reglab/housing_qa huggingface dataset:
AL Code § 27-14-27 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 14 - The Insurance Contract.|Section 27-14-27 - Acts Not Deemed Waiver of Provisions or Defenses.

Section 27-14-27Acts not deemed waiver of provisions or defenses. Without limitation of any right or defense of an insurer otherwise, none of the following acts by, or on behalf of, an insurer shall be deemed to constitute a waiver of any provision of a policy or of any defense of the insurer thereunder: (1) Acknowledgment of the receipt of notice of loss or claim under the policy; (2) Furnishing forms for reporting a loss or claim, for giving information relative thereto, or for making proof of loss or receiving or acknowledging receipt of any such forms or proofs completed or uncompleted; or (3) Investigating any loss or claim under any policy or engaging in negotiations looking toward a possible settlement of any such loss or claim. (Acts 1971, No. 407, p. 707, §340.)
AL Code § 27-14-28 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 14 - The Insurance Contract.|Section 27-14-28 - Effect of Misrepresentations in Proof of Loss.

Section 27-14-28Effect of misrepresentations in proof of loss. No misrepresentation in any proof of loss under any insurance policy shall defeat or void the policy unless such misrepresentation is made with actual intent to deceive as to a matter material to the insured's rights under the policy. (Code 1940, T. 28, §6; Acts 1971, No. 407, p. 707, §341.)
AL Code § 27-14-30 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 14 - The Insurance Contract.|Section 27-14-30 - Right to Proceeds When Same Retained by Life Insurer.

Section 27-14-30Right to proceeds when same retained by life insurer. If under the terms of any annuity contract or life insurance policy, or under any written agreement supplemental thereto, issued by any life insurer, the proceeds, or any part thereof, are retained by the insurer at maturity or otherwise, no person entitled to any part of such proceeds or any installments of interest due, or to become due thereon, shall be permitted to commute, anticipate, encumber, alienate, or assign the same, or any part thereof, if such permission is expressly withheld by the terms of such contract, policy, or supplemental agreement; and if such contract, policy, or supplemental agreement so provides, no payment of interest or of principal shall be in any way subject to such person's debts, contracts, or engagements nor to any judicial process to levy upon, or attach the same, for payment thereof. (Acts 1935, No. 231, p. 627; Code 1940, T. 28, §4; Acts 1971, No. 407, p. 707, §343.)
AL Code § 27-14-31 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 14 - The Insurance Contract.|Section 27-14-31 - Exemption From Debt of Proceeds - Disability.

Section 27-14-31Exemption from debt of proceeds - Disability. The proceeds or avails of all contracts or disability insurance and of provisions providing benefits on account of the insured's disability which are supplemental to life insurance or annuity contracts, heretofore or hereafter effected, shall be exempt from all liability for any debt of the insured and from any debt of the beneficiary existing at the time the proceeds are made available for his use. The exemption of income benefits payable as the result of disability shall not exceed an average of $250.00 of such benefits per month of the period of disability. (Acts 1971, No. 407, p. 707, §344.)
AL Code § 27-14-32 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 14 - The Insurance Contract.|Section 27-14-32 - Exemption From Debt of Proceeds - Annuity Contracts.

Section 27-14-32Exemption from debt of proceeds - Annuity contracts. (a) The benefits, rights, privileges, and options which under any annuity contract, heretofore or hereafter issued, are due or prospectively due the annuitant shall not be subject to execution, nor shall the annuitant be compelled to exercise any such rights, powers, or options, nor shall creditors be allowed to interfere with or terminate the contract, except: (1) As to amounts paid for or as premium on any such annuity with intent to defraud creditors, with interest thereon, and of which the creditor has given the insurer written notice at its home office prior to the making of the payments to the annuitant out of which the creditor seeks to recover. Any such notice shall specify the amount claimed, or such facts as will enable the insurer to ascertain such amount, and shall set forth such facts as will enable the insurer to ascertain the insurance or annuity contract, the person insured or annuitant and the payments sought to be avoided on the ground of fraud; (2) The total exemption of benefits presently due and payable to any annuitant periodically or at stated times under all annuity contracts under which he is an annuitant shall not at any time exceed $250.00 per month for the length of time represented by such installments, and such periodic payments in excess of $250.00 per month shall be subject to garnishment; (3) If the total benefits presently due and payable to any annuitant under all annuity contracts under which he is an annuitant shall at any time exceed payment at the rate of $250.00 per month, then the court may order such annuitant to pay to a judgment creditor or apply on the judgment, in installments, such portion of such excess benefits as to the court may appear just and proper, after due regard for the reasonable requirements of the judgment debtor and his family, if dependent upon him, as well as any payments required to be made by the annuitant to other creditors under prior court orders. (b) If the contract so provides, the benefits, rights, privileges, or options accruing under such contract to a beneficiary or assignee shall not be transferable nor subject to commutation, and if the benefits are payable periodically or at stated times, the same exemptions and exceptions contained in this section for the annuitant shall apply with respect to such beneficiary or assignee. (Acts 1971, No. 407, p. 707, §345.)
AL Code § 27-16-1 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 16 - Industrial Life Insurance.|Section 27-16-1 - "Industrial Life Insurance" Defined.

Section 27-16-1"Industrial life insurance" defined. For the purposes of this title, "industrial life insurance" is that form of life insurance written under policies of face amount to $2,500.00 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. (Acts 1971, No. 407, p. 707, §376.)
AL Code § 27-16-2 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 16 - Industrial Life Insurance.|Section 27-16-2 - Applicability of Chapter.

Section 27-16-2Applicability of chapter. The provisions of this chapter apply only to industrial life insurance policies. Sections 27-15-15, 27-15-24, 27-15-25, 27-15-28, and 27-15-29 shall also apply to industrial life insurance. (Acts 1971, No. 407, p. 707, §375.)
AL Code § 27-16-3 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 16 - Industrial Life Insurance.|Section 27-16-3 - Policy Provisions - Generally.

Section 27-16-3Policy provisions - Generally. (a) No policy of industrial life insurance shall be delivered or be issued for delivery in this state unless it contains in substance the applicable provisions set forth in Sections 27-16-4 through 27-16-14. (b) This section does not apply to burial insurance policies as defined in Section 27-17-1. (Acts 1971, No. 407, p. 707, §377.)
AL Code § 27-16-4 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 16 - Industrial Life Insurance.|Section 27-16-4 - Policy Provisions - Grace Period.

Section 27-16-4Policy provisions - Grace period. There shall be a provision that the insured is entitled to a grace period of four weeks within which the payment of any premiums after the first may be made; except, that in policies the premiums for which are payable monthly, the period of grace shall be one month, but not less than 30 days, and that during the period of grace the policy shall continue in full force, but 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. (Acts 1971, No. 407, p. 707, §378.)
AL Code § 27-16-5 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 16 - Industrial Life Insurance.|Section 27-16-5 - Policy Provisions - Entire Contract; Representations.

Section 27-16-5Policy provisions - Entire contract; representations. 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. If the application is so made a part of the contract, the policy shall also provide that all statements made by the applicant in such application shall, in the absence of fraud, be deemed to be representations and not warranties. (1935, No. 152, p. 194; Code 1940, T. 28, §6; Acts 1971, No. 407, p. 707, §379.)
AL Code § 27-16-6 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 16 - Industrial Life Insurance.|Section 27-16-6 - Policy Provisions - Incontestability.

Section 27-16-6Policy provisions - Incontestability. There shall be a provision that the policy, exclusive of provisions relating to disability or dismemberment 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 years from its date of issue. (Code 1940, T. 28, §7; Acts 1967, No. 181, p. 543; Acts 1971, No. 407, p. 707, §380.)
AL Code § 27-16-7 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 16 - Industrial Life Insurance.|Section 27-16-7 - Policy Provisions - Misstatement of Age or Sex.

Section 27-16-7Policy provisions - Misstatement of age or sex. There shall be a provision that if it is found that the age or sex of the individual insured or the age or sex 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 purchased at the correct age or ages, sex or sexes. (Acts 1971, No. 407, p. 707, §381.)
AL Code § 27-16-8 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 16 - Industrial Life Insurance.|Section 27-16-8 - Policy Provisions - Dividends.

Section 27-16-8Policy provisions - Dividends. If a participating policy, there shall be a provision that the insurer shall annually ascertain and apportion any divisible surplus accruing on the policy; except, that, at the option of the insurer, such participation may be deferred to the end of the fifth policy year. This provision shall not prohibit the payment of additional dividends on default of payment of premiums or termination of the policy. (Acts 1971, No. 407, p. 707, §382.)
AL Code § 27-16-9 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 16 - Industrial Life Insurance.|Section 27-16-9 - Policy Provisions - Reinstatement.

Section 27-16-9Policy provisions - Reinstatement. (a) There shall be a provision that unless the policy has been surrendered for its cash value, or its cash surrender value has been exhausted or the period of any extended insurance provided by the policy has expired, the policy will be reinstated at any time within two years after the date of premium default upon written application therefor, the production of evidence of insurability satisfactory to the insurer, the payment of all overdue premiums and payment or, within the limits permitted by the then cash value of the policy, reinstatement of any other indebtedness to the insurer upon the policy with interest as to both premiums and indebtedness at a rate not exceeding six percent per annum compounded annually. (b) If for the purpose of or toward reinstatement of a policy after its lapse the insurer receives a payment or tender of premium or other funds in amount less than as required to effectuate the reinstatement so as to place the policy currently in full force, then, within 60 days after the receipt of such payment or tender, the insurer shall either: (1) Collect whatever amount is necessary to effectuate the reinstatement and place the policy in full force and effect currently; (2) Refund to the person entitled thereto all such payments and amounts tendered and refuse the reinstatement; or (3) In the absence of action referred to in subdivisions (1) or (2) of this subsection the insurer shall be deemed as a matter of law to have effectuated reinstatement of the policy so that it is in full force and effect currently as of the end of such 60-day period and to have forever waived the payment or collection of all premiums and amounts theretofore due and unpaid under the policy. (c) The provisions made in subsection (b) of this section need not be contained in the policy. (Acts 1971, No. 407, p. 707, §383.)
AL Code § 27-16-10 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 16 - Industrial Life Insurance.|Section 27-16-10 - Policy Provisions - Settlement of Claims.

Section 27-16-10Policy provisions - Settlement of claims. There shall be a provision that, when the policy becomes a claim by the death of the insured, settlement shall be made upon receipt of due proof of death and, at the insurer's option, surrender of the policy and premium receipt book and proof of interest of the claimant. If the insurer specifies a particular period prior to the expiration of which settlement shall be made, such period shall not exceed two months from the receipt of such proofs. (Acts 1971, No. 407, p. 707, §384.)
AL Code § 27-16-11 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 16 - Industrial Life Insurance.|Section 27-16-11 - Policy Provisions - Waiver, etc., of Policy Terms or Conditions.

Section 27-16-11Policy provisions - Waiver, etc., of policy terms or conditions. 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 a duly authorized officer of the insurer. (Acts 1971, No. 407, p. 707, §385.)
AL Code § 27-16-12 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 16 - Industrial Life Insurance.|Section 27-16-12 - Policy Provisions - Beneficiaries; Payment to Other Than Designated Beneficiary.

Section 27-16-12Policy provisions - Beneficiaries; payment to other than designated beneficiary. (a) Each such 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) The policy may also provide that no designation or change of beneficiary shall be binding on the insurer until 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. (c) Such a policy may also provide that if the beneficiary designated in the policy does not make a claim under the policy or does not surrender the policy with due proof of death within the period stated in the policy, which shall be not less than 30 days after the death of the insured, or if the beneficiary is the estate of the insured, or is a minor, or dies before the insured or is not legally competent to give a valid release, then 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 incurred expense for the maintenance, medical attention or burial of the insured. Such policy may also include a similar provision applicable to any other payment due under the policy. (Acts 1971, No. 407, p. 707, §386.)
AL Code § 27-16-13 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 16 - Industrial Life Insurance.|Section 27-16-13 - Policy Provisions - Nonforfeiture Benefits and Cash Surrender Values.

Section 27-16-13Policy provisions - Nonforfeiture benefits and cash surrender values. There shall be provisions for nonforfeiture benefits and cash surrender values as required by Section 27-15-28. (Acts 1971, No. 407, p. 707, §387.)
AL Code § 27-16-14 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 16 - Industrial Life Insurance.|Section 27-16-14 - Policy Provisions - Title.

Section 27-16-14Policy provisions - Title. There shall be a title on the face of each such policy briefly describing the same. (Acts 1971, No. 407, p. 707, §388.)
AL Code § 27-16-15 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 16 - Industrial Life Insurance.|Section 27-16-15 - Policy Provisions - Applicability to Single Premium, etc., Policies.

Section 27-16-15Policy provisions - Applicability to single premium, etc., policies. Any of the provisions required by Sections 27-16-4 through 27-16-14, 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. (Acts 1971, No. 407, p. 707, §389.)
AL Code § 27-16-16 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 16 - Industrial Life Insurance.|Section 27-16-16 - Policy Provisions - Conversion to Life Insurance With Less Frequent Premium Payments.

Section 27-16-16Policy provisions - Conversion to life insurance with less frequent premium payments. There may be a provision in the case of industrial policies granting to the insured, upon proper written request and upon presentation of evidence of insurability satisfactory to the insurer, the privilege of converting any industrial insurance policy to any form of life insurance with less frequent premium payments regularly issued by the insurer, in accordance with terms and conditions agreed upon with the insurer. The privilege of making such conversion need be granted only if the insurer's industrial policies on the life insured, in force as premium-paying insurance and on which conversion is requested, grant benefits in event of death, exclusive of additional accidental death benefits and exclusive of any dividend additions, in an amount not less than the minimum amount of such insurance, with less frequent premium payments issued by the insurer at the age of the insured on the plan of industrial or ordinary insurance desired. (Acts 1971, No. 407, p. 707, §390.)
AL Code § 27-16-17 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 16 - Industrial Life Insurance.|Section 27-16-17 - Policy Provisions - Prohibited Provisions.

Section 27-16-17Policy provisions - Prohibited provisions. No policy of industrial life insurance shall contain any of the following provisions: (1) A provision by which the insurer may deny liability under the policy for the reason that the insured has previously obtained other insurance from the same insurer; (2) A provision giving the insurer the right to declare the policy void because the insured has had any disease or ailment, whether specified or not, or because the insured has received institutional, hospital, medical, or surgical treatment or attention, except a provision which gives the insurer the right to declare the policy void if the insured has, within two years prior to the issuance of the policy, received institutional, hospital, medical, or surgical treatment or attention and if the insured or claimant under the policy fails to show that the condition occasioning such treatment or attention was not of a serious nature or was not material to the risk; or (3) A provision giving the insurer the right to declare the policy void because the insured has been rejected for insurance, unless such right be conditioned upon a showing by the insurer that knowledge of such rejection would have led to a refusal by the insurer to make such contract. (Acts 1971, No. 407, p. 707, §391.)
AL Code § 27-17-1 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17 - Burial Insurance Policies.|Section 27-17-1 - Applicability of Chapter; "Burial Insurance" Defined.

Section 27-17-1Applicability of chapter; "burial insurance" defined. (a) This chapter applies only to burial insurance policies. (b) For the purposes of this title, "burial insurance" is that form of life insurance under which: (1) Benefits are provided in the form of merchandise and services incident to the burial of the insured or the furnishing of a monument to the insured; (2) The specified retail value of such merchandise and services does not exceed $1,500.00; and (3) The words "burial policy," "vault policy," "monument policy," or words of similar import are printed on the policy as a part of its description. (Acts 1971, No. 407, p. 707, §392.)
AL Code § 27-17-2 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17 - Burial Insurance Policies.|Section 27-17-2 - Policy Provisions - Generally.

Section 27-17-2Policy provisions - Generally. No policy of burial insurance shall be delivered or issued for delivery in this state unless it contains in substance the provisions set forth in Sections 27-17-3 through 27-17-14, or corresponding provisions, which in the opinion of the commissioner are not less favorable in any respect to the policyholder. Any of such provisions, or portions thereof, not applicable to single premium policies shall to that extent be omitted therefrom. (Acts 1971, No. 407, p. 707, §393.)
AL Code § 27-17-3 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17 - Burial Insurance Policies.|Section 27-17-3 - Policy Provisions - Grace Period.

Section 27-17-3Policy provisions - Grace period. There shall be a provision that the insured is entitled to a grace period of four weeks within which the payment of any premium after the first may be made, except, that, in policies the premiums which are payable monthly or less often, the period of grace shall be one month but not less than 30 days, and that during the period of grace the policy shall continue in full force, but if during the grace period the policy becomes a claim, then any overdue premiums may be deducted from any cash payment which may be due under the policy. (Acts 1971, No. 407, p. 707, §394.)
AL Code § 27-17-4 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17 - Burial Insurance Policies.|Section 27-17-4 - Policy Provisions - Entire Contract; Representations.

Section 27-17-4Policy provisions - Entire contract; representations. 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. If the application is so made a part of the contract, the policy shall also provide that all statements made by the applicant in such application shall, in the absence of fraud, be deemed to be representations and not warranties. (Acts 1935, No. 152, p. 194; Code 1940, T. 28, §6; Acts 1971, No. 407, p. 707, §395.)