reglab/housing_qa huggingface dataset:
WY Stat § 26-13-116 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-116 - Procedures for Undefined Deceptive Practices.

26-13-116. Procedures for undefined deceptive practices.| (a) If the commissioner believes that any person in conducting an insurance business in this state is engaging in any method of competition or in any act or practice, not defined in this chapter, which is unfair or deceptive and that a proceeding by him in respect thereto would be in the public interest, after a hearing in which the person charged receives a notice of the hearing and of the charges against him, the commissioner shall make a written report of his findings of fact relative to the charges and serve a copy thereof upon the person and any intervenor at the hearing.  (b) If the commissioner's report charges a violation of this chapter and if the method of competition, act or practice is not discontinued, the commissioner, through the attorney general, at any time after service of the report, may cause an action to be instituted to enjoin and restrain the person from engaging in the method, act or practice. In the action the court may grant a restraining order or injunction upon any just terms, but the people of this state are not required to give security before the issuance of the order or injunction. If a stenographic record of the proceedings in the hearing before the commissioner is made, a certified transcript thereof including all evidence taken and the report and findings shall be received in evidence in the action.  (c) If the commissioner's report made under subsection (a) of this section or order on hearing made under W.S. 26-2-128 does not charge a violation of this chapter, then any intervenor in the proceedings may appeal within the time and in the manner provided in W.S. 26-2-129(b).
WY Stat § 26-13-117 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-117 - Service of Process Upon Unauthorized Insurers.

26-13-117. Service of process upon unauthorized insurers.| (a) Service of all process, statements of charges and notices under this chapter upon unauthorized insurers shall be made in accordance with W.S. 26-3-122.  (b) The commissioner shall forward all process, statements of charges and notices to the insurer in the manner provided in W.S. 26-3-122.  (c) No default shall be taken against any unauthorized insurer until expiration of thirty (30) days after the date of forwarding by the commissioner under subsection (b) of this section, or date of service of process if under W.S. 26-12-203(b).  (d) W.S. 26-12-203(d) applies to all process, statements of charges and notices under this section.
WY Stat § 26-13-118 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-118 - Favored Agent or Insurer.

26-13-118. Favored agent or insurer.| (a) No person shall require as a condition to loaning money upon the security of any real or personal property, or to the selling of that property under contract, that the owner of the property to whom the money is to be loaned or the vendee of the property being sold, shall place, continue or renew any policy of insurance covering the property, or covering any liability related to the property or the use thereof, through a particular insurance agent or broker or in a particular insurer. This does not prevent the lender or vendor, upon a reasonable basis, from approving or disapproving of the insurer and representative selected to underwrite the insurance, but the basis for approval or disapproval shall relate only to:  (i) The adequacy and terms of the coverage with respect to the interest of the vendor or lender to be insured thereunder;  (ii) The financial standards to be met by the insurer; and  (iii) The ability of the insurer or representative to service the policy.
WY Stat § 26-13-119 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-119 - Interlocking Ownership and Management.

26-13-119. Interlocking ownership and management.| (a) Any insurer may retain, invest in or acquire the whole or any part of the capital stock of any other insurer, or have a common management with any other insurer, unless the retention, investment, acquisition or common management is inconsistent with any other provision of this code, or unless by reason thereof the insurers' business with the public is conducted in a manner which substantially lessens competition generally in the insurance business or tends to create any monopoly therein.  (b) Any person otherwise qualified may be a director of two (2) or more insurers which are competitors, unless the effect thereof is to lessen substantially competition between insurers or tends materially to create a monopoly.
WY Stat § 26-13-120 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-120 - Political Contributions Prohibited; Penalty.

26-13-120. Political contributions prohibited; penalty.| (a) No insurer shall in any manner pay or use, or offer, consent or agree to pay or use, any money or property:  (i) For or in aid of any:  (A) Political party, committee or organization;  (B) Corporation or other body organized or maintained for political purposes;  (C) Candidate for political office;  (D) Nomination for office; or  (E) Other political purpose; or  (ii) For the reimbursement or indemnification of any person for money or property so used.  (b) Any officer, director, stockholder, attorney or agent of any insurer which violates this section, who participates in, aids, abets, advises or consents to any such violation, and any person who solicits or knowingly receives any money or property in violation of this section, is guilty of a misdemeanor and shall be punished by imprisonment for not more than one (1) year and a fine of not more than one thousand dollars ($1,000.00). Any officer or director abetting in any contribution made in violation of this section is liable to the insurer for the amount so contributed.  (c) This section does not prohibit an insurer from otherwise lawful expenditures for presentation of information to legislators relative to proposed legislation affecting the insurer.
WY Stat § 26-13-121 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-121 - Illegal Dealing in Premiums; Excess Charges for Insurance.

26-13-121. Illegal dealing in premiums; excess charges for insurance.| (a) No person shall willfully collect any sum as premium or charge for insurance:  (i) If the insurance is not then provided or is not in due course to be provided, subject to the insurer's acceptance of the risk, by an insurance policy issued by the insurer as authorized by this code;  (ii) In excess of the premium or charge applicable to the insurance, and as specified in the policy, in accordance with the applicable classifications and rates as filed with and approved by the commissioner; or  (iii) In cases where classifications, premiums or rates are not required by this code to be filed and approved, in excess of those specified in the policy and as fixed by the insurer.  (b) Subsection (a) of this section does not prohibit the charging and collection by surplus lines brokers licensed under chapter 11 of this code of the amount of applicable state and federal taxes, examination fee and nominal service charge to cover communication expenses, in addition to the premium required by the insurer. Nor does it prohibit the charging and collection by a life insurer of amounts actually to be expended for medical examination of an applicant for life insurance or for reinstatement of a life insurance policy.  (c) Each violation of this section is punishable under W.S. 26-1-107.
WY Stat § 26-13-122 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-122 - Fictitious Groups Prohibited.

26-13-122. Fictitious groups prohibited.| (a) No authorized or unauthorized insurer shall make available, through any rating plan or form, property, casualty or surety insurance to any firm, corporation or association of individuals at any preferred rate or premium based upon any fictitious grouping of the firm, corporation or association.  (b) No form or plan of insurance covering any group or combination of persons or risks shall be written or delivered within or outside this state to cover persons or risks in this state at any preferred rate or on any form other than as offered to persons not in the group or combination and to the public generally, unless the form, plan of insurance and the rates or premiums to be charged therefor have been submitted to and approved by the commissioner as being not unfairly discriminatory, and as not otherwise being in conflict with subsection (a) of this section or with chapter 14 of this code to the extent that chapter 14 is applicable thereto.  (c) This section does not apply to life insurance, disability insurance or annuity contracts.
WY Stat § 26-13-201 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 2 - False Applications, Claims and Proof of Loss|Section 26-13-201 - False Applications, Claims and Proofs of Loss Prohibited.

26-13-201. False applications, claims and proofs of loss prohibited.| (a) No person shall knowingly or willfully:  (i) Make any false or fraudulent statement or representation in or with reference to any application for insurance or for the purpose of obtaining any money or benefit;  (ii) Present or cause to be presented a false or fraudulent claim or any proof in support of a claim for the payment of the loss upon a contract of insurance;  (iii) Prepare, make or subscribe a false or fraudulent certificate, or other document with intent that the certificate or other document may be presented or used in support of the claim.
WY Stat § 26-13-202 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 2 - False Applications, Claims and Proof of Loss|Section 26-13-202 - Penalties.

26-13-202. Penalties.| Any person who violates this article is subject to the penalty provided in W.S. 26-1-107, or as provided by any other applicable law which provides a greater penalty.
WY Stat § 26-13-301 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 3 - Discretionary Clause Prohibition Act|Section 26-13-301 - Short Title.

26-13-301. Short title.| This act shall be known and may be cited as the "Discretionary Clause Prohibition Act."
WY Stat § 26-13-302 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 3 - Discretionary Clause Prohibition Act|Section 26-13-302 - Purpose and Intent.

26-13-302. Purpose and intent.| The purpose of this act is to assure that health insurance benefits not subject to the federal Employee Retirement Income Security Act are contractually guaranteed, and to avoid the conflict of interest that occurs when the carrier responsible for providing benefits has discretionary authority to decide what benefits are due. This act is also intended to assure that health insurance benefits contracts subject to the federal Employee Retirement Income Security Act which contain a discretionary clause provide appropriate disclosure of the clause and additional provisions to assure a fair determination of contract benefits. Nothing in this act shall be construed as imposing any requirement or duty on any person other than a health carrier.
WY Stat § 26-13-303 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 3 - Discretionary Clause Prohibition Act|Section 26-13-303 - Definitions.

26-13-303. Definitions.| (a) As used in this act:  (i) "Commissioner" means as defined in W.S. 26-1-102(a)(viii);  (ii) "Health care services" means services for the diagnosis, prevention, treatment, cure or relief of a health condition, illness, injury or disease;  (iii) "Health carrier" means an entity subject to the insurance laws and regulations of this state, or subject to the jurisdiction of the commissioner, that contracts or offers to contract to provide, deliver, arrange for, pay for or reimburse any of the costs of health care services, including a sickness and accident insurance company, a health maintenance organization, a nonprofit hospital and health service corporation, or any other entity providing a plan of health insurance, health benefits or health services;  (iv) "Person" means as defined in W.S. 8-1-102(a)(vi);  (v) "This act" means W.S. 26-13-301 through 26-13-305.
WY Stat § 26-13-304 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 3 - Discretionary Clause Prohibition Act|Section 26-13-304 - Discretionary Clause Prohibited.

26-13-304. Discretionary clause prohibited.| (a) No policy, contract, certificate or agreement offered or issued in this state by a health carrier to provide, deliver, arrange for, pay for or reimburse any of the costs of health care services may contain a provision purporting to reserve discretion to the health carrier to interpret the terms of the contract, or to provide standards of interpretation or review that are inconsistent with the laws of this state. This subsection shall not apply to a policy, contract, certificate or agreement subject to and meeting the requirements of subsections (b) and (c) of this section.  (b) Any group policy, contract, certificate or agreement subject to the federal Employee Retirement Income Security Act and offered or issued in this state by a health carrier to provide, deliver, arrange for, pay for or reimburse any of the costs of health care services and which contains a provision purporting to reserve discretion to the health carrier to interpret the terms of the contract or to provide standards of interpretation or review shall contain the following language highlighted in bold in not less than twelve (12) point type:  This benefit plan contains a discretionary clause. Determinations made by (insurer name) pursuant to the discretionary clause do not prohibit or prevent a claimant from seeking judicial review in court of (insurer name's) decisions. By including this discretionary clause (insurer's name) agrees to allow a court to review its determinations anew when a claimant seeks judicial review of (insurer name's) determinations of eligibility of benefits, the payment of benefits or interpretations of the terms and conditions applicable to the benefit plan.  (c) Any group policy, contract, certificate or agreement containing a discretionary clause as authorized in subsection (b) of this section shall contain a provision entitling any person denied benefits in whole or in part to have the determination reviewed de novo in any court with jurisdiction.
WY Stat § 26-13-305 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 3 - Discretionary Clause Prohibition Act|Section 26-13-305 - Penalties.

26-13-305. Penalties.| Any person who violates this act is subject to the penalty provided in W.S. 26-1-107, or as provided by any other applicable law which provides a greater penalty.
WY Stat § 26-15-101 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-101 - Scope of Chapter.

26-15-101. Scope of chapter.| (a) This chapter applies to all insurance contracts and annuity contracts except:  (i) Reinsurance;  (ii) Policies or contracts not issued for delivery in this state nor delivered in this state;  (iii) Wet marine and transportation insurance.
WY Stat § 26-15-102 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-102 - Life Insurance Upon Individual or Person in Whom He Has Insurable Interest; "Insurable Interest" Defined.

26-15-102. Life insurance upon individual or person in whom he has insurable interest; "insurable interest" defined.| (a) Any individual of competent legal capacity may procure or effect an insurance contract upon his own life or body for the benefit of any person. Except as provided in W.S. 26-15-103, no person shall procure or cause to be procured any insurance contract upon the life or body of another individual unless the benefits under the contract are payable to the individual insured or his personal representatives, or to a person having, at the time when the contract is made, an insurable interest in the individual insured.  (b) If the beneficiary, assignee or other payee under any contract made in violation of this section receives from the insurer any benefits thereunder accruing upon the death, disablement or injury of the individual insured, the individual insured or his executor or administrator, as the case may be, may maintain an action to recover the benefits from the person receiving them.  (c) "Insurable interest" as to personal insurance means that any individual has an insurable interest in the life, body and health of himself, and of other persons as follows:  (i) In the case of individuals related closely by blood or by law, a substantial interest engendered by love and affection;  (ii) In the case of other persons, a lawful and substantial economic interest in having the life, health or bodily safety of the individual insured continue, as distinguished from an interest arising only by, or enhanced in value by, the death, disablement or injury of the individual insured; and  (iii) An individual party to a contract or option for the purchase or sale of an interest in a business partnership or firm, or of shares of stock of a closed corporation or of an interest in those shares, has an insurable interest in the life of each individual party to the contract and for the purposes of the contract only, in addition to any insurable interest which otherwise exists as to that individual's life.  (d) An insurer may rely upon all statements, declarations and representations made by an applicant for insurance relative to the applicant's insurable interest in the insured. No insurer incurs legal liability, except as set forth in the policy, by virtue of any untrue statements, declarations or representations relied upon in good faith.
WY Stat § 26-15-103 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-103 - Life Insurance for Benefit of Charitable Institutions.

26-15-103. Life insurance for benefit of charitable institutions.| (a) Contracts of life insurance may be made and entered into in which the person paying the consideration for the insurance has no insurable interest in the life of the person insured, if charitable, benevolent, educational or religious institutions are designated irrevocably as a beneficiary but not necessarily the primary beneficiary thereof.  (b) In making a contract as specified in subsection (a) of this section, the person paying the premium shall make and sign the application therefor as owner and shall designate a charitable, benevolent, educational or religious institution irrevocably as the beneficiary or one (1) of the beneficiaries of the policy. The application also shall be signed by the person whose life is to be insured.  (c) The contract is valid and binding among all of the parties thereto, notwithstanding that the owner has no insurable interest in the life of the person insured.
WY Stat § 26-15-104 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-104 - Insurable Interest in Property; "Insurable Interest" Defined.

26-15-104. Insurable interest in property; "insurable interest" defined.| (a) No contract of insurance of property or of any interest in property or arising from property is enforceable as to the insurance except for the benefit of persons having an insurable interest in the things insured at the time of the loss.  (b) The measure of an insurable interest in property is the extent to which the insured might be directly or indirectly damnified by loss or impairment thereof.  (c) "Insurable interest" as used in this section means any actual, lawful and substantial economic interest in the safety or preservation of the subject of the insurance free from loss, destruction or pecuniary damage or impairment.
WY Stat § 26-15-105 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-105 - Purchase of Life Insurance by or for Minors or Any Person of Competent Legal Capacity.

26-15-105. Purchase of life insurance by or for minors or any person of competent legal capacity.| (a) Any person of competent legal capacity may contract for insurance.  (b) Any minor not less than fifteen (15) years of age, notwithstanding his minority, may contract for or own annuities, or insurance, or affirm by novation or otherwise preexisting contracts for annuities or insurance upon his own life, body, health, property, liabilities or other interests, or on the person of another in whom the minor has an insurable interest. The minor, notwithstanding his minority, may exercise all rights and powers with respect to or under any contract for annuity or for insurance upon his own life, body or health, or any contract the minor effects upon his own property, liabilities or other interests, or any contract the minor owns or effects on the person of another, as might be exercised by a person of full legal age, and may at any time surrender his interest in any such contracts and give valid discharge for any benefit accruing or money payable thereunder. The minor, by reason of his minority, is not entitled to rescind, avoid or repudiate the contract, nor to rescind, avoid or repudiate any exercise of a right or privilege thereunder, except that such a minor not otherwise emancipated is not bound by any unperformed agreement to pay, by promissory note or otherwise, any premium on any such annuity or insurance contract.  (c) Any annuity contract or policy of life disability insurance procured by or for a minor under subsection (b) of this section, shall be made payable either to the minor or his estate or to a person having an insurable interest in the minor's life.
WY Stat § 26-15-106 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-106 - Application to Be Made by Individual Insured; Exceptions.

26-15-106. Application to be made by individual insured; exceptions.| (a) No life or disability insurance contract upon an individual, except a contract of group life insurance or of group or blanket disability insurance, shall be made or carried out unless at the time of the making of the contract the individual insured, being of competent legal capacity to contract, applies therefor or has consented thereto in writing, except:  (i) A spouse may carry out the insurance upon the other spouse;  (ii) Any person having an insurable interest in the life of a minor, or any person upon whom a minor is dependent for support and maintenance, may carry out insurance upon the life of or pertaining to the minor;  (iii) Family policies may be issued insuring any two (2) or more members of a family on an application signed by either parent, a stepparent or by a husband or wife.