reglab/housing_qa huggingface dataset:
AR Code § 23-78-113 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 78 - Burial Associations|§ 23-78-113. Agent's license required

 (a) Before an agent or representative represents a burial association in this state, the agent or representative shall first apply to the State Board of Embalmers, Funeral Directors, Cemeteries, and Burial Services for a license.  (b)  (1) The board shall have full power and authority to issue the license upon proof satisfactory to the board that the person is capable of soliciting burial association memberships and is of good moral character and recommended by the association in behalf of which the membership solicitations are to be made.  (2) The board may reject the application of any person who does not meet the requirements herein set out.    (c) The board may revoke the license upon proof satisfactory to it that the licensed agent has violated any section of this chapter.  (d) The license fee shall be ten dollars ($10.00), and the license must be renewed for each calendar year at the same fee.  (e) It shall not be necessary that the president, vice president, or the secretary-treasurer of any burial association obtain a license for soliciting memberships in any association of which the person is president, vice president, or secretary-treasurer.  (f) Membership certificates shall not be issued by a solicitor in the field, but all applications shall be forwarded to the office of the association, and the certificates shall be issued there and a record made of the issuance at the time the certificate is issued.
AR Code § 23-78-114 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 78 - Burial Associations|§ 23-78-114. False claim, promise, or representation of agent

 Any burial association official or agent or any representative of a burial association who for the purpose of inducing a member of one (1) association to change membership to another association shall make any false claim, promise, or representation not authorized in the bylaws of the association represented by him or her shall be guilty of a Class A misdemeanor.
AR Code § 23-78-115 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 78 - Burial Associations|§ 23-78-115. Rules and bylaws

 All burial associations shall have and maintain rules and bylaws in such form and with such contents as prescribed by the State Board of Embalmers, Funeral Directors, Cemeteries, and Burial Services.
AR Code § 23-78-116 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 78 - Burial Associations|§ 23-78-116. Membership dues and assessments

 (a) From and after February 18, 1953, a burial association organized or operating in this state shall not issue a certificate providing benefits for a member for an assessment or membership dues less than the minimum assessment or minimum dues prescribed for the benefits by the State Board of Embalmers, Funeral Directors, Cemeteries, and Burial Services.  (b) However, dues and assessments of the membership as of February 18, 1953, shall not be changed by the board.
AR Code § 23-78-117 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 78 - Burial Associations|§ 23-78-117. Books, records, accounts, and documents — Inspection and audit

 (a) The books, records, accounts, and documents of all burial associations organized or operating in this state shall at all times be open for inspection, examination, and audit by the State Board of Embalmers, Funeral Directors, Cemeteries, and Burial Services, its agents and employees.  (b)  (1) Through its agents and employees, the board shall make examinations, from time to time, of all burial associations.  (2)  (A) If, at the time of an examination or audit, the board determines that a burial association's books, records, accounts, and documents are insufficient, unavailable, or in no condition to be examined or audited, the board may collect a fee not to exceed one thousand dollars ($1,000) and recover costs incurred, including the following:  (i) Round trip mileage from the board office to the burial association, at the travel rate then prevailing for other state employees; and  (ii) Per diem expenses at the travel rate then prevailing for other state employees.    (B) Any fees or costs incurred shall not be payable from the burial association's mortuary fund.      (c) The board shall be audited from time to time by the Legislative Joint Auditing Committee.
AR Code § 23-78-118 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 78 - Burial Associations|§ 23-78-118. Books — False entries prohibited

 A person or burial association official who knowingly makes or allows to be made a false entry on the books of the association with intent to deceive or defraud a member of the association or with intent to conceal the true condition of the association from the State Board of Embalmers, Funeral Directors, Cemeteries, and Burial Services or its agents or employees or any auditor authorized to examine the books of the association under the supervision of the board is guilty of a Class A misdemeanor.
AR Code § 23-78-119 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 78 - Burial Associations|§ 23-78-119. Records — Failure to maintain

 (a) A burial association secretary or secretary-treasurer who fails to maintain records to the minimum standards required by the State Board of Embalmers, Funeral Directors, Cemeteries, and Burial Services shall be removed by the board from office and another elected by the association in his or her stead.  (b) The election shall be immediately upon notice of the removal.
AR Code § 23-78-120 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 78 - Burial Associations|§ 23-78-120. Semiannual reports

 (a)  (1) Using forms provided by the State Board of Embalmers, Funeral Directors, Cemeteries, and Burial Services, each burial association or society licensed in this state shall file a semiannual report showing the actual financial condition of the burial association or society as of June 30 and December 31 of each year.  (2) The report shall include documents and information as required by rule of the board.    (b)  (1)  (A) The report required under this section is due as of June 30 and December 31 each year.  (B) A report is delinquent if:  (i) It is due as of June 30, and it is filed with the board after August 15 of the year it is due; or  (ii) It is due as of December 31, and it is filed with the board after February 15 of the year next following the year it is due.      (2) If a due date under subdivision (b)(1) of this section falls on a weekend or holiday, the report shall be due on the first business day following the weekend or holiday.  (3)  (A) The board may grant an extension of time to submit a report for good cause.  (B) A burial association or society shall file a request for an extension to the board in writing before the due date of the report.    (4)  (A) A report submitted to the board that omits required documents or information shall not be considered as filed with the board and will be returned to the burial association or society for corrections or completion.  (B) A report that omits required documents or information is delinquent if the submission of documents or information to complete the report:  (i) Causes a report that is due as of June 30 to be filed with the board after August 15 of the year it is due; or  (ii) Causes a report that is due as of December 31 to be filed with the board after February 15 of the year next following the year it is due.      (5) A burial association or society whose report is delinquent is subject to a financial penalty established by rule of the board.    (c) The board shall recover costs incurred in conducting audits and preparing the semiannual report from those associations which fail to file the report prior to the expiration of the deadline referred to in subsection (b) of this section. Costs to be recouped shall include:  (1) Round-trip mileage from the board's office to the association, at the rate then prevailing for other state employees engaged in travel;  (2) Per diem expenses at the rate then prevailing for other state employees engaged in travel;  (3) Plus a two-hundred-fifty-dollar fee for preparing the report.
AR Code § 23-78-121 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 78 - Burial Associations|§ 23-78-121. Rules

 (a) The State Board of Embalmers, Funeral Directors, Cemeteries, and Burial Services shall make and promulgate reasonable rules for the administration of this chapter and for the purpose of carrying out the intent of this chapter.  (b) The rules promulgated under subsection (a) of this section have the full force and effect of statute.
AR Code § 23-78-123 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 78 - Burial Associations|§ 23-78-123. Disposition of fees and charges

 (a)  (1) All fees and charges collected by the State Board of Embalmers, Funeral Directors, Cemeteries, and Burial Services under this chapter shall be deposited into a cash fund deposited to the State Treasury.  (2) The board is empowered to expend the funds for the requirements, purposes, and expenses of the board under the provisions of this chapter, upon a voucher approved by the board and signed by the Insurance Commissioner or his or her designee, provided that the total expense for every purpose incurred shall not exceed the total fees and charges collected by the board under the provisions of this chapter.    (b) The operation of the board and the carrying out of the functions set out in this chapter shall be at no expense to the State of Arkansas.
AR Code § 23-78-124 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 78 - Burial Associations|§ 23-78-124. Revocation of certificate, license, charter, etc. — Hearing

 (a) Before revoking a certificate of authority or license granted under this chapter or any charter or other authority granted to a burial association under any law effective before February 18, 1953, the State Board of Embalmers, Funeral Directors, Cemeteries, and Burial Services shall set the matter down for a hearing.  (b) At least twenty (20) days prior to the date set for the hearing, the board shall notify in writing the burial association or person holding a license of any charges made.  (c) The board shall afford the burial association or person an opportunity to be heard, at which hearing the association or person may be represented by counsel and shall be allowed oral testimony, affidavits, or depositions in reference thereto.  (d)  (1) The board shall have power to subpoena and bring before it any person in this state or take the testimony by deposition of any person with the same fees and mileage and in the same manner as prescribed by law in judicial procedure in courts of this state in civil cases. The fees and mileage shall be paid by the party at whose request the witness is subpoenaed.  (2) The board shall also have the power to order the production of any books, records, and documents at the hearing.    (e)  (1) If the board determines that the burial association or person is guilty of a violation of any provisions of this chapter, its or his or her certificate of authority, charter, license, or other authority shall be revoked.  (2) However, if the burial association or person gives notice of appeal from any adverse decision of the board as set forth in § 23-78-125, then the burial association or person may, at the discretion of the board, continue to operate during the pendency of the appeal.  (3) If the board chooses not to permit the association or person to operate during the pendency of the appeal, then the board shall appoint a person to conduct the business of the association or person until the appeal has been heard.
AR Code § 23-78-125 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 78 - Burial Associations|§ 23-78-125. Revocation of certificate, license, charter, etc. — Appeal

 (a) Upon the revocation of a certificate of authority, charter, or other authority by the State Board of Embalmers, Funeral Directors, Cemeteries, and Burial Services under any of the provisions of this chapter, the association or person whose certificate of authority, charter, license, or other authority has been revoked may appeal from the action of the board revoking the certificate of authority, charter, or other authority to the circuit court of the county in which the burial association may be located.  (b) Appeals shall be made in accordance with the Arkansas Administrative Procedure Act, § 25-15-201 et seq.
AR Code § 23-78-126 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 78 - Burial Associations|§ 23-78-126. Plan for excess financial resources — Approval required

 (a) A burial association that has excess financial resources, as determined by the State Board of Embalmers, Funeral Directors, Cemeteries, and Burial Services, may request that the board approve a plan to pay death benefits in excess of the face value of certificates of benefits issued by the burial association to members of the burial association.  (b) On the approval of the board, the burial association shall submit a plan to the board to pay death benefits in excess of the face value of certificates of benefits issued by the burial association to members of the burial association.  (c)  (1) The plan described in subsection (b) of this section shall:  (A) Be based on the class of business of the burial association; and  (B) Require that death benefits are paid on a fair, proportionate, and equitable basis to members of the burial association.    (2) The plan shall not impugn the financial integrity of the burial association.    (d) In determining whether or not a burial association has excess financial resources, the board shall not consider the assets of a burial association that are attributable to certificates written after July 20, 1987, to be commingled with assets attributable to certificates written before July 20, 1987.
AR Code § 23-82-101 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 82 - Industrial Life Insurance|§ 23-82-101. Definition

 For the purpose of this code, unless the context otherwise requires, “industrial life insurance” is that form of life insurance written under policies of face amount of two thousand dollars ($2,000) or less bearing the words “industrial policy” imprinted on the face thereof as part of the descriptive matter and under which premiums are payable monthly or more often.
AR Code § 23-82-102 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 82 - Industrial Life Insurance|§ 23-82-102. Scope

 The provisions of this chapter apply only to industrial life insurance policies. The following sections shall also apply to industrial life insurance:   (1) Section 23-81-114, excluded or restricted coverage;  (2) Section 23-81-115, limitation of liability;  (3) Section 23-81-120, prohibited policy plans;  (4) Section 23-81-129, incontestability after reinstatement; and  (5) The Standard Nonforfeiture Law for Life Insurance, § 23-81-201 et seq.
AR Code § 23-82-103 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 82 - Industrial Life Insurance|§ 23-82-103. Application to term and specified insurance

 Any of the provisions required by §§ 23-82-105 — 23-82-117 or any portion thereof which are not applicable to single premium or term policies or to policies issued or granted pursuant to nonforfeiture provisions shall to that extent not be incorporated therein.
AR Code § 23-82-104 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 82 - Industrial Life Insurance|§ 23-82-104. Policies prohibited

 No policy of industrial life insurance shall be offered, delivered, or issued for delivery in this state on or after January 1, 1988.
AR Code § 23-82-105 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 82 - Industrial Life Insurance|§ 23-82-105. Grace period provision

 (a) There shall be a provision that the insured is entitled to a grace period of four (4) weeks within which the payment of any premiums after the first may be made, except that in policies for which the premiums are payable monthly, the period of grace shall be one (1) month, but not less than thirty (30) days.  (b) If during the grace period the policy becomes a claim, then any overdue and unpaid premiums may be deducted from any settlement under the policy.
AR Code § 23-82-106 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 82 - Industrial Life Insurance|§ 23-82-106. Integrity of contract and application provision

 (a) There shall be a provision that the policy shall constitute the entire contract between the parties or, if a copy of the application is endorsed upon or attached to the policy when issued, a provision that the policy and the application therefor shall constitute the entire contract.  (b) If the application is so made a part of the contract, the policy shall also provide that, in the absence of fraud, all statements made by the applicant in such an application shall be deemed to be representations and not warranties.
AR Code § 23-82-107 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 82 - Industrial Life Insurance|§ 23-82-107. Incontestability provision

 There shall be a provision that the policy, exclusive of provisions relating to disability benefits or to additional benefits in the event of death by accident or accidental means, shall be incontestable, except for nonpayment of premiums, after it has been in force during the lifetime of the insured for a period of two (2) years from its date of issue.
AR Code § 23-82-108 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 82 - Industrial Life Insurance|§ 23-82-108. Misstatement of age provision

 (a) There shall be a provision that if it is found that the age of the individual insured or the age of any other individual considered in determining the premium has been misstated, any amount payable or benefit accruing under the policy shall be such as the premium would have been had it been purchased stating the correct age.  (b) As to overstatement of age, the policy may provide, in lieu of the provision required under subsection (a) of this section, that the insurer will refund any excess of premium collected for the amount of insurance or benefit stated in the policy, as based upon the correct age.
AR Code § 23-82-109 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 82 - Industrial Life Insurance|§ 23-82-109. Dividend provision

 (a) If the industrial life insurance policy is a participating policy, there shall be a provision that the insurer shall annually ascertain and apportion any divisible surplus accruing on the policy. However, at the option of the insurer, the participation may be deferred to the end of the fifth policy year.  (b) This provision shall not prohibit the payment of additional dividends on default of payment of premiums or termination of the policy.
AR Code § 23-82-110 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 82 - Industrial Life Insurance|§ 23-82-110. Nonforfeiture benefits and cash surrender value provisions

 There shall be provisions for nonforfeiture benefits and cash surrender values as required by the Standard Nonforfeiture Law for Life Insurance, § 23-81-201 et seq.
AR Code § 23-82-111 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 82 - Industrial Life Insurance|§ 23-82-111. Reinstatement provision

 There shall be a provision that unless the policy has been surrendered for its cash surrender value or unless the paid-up term insurance, if any, has expired, the policy will be reinstated at any time within two (2) years from the date of premium default upon written application therefor, the production of evidence of insurability satisfactory to the insurer, the payment of all premiums in arrears, and the payment or reinstatement of any other indebtedness to the insurer upon the policy, all with interest at a rate not exceeding six percent (6%) per annum, compounded annually.
AR Code § 23-82-112 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 82 - Industrial Life Insurance|§ 23-82-112. Settlement provision

 There shall be a provision that when the policy becomes a claim by the death of the insured, settlement shall be made upon surrender of the policy and receipt of due proof of death.
AR Code § 23-82-113 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 82 - Industrial Life Insurance|§ 23-82-113. Authority to alter contract provision

 There shall be a provision that no agent shall have the power or authority to waive, change, or alter any of the terms or conditions of any policy, except that at the option of the insurer, the terms or conditions may be changed by an endorsement or rider signed by an authorized officer of the insurer.
AR Code § 23-82-114 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 82 - Industrial Life Insurance|§ 23-82-114. Designation of beneficiary — Payment upon insured's death

 (a) Each policy shall have a space for the name of the beneficiary designated with a reservation of the right to designate or change the beneficiary after the issuance of the policy.  (b)  (1) The policy may also provide that no designation or change of beneficiary shall be binding on the insurer unless endorsed on the policy by the insurer and that the insurer may refuse to endorse the name of any proposed beneficiary who does not appear to the insurer to have an insurable interest in the life of the insured.  (2) The policy may provide that the insurer may make payment thereunder to the executor or administrator of the insured, or to any of the insured's relatives by blood or legal adoption or connection by marriage, or to any person appearing to the insurer to be equitably entitled thereto by reason of having been named beneficiary or by reason of having incurred expense for the maintenance, medical attention, or burial of the insured if the beneficiary designated in the policy does not surrender the policy with due proof of death within the period stated in the policy, which shall be not less than thirty (30) days after the death of the insured, or if the beneficiary dies before the insured, or the beneficiary is the estate of the insured, a minor, or is not legally competent to give a valid release.  (3) The policy may also include a similar provision applicable to any other payment due under the policy.