits in a premium account in excess of aggregate net premiums, return premiums, and deposits received but not remitted may be made to maintain a minimum balance, to guarantee the adequacy of the account, or to pay premiums due but uncollected (any such deposit is hereinafter referred to as a voluntary deposit). r. Identity of insurer [COMAR ] The identity of the insurer shall be made clear in all of its advertisements. An advertisement may not use a trade name, service mark, slogan, symbol, or other device that has the tendency to mislead or deceive as to the true identity of the insurer. s. Special enforcement procedures [COMAR (a)] advertising file Each insurer shall maintain at its home or principal office a complete file containing every printed, published, or prepared advertisement of individual policies and typical printed, published, or prepared advertisements of blanket, franchise, and group policies hereafter disseminated in this or any other state whether or not licensed in the other state, with a notation attached to each advertisement that shall indicate the manner and extent of distribution and the form number of any policy advertised. The file shall be subject to regular and periodical inspection by this division. These advertisements shall be maintained in this file for a period of not less than three years. t. Advertisements of benefits payable, losses covered, or premiums payable [COMAR ] 1.) Deceptive words, phrases, or illustrations Words, phrases, or illustrations may not be used in a manner that misleads or has the ten-

20 16 Maryland Law Supplement dency to deceive as to the extent of any policy benefit payable, loss covered, or premium payable. An advertisement relating to any policy benefit payable, loss covered, or premium payable shall be sufficiently complete and clear as to avoid deception or the tendency to deceive. 2.) Exceptions, reductions, and limitations When an advertisement refers to any dollar amount, period of time for which any benefit is payable, cost of policy, or specific policy benefit or the loss for which the benefit is payable, it shall disclose those exceptions, reductions, and limitations affecting the basic provisions of the policy without which the advertisement would have the tendency to mislead or deceive. 9. Public adjusters [Sec ] A public adjuster is anyone who receives compensation for investigating, evaluating, or giving advice on the adjustment of firstparty insurance claims under insurance contracts that insure real or personal property (other than motor vehicle insurance policies) or who solicits that kind of business. 10. Adviser [Secs , 204, 206, 211] No person may act as an insurance adviser, as defined under Maryland law, unless so authorized by virtue of a license issued or renewed pursuant to the provisions of Maryland law. a. The term insurance adviser means any person who, for money, a fee, commission, or any other thing of value offers to examine any policy of insurance for the purpose of giving any advice, counsel, recommendation, or information with respect to coverages and benefits provided by the contract. 1.) Any person who gives advice for a fee and uses the title of insurance adviser, insurance specialist, insurance counselor, insurance analyst, policyholders adviser, policyholders counselor, refund company, or any other similar title indicating that he is engaged in the business of giving advice or counsel shall be deemed an insurance adviser. b. A license as an insurance adviser will not authorize adjusting of losses nor receipt of compensation from insurers or producers for the sale or placement of insurance. c. Maryland law regarding advisers will not apply to: any officer, employee, producer or other representative of any authorized insurer while acting for an insurer; any producer possessing a license who acts on behalf of his client; to any attorney-at-law in this state acting within the course or scope of his profession; nor any licensed public adjuster acting within the scope of his license. d. The Commissioner of Insurance may issue an insurance adviser s license to: any person who is a resident of Maryland or who is a nonresident licensed as an insurance adviser in the state of the person s residence;

21 Maryland Law Supplement 17 a person who is a member of the Society of Actuaries, the Casualty Actuarial Society, or the Conference of Actuaries in Public Practice; a person who has been conferred the Chartered Property Casualty Underwriter (CPCU ) designation; a person who has been conferred the Chartered Life Underwriter (CLU ) designation; a person who has been conferred the Certified Employee Benefits Specialist(CEBS) designation; or any person who has successfully completed a course of study equivalent to any course of study required for membership in good standing in any of the aforementioned societies or organizations as approved by the Commissioner. e. The Commissioner may issue a limited insurance advisers license restricting the authority of the licensee to an extent agreed upon with said licensee. These limitations will be set forth in the license. In all other respects, the granting of limited insurance advisers licenses shall be governed by the provisions previously mentioned regarding insurance advisers. f. No license to act as an insurance adviser may be issued to anyone other than an individual. Licensees may conduct their insurance advisory business as a sole proprietorship, partnership, association, or corporation, provided that every individual who acts as an insurance adviser shall be licensed in accordance with the provisions of Maryland law, provided the trade name is registered with the Insurance Commissioner. g. Every insurance advisers certificate of qualification (license) issued pursuant to Maryland law expires at the end of every other June 30 unless it is renewed for a two-year term. h. No license or renewal license may be issued to any applicant unless there be on file with the Commissioner a bond in the penal sum of $1,000. These bonds may be made to the State of Maryland and shall specifically authorize recovery by the state of the penal sum provided in case the insurance adviser shall have been guilty of fraudulent or dishonest practices in connection with transactions of his or its business as an insurance adviser. i. The Commissioner may at any time require information that he deems necessary with respect to the business methods, policies, contracts, and transactions of a person, firm, association, or corporation licensed as an adviser. This information shall be furnished within 10 days after receiving written request and on forms as required by the Commissioner. j. No contract or agreement between an insurance adviser and any other person shall be enforceable by or on behalf of an insurance adviser unless it is in writing and executed personally in duplicate by the person to be charged or by his legal representative.

22 18 Maryland Law Supplement k. No person whose license has been revoked shall be entitled to any license or renewal license for a period of one year after the revocation, or if the revocation be judicially reviewed, for one year after the final determination of the judicial proceeding confirming the action of the Commissioner in revoking the license. l. If an application for a license under Maryland law is refused, or if any license is suspended or revoked by the Commissioner, notice shall be supplied to the applicant or to the licensee by registered or certified mail addressed to his last known address on record with the Commissioner. 11. Surplus lines broker and unauthorized insurers [Secs ; ] The purpose of a surplus lines law is to promote public welfare and to protect the public interest by regulating, taxing, supervising, and controlling unlicensed (unauthorized) insurers in Maryland. This type of law was also created to regulate the persons through whom the insurance (surplus lines brokers) is placed and to protect licensed insurers from unfair competition. a. Surplus lines insurance involves the full amount of a policy of insurance required to protect the interest of an insured who cannot obtain coverage in the normal market from insurers authorized to do business in this state. Once an insured attempts to secure coverage from three or more insurers who are authorized in this state and is unable to do so, coverage may be secured from a surplus lines insurer (through a surplus lines broker). b. Surplus lines coverage may be procured from unauthorized insurers subject to the following conditions: if procured through a broker, the insurance must be procured through a licensed surplus lines broker licensed in the State of Maryland, and the insurance must be eligible as surplus lines insurance in accordance with the provisions of Maryland law. 12. Types of companies [Sec ] a. Stock company This is a company owned by the holders of the company s capital stock whose main motivation is achieving profits. Policyholders of a stock company are not entitled to dividends nor liable for any assessments that may be necessary. b. Mutual company This is a company owned by its policyholders with the policyholders sharing in the company s profits in the form of dividends. Some mutual companies issue assessable policies while others issue nonassessable policies. c. Reciprocal Reciprocal insurance is that resulting from an interexchange among persons, known as subscribers, of reciprocal agreements of indemnity, the interinsurance being effectuated through an attorney-in-fact common to all such persons. 1.) A reciprocal insurer means an unincorporated aggregation of subscribers operating individually and collectively through an attorney-in-fact to provide reciprocal insurance among themselves.

23 Maryland Law Supplement 19 2.) A reciprocal insurer may, upon qualification according to the provisions of Maryland law, engage in any kind or kinds of insurance business except life and health insurance other than as supplementary coverage in a policy of liability insurance. Such an insurer may purchase reinsurance and may grant reinsurance as to any of insurance business in which it is authorized to engage. 13. Commissions [Sec ] A commission, fee, reward, rebate, or other consideration for selling, soliciting, or negotiating insurance may not be paid, directly or indirectly, to a person other than a licensed insurance producer. a. For life insurance or health insurance, this does not prohibit payment to or receipt by a person who formerly held a license and, if the person acted on behalf of an insurer, an appointment of: commissions on renewal premiums on existing policies; or other deferred commissions. b. Penalty A person who violates this act is guilty of a misdemeanor and one conviction is subject to a fine not exceeding $500 or imprisonment not exceeding six months or both for each violation. 14. Record retention [Comm. Law Sec ] If a law requires that a record be retained, the requirement is satisfied by retaining an electronic record of the information in the record which: accurately reflects the information set forth in the record at the time it was first generated in its final form as an electronic record or otherwise; and remains accessible for later reference. 15. Trust accounts [Bus. Reg. Sec ] A trust account means a preneed trust account. a. A preneed burial contract shall contain: the name of the buyer; the name of the seller; the name of each individual, other than the buyer, as to whom the preneed goods or preneed services are to be furnished; a description of the preneed goods or preneed services; and the amount of the buyer s financial obligation. b. A cemetery that makes a preneed burial contract may impose interest or a finance charge on preneed goods delivered before death or preneed services performed before death. If a cemetery imposes an interest or finance charge, the interest or finance charge shall be at a fixed rate. c. Trust account management Each trust account shall be: titled preneed trust account ; and established by the seller in the seller s name.

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

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

QUICK NOTES Insurance Schools, Inc. Supplemental Study Guide. For NEW YORK QUICK NOTES Insurance Schools, Inc. Supplemental Study Guide For NEW YORK LIFE, ACCIDENT & HEALTH INSURANCE AGENT / BROKER EXAMINATION SERIES 17-55 (April 2015 Edition) Click here http://www.insurance-schools.com/category.aspx?categoryid=516

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

16 LC 37 2118ER A BILL TO BE ENTITLED AN ACT BE IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA:

16 LC 37 2118ER A BILL TO BE ENTITLED AN ACT BE IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA: Senate Bill 347 By: Senator Bethel of the 54th A BILL TO BE ENTITLED AN ACT 1 2 3 4 5 6 To amend Title 33 of the Official Code of Georgia Annotated, relating to insurance, so as to provide for extensive

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

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

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

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

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

CHAPTER 20 REGULATION GOVERNING CONTINUING EDUCATION

CHAPTER 20 REGULATION GOVERNING CONTINUING EDUCATION CHAPTER 20 REGULATION GOVERNING CONTINUING EDUCATION Section 1. Statutory Authority. The statutory authority for this regulation is W. S. 26-9-231(c) and W. S. 26-2- 110. It is adopted pursuant to the

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

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

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

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

How To Use The Word \"Funeral\" In North Carolina

How To Use The Word \Funeral\ In North Carolina 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

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

NC General Statutes - Chapter 58 Article 49 1

NC General Statutes - Chapter 58 Article 49 1 Article 49. Determination of Jurisdiction Over Providers of Health Care Benefits; Regulation of Multiple Employer Welfare Arrangements. 58-49-1. Purposes. The purposes of this section and G.S. 58-49-5

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

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

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

CHAPTER 267. BE IT ENACTED by the Senate and General Assembly of the State of New Jersey:

CHAPTER 267. BE IT ENACTED by the Senate and General Assembly of the State of New Jersey: CHAPTER 267 AN ACT concerning third party administrators of health benefits plans and third party billing services and supplementing Title 17B of the New Jersey Statutes. BE IT ENACTED by the Senate and

More information

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

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

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

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

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

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

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

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

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

RESIDENT PRODUCER. Requirements and Procedures for Obtaining a Producer License Producer License General Information

RESIDENT PRODUCER. Requirements and Procedures for Obtaining a Producer License Producer License General Information RESIDENT PRODUCER Requirements and Procedures for Obtaining a Producer License Producer License General Information QUALIFICATIONS 1. Applicant shall be at least 18 years of age. 2. Applicant shall be

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

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

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

MARYLAND LAWS AND REGULATIONS ON INSURANCE PREMIUM

MARYLAND LAWS AND REGULATIONS ON INSURANCE PREMIUM MARYLAND LAWS AND REGULATIONS ON INSURANCE PREMIUM LAWS: 19 114. Deductibles in medical malpractice policies. (a) Each insurer that issues or delivers a medical professional liability insurance policy

More information

PREPARED MANAGERS, LLC LIMITED AGENCY AGREEMENT. THIS INDEPENDENT AGENCY AGREEMENT, (this Agreement ) is made and entered into between

PREPARED MANAGERS, LLC LIMITED AGENCY AGREEMENT. THIS INDEPENDENT AGENCY AGREEMENT, (this Agreement ) is made and entered into between PREPARED MANAGERS, LLC LIMITED AGENCY AGREEMENT THIS INDEPENDENT AGENCY AGREEMENT, (this Agreement ) is made and entered into between PREPARED MANAGERS, LLC (the Company ) and (the Agent ). Prepared Managers,

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

NC General Statutes - Chapter 93B 1

NC General Statutes - Chapter 93B 1 Chapter 93B. Occupational Licensing Boards. 93B-1. Definitions. As used in this Chapter: "License" means any license (other than a privilege license), certificate, or other evidence of qualification which

More information

Senate Bill No. 620 CHAPTER 547

Senate Bill No. 620 CHAPTER 547 Senate Bill No. 620 CHAPTER 547 An act to amend Sections 787, 1725.5, 10127.10, and 10509.8 of, and to add Sections 7.9, 7.10, 1724, and 1749.8 to, the Insurance Code, relating to insurance. [Approved

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

TITLE 210 -- NEBRASKA DEPARTMENT OF INSURANCE

TITLE 210 -- NEBRASKA DEPARTMENT OF INSURANCE TITLE 210 -- NEBRASKA DEPARTMENT OF INSURANCE CHAPTER 67 -- PRELICENSING EDUCATION REQUIREMENTS Section 001. Authority. 002. Purpose. 003. Definition. 004. Applicability. 005. Exceptions. 006. Classification

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

B. Department shall mean the Insurance Division of the Department of Business Regulation.

B. Department shall mean the Insurance Division of the Department of Business Regulation. State of Rhode Island and Providence Plantations DEPARTMENT OF BUSINESS REGULATION Division of Insurance 233 Richmond Street Providence, RI 02903 INSURANCE REGULATION 36 INSURANCE PRODUCER PRE-LICENSING

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

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

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

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

Public Act No. 15-162

Public Act No. 15-162 Public Act No. 15-162 AN ACT CONCERNING A STUDENT LOAN BILL OF RIGHTS. Be it enacted by the Senate and House of Representatives in General Assembly convened: Section 1. (NEW) (Effective October 1, 2015)

More information

DIVISION OF CORPORATIONS, BUSINESS AND PROFESSIONAL LICENSING

DIVISION OF CORPORATIONS, BUSINESS AND PROFESSIONAL LICENSING Statutes and Regulations Public Accountancy October 2014 (Centralized Statutes and Regulations not included) DEPARTMENT OF COMMERCE, COMMUNITY, AND ECONOMIC DEVELOPMENT DIVISION OF CORPORATIONS, BUSINESS

More information

211 CMR: DIVISION OF INSURANCE 211 CMR 142.00: INSURANCE SALES BY BANKS AND CREDIT UNIONS

211 CMR: DIVISION OF INSURANCE 211 CMR 142.00: INSURANCE SALES BY BANKS AND CREDIT UNIONS 211 CMR 142.00: INSURANCE SALES BY BANKS AND CREDIT UNIONS Section 142.01: Scope and Purpose 142.02: Applicability 142.03: Definitions 142.04: Licensing 142.05: Consumer Protection Terms and Conditions

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

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

NC General Statutes - Chapter 90 Article 26 1

NC General Statutes - Chapter 90 Article 26 1 Article 26. Fee-Based Practicing Pastoral Counselors. 90-380. Title. This Article shall be known as the "Fee-Based Practicing Pastoral Counselor Certification Act." (1991, c. 670.) 90-381. Purpose. It

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

State Law Supplement. New Jersey

State Law Supplement. New Jersey NJ State Law Supplement New Jersey Life and Health Insurance This state-specific law guide is Effective July 7, 2011 Life and Health Insurance New Jersey Law Supplement Important: Check for Updates States

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

Personal Lines Insurance Agents Professional Liability

Personal Lines Insurance Agents Professional Liability USLI.COM 888-523-5545 Personal Lines Insurance Agents Professional Liability INSURANCE AGENTS AND BROKERS PROFESSIONAL LIABILITY APPLICATION All questions must be answered and application must be signed

More information

STATE OF OKLAHOMA. 2nd Session of the 53rd Legislature (2012) AS INTRODUCED

STATE OF OKLAHOMA. 2nd Session of the 53rd Legislature (2012) AS INTRODUCED STATE OF OKLAHOMA nd Session of the rd Legislature () HOUSE BILL By: Key AS INTRODUCED An Act relating to insurance; amending O.S., Sections 00.1, 00., 01, 01.1, 0, 0, 0, 0, 0.1, 0, 0,,,,,, and, which

More information

CHAPTER 43-53 MARRIAGE AND FAMILY THERAPY PRACTICE

CHAPTER 43-53 MARRIAGE AND FAMILY THERAPY PRACTICE CHAPTER 43-53 MARRIAGE AND FAMILY THERAPY PRACTICE 43-53-01. Definitions. As used in this chapter, unless the context otherwise requires: 1. "Advertise" includes the issuing or causing to be distributed

More information

Florida Senate - 2016 SB 336

Florida Senate - 2016 SB 336 By Senator Richter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 A bill to be entitled An act relating to property insurance appraisals; creating part XIV of ch. 626, F.S.,

More information

Limited Agency/Company Agreement

Limited Agency/Company Agreement Effective, this Agreement is entered into by and between Safepoint MGA, LLC and Safepoint Insurance Company Inc., hereinafter referred to as Company, and hereinafter referred to as Agent. It being the

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

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

RULES OF TENNESSEE DEPARTMENT OF COMMERCE AND INSURANCE INSURANCE DIVISION

RULES OF TENNESSEE DEPARTMENT OF COMMERCE AND INSURANCE INSURANCE DIVISION RULES OF TENNESSEE DEPARTMENT OF COMMERCE AND INSURANCE INSURANCE DIVISION CHAPTER 0780-1-76 SELF-INSURING ASSOCIATIONS AND NON-PROFIT TABLE OF CONTENTS 0780-1-76-.01 Purpose and Scope 0780-1-76-.11 Examinations

More information

SECTION.0800 - CONTINUING EDUCATION

SECTION.0800 - CONTINUING EDUCATION SECTION.0800 - CONTINUING EDUCATION 11 NCAC 06A.0801 DEFINITIONS As used in this Section: (1) "Biennial compliance period" means the 24-month period during which an agent or adjuster shall comply with

More information

NEW YORK CITY TAXI AND LIMOUSINE COMMISSION. Notice of Public Hearing and Opportunity to Comment on Proposed Rules

NEW YORK CITY TAXI AND LIMOUSINE COMMISSION. Notice of Public Hearing and Opportunity to Comment on Proposed Rules NEW YORK CITY TAXI AND LIMOUSINE COMMISSION Notice of Public Hearing and Opportunity to Comment on Proposed Rules Notice is hereby given in accordance with section 1043 of the Charter of the City of New

More information

CHAPTER 88. AN ACT concerning certain annuity products, and supplementing chapter 25 of Title 17B of the New Jersey Statutes.

CHAPTER 88. AN ACT concerning certain annuity products, and supplementing chapter 25 of Title 17B of the New Jersey Statutes. CHAPTER 88 AN ACT concerning certain annuity products, and supplementing chapter 25 of Title 17B of the New Jersey Statutes. BE IT ENACTED by the Senate and General Assembly of the State of New Jersey:

More information

GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 1999 SESSION LAW 1999-244 SENATE BILL 766

GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 1999 SESSION LAW 1999-244 SENATE BILL 766 GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 1999 SESSION LAW 1999-244 SENATE BILL 766 AN ACT TO MAKE CERTAIN PROVISIONS IN THE INSURANCE LAW APPLICABLE TO HOSPITAL, MEDICAL, AND DENTAL SERVICE CORPORATIONS

More information

CHAPTER 26.1-02.1 INSURANCE FRAUD

CHAPTER 26.1-02.1 INSURANCE FRAUD CHAPTER 26.1-02.1 INSURANCE FRAUD 26.1-02.1-01. Definitions. As used in this chapter: 1. "Business of insurance" means the writing of insurance or the reinsuring of risks by an insurer, including acts

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

DISTRICT OF COLUMBIA OFFICIAL CODE

DISTRICT OF COLUMBIA OFFICIAL CODE DISTRICT OF COLUMBIA OFFICIAL CODE TITLE 31. INSURANCE AND SECURITIES. CHAPTER 50B. TITLE INSURANCE PRODUCERS. 2001 Edition DISTRICT OF COLUMBIA OFFICIAL CODE CHAPTER 50B. TITLE INSURANCE PRODUCERS. TABLE

More information

Insurance Chapter 482-1-147 ALABAMA DEPARTMENT OF INSURANCE INSURANCE REGULATION ADMINISTRATIVE CODE

Insurance Chapter 482-1-147 ALABAMA DEPARTMENT OF INSURANCE INSURANCE REGULATION ADMINISTRATIVE CODE Insurance Chapter 482-1-147 ALABAMA DEPARTMENT OF INSURANCE INSURANCE REGULATION ADMINISTRATIVE CODE CHAPTER 482-1-147 INSURANCE PRODUCER, TEMPORARY PRODUCER, AND SERVICE REPRESENTATIVE REQUIREMENTS RELATING

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

Frequently Asked Questions for Professional Solicitors and Professional Fundraising Counsels

Frequently Asked Questions for Professional Solicitors and Professional Fundraising Counsels Who needs to register? Frequently Asked Questions for Professional Solicitors and Professional Fundraising Counsels Professional Solicitors and Professional Fundraising Counsels must register. A Professional

More information

APPLICATION PROCEDURES FOR COMPANIES SEEKING TO DO BUSINESS IN FLORIDA 69O-136.002

APPLICATION PROCEDURES FOR COMPANIES SEEKING TO DO BUSINESS IN FLORIDA 69O-136.002 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

More information

FLORIDA 5-HOUR LAW AND ETHICS UPDATE CE 5-215. Researched and Written by: Edward J. Barrett CFP, ChFC, CLU, CEBS, RPA, CRPS, CRPC

FLORIDA 5-HOUR LAW AND ETHICS UPDATE CE 5-215. Researched and Written by: Edward J. Barrett CFP, ChFC, CLU, CEBS, RPA, CRPS, CRPC FLORIDA 5-HOUR LAW AND ETHICS UPDATE CE 5-215 Researched and Written by: Edward J. Barrett CFP, ChFC, CLU, CEBS, RPA, CRPS, CRPC Disclaimer This course is designed as an educational program for financial

More information

How To Pass The Marriamandary Individual Tax Preparers Act

How To Pass The Marriamandary Individual Tax Preparers Act SENATE BILL Q, C, Q lr CF HB By: Senators Conway, Colburn, Della, Garagiola, Lenett, and Pugh Pugh, and Haines Introduced and read first time: February, 00 Assigned to: Rules Re referred to: Education,

More information

HOUSE OF REPRESENTATIVES FINAL BILL ANALYSIS SUMMARY ANALYSIS

HOUSE OF REPRESENTATIVES FINAL BILL ANALYSIS SUMMARY ANALYSIS HOUSE OF REPRESENTATIVES FINAL BILL ANALYSIS BILL #: CS/CS/HB 1133 FINAL HOUSE FLOOR ACTION: SPONSOR(S): COMPANION BILLS: Regulatory Affairs Committee; Insurance & Banking Subcommittee; Fant and others

More information

CERTIFIED PUBLIC ACCOUNTANT LICENSING ACT

CERTIFIED PUBLIC ACCOUNTANT LICENSING ACT CERTIFIED PUBLIC ACCOUNTANT LICENSING ACT 58-26a-101. Short title. This chapter is known as the "Certified Public Accountant Licensing Act." 58-26a-102. Definitions. In addition to the definitions in Section

More information

LICENSING PROCEDURES FOR MANAGING GENERAL AGENTS TO OBTAIN AUTHORITY IN VIRGINIA

LICENSING PROCEDURES FOR MANAGING GENERAL AGENTS TO OBTAIN AUTHORITY IN VIRGINIA LICENSING PROCEDURES FOR MANAGING GENERAL AGENTS TO OBTAIN AUTHORITY IN VIRGINIA October 2005 GENERAL INFORMATION The 1992 Virginia General Assembly passed legislation requiring the licensing of managing

More information

VARIABLE ANNUITY CONTRACTS

VARIABLE ANNUITY CONTRACTS RULE AND REGULATION 6 Agency # 054.00 VARIABLE ANNUITY CONTRACTS *Provisions of this rule and regulation as it pertains to variable life insurance have been superseded by Rule and Regulation 33. See Article

More information

Insurance Producer Agreement

Insurance Producer Agreement Insurance Producer Agreement Section 1 - Producer s Authority The Producer shall periodically submit risks to the Company for its consideration as authorized by the Company. These risks shall be located

More information

HOUSE BILL No. 2087. By Committee on Insurance 1-26. AN ACT enacting the Kansas professional employer organization licensing

HOUSE BILL No. 2087. By Committee on Insurance 1-26. AN ACT enacting the Kansas professional employer organization licensing Session of 00 HOUSE BILL No. 0 By Committee on Insurance - 0 0 AN ACT enacting the Kansas professional employer organization licensing act. Be it enacted by the Legislature of the State of Kansas: Section.

More information

Chapter 50 -- UNFAIR TRADE AND CONSUMER PROTECTION. Article 11 --- Credit Service Organizations

Chapter 50 -- UNFAIR TRADE AND CONSUMER PROTECTION. Article 11 --- Credit Service Organizations Chapter 50 -- UNFAIR TRADE AND CONSUMER PROTECTION Article 11 --- Credit Service Organizations K.S.A. 50-1116. Kansas credit services organization act; citation; scope. (a) K.S.A. 50-1116 through 50-1135,

More information

Nebraska Debt Management Statutes

Nebraska Debt Management Statutes Nebraska Debt Management Statutes Neb. Rev. Stat. 69-1201. Terms, defined. As used in sections 69-1201 to 69-1217, unless the context otherwise requires: (1) Debt management shall mean the planning and

More information

$&71R SENATE BILL NO. 1105 (SUBSTITUTE FOR SENATE BILL 812 BY SENATOR SCHEDLER)

$&71R SENATE BILL NO. 1105 (SUBSTITUTE FOR SENATE BILL 812 BY SENATOR SCHEDLER) Regular Session, 2001 $&71R SENATE BILL NO. 1105 (SUBSTITUTE FOR SENATE BILL 812 BY SENATOR SCHEDLER) BY SENATOR SCHEDLER AN ACT To enact Part XXV of Chapter 1 of Title 22 of the Louisiana Revised Statutes

More information

H.198. An act relating to the Legacy Insurance Management Act. It is hereby enacted by the General Assembly of the State of Vermont:

H.198. An act relating to the Legacy Insurance Management Act. It is hereby enacted by the General Assembly of the State of Vermont: 2013 Page 1 of 24 H.198 An act relating to the Legacy Insurance Management Act It is hereby enacted by the General Assembly of the State of Vermont: Sec. 1. TITLE This act shall be known as the Legacy

More information

CHAPTER 537. (House Bill 1309) Business Regulation Mold Remediation Services Licensing

CHAPTER 537. (House Bill 1309) Business Regulation Mold Remediation Services Licensing CHAPTER 537 (House Bill 1309) AN ACT concerning Business Regulation Mold Remediation Services Licensing FOR the purpose of requiring certain persons to be licensed by the Maryland Home Improvement Commission

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

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

NC General Statutes - Chapter 58 Article 33 1

NC General Statutes - Chapter 58 Article 33 1 Article 33. Licensing of Agents, Brokers, Limited Representatives, and Adjusters. 58-33-1. Scope. This Article governs the qualifications and procedures for the licensing of agents, brokers, limited representatives,

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

NORTH CAROLINA GENERAL ASSEMBLY 1979 SESSION CHAPTER 697 HOUSE BILL 1134

NORTH CAROLINA GENERAL ASSEMBLY 1979 SESSION CHAPTER 697 HOUSE BILL 1134 NORTH CAROLINA GENERAL ASSEMBLY 1979 SESSION CHAPTER 697 HOUSE BILL 1134 AN ACT REQUIRING CERTIFICATION OF CERTAIN INDIVIDUALS WHO USE THE TITLE "CERTIFIED MARRIAGE AND FAMILY COUNSELOR/THERAPIST" AND

More information

How To Get A Life Insurance Policy In California

How To Get A Life Insurance Policy In California California Senate Bill 620 Impacts agents selling in the state of California only. This information, as it relates to products offered by Security Benefit Life Insurance Company, is being provided to you

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

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

SENATE FILE NO. SF0013. Sponsored by: Joint Minerals, Business and Economic Development Interim Committee A BILL. for

SENATE FILE NO. SF0013. Sponsored by: Joint Minerals, Business and Economic Development Interim Committee A BILL. for 00 STATE OF WYOMING 0LSO-00 SENATE FILE NO. SF00 Residential Mortgage Practices Act. Sponsored by: Joint Minerals, Business and Economic Development Interim Committee A BILL for AN ACT relating to trade

More information