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CHAPTER 88. AN ACT concerning certain annuity products, and supplementing chapter 25 of Title 17B of the New Jersey Statutes. - PDF
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1 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: C.17B:25-34 Findings, declarations relative to certain annuity products. 1. The Legislature finds and declares that it is a valid public purpose to set forth standards and procedures regarding annuity products directly solicited to consumers to: prevent the fraudulent and misleading marketing of annuity products by insurers, brokers, and agents; provide standards for the disclosure of information about annuity products so that consumers understand the basic features of these products; ensure that annuity products ultimately issued to consumers are suitable to appropriately address their insurance needs and financial objectives; and enhance oversight over annuity products, including enforcement against violations, through the Department of Banking and Insurance. C.17B:25-35 Definitions relative to certain annuity products. 2. As used in this act, except as otherwise specified: Annuity means an annuity as defined by N.J.S.17B:17-5 directly solicited to a consumer. Consumer means a natural person who resides in this State. Deferred annuity means an annuity with the first income payment due no earlier than one year from the date of issue and the annuity is not an immediate annuity. Determinable element means a benefit, value, credit, or charge under an annuity that is guaranteed at issue, but its amount is not determined until after issue. Direct-response solicitation means a solicitation solely through mail, telephone, the Internet, or other mass communication media. Fixed annuity means an annuity under which the charges and other considerations provided for the annuity, less any amount charged against these considerations, earns interest at a rate: (1) set by the insurer; or (2) in a manner specified in the annuity, which manner may include, but is not limited to, the use of a stock market or other outside index. Generic name means a short title which is descriptive of the charges and benefit patterns of an annuity, or endorsement or rider to the annuity. Guaranteed element means a benefit, value, credit, or charge under an annuity that is guaranteed and the amount determined at issue. Immediate annuity means an annuity with the first income payment due not more than 13 months from the date of issue. Insurer means any corporation, association, partnership, reciprocal exchange, interinsurer, Lloyd's insurer, fraternal benefit society or other person licensed to engage in the business of insurance in this State. Insurance producer means a person licensed to sell, solicit, or negotiate insurance pursuant to the "New Jersey Insurance Producer Licensing Act of 2001," P.L.2001, c.210 (C.17:22A-26 et al.). Negotiate means the act of conferring directly with or offering advice directly to a consumer as the purchaser or prospective purchaser of a particular annuity concerning any of the substantive benefits, terms or conditions of the annuity, provided that the person engaged in that act either: sells annuities or obtains annuities from insurers for purchasers. Non-guaranteed element means a benefit, value, credit, or charge under an annuity that is not guaranteed and the amount not determined at issue.2 2 Owner means the person to whom an annuity is presently or prospectively payable by the terms of the annuity, except when the annuity declares some other person to be the owner thereof, or the individual certificate holder in the case of a group annuity. Sell means to exchange an annuity by any means, for money or its equivalent, on behalf of an insurer. Solicit means attempting to sell an annuity or asking or urging a consumer to apply for a particular annuity from a particular insurer. Variable annuity means an annuity under which the insurer invests, for the annuity owner, the charges and other considerations provided for the annuity, less any amount charged against these considerations, into a separate account, based upon the annuity owner s stated level of investment risk, and which annuity may lose some or all of the owner s investment. C.17B:25-36 Use of certain terms regulated; exceptions. 3. a. (1) Consistent with the unfair trade practices set forth in N.J.S.17B:30-1 et seq., an insurance producer, or an agent, representative or member of a fraternal benefit society not required to be licensed as an insurance producer in accordance with section 32 of P.L.1997, c.322 (C.17:44B-32), or an insurer, if no producer or non-licensed society agent, representative or member is involved, shall not use a certification, professional designation, or form of advertising expressing or implying in an untrue, deceptive, misleading, or false manner that the producer, non-licensed society agent, representative or member, or insurer has special education, training, or experience in advising or servicing senior citizens or retirees in connection with the solicitation, negotiation, or sale of an annuity, or its value or suitability, either directly or indirectly, including through a publication or writing, or by issuing or promulgating an analysis or report relating to an annuity. (2) The provisions of this section do not apply to: (a) a title or designation conferred through an academic degree, certifying the completion of a course of study from an accredited institution of higher education, so long as the title or designation is not used in an untrue, deceptive, misleading, or false manner in connection with the solicitation, negotiation, or sale of an annuity; or (b) a professional job title presented by an employer or other organization that is licensed or registered by a state or federal financial services regulatory agency, including any agency that regulates financial institutions, insurers, investment companies as defined under the Investment Company Act of 1940, title I of Pub.L (15 U.S.C.s.80a-1 et seq.), investment advisers as defined under the Investment Advisers Act of 1940, title II of Pub.L (15 U.S.C.s.80b-1 et seq.), and broker-dealers, and that indicates seniority or standing within the employer or other organization s operation or specifies an area of specialization recognized by that employer or other organization, so long as the professional job title is not used in an untrue, deceptive, misleading, or false manner in connection with the solicitation, negotiation, or sale of an annuity. b. An untrue, deceptive, misleading, or false use of a certification, designation, or form of advertising shall include, but is not limited to: (1) the use of a certification or professional designation not actually earned or otherwise available for use; (2) the use of a nonexistent or self-conferred certification or professional designation;3 3 (3) the use of a certification or professional designation that expresses or implies a level of occupational qualification obtained through education, training, or experience, but which is not actually obtained; and (4) (a) the use of a certification or professional designation obtained from a certifying or designating organization that: (i) is primarily engaged in the business of instruction in sales or marketing; (ii) does not have reasonable standards or procedures for assuring the competency of a holder of its certificate or professional designation; (iii) does not have reasonable standards or procedures for monitoring and disciplining a holder of its certificate or professional designation for improper or unethical conduct; or (iv) does not have reasonable continuing education requirements for a holder of its certificate or professional designation in order to maintain the certification or designation; however (b) there shall be a rebuttable presumption that the use of a certification or professional designation obtained from a certifying or designating organization is not in violation of this section if the certificate or professional designation issued to the holder does not apply primarily to sales or marketing and is accredited by: (i) the American National Standards Institute, or its successor; (ii) the National Commission for Certifying Agencies, or its successor; (iii) any organization recognized as an accrediting agency by the United States Department of Education pursuant to section 496 of the Higher Education Act of 1965, Pub.L (20 U.S.C.s.1099b); or (iv) any other organization approved by the commissioner by regulation. c. In order to determine a violation of this section, the commissioner may consider the use of one or more words, combination of words, or acronyms representing these words, and the manner or context of their use with respect to a certification, professional designation, or form of advertising, including, but not limited to, senior, retirement, elder, or words of similar import, certified, registered, chartered, or words of similar import, and adviser, specialist, consultant, planner, or words of similar import. C.17B:25-37 Certain annuities excluded; annuities buyer s guide; annuity contract disclosure statement. 4. a. An annuity, for purposes of this section, concerning disclosure requirements, shall not include any annuity directly solicited to a consumer, that is: (1) an annuity that serves as a funding vehicle for an employee welfare, pension, profitsharing, or deferred compensation plan established or maintained by an employer or other plan sponsor, and which is funded in whole or in part by that employer or other plan sponsor; (2) a variable annuity subject to the provisions of N.J.S.17B:28-1 et seq.; (3) a charitable annuity established in accordance with N.J.S.17B: ; (4) a structured settlement subject to the provisions of the Structured Settlement Protection Act, P.L.2001, c.139 (C.2A:16-63 et seq.); or (5) a funeral insurance policy defined by section 24 of P.L.1993, c.147 (C.17B:17-5.1). b. The commissioner shall approve, by regulation, a document, including all subjects and language contained therein, for distribution to a consumer by an insurance producer, or an agent, representative or member of a fraternal benefit society not required to be licensed as an insurance producer in accordance with section 32 of P.L.1997, c.322 (C.17:44B-32), or an insurer, to serve as a buyer s guide regarding annuities, which may be substantially4 4 similar to any annuities buyer s guide prepared by the National Association of Insurance Commissioners, or its successor, and shall include, but not be limited to, a description of various kinds of annuities, standard features of annuities, including the 10-day cancellation period for consumers required by section 6 of this act and any other consumer cancellation period required by law, and information concerning the negotiation and sale of annuities. The commissioner shall make the approved buyer s guide available to consumers on the department s Internet website. c. The commissioner shall approve, by regulation, the form of an annuity contract disclosure statement, which shall be a separate document from the annuity, for distribution to a consumer by an insurance producer, non-licensed society agent, representative or member, or an insurer. (1) The annuity contract disclosure statement shall include, but not be limited to: (a) the issuing insurer s name and address; (b) the generic name of the annuity, the insurer s product name, if different, and annuity form number, and the same information for any rider or endorsement to the annuity; (c) a statement that the product is an annuity, accompanied by a definition of annuity; (d) a summary describing each guaranteed, non-guaranteed, and determinable element of the annuity and any rider or endorsement, including: (i) any charge, by dollar amount or percentage, and other considerations provided for the annuity, with an explanation of their application under the contract; (ii) any fixed or variable crediting interest rate, and information concerning the method of its calculation and the duration of any rate period; (iii) each income payment option; (iv) any death benefit, and the method of its calculation; (v) the availability of withdrawing from the insurer any portion of the annuity s contract value; (vi) any value reduction on the annuity or benefits provided by the annuity resulting from a withdrawal set forth in sub-subparagraph (v) of this subparagraph (d), or resulting from a surrender of the annuity, including any surrender subject to the provisions of section 5 of P.L.1981, c.285 (C.17B:25-20) or the Indexed Standard Nonforfeiture Law for Individual Deferred Annuities, P.L.2005, c.194 (C.17B:25-21 et seq.); (e) a summary of the federal tax status of the annuity, and any tax penalty applicable based upon a withdrawal or surrender set forth in sub-subparagraphs (v) and (vi) of subparagraph (d) of this paragraph; (f) a summary of the 10-day cancellation period for consumers required by section 6 of this act and any other consumer cancellation period required by law, or any greater cancellation period provided under the terms of the annuity, along with the cancellation procedure; and (g) a statement that the annuity and the solicitation, negotiation, and sale of the annuity are subject to regulatory oversight by the department, accompanied by appropriate contact information for the department s consumer assistance services. (2) The annuity contract disclosure statement shall comply with the language simplification standards of the Life and Health Insurance Policy Language Simplification Act, P.L.1979, c.167 (C.17B:17-17 et seq.). d. (1) An insurance producer, non-licensed society agent, representative or member, or an insurer, if no producer or non-licensed society agent, representative or member is involved, shall provide a consumer who applies for an annuity a copy of the buyer s guide and an5 5 annuity contract disclosure statement as set forth in subsections b. and c. of this section, to be delivered no later than five business days after receipt of the application. (2) If a direct-response solicitation occurs via the Internet, the provisions of paragraph (1) for supplying the buyer s guide and the annuity contract disclosure statement shall be satisfied: (a) by making the documents available, in printable form, to consumers on the issuing insurer s Internet website, and providing notice to the consumer of their availability; and (b) by allowing consumers to request, through the issuing insurer s Internet website, mailed copies of the documents, so long as the insurer provides the documents no later than five business days after receipt of the application. (3) If the buyer s guide and the annuity contract disclosure statement are not provided to the consumer in accordance with this section, the consumer shall have a period of not less than 15 days after receipt of any annuity purchased, or longer if provided by the terms of the annuity, to cancel the annuity, and receive from the insurer a prompt refund of any account value of the annuity, including any contract fees or other charges, by mailing or otherwise surrendering the annuity together with a written request for cancellation. The cancellation period provided by this paragraph shall run concurrently with the cancellation period provided by section 6 of this act, or as provided under any other provision of law. C.17B:25-38 Certain annuities excluded, information recorded; determination as to suitability of annuity for consumer; system of supervision. 5. a. An annuity, for purposes of this section concerning the suitability of an annuity for a particular consumer, shall not include any annuity directly solicited to a consumer, that is: (1) an annuity that serves as a funding vehicle for an employee welfare, pension, profitsharing, or deferred compensation plan established or maintained by an employer or other plan sponsor, and which is funded in whole or in part by that employer or other plan sponsor; (2) a structured settlement subject to the provisions of the Structured Settlement Protection Act, P.L.2001, c.139 (C.2A:16-63 et seq.); or (3) a funeral insurance policy defined by section 24 of P.L.1993, c.147 (C.17B:17-5.1). b. (1) An insurance producer, or an agent, representative or member of a fraternal benefit society not required to be licensed as an insurance producer in accordance with section 32 of P.L.1997, c.322 (C.17:44B-32), or an insurer, if no producer or non-licensed society agent, representative or member is involved, shall not negotiate or sell an annuity to a consumer unless the producer, non-licensed society agent, representative or member, or insurer has reasonable grounds for believing that the annuity is suitable for the consumer, on the basis of the facts disclosed by the consumer as to the consumer s investments, other insurance products, financial situation and objectives. (2) The insurance producer, non-licensed society agent, representative or member, or insurer shall, prior to selling an annuity negotiated with a consumer, make reasonable efforts to obtain, and record on a form prescribed by the commissioner, information concerning: (a) the consumer's financial status; (b) the consumer's tax status; (c) the consumer's investment objectives; (d) any other information considered to be relevant by the producer, non-licensed society agent, representative or member, or insurer to provide the reasonable grounds for believing the annuity is suitable for the consumer; and (e) the consumer s acknowledgement:6 6 (i) that the annuity and the solicitation, negotiation, and sale of the annuity concerning its suitability are subject to regulatory oversight by the department; and (ii) of receipt of appropriate contact information for the department s consumer assistance services. (3) The reasonable grounds for an insurance producer, non-licensed society agent, representative or member, or insurer for believing the annuity is suitable for the consumer shall be based upon all relevant information and circumstances of the consumer actually obtained or known, and recorded, during the time of any negotiation or offer of sale on the annuity. (4) (a) The insurance producer, non-licensed society agent, representative or member, or insurer shall not have any obligation to a consumer concerning the suitability of an annuity under this subsection: (i) for merely soliciting a consumer to apply for a particular type of annuity through a direct-response solicitation, occurring prior to any negotiation or attempt to sell the annuity; (ii) if the consumer, upon negotiating or attempting to sell the annuity, refuses to provide the relevant information requested pursuant to paragraph (2) of this subsection, or fails to provide complete or accurate information; or (iii) if the consumer chooses to obtain an annuity other than the annuity negotiated and offered for sale. (b) With respect to any variable annuity, the insurance producer, non-licensed society agent, representative or member, or insurer shall be deemed to have complied with the provisions of this subsection if the producer, non-licensed society agent, representative or member, or insurer complies with any rules of conduct pertaining to consumer suitability promulgated by the Financial Industry Regulatory Authority, or its successor, and approved by the United States Securities and Exchange Commission in accordance with section 19(b)(1) of the Securities Exchange Act of 1934, Pub.L (15 U.S.C. s.78s(b)(1)). c. (1) An insurer shall establish and maintain a system of supervision, or contract with a third party to establish and maintain a system, concerning the negotiation and sale of annuities directly negotiated and sold by the insurer, to assure compliance with the consumer suitability requirements set forth in subsection b. of this section. Any third party insurance producer or non-licensed society agent, representative or member authorized to act on behalf of the insurer shall adopt the insurer s system of supervision for its own employees and contracted persons who negotiate and sell annuities, or establish and maintain a system to assure compliance with the consumer suitability requirements set forth in subsection b. of this section. (2) A system of supervision shall include, but not be limited to: (a) A written set of procedures concerning the negotiation and sale of annuities; and (b) Periodic reviews of information as set forth by the commissioner in regulation, to assist in detecting and preventing violations of subsection b. of this section. (3) Whenever an insurer authorizes a third party insurance producer or non-licensed society agent, representative or member to act on its behalf, the insurer shall make reasonable inquiry to assure that this third party establishes and maintains the system of supervision required by paragraph (1) of this subsection. The reasonable inquiry by the insurer shall include: (a) Obtaining a certification, at least annually, from the third party insurance producer or non-licensed society agent, representative or member, signed by the third party, or an officer, director, or supervisory or managerial employee of that third party with responsibility for the7 7 system of supervision, which may be made available as a representation, in printable form to the insurer, on the third party s Internet website, stating the system complies with the provisions of paragraph (1) of this subsection, or stating that it is not presently in compliance and including specific criteria to be implemented to achieve compliance; and (b) Periodic reviews of information as set forth by the commissioner in regulation, to assist in detecting and preventing violations of subsection b. of this section. C.17B:25-39 Cancellation provision for certain annuities. 6. An annuity directly solicited to a consumer, except for any annuity that is excluded pursuant to the provisions of section 5 of this act, shall not be delivered, issued, executed or renewed in this State or approved for issuance or renewal in this State by the commissioner after the effective date of this act, unless the annuity includes provisions or has attached to it a notice stating that during a period of not less than 10 days after the date the initial owner receives the annuity, the owner may cancel the annuity and receive from the insurer a prompt refund of any account value of the annuity, including any contract fees or other charges, by mailing or otherwise surrendering the annuity together with a written request for cancellation. C.17B:25-40 Certain annuities excluded; report to owner. 7. a. An annuity, for purposes of this section, shall not include any annuity directly solicited to a consumer that is excluded pursuant to the provisions of section 4 of this act. b. (1) An insurer shall provide the owner of an annuity with a report, at least annually, on information concerning the annuity which includes, but is not limited to: (a) the beginning and end date of the current report period; (b) the total amount of charges and other considerations provided for the annuity, any amount charged against the annuity s contract value, and interest credited; (c) the accumulation value, based upon the charges and other considerations provided for the annuity, less any charge against the annuity s contract value, plus interest credited; (d) the cash surrender value, calculated as the greater of the accumulation value as set forth in subparagraph (c) of this paragraph less any applicable surrender charge, or the annuity s minimum guaranteed contract value; and (e) the amount owed on any outstanding loan borrowed by the owner against the annuity s contract value as of the end of the current report period. (2) The insurer shall provide this report: (a) at the beginning and during the accumulation period prior to maturity on a deferred annuity; and (b) at the beginning and during the payout period, for which income payments occur at or after maturity, on any annuity with changes to any non-guaranteed element. C.17B:25-41 Collection, maintenance of information. 8. Any information required to be collected and maintained in order to fulfill the requirements of this act shall be done in accordance with the insurance information practice provisions of P.L.1985, c.179 (C.17:23A-1 et seq.). C.17B:25-42 Violations, penalties. 9. a. A violation of this act shall be a violation of N.J.S.17B:30-1 et seq.8 8 b. Pursuant to the authority provided to the commissioner under N.J.S.17B:30-1 et seq., the commissioner may, upon finding a violation occurred or is occurring, order: (1) an insurer to take reasonably appropriate corrective action regarding any consumer harmed by a violation relating to an annuity issued by the insurer; or (2) a third party insurance producer, or an agent, representative or member of a fraternal benefit society not required to be licensed as an insurance producer in accordance with section 32 of P.L.1997, c.322 (C.17:44B-32), who is authorized to act on behalf of the insurer, to take reasonably appropriate corrective action regarding any consumer harmed by a violation relating to an annuity negotiated and sold by the insurance producer or non-licensed society agent, representative or member. c. The commissioner may, as permitted under N.J.S.17B:30B-1 et seq., alter, modify, or set aside, in whole or in part, any order concerning a penalty for a violation, if the corrective action ordered pursuant to subsection b. of this section occurs promptly to the satisfaction of the commissioner. 10. This act shall take effect on the first day of the seventh month next following enactment. Approved September 19, 2008. Similar documents
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INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Life Insurance Solicitation Proposed Repeals and New Rules: N.J.A.C. 11:4 11 Authorized By: Steven M. Goldman, Commissioner, Department More information ALABAMA DEPARTMENT OF INSURANCE INSURANCE REGULATION CHAPTER 482-1-137 SUITABILITY PROTECTION IN ANNUITY TRANSACTIONS
ALABAMA DEPARTMENT OF INSURANCE INSURANCE REGULATION CHAPTER 482-1-137 SUITABILITY PROTECTION IN ANNUITY TRANSACTIONS TABLE OF CONTENTS Page 482-1-137-.01 Authority.... 2 482-1-137-.02 Purpose.... 2 482-1-137-.03 More information Ch. 87 SPECIAL REQUIREMENTS 31 CHAPTER 87. REQUIREMENTS FOR CERTAIN LIFE INSURANCE POLICIES AND SALES PRACTICES GENERAL PROVISIONS
Ch. 87 SPECIAL REQUIREMENTS 31 CHAPTER 87. REQUIREMENTS FOR CERTAIN LIFE INSURANCE POLICIES AND SALES PRACTICES GENERAL PROVISIONS Sec. 87.1. Definitions. 87.2. Purpose. 87.3. Guaranteed annual endowments. More information Please see Section VIII. for Additional Information:
The Florida Senate BILL ANALYSIS AND FISCAL IMPACT STATEMENT (This document is based on the provisions contained in the legislation as of the latest date listed below.) BILL: CS/SB 166 Prepared By: The More information The Commonwealth of Massachusetts
SENATE, NO. 2476 [Senate, June 17, 2010 - New draft of Senate, No. 462 and House, No. 979 reported from the committee on Financial Services.] The Commonwealth of Massachusetts IN THE YEAR OF TWO THOUSAND More information 1/26/96 (Effective 11/3/95) 211 CMR - 143
211 CMR 31.00: LIFE INSURANCE SOLICITATION Section 31.01: : Authority 31.02: : Purpose 31.03: : Scope 31.04: : Definitions 31.05: Disclosure RequirementsDuties of Insurers 31.06: Pre-Need Funeral Contracts More information ANNUITY DISCLOSURE MODEL REGULATION
Model Regulation Service 2 nd Quarter 2015 ANNUITY DISCLOSURE MODEL REGULATION Table of Contents Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 7. Section 8. Section 9. Section More information TITLE III CROWDFUNDING
H. R. 3606 10 have any person associated with that person subject to such a statutory disqualification. (3) For the purposes of this subsection, the term ancillary services means (A) the provision of due More information VERMONT DEPARTMENT OF BANKING AND INSURANCE REVISED REGULATION 77-2 VERMONT LIFE INSURANCE SOLICITATION REGULATION
VERMONT DEPARTMENT OF BANKING AND INSURANCE REVISED REGULATION 77-2 VERMONT LIFE INSURANCE SOLICITATION REGULATION Section 1. AUTHORITY This rule is adopted and promulgated by the Commissioner of Banking More information Chapter 50 - RULES CONCERNING THE ADVERTISING OF LIFE INSURANCE AND ANNUITIES
Title 210 - NEBRASKA DEPARTMENT OF INSURANCE Chapter 50 - RULES CONCERNING THE ADVERTISING OF LIFE INSURANCE AND ANNUITIES 001. Authority. This rule is promulgated pursuant to the authority granted in More information CHAPTER 1: ANNUITY CONTRACTS AND CONSUMERS...1
Annuity Suitability CHAPTER 1: ANNUITY CONTRACTS AND CONSUMERS...1 General Provisions: Chapter 1114...1 Replacement of Certain Life and Annuity Policies; Requirements...1 Definition of Policy Summary...2 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: C.17B:30A-1 Definitions relative to life insurance viatical More information 69-65. Military Sales Practices
69-65. Military Sales Practices Section 1. Purpose A. The purpose of this regulation is to set forth standards to protect active duty service members of the United States Armed Forces from dishonest and More information Ch. 83 SOLICITATION OF LIFE INSURANCE 31 CHAPTER 83. DISCLOSURES IN SOLICITATION OF LIFE INSURANCE
Ch. 83 SOLICITATION OF LIFE INSURANCE 31 CHAPTER 83. DISCLOSURES IN SOLICITATION OF LIFE INSURANCE Subchap. Sec. A. REQUIRED DISCLOSURES IN THE SOLICITATION OF LIFE INSURANCE... 83.1 B. COST DISCLOSURES More information 13.9.17.1 ISSUING AGENCY: New Mexico Public Regulation Commission Insurance Division. [13.9.17.1 NMAC - N, 1/1/08]
TITLE 13 CHAPTER 9 PART 17 INSURANCE LIFE INSURANCE AND ANNUITIES MILITARY SALES PRACTICES 13.9.17.1 ISSUING AGENCY: New Mexico Public Regulation Commission Insurance Division. [13.9.17.1 NMAC - N, 1/1/08] More information NO. 17-11 DATE: June 27, 2011
NO. 17-11 DATE: June 27, 2011 TO: FROM: SUBJECT: All Producers Licensed in New Jersey James P. Payne, Compliance Officer Suitability in Annuity Transactions The purpose of this Compliance Bulletin is to More information 2012 South Dakota Senate Bill No. 32, South Dakota Eighty-Seventh Legislative Assembly, 2012
Page 1 SOUTH DAKOTA BILL TEXT TITLE: revise the suitability requirements for annuities. VERSION: Adopted February 24, 2012 The Committee on Commerce and Energy at the request of the Department of Labor More information BULLETIN NO. 09-06 ALL LIFE INSURANCE COMPANIES AND FRATERNAL BENEFIT SOCIETIES TRANSACTING BUSINESS IN NEW JERSEY
State of New Jersey DEPARTMENT OF BANKING AND INSURANCE LEGISLATIVE AND REGULATORY AFFAIRS PO BOX 325 TRENTON, NJ 08625-0325 JON S. CORZINE Governor TEL (609) 984-3602 FAX (609) 292-0896 STEVEN M. GOLDMAN More information Chapter 50 - RULES CONCERNING THE ADVERTISING OF LIFE INSURANCE AND ANNUITIES
Title 210 - NEBRASKA DEPARTMENT OF INSURANCE Chapter 50 - RULES CONCERNING THE ADVERTISING OF LIFE INSURANCE AND ANNUITIES 001. Authority. This rule is promulgated pursuant to the authority granted in More information The various sections of the bill have different effective dates as outlined in the summary below.
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 CHAPTER 190. AN ACT concerning group life insurance,supplementing Title 17B of the New Jersey Statutesand repealing parts of the statutory law.
CHAPTER 190 AN ACT concerning group life insurance,supplementing Title 17B of the New Jersey Statutesand repealing parts of the statutory law. BE IT ENACTED by the Senate and General Assembly of the State More information CHAPTER 20:06:10 ADVERTISEMENTS AND SOLICITATIONS OF HEALTH AND LIFE INSURANCE. 20:06:10:02 Advertisements and solicitations subject to regulations.
CHAPTER 20:06:10 ADVERTISEMENTS AND SOLICITATIONS OF HEALTH AND LIFE INSURANCE Section 20:06:10:01 Definitions. 20:06:10:02 Advertisements and solicitations subject to regulations. 20:06:10:02.01. General More information CHAPTER 12 REGULATION GOVERNING REPLACEMENT OF LIFE INSURANCE POLICIES AND ANNUITIES
CHAPTER 12 REGULATION GOVERNING REPLACEMENT OF LIFE INSURANCE POLICIES AND ANNUITIES Section 1. Authority These rules and regulations governing the replacement of life insurance policies and annuities More information CHAPTER 16 REPLACEMENT OF LIFE INSURANCE AND ANNUITIES [Prior to 10/22/86, Insurance Department[510]]
Insurance[191] Ch 16, p.1 CHAPTER 16 REPLACEMENT OF LIFE INSURANCE AND ANNUITIES [Prior to 10/22/86, Insurance Department[510]] 191 16.1(507B) Purpose and authority. 16.1(1) The purpose of these rules More information Page # 1 Checklist Credit December 2012 (3).docx Date Revised: 12/17/12
State of New Hampshire Insurance Department REVIEW REQUIREMENTS CHECKLIST FOR CREDIT LIFE, ACCIDENT, UNEMPLOYMENT AND DISABILITY INCOME INSURANCE LINE OF BUSINESS: CREDIT TOI CODES: CR01 through CR07 INSTRUCTIONS More information 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 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 a. a person offering or selling a security as defined in Section 2 of Title 71 of the Oklahoma Statutes if:
Oklahoma Statutes Citationized Section 775A.1 - Legislature Finds, Determines and Declares. The Legislature hereby finds, determines and declares that the use of telephones for commercial solicitation More information State of Rhode Island and Providence Plantations DEPARTMENT OF BUSINESS REGULATION Division of Insurance 233 Richmond Street Providence, RI 02903
State of Rhode Island and Providence Plantations DEPARTMENT OF BUSINESS REGULATION Division of Insurance 233 Richmond Street Providence, RI 02903 INSURANCE REGULATION 109 MILITARY SALES PRACTICES Table More information GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 2007 S 1 SENATE BILL 1198
GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 0 S SENATE BILL Short Title: Regulate Debt Settlement. Sponsors: Senators Clodfelter; and Berger of Rockingham. Referred to: Commerce, Small Business and Entrepreneurship. More information 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 LIFE INSURANCE ILLUSTRATIONS MODEL REGULATION
LIFE INSURANCE ILLUSTRATIONS MODEL REGULATION Section 1. Purpose The purpose of this regulation is to provide rules for life insurance policy illustrations that will protect consumers and foster consumer More information An Act. SUBJECT: Oklahoma Professional Employer Organization Recognition and Registration Act
An Act ENROLLED HOUSE BILL NO. 2446 By: Quinn of the House and Brinkley of the Senate An Act relating to labor; amending 40 O.S. 2011, Section 600.4, which relates to renewal of registration by professional More information 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 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 united heritage advertising guidelines
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Article 8. Operations. 54C-161. Generally accepted accounting principles. A savings bank shall maintain its books and records in accordance with generally accepted accounting principles. (1991, c. 680, More information LIFE INSURANCE ILLUSTRATIONS MODEL REGULATION
Table of Contents LIFE INSURANCE ILLUSTRATIONS MODEL REGULATION Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 7. Section 8. Section 9. Section 10. Section 11. Section 12. Section More information TITLE 18 INSURANCE DELAWARE ADMINISTRATIVE CODE 1. 1200 Life Insurance and Annuities. 1204 Replacement of Life Insurance [Formerly Regulation 30]
DELAWARE ADMINISTRATIVE CODE 1 1200 Life Insurance and Annuities 1204 Replacement of Life Insurance [Formerly Regulation 30] 1.0 Purpose 1.1 The purpose of this regulation is: 1.1.1 To regulate the activities More information ARKANSAS INSURANCE DEPARTMENT LEGAL DIVISION 1200 West Third Street Little Rock, AR 72201-1904 501-371-2820 FAX 501-371-2629
ARKANSAS INSURANCE DEPARTMENT LEGAL DIVISION 1200 West Third Street Little Rock, AR 72201-1904 501-371-2820 FAX 501-371-2629 RULE AND REGULATION NO. 59 MODIFIED GUARANTEED ANNUITIES Table of Contents Section More information 003.02B Credit life insurance;.
Title 210 -- NEBRASKA DEPARTMENT OF INSURANCE Chapter 33 -- LIFE INSURANCE SOLICITATION 001. Authority. This rule is adopted and promulgated by the Nebraska Department of Insurance pursuant to NEB. REV. More information Debt Adjusting Companies and Credit Services Businesses: Tennessee s Requirements
Debt Adjusting Companies and Credit Services Businesses: Tennessee s Requirements Tennessee law has separate provisions relative to debt adjusting companies and credit services businesses (see the definitions More information ILLINOIS CREDIT REPAIR LAWS
ILLINOIS CREDIT REPAIR LAWS This page contains information about starting a credit repair business in Illinois as well as legal information and Credit Repair laws for the State of Illinois. IL ST Ch. 815, More information INSURANCE DEPARTMENT RULE AND REGULATION 17 RULES GOVERNING SOLICITATION AND ADVERTISEMENT OF LIFE INSURANCE
STATE OF ARKANSAS Agency # 054.00 INSURANCE DEPARTMENT RULE AND REGULATION 17 RULES GOVERNING SOLICITATION AND ADVERTISEMENT OF LIFE INSURANCE SECTION 1. AUTHORITY The Rule is adopted and promulgated by More information CHAPTER 2011-71. Committee Substitute for Committee Substitute for Senate Bill No. 1316
CHAPTER 2011-71 Committee Substitute for Committee Substitute for Senate Bill No. 1316 An act relating to loan processing; amending s. 494.001, F.S.; creating and revising definitions; deleting a redundant More information Authorized By: Steven M. Goldman, Commissioner, Department of Banking and Insurance
INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Military Sales Practices Proposed New Rules: N.J.A.C. 11:2-23A Authorized By: Steven M. Goldman, Commissioner, Department of Banking More information A Consumer s Guide to Annuities
Insurance Facts for Pennsylvania Consumers A Consumer s Guide to Annuities 1-877-881-6388 Toll-free Automated Consumer Line www.insurance.pa.gov Pennsylvania Insurance Department Web site Accumulation More information 211 CMR: DIVISION OF INSURANCE
211 CMR 95.00: VARIABLE LIFE INSURANCE Section 95.01: Definitions 95.02: Qualifications of Insurance Companies to Issue Variable Life Insurance Policies 95.03: Separate Accounts 95.04: Investment Policy More information History: Add. 2006, Act 399, Imd. Eff. Sept. 29, 2006; Am. 2012, Act 544, Eff. June 1, 2013.
THE INSURANCE CODE OF 1956 (EXCERPT) Act 218 of 1956 CHAPTER 41A ANNUITY RECOMMENDATION TO CONSUMERS 500.4151 Definitions. Sec. 4151. As used in this chapter: (a) "Annuity" means an annuity that is an More information Notice of Intent to Adopt Rules
1. General Information a. Agency/Board Name Notice of Intent to Adopt Rules Revised July 2014 b. Agency/Board Address c. City d. Zip Code e. Name of Contact Person f. Contact Telephone Number g. Contact More information DEPARTMENT OF CONSUMER AND INDUSTRY SERVICES INSURANCE BUREAU ADVERTISEMENT OF LIFE INSURANCE AND ANNUITIES
DEPARTMENT OF CONSUMER AND INDUSTRY SERVICES INSURANCE BUREAU ADVERTISEMENT OF LIFE INSURANCE AND ANNUITIES (By authority conferred on the commissioner of insurance by section 210 of Act No. 218 of the More information This rule was filed as 13 NMAC 9.3. LIFE INSURANCE AND ANNUITIES VARIABLE ANNUITY CONTRACTS
This rule was filed as 13 NMAC 9.3. TITLE 13 CHAPTER 9 PART 3 INSURANCE LIFE INSURANCE AND ANNUITIES VARIABLE ANNUITY CONTRACTS 13.9.3.1 ISSUING AGENCY: New Mexico State Corporation Commission [Public More information CHAPTER 26.1-45 LONG-TERM CARE INSURANCE
CHAPTER 26.1-45 LONG-TERM CARE INSURANCE 26.1-45-01. Definitions. In this chapter, unless the context requires otherwise: 1. "Applicant" means: a. In the case of an individual long-term care insurance More information 211 CMR: DIVISION OF INSURANCE
211 CMR 34.00: THE REPLACEMENT OF LIFE INSURANCE AND ANNUITIES Section 34.01: Purpose 34.02: Definitions 34.03: Exemptions 34.04: Duties of Agents and Brokers 34.05: Duties of All Insurers 34.06: Duties More information STATE OF NEW JERSEY. SENATE, No. 1988. 213th LEGISLATURE. Sponsored by: Senator JEFF VAN DREW District 1 (Cape May, Atlantic and Cumberland)
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ASSEMBLY COMMITTEE SUBSTITUTE FOR ASSEMBLY, No. STATE OF NEW JERSEY th LEGISLATURE ADOPTED MARCH, 0 Sponsored by: Assemblyman JOHN F. MCKEON District (Essex and Morris) Assemblyman JOSEPH A. LAGANA District More information NC General Statutes - Chapter 58 Article 54 1
Article 54. Medicare Supplement Insurance Minimum Standards. 58-54-1. Definitions. Unless the context clearly indicates otherwise, the following words, as used in this Article, have the following meanings: More information STATE OF OKLAHOMA. 2nd Session of the 53rd Legislature (2012) COMMITTEE SUBSTITUTE
STATE OF OKLAHOMA nd Session of the rd Legislature () COMMITTEE SUBSTITUTE FOR HOUSE BILL NO. By: Quinn COMMITTEE SUBSTITUTE An Act relating to labor; amending 0 O.S., Section 00., which relates to renewal More information Broker Compliance Evaluation. Manual
Broker Compliance Evaluation Manual August 2010 Broker Compliance Evaluation Manual This Broker Compliance Evaluation Manual was prepared primarily to assist the real estate broker conducting residential More information Chapter 72 -- LIFE INSURANCE ILLUSTRATIONS REGULATION
Title 210 -- NEBRASKA DEPARTMENT OF INSURANCE Chapter 72 -- LIFE INSURANCE ILLUSTRATIONS REGULATION 001. Purpose. The purpose of this regulation is to provide rules for life insurance policy illustrations More information Senate AN ACT PROTECTING THE INTERESTS OF CONSUMERS DOING BUSINESS WITH FINANCIAL PLANNERS.
Senate General Assembly File No. 168 February Session, 2016 Substitute Senate Bill No. 265 Senate, March 23, 2016 The Committee on Aging reported through SEN. FLEXER of the 29th Dist., Chairperson of the More information SUBCHAPTER 11. VIATICAL SETTLEMENTS REGULATION
TITLE 365. CHAPTER 25. LICENSURE OF AGENTS, BAIL BONDSMEN, COMPANIES, PREPAID FUNERAL BENEFITS, AND VIATICAL SETTLEMENTS PROVIDERS AND BROKERS SUBCHAPTER 11. VIATICAL SETTLEMENTS REGULATION 365:25-11-1. More information 51ST LEGISLATURE - STATE OF NEW MEXICO - FIRST SESSION, 2013
SENATE BILL 1 1ST LEGISLATURE - STATE OF NEW MEXICO - FIRST SESSION, INTRODUCED BY Carroll H. Leavell 1 AN ACT RELATING TO INSURANCE; REQUIRING INSURERS TO MAKE GOOD FAITH EFFORTS TO LOCATE BENEFICIARIES More information Extracts from The Insurance Act, Insurance Agents and Adjusters Regulation and the Certificate Expiry, Penalties and Fees Regulation
The following sections are an overview of the relevant sections of the Act and Regulations concerning Restricted Certificate holders. This is not intended to be an exhaustive review of every requirement. More information CREDIT INSURANCE ACT Act 173 of 1958. The People of the State of Michigan enact:
CREDIT INSURANCE ACT Act 173 of 1958 AN ACT to provide for the regulation of credit life insurance and credit accident and health insurance; to define the powers and duties of the state commissioner of More information 114CSR82 LEGISLATIVE RULE OFFICES OF THE INSURANCE COMMISSIONER SERIES 82 MILITARY SALES PRACTICES
114CSR82 LEGISLATIVE RULE OFFICES OF THE INSURANCE COMMISSIONER SERIES 82 MILITARY SALES PRACTICES Section 114-82-1. General. 114-82-2. Definitions. 114-82-3. Exemptions. 114-82-4. Practices Declared False, More information (c) Providing advice or assistance to a buyer with regard to either subdivision (a) or (b) of this paragraph.
ARIZONA CREDIT REPAIR LAWS Arizona Credit Repair Organizations Act Title 44. Trade and Commerce Chapter 11. Regulations Concerning Particular Businesses Article 7. Credit Services 44-1701. Definitions More information NC General Statutes - Chapter 78C Article 3 1
Article 3. Registration and Notice Filing Procedures of Investment Advisers and Investment Adviser Representatives. 78C-16. Registration and notice filing requirement. (a) It is unlawful for any person More information This title may be cited as the Capital Raising Online While Deterring Fraud and Unethical Non-Disclosure Act of 2012 or the CROWDFUND Act of 2012.
TITLE III--CROWDFUNDING SEC. 301. SHORT TITLE. This title may be cited as the Capital Raising Online While Deterring Fraud and Unethical Non-Disclosure Act of 2012 or the CROWDFUND Act of 2012. SEC. 302. More information Charitable Registration State Provisions
Charitable Registration State Provisions Client and Company will perform their respective obligations under the Agreement in compliance with the following applicable state and commonwealth provisions: More information 2017 © DocPlayer.net Privacy Policy | Terms of Service | Feedback