reglab/housing_qa huggingface dataset:
MO Rev Stat § 375.1265 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1265 - Hearing, insurer's right to, when — procedures — judicial review of order, exceptions.

Effective - 28 Aug 2014   375.1265. Hearing, insurer's right to, when — procedures — judicial review of order, exceptions. — 1. Upon:  (1) Notification to an insurer or health organization by the director of an adjusted RBC report; or  (2) Notification to an insurer or health organization by the director that:  (a) The insurer's or health organization's RBC plan or revised RBC plan is unsatisfactory; and  (b) Such notification constitutes a regulatory action level event with respect to such insurer or health organization; or  (3) Notification to any insurer or health organization by the director that the insurer or health organization has failed to adhere to its RBC plan or revised RBC plan and that such failure has a substantial adverse effect on the ability of the insurer or health organization to eliminate the company action level event with respect to the insurer or health organization in accordance with its RBC plan or revised RBC plan; or  (4) Notification to an insurer or health organization by the director of a corrective order with respect to the insurer or health organization; ­­the insurer or health organization shall have the right to a confidential departmental hearing, with a record made, at which the insurer or health organization may challenge any determination or action by the director. The insurer or health organization shall notify the director of its request for a hearing within five days after the notification by the director pursuant to this subsection. Upon receipt of the insurer's or health organization's request for a hearing, the director shall set a date for the hearing, which date shall be no less than ten nor more than thirty days after the date of the insurer's or health organization's request.  2. An insurer or health organization aggrieved by an order of the director after a hearing pursuant to subsection 1 of this section may obtain judicial review of such order pursuant to sections 536.100 to 536.140, except that:  (1) No insurer or health organization shall be deemed aggrieved unless the director has either:  (a) Made the director's order public; or  (b) Taken action pursuant to sections 375.1250 to 375.1275 or pursuant to sections 375.1165 to 375.1246; or  (c) Issued a corrective order after the hearing;  (2) If the director has taken action as described in paragraph (b) of subdivision (1) of subsection 1 of this section, judicial review pursuant to this section shall be consolidated with and be pendent to the action pursuant to the director's action.  3. There shall be no judicial review of any action by the director pursuant to sections 375.1250 to 375.1275 except as provided in subsection 2 of this section. ­­-------- (L. 1993 H.B. 709 § 7, A.L. 1996 S.B. 759, A.L. 2014 H.B. 1968)
MO Rev Stat § 375.1269 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1269 - Provisions of law supplemental to other insurance laws — rules and regulations, authority — exemption of property — immunity from liability.

Effective - 28 Aug 2014   375.1269. Provisions of law supplemental to other insurance laws — rules and regulations, authority — exemption of property — immunity from liability. — 1. The provisions of sections 375.1250 to 375.1275 are supplemental to any other provisions of the laws of this state, and shall not preclude or limit any other powers or duties of the director under such laws, including but not limited to sections 375.1150 to 375.1246.  2. The director may adopt reasonable rules and regulations necessary for the implementation of sections 375.1250 to 375.1275. No rule or regulation promulgated under authority of this section shall become effective unless it has been promulgated pursuant to the provisions of section 536.024.  3. The director may exempt from the provisions of sections 375.1250 to 375.1275 any domestic property and casualty insurer which:  (1) Writes direct business only in this state;  (2) Writes direct annual premiums of two million dollars or less; and  (3) Assumes no reinsurance in excess of five percent of direct premium written.  4. The director may exempt from the provisions of sections 375.1250 to 375.1275 any domestic health organization that:  (1) Writes direct business only in this state; and  (2) Writes direct annual premiums of two million dollars or less; and  (3) Assumes no reinsurance in excess of five percent of direct premium written; or  (4) Is a limited health service organization that covers less than two thousand lives.  5. There shall be no liability on the part of, and no cause of action shall arise against, the director, the department of commerce and insurance or its employees or agents for any action taken by them in the performance of their powers and duties under sections 375.1250 to 375.1275. ­­-------- (L. 1993 H.B. 709 § 9, A.L. 1996 S.B. 759, A.L. 2014 H.B. 1968)
MO Rev Stat § 375.1270 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1270 - Foreign insurers to submit RBC report to director, when — plan, submission of, when — powers of director.

Effective - 28 Aug 2014   375.1270. Foreign insurers to submit RBC report to director, when — plan, submission of, when — powers of director. — 1. Any foreign insurer or foreign health organization shall, upon the written request of the director, submit to the director an RBC report as of the end of the calendar year just ended the later of:  (1) The date an RBC report would be required to be filed by a domestic insurer or domestic health organization under sections 375.1250 to 375.1275; or  (2) Fifteen days after the request is received by the foreign insurer or foreign health organization.  2. Any foreign insurer or foreign health organization shall, at the written request of the director, promptly submit to the director a copy of any RBC plan that is filed with the chief insurance regulatory official of any other state.  3. In the event of a company action level event regulatory action level event or authorized control level event with respect to any foreign insurer or foreign health organization as determined under the RBC statute applicable in the state of domicile of the insurer or, if no RBC provision is in force in that state, under the provisions of sections 375.1250 to 375.1275, if the chief insurance regulatory official of the state of domicile of the foreign insurer or foreign health organization fails to require the foreign insurer or foreign health organization to file an RBC plan in the manner specified under the RBC statute or, if no RBC provision is in force in the state, under section 375.1255, the director may require the foreign insurer or foreign health organization to file an RBC plan with the director. In such event, the failure of the foreign insurer or foreign health organization to file an RBC plan with the director shall be grounds to order the insurer or foreign health organization to cease and desist from writing new insurance business in this state, pursuant to the procedures set forth in section 374.046.  4. In the event of a mandatory control level event with respect to any foreign insurer or foreign health organization, if no domiciliary receiver has been appointed with respect to the foreign insurer or foreign health organization under the rehabilitation and liquidation statute applicable in the state of domicile of the foreign insurer or foreign health organization, the director may make application to the circuit court of Cole County permitted pursuant to section 375.1234 with respect to the liquidation of property of foreign insurers or foreign health organizations found in this state, and the occurrence of the mandatory control level event shall be considered adequate grounds for the application. ­­-------- (L. 1993 H.B. 709 § 10, A.L. 1996 S.B. 759, A.L. 2014 H.B. 1968)
MO Rev Stat § 375.1272 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1272 - Notices, effective when.

Effective - 28 Aug 2014   375.1272. Notices, effective when. — All notices by the director to an insurer or health organization which may result in regulatory action under sections 375.1250 to 375.1275 shall be effective upon dispatch if transmitted by registered or certified mail, or in the case of any other transmission shall be effective upon the insurer's or health organization's receipt of such notice. ­­-------- (L. 1993 H.B. 709 § 11, A.L. 2014 H.B. 1968)
MO Rev Stat § 375.1280 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1280 - Scope of law.

Effective - 28 Aug 1993   375.1280. Scope of law. — Sections 375.1280 to 375.1295 provide for the regulation of the transfer and novation of contracts of insurance by way of assumption reinsurance. It defines assumption reinsurance and establishes notice and disclosure requirements which protect and define the rights and obligations of policyholders, regulators and the parties to assumption reinsurance agreements. ­­-------- (L. 1993 H.B. 709 § 13)
MO Rev Stat § 375.1282 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1282 - Application of law — not applicable, when.

Effective - 28 Aug 1993   375.1282. Application of law — not applicable, when. — 1. Sections 375.1280 to 375.1295 apply to any insurer authorized in this state which either assumes or transfers the obligations or risks on contracts of insurance owned by policyholders pursuant to an assumption reinsurance agreement.  2. Sections 375.1280 to 375.1295 do not apply to:  (1) Any reinsurance agreement or transaction in which the ceding insurer continues to remain directly liable for its insurance obligations or risks under the contracts of insurance subject to the reinsurance agreement;  (2) The substitution of one insurer for another upon the expiration of insurance coverage pursuant to statutory or contractual requirements and the issuance of a new contract of insurance by another insurer;  (3) The transfer of contracts of insurance pursuant to mergers or consolidations of two or more insurers to the extent that those transactions are regulated by statute;  (4) Any insurer subject to a judicial order of liquidation or rehabilitation; or  (5) Any reinsurance agreement or transaction to which a state insurance guaranty association is a party. ­­-------- (L. 1993 H.B. 709 § 14)
MO Rev Stat § 375.1285 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1285 - Definitions.

Effective - 28 Aug 1993   375.1285. Definitions. — As used in sections 375.1280 to 375.1295, the following terms mean:  (1) "Assuming insurer", the insurer which acquires an insurance obligation or risk from the transferring insurer pursuant to an assumption reinsurance agreement;  (2) "Assumption reinsurance agreement", any contract which both:  (a) Transfers insurance obligations or risks of existing or in-force contracts of insurance from a transferring insurer to an assuming insurer; and  (b) Is intended to effect a novation of the transferred contract of insurance with the result that the assuming insurer becomes directly liable to the policyholders of the transferring insurer and the transferring insurer's insurance obligations or risks under such contracts are extinguished;  (3) "Contract of insurance", any written agreement between an insurer and policyholder pursuant to which the insurer, in exchange for premium or other consideration, agrees to assume an obligation or risk of the policyholder, or to make payments on behalf of or to the policyholder or its beneficiaries; it shall include but not be limited to all property, casualty, life, health, accident, surety, title, and annuity business authorized to be written pursuant to the insurance laws of this state;  (4) "Notice of transfer", the written notice to policyholders required by section 375.1287;  (5) "Policyholder", any individual or entity which has the right to terminate or otherwise alter the terms of a contract of insurance. It includes any certificate holder whose certificate is in force on the proposed effective date of the assumption, if the certificate holder has the right to keep the certificate in force without change in benefit following termination of the group policy. The rights to keep the certificate in force referred to in this section shall not include the right to elect individual coverage under the Consolidated Omnibus Budget Reconciliation Act, ("COBRA" ) section 601, et seq., or the Employee Retirement Income Security Act of 1974, as amended, 29 U.S.C. 1161 et seq.;  (6) "Transferring insurer", the insurer which transfers an insurance obligation or risk to an assuming insurer pursuant to an assumption reinsurance agreement. ­­-------- (L. 1993 H.B. 709 § 15)
MO Rev Stat § 375.1290 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1290 - Policyholder's right to reject, procedures — second and third notices, when — response deemed received, when.

Effective - 28 Aug 1993   375.1290. Policyholder's right to reject, procedures — second and third notices, when — response deemed received, when. — 1. Every policyholder shall have the right to reject the transfer and novation of their contract of insurance. Policyholders electing to reject the assumption transaction shall return to the transferring insurer the preaddressed postage-paid response card or other written notice and indicate thereon that the assumption is rejected.  2. Payment of the next premium to the assuming company after the notice of transfer is received shall be deemed to indicate the policyholder's acceptance of the transfer to the assuming insurer, and a novation shall be deemed to have been effected, provided that the premium notice clearly states that payment of the premium to the assuming insurer shall constitute acceptance of the transfer. However, the premium notice shall also provide a method for the insured to pay the premium while reserving the right to reject the transfer.  3. After no fewer than twelve months from the mailing of the initial notice of transfer required under subsection 1 of section 375.1287, if positive consent to the transfer and assumption has not been received and consent has not been deemed to have occurred under subsection 2 of this section, the transferring company shall send to the policyholder a second notice of transfer as specified in subsection 1 of section 375.1287. After no fewer than twenty-four months from the mailing of the initial notice of transfer, if positive consent to the transfer and assumption has not been received and consent has not been deemed to have occurred under subsection 2 of this section, the transferring company shall send to the policyholder a third and final notice of transfer. If the policyholder does not reject the transfer during the six-month period immediately following the date on which the transferring insurer mails the third and final notice of transfer, the policyholder's consent will be deemed to have occurred and novation of the contract will be effected.  4. The transferring insurer will be deemed to have received the response card or other written notice on the date it is postmarked. A policyholder may also send a response card or other written notice by facsimile or other electronic transmission or by registered mail, express delivery or courier service, in which case the response card shall be deemed to have been received by the assuming insurer on the date of actual receipt by the transferring insurer. ­­-------- (L. 1993 H.B. 709 § 17)
MO Rev Stat § 375.1292 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1292 - Consent to transfer, effect.

Effective - 28 Aug 1993   375.1292. Consent to transfer, effect. — If a policyholder consents to the transfer pursuant to section 375.1290, or if the transfer is effected under section 375.1294, there shall be a novation of the contract of insurance subject to the assumption reinsurance agreement with the result that the transferring insurer shall thereby be relieved of all insurance obligations or risks transferred under the assumption reinsurance agreement, and the assuming insurer shall become directly and solely liable to the policyholder for those insurance obligations or risks. ­­-------- (L. 1993 H.B. 709 § 18)
MO Rev Stat § 375.1294 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1294 - Hazardous financial condition of transferring insurer, automatic transfer, when.

Effective - 28 Aug 1993   375.1294. Hazardous financial condition of transferring insurer, automatic transfer, when. — If an insurer domiciled in this state or in a jurisdiction not having a substantially similar law is deemed by the director to be in hazardous financial condition, or if an administrative or judicial proceeding has been instituted against it for the purpose of liquidating, reorganizing or conserving such insurer, and if the transfer of the contracts of insurance by the insurer is in the best interest of the policyholders, as determined by the director, then a transfer and novation may be effected notwithstanding the provisions of sections 375.1280 to 375.1295. This may include a form of implied consent and adequate notification to the policyholder of the circumstances requiring the transfer as approved by the director. ­­-------- (L. 1993 H.B. 709 § 19)
MO Rev Stat § 375.1295 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1295 - Effective date — application dates.

Effective - 28 Aug 1993   375.1295. Effective date — application dates. — 1. Sections 375.1280 to 375.1295 shall apply to all assumption reinsurance agreements entered into on or after August 28, 1993.  2. Any person who prior to August 28, 1993, committed any act punishable under subsection 10 of section 375.241 may be punished under the provisions of such subsection as it existed prior to August 28, 1993, on any date on or after August 28, 1993. ­­-------- (L. 1993 H.B. 709 § 20)
MO Rev Stat § 375.1300 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1300 - Definitions.

Effective - 28 Aug 1998   375.1300. Definitions. — When used in sections 375.1300 to 375.1312, the following terms mean:  (1) "Consultant", an individual, partnership or corporation who, for a fee, holds himself or itself out to the public as engaged in the business of offering any advice, counsel, opinion or service with respect to the benefits, advantages or disadvantages promised under any policy of insurance that could be issued in this state;  (2) "Director", the director of the department of commerce and insurance of this state;  (3) "Genetic information", the results of a genetic test. Genetic information shall not include family history, the results of routine physical measurements, or the results of chemical, blood, urine analysis, or the results of tests for drugs or the presence of the human immunodeficiency virus, or from results of any other tests commonly accepted in clinical practice at the time;  (4) "Genetic test", a laboratory test of human deoxyribonucleic acid (DNA) or ribonucleic acid (RNA) used to identify the presence or absence of inherited alterations in the DNA or RNA which cause predisposition to disease or illness. The term does not include routine physical measurements and examinations, routine tests performed as a part of a physical examination, chemical, blood or urine analysis, cholesterol tests, tests for the presence of the human immunodeficiency virus, a test for drugs, or tests commonly accepted in clinical practice at the time;  (5) "Insurer", any person, reciprocal exchange, interinsurer, Lloyds insurer, fraternal benefit society, and any other legal entity engaged in the business of insurance, including agents, brokers, adjusters and third-party administrators. "Insurer" also includes health services corporations, health maintenance organizations, prepaid limited health care service plans, dental, optometry and other similar health service plans. For purposes of sections 375.930 to 375.948, such entities shall be deemed to be engaged in the business of insurance. "Insurer" shall also include all companies organized, incorporated or doing business pursuant to the provisions of chapters 325, 375, 376, 377, 378, 379, 381 and 383;  (6) "Person", any natural or artificial entity, including, but not limited to, individuals, partnerships, associations, trusts or corporations;  (7) "Policy", "certificate" or "contract" includes any contract of insurance, indemnity, medical, health or hospital service, suretyship, or annuity issued, proposed for issuance, or intended for issuance by any insurer. ­­-------- (L. 1998 S.B. 722 § 1)
MO Rev Stat § 375.1303 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1303 - Genetic testing by insurer, limitations — penalty — health plan, defined.

Effective - 28 Aug 1998   375.1303. Genetic testing by insurer, limitations — penalty — health plan, defined. — 1. Any insurer, in determining eligibility for coverage, establishing premiums, limiting coverage, renewing coverage or any other underwriting decision, shall not, in connection with the offer, sale or renewal of a health plan:  (1) Require or request a person or blood relative of such person to provide genetic information or take a genetic test;  (2) Except as provided in subdivisions (3) and (4) of this subsection, inquire to determine whether a person or blood relative of such person has taken or refused a genetic test or what the results of any such test were;  (3) Consider without the approval of such person the fact that genetic information or a genetic test was taken or refused by a person or blood relative of such person; or  (4) Consider without the approval of such person genetic information or the results of any genetic test taken by a person or blood relative of such person.  2. A violation of this section shall be subject to the provisions of sections 375.930 to 375.948 relating to unfair trade practices.  3. For purposes of this section, "health plan" does not include any policy, contract or certificate of life insurance, reinsurance, disability income or long-term care coverage. This section applies to applications for coverage made on or after January 1, 1999, and to policies, contracts and certificates issued or renewed on or after such date to provide coverage to residents of this state. ­­-------- (L. 1998 S.B. 722 § 2)