reglab/housing_qa huggingface dataset:
AK Stat § 21.56.180 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 56. Small Employer Health Insurance|Sec. 21.56.180. Fair marketing standards.

(a) A small employer insurer may not, directly or indirectly, enter into a contract, agreement, or arrangement with an insurance producer, a managing general agent, or a third-party administrator that provides for or results in the compensation paid to an insurance producer for the sale of a health care insurance plan to vary based on the health status, claims experience, industry, occupation, size, or geographic location of the small employer. This subsection does not apply to a compensation arrangement that provides compensation to an insurance producer, a managing general agent, or a third-party administrator on the basis of a percentage of premium that does not vary based on the health status, claims experience, industry, occupation, size, or geographic location of the small employer. (b) A small employer insurer shall provide reasonable compensation, as provided under the plan of operation of the program, to an insurance producer, a managing general agent, or a third-party administrator, if any, for the sale of a basic or standard health care insurance plan. (c) A small employer insurer, an insurance producer, a managing general agent, or a third-party administrator may not induce or otherwise encourage a small employer to separate or otherwise exclude an employee from health coverage or benefits provided in connection with the employee's employment. (d) A small employer insurer may only deny an application for coverage from a small employer in writing, and the writing must state the reasons for the denial. (e) The director may establish by regulation additional standards to provide for the fair marketing of health care insurance plans to small employers in this state. (f) A person who enters into a contract, agreement, or other arrangement with a small employer insurer to provide administrative, marketing, or other services related to the offering of health care insurance plans to small employers in this state is subject to this section as if it were a small employer insurer. (g) A violation of this section by a person is an unfair trade practice for purposes of AS 21.36.
AK Stat § 21.56.190 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 56. Small Employer Health Insurance|Sec. 21.56.190. Mandatory reissue of coverage.

The director may adopt regulations to require small employer insurers, as a condition of transacting business with small employers in this state after July 1, 1993, to reissue a health care insurance plan to a small employer who has had its health care insurance plan terminated or not renewed by the insurer after January 1, 1993. The director may prescribe the terms for the reissue of coverage that the director determines are reasonable and necessary to provide continuity of coverage to small employers.
AK Stat § 21.57.010 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 57. Consumer Credit Insurance|Sec. 21.57.010. Purpose.

The purpose of this chapter is to promote the public welfare by regulating consumer credit insurance. Nothing in this chapter is intended to prohibit or discourage reasonable competition. The provisions of this chapter shall be liberally construed.
AK Stat § 21.57.020 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 57. Consumer Credit Insurance|Sec. 21.57.020. Applicability.

Consumer credit insurance transacted in connection with a credit transaction for a personal, household, or family purpose is subject to the provisions of this chapter except (1) insurance written in connection with a credit transaction that is (A) secured by a first mortgage or first deed of trust; and (B) made to finance the purchase of real property, the construction of a dwelling, or to refinance a prior credit transaction made for that purpose; (2) an isolated insurance transaction by the insurer not related to an agreement or a plan for insuring debtors of the creditor; (3) insurance for which no identifiable charge is made to the debtor; or (4) a loan or other credit transaction that exceeds $30,000.
AK Stat § 21.57.030 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 57. Consumer Credit Insurance|Sec. 21.57.030. Authorized types of consumer credit insurance.

A type of consumer credit insurance defined in AS 21.57.160 may be written separately or in combination with other types of consumer credit insurance on an individual or group basis.
AK Stat § 21.57.055 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 57. Consumer Credit Insurance|Sec. 21.57.055. Disclosure to debtors.

(a) Before a debtor elects to purchase consumer credit insurance in connection with a credit transaction, the insurer shall disclose the following in writing to the debtor: (1) the purchase of consumer credit insurance is optional and not a condition of obtaining credit approval; (2) if more than one kind of consumer credit insurance is being made available to the debtor, whether the debtor can purchase the insurance separately or the multiple coverage only as a package; (3) the conditions of eligibility; (4) if the debtor has other insurance that covers the risk, the debtor may not want or need credit insurance; (5) if the creditor requires insurance as additional security for a debt, the debtor has the option of furnishing the required amount of insurance through existing policies owned or procured by the debtor or of procuring and furnishing the required insurance through an insurer authorized to transact insurance business in this state; (6) the effective date of the coverage; (7) the debtor may cancel the coverage within the first 30 days after receiving the individual policy or group certificate and have a premium paid by the debtor refunded or credited; thereafter, the debtor may cancel the policy at any time during the term of the loan and receive a refund of unearned premium; (8) a brief description of the coverage, including (A) the amount; (B) the term; (C) any exceptions, limitations, or exclusions; (D) the insured event; (E) any waiting or elimination period; (F) any deductible; (G) any applicable waiver of premium provision; (H) to whom the benefits would be paid; and (I) the premium rate for a coverage or for multiple coverage in a package; (9) if the premium or insurance charge is financed, it is subject to finance charges at the rate applicable to the credit transaction or at another specified rate; and (10) whether or not the benefits provided are sufficient to pay off the debt existing on the date of death, disability, or unemployment. (b) The disclosure required in (a) of this section shall be provided in the following manner: (1) in connection with consumer credit insurance offered contemporaneously with the extension of credit or offered through direct mail advertisements, the disclosure shall be presented to the consumer in a clear and conspicuous manner; or (2) in conjunction with the offer of credit insurance by telephone and contemporaneously with the extension of credit or subsequent to the extension of credit by other than direct mail advertisements, the initial disclosure may be provided orally as long as written disclosure is provided to the debtor not later than 10 days after the offer or the date any other written material is provided to the debtor, whichever occurs first. (c) If the debtor elects to purchase coverage, the delivery of the disclosure required in (b) of this section shall be acknowledged by the debtor at the time of delivery, and the insurer shall maintain the debtor's written acknowledgement for at least five years.
AK Stat § 21.57.060 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 57. Consumer Credit Insurance|Sec. 21.57.060. Provisions of policies and certificates of insurance.

(a) Consumer credit insurance shall be evidenced by an individual policy or a group certificate of insurance. (b) The individual policy or group certificate must, in addition to other requirements of law, set out (1) the name and home office address of the insurer; (2) the name of the debtor; (3) the premium to be paid by the debtor disclosed separately for each kind of coverage or for all coverage in a package, except that, for open-ended loans, the premium rate and the basis of premium calculation must be specified; (4) a full description of the coverage, including the amount, the term, and any exceptions, limitations, or exclusions; (5) a statement that the benefits shall be paid to the creditor to reduce or extinguish the unpaid debt and that, whenever the amount of insurance benefit exceeds the unpaid debt, the excess is payable to the debtor, a beneficiary other than the creditor named by the debtor, or the debtor's estate; (6) an explanation of how refunds are calculated in the event of policy termination; and (7) if the benefit is not adequate to completely pay off the debt existing on the date of death, disability, or unemployment, a statement to that effect on the face of the individual policy or group certificate in not smaller than 10 point, bold face type.
AK Stat § 21.57.090 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 57. Consumer Credit Insurance|Sec. 21.57.090. Premiums and refunds.

(a) An insurer may revise its schedules of premium rates from time to time, and file the revised schedules with the director. An insurer may not issue a consumer credit insurance policy for which the premium rate differs from that determined by the schedules of the insurer then approved by the director. (b) An individual policy or group certificate must provide for a refund of all unearned premiums if the insurance is terminated before the scheduled maturity date of the insurance and notice of termination is given to the insurer. The refund of an amount paid by the debtor for insurance shall be paid or credited promptly to the person entitled to it; provided, however, that the director shall prescribe a minimum refund and a refund that would be less than the minimum need not be made. A refund formula that an insurer desires to use must provide refunds that are at least as favorable to the debtor as refunds based on the rule of anticipation. The formula to be used in computing refunds shall be filed with and approved by the director. (c) If a creditor requires a debtor to make a payment for consumer credit insurance and an individual policy or group certificate of insurance is not issued, the creditor shall immediately give written notice to the debtor and shall promptly make an appropriate credit to the account or issue a refund. (d) The amount charged to a debtor for consumer credit insurance may not exceed the premium charged by the insurer, as computed at the time the charge to the debtor is determined. (e) Nothing in this chapter may be construed to authorize a payment for insurance prohibited under other provisions of law governing credit transactions.
AK Stat § 21.57.100 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 57. Consumer Credit Insurance|Sec. 21.57.100. Issuance of policies.

All policies of credit life insurance and credit disability insurance shall be delivered or issued for delivery in this state only by an insurer authorized to do an insurance business in this state, and shall be issued only through holders of licenses or authorizations issued by the director.
AK Stat § 21.57.120 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 57. Consumer Credit Insurance|Sec. 21.57.120. Selection rights of insured.

When consumer credit insurance is required as additional security for a debt, the debtor shall, upon request to the creditor, have the option of furnishing the required amount of insurance through existing policies of insurance owned or controlled by the debtor or of procuring and furnishing the required coverage through an insurer authorized to transact an insurance business in this state.
AK Stat § 21.57.125 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 57. Consumer Credit Insurance|Sec. 21.57.125. Duties of an insurer.

Except as otherwise prohibited by law, duties imposed upon an insurer by this chapter may be carried out by a creditor if the creditor is licensed under AS 21.27 as an insurance producer, a managing general agent, or a third-party administrator, and transacts business within the scope of its license on behalf of the insurer.
AK Stat § 21.57.130 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 57. Consumer Credit Insurance|Sec. 21.57.130. Enforcement.

The director may, after notice and hearing, adopt regulations considered appropriate for the implementation of this chapter. Whenever the director finds that there has been a violation of this chapter or regulations adopted under it, and after written notice thereof and hearing given to the insurer or other person authorized or licensed by the director, the director shall set out the details of the findings together with an order for compliance by a specified date. The order shall be binding on the insurer and other person authorized or licensed by the director on the date specified unless sooner withdrawn by the director or a stay has been ordered by a court of competent jurisdiction.
AK Stat § 21.57.140 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 57. Consumer Credit Insurance|Sec. 21.57.140. Judicial review.

A party to the proceeding affected by an order of the director shall be entitled to judicial review by following the procedure set out in AS 21.06.230.
AK Stat § 21.57.150 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 57. Consumer Credit Insurance|Sec. 21.57.150. Penalties.

(a) In addition to any other penalty provided by law, a person licensed under AS 21.27 that the director determines under AS 21.06.170 - 21.06.240 has violated the provisions of this chapter is subject to (1) a civil penalty equal to the compensation promised, paid, or to be paid, directly or indirectly, to the licensee in regard to a violation; (2) either a civil penalty of not more than $10,000 for a violation or, if the director determines that the person wilfully violated the provisions of this chapter, a civil penalty of not more than $25,000 for a violation; and (3) denial, nonrenewal, suspension, or revocation of a license. (b) In addition to any other penalty provided by law, an insurer that the director determines under AS 21.06.170 - 21.06.240 has violated the provisions of this chapter is subject to (1) a civil penalty equal to the premium earned, directly or indirectly, by the insurer in regard to a violation; (2) either a civil penalty of not more than $10,000 for a violation or, if the director determines that the insurer wilfully violated the provisions of this chapter, a civil penalty of not more than $25,000 for a violation; and (3) denial, suspension, or revocation of a certificate of authority. (c) In addition to any other penalty provided by law, any person that the director determines under AS 21.06.170 - 21.06.240 has violated the provisions of this chapter is subject to (1) either a civil penalty of not more than $10,000 for a violation or, if the director determines that the person wilfully violated the provisions of this chapter, a civil penalty of not more than $25,000 for a violation; and (2) denial of a license.
AK Stat § 21.60.010 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 60. Property Insurance Contracts|Sec. 21.60.010. Over-insurance prohibited.

(a) Over-insurance shall be considered to exist if property or an insurable interest in property is insured by one or more insurance contracts against the same hazard in an amount in excess of the fair value of the property or of the interest, as determined on the effective date of the insurance or the renewal of it. (b) A person may not knowingly issue, place, procure, or accept an insurance contract that would result in over-insurance of the property or interest in the property proposed to be insured, except as provided in AS 21.60.020. (c) Each violation of this section shall subject the violator to the penalties provided in AS 21.97.020. (d) In this section the term “fair value” means the cost of replacement less depreciation that is properly applicable to the subject insured.
AK Stat § 21.60.020 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 60. Property Insurance Contracts|Sec. 21.60.020. Replacement insurance.

By a contract of insurance of property or of any insurable interest in the property, the insurer may in connection with a special provision or endorsement made a part of the policy insure the cost of repair or replacement of the property, if damaged or destroyed by a hazard insured against, and without deduction of depreciation, subject to reasonable regulations that may be adopted by the director.
AK Stat § 21.61.100 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 61. Air Ambulance Membership Agreements|Sec. 21.61.100. Air ambulance membership agreement.

(a) An air ambulance service provider that meets the requirements of AS 21.61.105 may offer an air ambulance membership agreement. (b) The term of an air ambulance membership agreement may not exceed one year, but may be renewed annually. (c) An air ambulance membership agreement may not include a provision that requires an air ambulance service provider to pay for or indemnify a person for services provided by a third party, including a third party that is another air ambulance service provider.
AK Stat § 21.61.105 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 61. Air Ambulance Membership Agreements|Sec. 21.61.105. Registration of air ambulance service providers.

(a) An air ambulance service provider that offers an air ambulance membership agreement shall register biennially with the director on a form prescribed by the director. (b) At the time of registration, an air ambulance service provider shall supply the director with evidence that the air ambulance service provider (1) has been certified as meeting the minimum standards prescribed by the Department of Health and Social Services under AS 18.08.082(a)(3); and (2) has been in operation in the state for at least two years, or meets solvency requirements established by the director in regulation.
AK Stat § 21.61.106 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 61. Air Ambulance Membership Agreements|Sec. 21.61.106. Other provisions applicable.

(a) In addition to the provisions of this chapter, the following provisions of this title apply to air ambulance service providers and air ambulance membership agreements to the extent applicable and not in conflict with the express provisions of this chapter and the reasonable implications of the express provisions: (1) AS 21.36; (2) AS 21.42. (b) When applying the provisions listed in (a) of this section, the director shall treat an air ambulance service provider as an insurer and an air ambulance membership agreement as an excepted benefits insurance policy under AS 21.54.160. (c) Except as provided in this section, an air ambulance service provider or an air ambulance membership agreement that complies with this chapter is not otherwise subject to this title.
AK Stat § 21.61.109 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 61. Air Ambulance Membership Agreements|Sec. 21.61.109. Regulations.

The director may adopt regulations to implement this chapter.
AK Stat § 21.61.110 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 61. Air Ambulance Membership Agreements|Sec. 21.61.110. Definitions.

In AS 21.61.100 - 21.61.110, (1) “air ambulance” means a publicly or privately owned aircraft intended to be used and maintained or operated to provide critical care ambulance services, air medevacs, and medevac services for the transportation of individuals who are sick, injured, wounded, or otherwise helpless; (2) “air ambulance membership agreement” means an agreement in exchange for consideration, to pay for, indemnify, or provide an amount or benefit to a person for the cost of air ambulance services; (3) “air ambulance service provider” means a person that owns or operates an air ambulance; (4) “consideration” means a membership fee, receipt of insurance proceeds, performance of a service, waiver of a right, or anything of value.
AK Stat § 21.63.010 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 63. Surety Insurance Contracts|Sec. 21.63.010. Rights of surety insurer.

A surety insurer authorized as such under this title shall have the power to become the surety on bonds and undertakings required by law, subject to all the rights and liabilities of private persons. This section does not limit in any way the powers, obligations, and liabilities of the insurers as provided for in other provisions of this title.
AK Stat § 21.63.020 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 63. Surety Insurance Contracts|Sec. 21.63.020. May be sole surety on official bonds.

Whenever a bond, undertaking, recognizance, or other obligation is by law, or the charter, ordinance, rules, or regulations of a municipality, board, body, organization, or public officer, required or permitted to be made, given, tendered, or filed, with surety or sureties, and whenever the performance of an act, duty, or obligation, or the refraining from an act, is required or permitted to be guaranteed, the bond, undertaking, obligation, recognizance, or guaranty may be executed by a surety insurer qualified to act as surety or guarantor as authorized in this title. The execution by the insurer of the bond, undertaking, obligation, recognizance, or guaranty shall be in all respects a full and complete compliance with every requirement of the law, charter, ordinance, rule, or regulation that the bond, undertaking, obligation, recognizance, or guaranty shall be executed by one surety or by one or more sureties, or that the surety shall be a resident, or householder, or freeholder, or either or both, or possessed of any other qualifications; and all courts, judges, heads of departments, boards, bodies, municipalities, and public officers of every character shall accept and treat accordingly the bond, undertaking, obligation, recognizance, or guaranty when so executed by the insurer, as conforming to and fully and completely complying with every requirement of every law, charter, ordinance, rule, or regulation.
AK Stat § 21.63.030 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 63. Surety Insurance Contracts|Sec. 21.63.030. Release from liability on official bonds.

A surety insurer may be released from its liability on a bond referred to in AS 21.63.020 upon the same terms and conditions as are by law prescribed for the release of individual sureties.