24-A M.R.S. § 2162 — ME Code / Title 24-A / Chapter 23 / Section 2162
24-A §2162. Unfair discrimination, rebates prohibited -- property, casualty, surety insurance
Status: in_force

1. No property, casualty or surety insurer or any employee or representative thereof, and no broker, agent or solicitor as to such insurance shall pay, allow or give, or offer to pay, allow or give, directly or indirectly, as an inducement to insurance, or after insurance has been effected, any rebate, discount, abatement, credit or reduction of the premium named in a policy of insurance, or any special favor or advantage in the dividends or other benefits to accrue thereon, or any valuable consideration or inducement whatever, not specified or provided for in the policy, except to the extent provided for in an applicable filing with the superintendent as provided by law. A. Unless otherwise provided by law, a provision may not be included within an insurance policy if the sole intent of the provision is to give to the insured a benefit that is not associated with indemnification or loss. [PL 1997, c. 457, §39 (NEW).] B. Notwithstanding any other provision of law, the superintendent may approve filings allowing reductions in premium associated with savings in issuance and administrative expenses except that, if a filing affecting surety bonds for construction projects financed in whole or in part with public funds allows for any reduction in premium to be given, paid, allowed or offered after execution of the bond, including, without limitation, any rebate, discount, consideration or inducement of any kind, the filing must ensure that the entire amount of the reduction will be paid directly to the governmental department or agency administering the public funds for the project. In the case of a project financed only in part with public funds, the governmental department or agency may be paid a percentage of the reduction equal to the percentage of the project that is financed with public funds. [PL 1997, c. 457, §39 (NEW).] [PL 1997, c. 457, §39 (AMD).]

2. No such insurer shall make or permit any unfair discrimination between insureds or property having like insuring or risk characteristics in the premium or rates charged for insurance, or in the dividends or other benefits payable thereon, or in any other of the terms and conditions of the insurance. [PL 1969, c. 132, §1 (NEW).]

3. Nothing in this section shall be construed as prohibiting the payment of commissions or other compensation to duly licensed agents, brokers or solicitors, or as prohibiting any insurer from allowing or returning to its participating policyholders, members or subscribers, dividends, savings or unabsorbed premium deposits. As used in this section the word "insurance" includes suretyship and the word "policy" includes bond. This section does not apply as to wet marine and transportation insurance. [PL 1969, c. 132, §1 (NEW).]
24-A M.R.S. § 2385 — ME Code / Title 24-A / Chapter 25 / Section 2385
24-A §2385. Optional deductibles
Status: in_force

1. Optional deductible. Each insurer transacting or offering to transact workers' compensation insurance in the State shall offer optional deductibles to employers that may be used upon election by the insured. [PL 1991, c. 885, Pt. B, §12 (NEW); PL 1991, c. 885, Pt. B, §13 (AFF).]

2. Indemnity. Deductibles must be available for indemnity benefits in amounts of $1,000 and $5,000 per claim and in other reasonable amounts as may be approved by the superintendent. [PL 1991, c. 885, Pt. B, §12 (NEW); PL 1991, c. 885, Pt. B, §13 (AFF).]

3. Reimbursement. The deductible form must provide that the claim must be paid by the applicable insurer, which must then be reimbursed by the employer for any deductible amounts paid by the carrier. The employer is liable for reimbursement up to the limit of the deductible. [PL 1991, c. 885, Pt. B, §12 (NEW); PL 1991, c. 885, Pt. B, §13 (AFF).]

4. Deductible not required. An insurer is not required to offer a deductible to an employer if, as a result of a credit investigation, the insurer determines that the employee is not sufficiently financially stable to be responsible for the payment of deductible amounts. [PL 1991, c. 885, Pt. B, §12 (NEW); PL 1991, c. 885, Pt. B, §13 (AFF).]
24-A M.R.S. § 4320-K — ME Code / Title 24-A / Chapter 56-A / Section 4320-K
24-A §4320-K. Coverage for services provided by a naturopathic doctor
Status: in_force

1. Services provided by a naturopathic doctor. A carrier offering a health plan in this State shall provide coverage for health care services performed by a naturopathic doctor licensed under Title 32, chapter 113‑B, subchapter 3 when those services are covered services under the health plan when performed by any other health care provider and when those services are within the lawful scope of practice of the naturopathic doctor. [PL 2017, c. 340, §1 (NEW); PL 2017, c. 340, §2 (AFF).]

2. Limits; deductible; copayment; coinsurance. A carrier may offer a health plan containing a provision for a deductible, copayment or coinsurance requirement for a health care service provided by a naturopathic doctor as long as the deductible, copayment or coinsurance does not exceed the deductible, copayment or coinsurance applicable to the same service provided by other health care providers. [PL 2017, c. 340, §1 (NEW); PL 2017, c. 340, §2 (AFF).]

3. Network participation. A carrier shall demonstrate that the carrier's provider network includes reasonable access, in accordance with section 4303 , to all covered services that are within the lawful scope of practice of a naturopathic doctor. A carrier may not exclude a provider from participation in the carrier's provider network solely because the provider is a naturopathic doctor as long as the provider is willing to meet the same terms and conditions as other participating providers. This subsection does not require a carrier to contract with all naturopathic doctors or require a carrier to provide coverage under a health plan for any service provided by a participating naturopathic doctor that is not within the health plan's scope of coverage. [PL 2017, c. 340, §1 (NEW); PL 2017, c. 340, §2 (AFF).]

4. Application. The requirements of this section apply to all policies, contracts and certificates executed, delivered, issued for delivery, continued or renewed in this State. For purposes of this section, all contracts are deemed to be renewed no later than the next yearly anniversary of the contract date. [PL 2017, c. 340, §1 (NEW); PL 2017, c. 340, §2 (AFF).]
24-A M.R.S. § 5 — ME Code / Title 24-A / Chapter 1 / Section 5
24-A §5. Superintendent, bureau defined
Status: in_force

1. Superintendent. "Superintendent" means the Superintendent of the Bureau of Insurance. [PL 1973, c. 585, §6 (RPR).]

2. Bureau. "Bureau" means the Bureau of Insurance. [PL 1973, c. 585, §6 (RPR).]
24-A M.R.S. § 2172 — ME Code / Title 24-A / Chapter 23 / Section 2172
24-A §2172. Fictitious groups prohibited
Status: in_force

1. No insurer or person on behalf of any insurer shall offer, make or permit any preference or distinction for purposes of any property, casualty or, surety insurance coverage, as to form of policy, certificate, premium, rates, benefits or conditions of insurance, whether by master policy, individual policies, certificates of insurance or by any other means, based upon membership, nonmembership, or employment of any person or persons in or by, any group, association, corporation, organization or other combination of persons, based upon marketing through groups, associations, corporations, organizations or other combination of persons, or based upon a group or mass merchandising program of any kind; and shall not make any such preference or distinction available in any event based upon any fictitious grouping of persons. For the purposes of this section a fictitious grouping is defined as any grouping by other than a common insurable interest as to the subject of the insurance and the risk to be insured. [PL 1969, c. 402, §4 (AMD).]

2. This section shall not apply as to any grouping placed in effect prior to January 1, 1968. [PL 1969, c. 402, §4 (AMD).]
24-A M.R.S. § 2715 — ME Code / Title 24-A / Chapter 33 / Section 2715
24-A §2715. Legal actions
Status: in_force

There shall be a provision as follows: Legal actions: No action at law or in equity shall be brought to recover on this policy prior to the expiration of sixty days after written proof of loss has been furnished in accordance with the requirements of this policy. No such action shall be brought after the expiration of 3 years after the time written proof of loss is required to be furnished. [PL 1969, c. 132, §1 (NEW).]
24-A M.R.S. § 2219 — ME Code / Title 24-A / Chapter 24 / Section 2219
24-A §2219. Criminal penalties
Status: in_force

A person who knowingly obtains personal information under false pretenses from a regulated insurance entity or insurance support organization is guilty of obtaining personal insurance information under false pretenses. Obtaining personal insurance information under false pretenses is a Class D crime. [PL 1997, c. 677, §3 (NEW); PL 1997, c. 677, §5 (AFF).]
24-A M.R.S. § 4229 — ME Code / Title 24-A / Chapter 56 / Section 4229
24-A §4229. Acquired Immune Deficiency Syndrome
Status: in_force

No policy, contract or certificate delivered or issued for delivery in this State may provide more restrictive coverage for Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex or HIV related diseases than for any other disease or sickness or exclude coverage for AIDS, ARC or HIV related diseases except through an exclusion under which all sicknesses and diseases are treated the same. [PL 1989, c. 176, §9 (NEW).]
24-A M.R.S. § 3485 — ME Code / Title 24-A / Chapter 47 / Section 3485
24-A §3485. Mutual member's share of assets on liquidation
Status: in_force

1. Upon any liquidation of a domestic mutual insurer, its assets remaining after discharge of its indebtedness, policy obligations, repayment of contributed or borrowed surplus, if any, retirement of guaranty fund capital shares and payment of expenses of administration and of the dissolution and liquidation procedure, must be distributed to currently existing persons who had been members of the insurer for at least a year and who were its members at any time within 36 months next preceding the date such liquidation was authorized or ordered, or date of last termination of the insurer's certificate of authority, whichever date is the earlier; except, that if the superintendent has reason to believe that those in charge of the insurer's management have caused or encouraged the reduction of the number of members of the insurer, or changed the identity thereof, in anticipation of liquidation and for the purpose of reducing or controlling thereby the number or identity of persons who may be entitled to share in distribution of the insurer's assets, the superintendent may enlarge the qualification period in such manner as the superintendent considers to be reasonable. [RR 2021, c. 1, Pt. B, §295 (COR).]

2. The insurer shall make a reasonable classification of its policies so held by such members, and a formula based upon such classification for determination of the equitable distributive share of each such member. Such classification and formula shall be subject to the approval of the superintendent, who shall approve the same except for reasonable cause. [PL 1969, c. 132, §1 (NEW); PL 1973, c. 585, §12 (AMD).]
24 M.R.S. § 2307 — ME Code / Title 24 / Chapter 19 / Section 2307
24 §2307. Examination
Status: in_force

1. Examination by superintendent. The superintendent or the superintendent's designee has the power of visitation and examination into the affairs of any corporation described in section 2301 and has free access to the books, papers and documents that relate to the business of the corporation and may summon and qualify witnesses under oath and examine its officers, agents or employees or other persons in relation to the affairs, transactions and condition of the corporation. [PL 1993, c. 702, Pt. A, §4 (NEW).]

2. Costs of examination. The reasonable costs of such an examination must be borne by the corporation examined. [PL 1993, c. 702, Pt. A, §4 (NEW).]

3. Accountant's work papers. The superintendent may require a corporation subject to this section to make available the accountant's work papers created during an audit. A. The superintendent may review the accountant's work papers upon timely notice to the corporation. The superintendent may photocopy or otherwise record the contents of work papers during the review. [PL 1993, c. 702, Pt. A, §4 (NEW).] B. Work papers or copies of work papers under the superintendent's custody or control are confidential and are not subject to public inspection. [PL 1993, c. 702, Pt. A, §4 (NEW).] C. The work papers of the corporation's subsidiaries, parent or other corporate affiliates are considered to be the corporation's work papers to the extent that the work papers reference transactions between the corporation and the subsidiary, parent or corporate affiliate and affect the corporation's final equity determination. [PL 1993, c. 702, Pt. A, §4 (NEW).] D. The corporation shall, as a condition of an accountant's engagement, require the accountant: (1) To retain the work papers prepared in connection with an audit of the corporation for at least 6 years after the close of a reporting period; and (2) To provide the work papers, or a copy, to the corporation at the corporation's request. [PL 1993, c. 702, Pt. A, §4 (NEW).] For purposes of this subsection, the term "work papers" includes, but is not limited to, schedules, analyses, reconciliations, abstracts, memoranda, narratives, flow charts, copies of company records or other documents prepared or obtained by the accountant and the accountant's employees in conducting the audit of the corporation. [PL 1993, c. 702, Pt. A, §4 (NEW).]
24-A M.R.S. § 2855 — ME Code / Title 24-A / Chapter 37 / Section 2855
24-A §2855. Amounts of insurance
Status: in_force

1. Credit life insurance. A. The amount of credit life insurance shall at no time exceed the unpaid amount financed plus earned interest and an allowance for delinquencies as determined by the superintendent or, in the case of open-end credit, the balance upon which a finance charge may be imposed, plus earned interest and an allowance for delinquencies as determined by the superintendent. [PL 1977, c. 672, §2 (RPR).] [PL 1977, c. 672, §2 (RPR).]

2. Agricultural credit commitments. Notwithstanding subsection 1, paragraph A , insurance on agricultural credit transaction commitments not exceeding 2 years in duration may be written up to the amount of the loan commitment, on a nondecreasing or level term plan. [PL 1969, c. 132, §1 (NEW).]

3. Educational credit commitments. Notwithstanding subsection 1, paragraph A , insurance on educational credit transaction commitments may be written for the amount of the portion of such commitment that has not been advanced by the creditor. [PL 1969, c. 132, §1 (NEW).]

4. Credit health insurance. A. Coverage limited. The total amount of indemnity payable by credit health insurance in the event of disability, as defined in the policy, shall not exceed the aggregate of the periodic scheduled unpaid installments of the indebtedness; and the amount of each periodic indemnity payment shall not exceed the original indebtedness divided by the number of periodic installments. [PL 1969, c. 132, §1 (NEW).] [PL 1969, c. 132, §1 (NEW).]
24-A M.R.S. § 2417 — ME Code / Title 24-A / Chapter 27 / Section 2417
24-A §2417. Underwriters' and combination policies
Status: in_force

1. Two or more authorized insurers may jointly issue, and shall be jointly and severally liable on, an underwriters' policy bearing their names. Any one insurer may issue policies in the name of an underwriter's department and such policy shall plainly show the true name of the insurer. [PL 1969, c. 132, §1 (NEW).]

2. Two or more insurers may, with the approval of the superintendent, issue a combination policy which shall contain provisions substantially as follows: A. That the insurers executing the policy shall be severally liable for the full amount of any loss or damage, according to the terms of the policy, or for specified percentages or amounts thereof, aggregating the full amount of insurance under the policy, and [PL 1969, c. 132, §1 (NEW).] B. That service of process, or of any notice or proof of loss required by such policy, upon any of the insurers executing the policy, shall constitute service upon all such insurers. [PL 1969, c. 132, §1 (NEW).] [PL 1969, c. 132, §1 (NEW); PL 1973, c. 585, §12 (AMD).]

3. This section shall not apply to cosurety obligations. [PL 1969, c. 132, §1 (NEW).]
24-A M.R.S. § 7055 — ME Code / Title 24-A / Chapter 90 / Section 7055
24-A §7055. Prohibited acts
Status: in_force

An employee or representative of a travel retailer who is not licensed as an insurance producer may not: [PL 2015, c. 133, §4 (NEW).]

1. Technical terms. Evaluate or interpret the technical terms, benefits and conditions of the offered travel insurance coverage; [PL 2015, c. 133, §4 (NEW).]

2. Advice. Evaluate or provide advice concerning a prospective purchaser's existing insurance coverage; or [PL 2015, c. 133, §4 (NEW).]

3. Purport to be licensed. Purport to be a licensed insurer, licensed producer or insurance expert or represent that the travel retailer is so licensed or has insurance expertise. [PL 2015, c. 133, §4 (NEW).]
24-A M.R.S. § 4362-A — ME Code / Title 24-A / Chapter 57 / Section 4362-A
24-A §4362-A. Dissolution of domestic insurer
Status: in_force

The superintendent, upon application for an order of liquidation of a domestic insurer for any of the reasons specified in section 4357 or at any time thereafter, may apply for an order of dissolution of the domestic insurer. Upon the filing of the application, the court shall issue an order directing the insurer to appear in court on the day fixed in the order and show cause why the application should not be granted. The order to show cause and notice thereof shall conform to the requirements applicable to an order to show cause set forth in section 4360, subsections 2 and 3 , and section 4361 . Unless cause is shown why the application should not be granted, the court, after hearing, shall order that the corporate existence of such domestic insurer be dissolved. [PL 1983, c. 603, §1 (NEW).]
24-A M.R.S. § 413 — ME Code / Title 24-A / Chapter 5 / Section 413
24-A §413. Application for certificate of authority
Status: in_force

To apply for an original certificate of authority an insurer shall file with the superintendent its written application therefor on forms as prescribed and furnished by the superintendent, accompanied by the applicable fees specified in section 601 (fee schedule), stating under the oath of the president or vice-president or other chief officer and the secretary of the insurer, or of the attorney-in-fact, if a reciprocal insurer, the insurer's name, location of its home office or principal office in the United States, if an alien insurer, the kinds of insurance to be transacted, date of organization or incorporation, form of organization, state or country of domicile, and such additional information as the superintendent may reasonably require, together with the following documents, as applicable: [PL 1969, c. 132, §1 (NEW); PL 1973, c. 585, §12 (AMD).]

1. If a corporation, or a Lloyd's, a copy of its charter, together with all amendments thereto, or as restated and amended under the laws of its state or country of domicile, currently certified by the public official with whom the originals are on file in such state or country; [PL 1969, c. 177, §9 (AMD).]

2. If a domestic incorporated insurer or a mutual insurer, a copy of its bylaws, certified by the insurer's corporate secretary; [PL 1969, c. 132, §1 (NEW).]

3. If a reciprocal insurer, a copy of the power of attorney of its attorney-in-fact, certified by the attorney-in-fact; and if a domestic reciprocal insurer, the declaration provided for in section 3856 ; [PL 1969, c. 132, §1 (NEW).]

4. A complete copy of its financial statement as of not earlier than the December 31st next preceding in form as customarily used in the United States by like insurers, sworn to by at least 2 executive officers of the insurer or certified by the public insurance supervisory official of the insurer's state of domicile, or of entry into the United States, if an alien insurer; [PL 1969, c. 132, §1 (NEW).]

5. [PL 1985, c. 330, §3 (RP).]

5-A. A copy of a current report of examination of the insurer certified by the public insurance supervisory official of the insurer's state of domicile, or of entry into the United States, if an alien insurer. For purposes of this requirement, a report of examination is deemed "current" only if its date of account is within 36 months of filing of the application, except that the superintendent may, in the superintendent's discretion, accept a report of examination within a period reasonably proximate to 36 months from its date of account that is filed by the applicant promptly upon its receipt when issuance of the report by the domiciliary regulator has been delayed for reasons beyond the control of the applicant and that are unrelated to the applicant's financial condition or its compliance with applicable laws; [PL 1995, c. 570, §1 (AMD).]

6. Appointment of an agent pursuant to section 421 to receive service of legal process; [PL 1997, c. 592, §10 (AMD).]

7. If a foreign or alien insurer, a certificate of the public insurance supervisory official of its state or country of domicile showing that it is authorized or qualified for authority to transact in such state or country the kinds of insurance proposed to be transacted in this State; [PL 1969, c. 132, §1 (NEW).]

8. If an alien insurer, certificate as to deposit, if to be tendered pursuant to section 412 , and a copy of the trust deed pertaining to such deposit, certified by the trustee; [PL 1969, c. 132, §1 (NEW).]

9. If a life or health insurer, a copy of the insurer's rate book and of each form of policy currently proposed to be issued in this State, and of the form of application therefor; or [PL 1993, c. 637, §1 (AMD).]

10. If an alien insurer, a copy of the appointment and authority of its United States manager, certified by its officer having custody of its records. [PL 1993, c. 637, §1 (AMD).]

11. [PL 1993, c. 637, §2 (RP).]

12. [PL 1993, c. 637, §2 (RP).]
24-A M.R.S. § 2176-A — ME Code / Title 24-A / Chapter 23 / Section 2176-A
24-A §2176-A. Disclosures required for sale of pre-need insurance in connection with prearranged funerals
Status: in_force

1. Definition. For purposes of this section, "pre-need insurance" means a type of life insurance policy designed to cover the costs of funeral and burial services selected in a statement of goods and services contract and for which the entire death benefit is paid directly to the funeral establishment. [PL 2025, c. 203, §2 (NEW).]

2. Disclosures. At the time an application is made, and prior to accepting the applicant's initial premium or deposit for a pre-need insurance policy that is being sold in connection with a prearranged funeral service or plan as described in Title 32, section 1402 , a producer shall adequately disclose the following information: A. The fact that a pre-need insurance policy is involved or being used to fund a prearranged funeral service or plan; [PL 2025, c. 203, §2 (NEW).] B. The nature of the relationship among the soliciting producer, the provider of the funeral or cemetery merchandise or services, the administrator and any other person; [PL 2025, c. 203, §2 (NEW).] C. The relationship of the pre-need insurance policy to the funding of the prearranged funeral service or plan and the nature and existence of any guarantees relating to the prearranged funeral service or plan; [PL 2025, c. 203, §2 (NEW).] D. A list of the goods and services that are selected or contracted for in the prearranged funeral service or plan and all relevant information concerning the price of the funeral and burial services, including an indication that the purchase price is either guaranteed at the time of purchase or to be determined at the time of need; [PL 2025, c. 203, §2 (NEW).] E. The fact that the face amount of the pre-need insurance policy may not exceed the maximum amount of the goods and services that are contracted for in the prearranged funeral service or plan; [PL 2025, c. 203, §2 (NEW).] F. All relevant information concerning what occurs and whether any entitlements or obligations arise if there is a difference between the proceeds of the pre-need insurance policy and the amount actually needed to fund the prearranged funeral service or plan; [PL 2025, c. 203, §2 (NEW).] G. Any penalties or restrictions, including, but not limited to, geographic restrictions or the inability of the provider to perform, on the delivery of merchandise or services or the prearranged funeral service or plan guarantee; and [PL 2025, c. 203, §2 (NEW).] H. Whether a sales commission or other form of compensation is being paid for the sale of the pre-need insurance policy and the identity of the individual or entity to whom it is paid. [PL 2025, c. 203, §2 (NEW).] [PL 2025, c. 203, §2 (NEW).]
24-A M.R.S. § 4232 — ME Code / Title 24-A / Chapter 56 / Section 4232
24-A §4232. Replacement coverage
Status: in_force

1. Group hospital, medical or surgical expenses, or service benefits. Any insurer or nonprofit health insurance plan that issues replacement coverage with respect to group hospital, medical or surgical expenses or service benefits within a period of 60 days from the date of discontinuance of a prior health maintenance organization contract or policy providing the hospital, medical or surgical expenses or service benefits shall immediately cover all enrollees who were validly covered under the previous health maintenance organization contract or policy at the date of discontinuance and who would otherwise be eligible for coverage under the succeeding insurer's or nonprofit health insurance plan's contract, regardless of any provisions in that contract relating to active employment, hospital confinement or pregnancy. [PL 1989, c. 842, §18 (NEW).]

2. Preexisting conditions. No provision in a succeeding insurer's or nonprofit hospital or medical service corporation's contract of replacement coverage may reduce or exclude benefits to enrollees covered under the prior health maintenance organization's contract on the date of discontinuance, on the basis that the condition giving rise to benefits preexisted the effective date of the succeeding contract, except to the extent that benefits for the condition would have been reduced or excluded under the prior contract. [PL 1989, c. 842, §18 (NEW).]