reglab/housing_qa huggingface dataset:
MT Code § 33-15-412 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 4. Application, Issuance, Renewal, Assignment, and Return|33-15-412. Delivery of policy

  33-15-412. Delivery of policy. (1) Subject to the insurer's requirements as to payment of premium, every policy shall be mailed or delivered to the insured or to the person entitled thereto within a reasonable period of time after its issuance, except where a condition required by the insurer has not been met by the insured.   (2) In event the original policy is delivered or is so required to be delivered to or for deposit with any vendor, mortgagee, or pledgee of any motor vehicle or aircraft and in which policy any interest of the vendee, mortgagor, or pledgor in or with reference to such vehicle or aircraft is insured, a duplicate of such policy setting forth the name and address of the insurer, insurance classification of vehicle or aircraft, type of coverage, limits of liability, premiums for the respective coverages, and duration of the policy or memorandum thereof containing the same such information shall be delivered by the vendor, mortgagee, or pledgee to each such vendee, mortgagor, or pledgor named in the policy or coming within the group of persons designated in the policy to be so included. If the policy does not provide coverage of legal liability for injury to persons or damage to the property of third parties, a statement of such fact shall be printed, written, or stamped conspicuously on the face of such duplicate policy or memorandum.   History: En. Sec. 284, Ch. 286, L. 1959; R.C.M. 1947, 40-3727.
MT Code § 33-15-413 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 4. Application, Issuance, Renewal, Assignment, and Return|33-15-413. Renewal by certificate

  33-15-413. Renewal by certificate. Any insurance policy terminating by its terms at a specified expiration date and not otherwise renewable may be renewed or extended at the option of the insurer and upon a currently authorized policy form and at the premium rate then required therefor, for a specific additional period or periods by certificate or by endorsement of the policy, and without requiring the issuance of a new policy.   History: En. Sec. 285, Ch. 286, L. 1959; R.C.M. 1947, 40-3728.
MT Code § 33-15-414 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 4. Application, Issuance, Renewal, Assignment, and Return|33-15-414. Assignment

  33-15-414. Assignment. (1) A policy or group certificate issued under a policy may be assignable or not assignable, as provided by its terms.   (2) Subject to its terms relating to the assignability, any life or disability policy or group certificate under either, under the terms of which the beneficiary may be changed upon the sole request of the insured or owner, may be assigned either by pledge or by transfer of title, by an assignment executed by the insured or owner, alone and delivered to the insurer, whether or not the pledgee or assignee is the insurer.   (3) An assignment valid under this section may transfer to the assignee all the rights, privileges, and incidents of ownership of the assignor in the policy or group certificate, including but not limited to the rights to designate beneficiaries and of a group certificate holder to have an individual policy issued in accordance with 33-20-1209 and 33-20-1210. Any assignment entitles the insurer to deal with the assignee as the owner or pledgee of the policy in accordance with the terms of the assignment until the insurer has received at its home office written notice of termination of the assignment or pledge or written notice by or on behalf of some other person claiming some interest in the policy in conflict with the assignment. However, the insurer may not be prejudiced by any payment made or action taken inconsistent with the terms of any assignment before the insurer has received and had reasonable time to act on written notice of the assignment.   (4) This section acknowledges, declares, and codifies the existing right of assignment of interests under insurance policies. An assignment otherwise valid is not invalid because it was made prior to July 1, 1971.   (5) An insurance producer may not have an ownership interest in any policy, by assignment or otherwise, unless the insurance producer has an insurable interest, as defined in 33-15-201, in the life of the insured, except with permission of the commissioner.   History: En. Sec. 286, Ch. 286, L. 1959; amd. Sec. 1, Ch. 167, L. 1971; R.C.M. 1947, 40-3729; amd. Sec. 41, Ch. 227, L. 2001.
MT Code § 33-15-415 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 4. Application, Issuance, Renewal, Assignment, and Return|33-15-415. Notice of right to return policy

  33-15-415. Notice of right to return policy. Each individual life or disability insurance policy, except a single-premium nonrenewable disability policy, issued for delivery in this state or issued after January 1, 1996, must contain a notice stating in substance that if the person to whom the policy is issued is not satisfied for any reason, the person may return the policy within 10 days of its delivery or a longer period if provided by the policy and have refunded directly to the person the premium paid. A policy returned pursuant to this section is void from the beginning.   History: En. Sec. 75, Ch. 379, L. 1995.
MT Code § 33-15-416 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 4. Application, Issuance, Renewal, Assignment, and Return|33-15-416. Dating of insurance applications -- antedating prohibited

  33-15-416. Dating of insurance applications -- antedating prohibited. An application for issuance of an insurance policy may not be antedated by any person in order to obtain or provide coverage for losses or injuries incurred prior to the date of application.   History: En. Sec. 77, Ch. 379, L. 1995.
MT Code § 33-15-501 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 5. Claims and Benefits|33-15-501. Payment discharges insurer -- notice to contrary

  33-15-501. Payment discharges insurer -- notice to contrary. Whenever the proceeds of or payments under a life or disability insurance policy or annuity contract heretofore or hereafter issued become payable in accordance with the terms of such policy or contract or the exercise of any right or privilege thereunder and the insurer makes payment thereof in accordance with the terms of the policy or contract or in accordance with any written assignment thereof, the person then designated in the policy or contract or by such assignment as being entitled thereto shall be entitled to receive such proceeds or payments and to give full acquittance therefor, and such payments shall fully discharge the insurer from all claims under the policy or contract unless, before payment is made, the insurer has received at its home office written notice by or on behalf of some other person that such other person claims to be entitled to such payment or some interest in the policy or contract.   History: En. Sec. 287, Ch. 286, L. 1959; R.C.M. 1947, 40-3730.
MT Code § 33-15-502 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 5. Claims and Benefits|33-15-502. Minor may give acquittance

  33-15-502. Minor may give acquittance. (1) Any minor domiciled in this state who has attained the age of 16 years shall be deemed competent to receive and to give full acquittance and discharge for a payment or payments in aggregate amount not exceeding $3,000 in any one year made by a life insurer under the maturity, death, or settlement agreement provisions in effect or elected by such minor under a life insurance policy or annuity contract, provided such policy, contract, or agreement shall provide for the payment or payments to such minor and if prior to such payment the insurer has not received written notice of the appointment of a duly qualified guardian of the property of the minor. No such minor shall be deemed competent to alienate the right to or to anticipate such payments. This section shall not be deemed to restrict the rights of minors set forth in 33-15-103.   (2) This section shall not be deemed to require any insurer to determine whether any other insurer may be effecting a similar payment to the same minor.   History: En. Sec. 288, Ch. 286, L. 1959; R.C.M. 1947, 40-3731.
MT Code § 33-15-503 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 5. Claims and Benefits|33-15-503. Forms for proof of loss to be furnished

  33-15-503. Forms for proof of loss to be furnished. An insurer shall furnish, upon written request of any person claiming to have a loss under an insurance contract issued by such insurer, forms of proof of loss for completion by such person, but such insurer shall not, by reason of the requirement so to furnish forms, have any responsibility for or with reference to the completion of such proof or the manner of any such completion or attempted completion.   History: En. Sec. 289, Ch. 286, L. 1959; R.C.M. 1947, 40-3732.
MT Code § 33-15-504 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 5. Claims and Benefits|33-15-504. Claims administration not waiver

  33-15-504. Claims administration not waiver. 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;   (3) investigating any loss or claim under any policy or engaging in negotiations looking toward a possible settlement of any such loss or claim.   History: En. Sec. 290, Ch. 286, L. 1959; R.C.M. 1947, 40-3733.
MT Code § 33-15-505 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 5. Claims and Benefits|33-15-505. through 33-15-510 reserved

  33-15-505 through 33-15-510 reserved.
MT Code § 33-15-511 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 5. Claims and Benefits|33-15-511. Exemption from execution of life insurance proceeds

  33-15-511. Exemption from execution of life insurance proceeds. (1) If a policy of insurance is effected by any person on the person's own life or on another life in favor of a person other than the applicant or, except in cases of transfer with intent to defraud creditors, if a policy of life insurance is assigned or in any way made payable to any person, the lawful beneficiary or assignee of the policy, other than the insured or the person effecting the insurance or executors or administrators of the insured or the person effecting the insurance, is entitled to its proceeds and avails against the creditors and representatives of the insured and of the person effecting the policy whether or not the right to change the beneficiary is reserved or permitted and whether or not the policy is made payable to the person whose life is insured if the beneficiary or assignee predecease that person. However, subject to the statute of limitations, the amount of any premiums for the insurance paid with intent to defraud creditors with interest on the premiums accrues to the creditor's benefit from the proceeds of the policy, but the insurer issuing the policy must be discharged of all liability by payment of its proceeds in accordance with its terms unless before the payment the insurer received written notice at its home office, by or in behalf of a creditor, of a claim to recover for transfer made or premiums paid with intent to defraud creditors, with specifications of the amount claimed.   (2) For the purposes of subsection (1), a policy must also be considered to be payable to a person other than the insured if and to the extent that a facility-of-payment clause or similar clause in the policy permits the insurer to discharge its obligation after the death of the individual insured by paying the death benefits to a person as permitted by the clause.   History: En. Sec. 291, Ch. 286, L. 1959; R.C.M. 1947, 40-3734; amd. Sec. 1190, Ch. 56, L. 2009.
MT Code § 33-15-512 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 5. Claims and Benefits|33-15-512. Exemption from execution of proceeds of group life -- exception

  33-15-512. Exemption from execution of proceeds of group life -- exception. (1) A policy of group life insurance or the proceeds of the policy payable to the individual insured or to the beneficiary under the policy may not be liable, either before or after payment, to be applied by any legal or equitable process to pay any debt or liability of the insured individual, of the individual's beneficiary, or of any other person having a right under the policy. The proceeds of the policy, when not made payable to a named beneficiary or to a third person pursuant to a facility-of-payment clause, may not constitute a part of the estate of the individual insured for the payment of the individual's debts.   (2) This section does not apply to group life insurance issued pursuant to Title 33, chapter 20, parts 10, 11, and 12, to a creditor covering the creditor's debtors to the extent that the proceeds are applied to payment of the obligation for the purpose of which the insurance was issued.   History: En. Sec. 292, Ch. 286, L. 1959; R.C.M. 1947, 40-3735; amd. Sec. 1191, Ch. 56, L. 2009.
MT Code § 33-15-513 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 5. Claims and Benefits|33-15-513. Exemption from execution of proceeds of disability insurance

  33-15-513. Exemption from execution of proceeds of disability insurance. The proceeds or other payments of all contracts of disability insurance and of provisions providing benefits on account of the insured's disability that are supplemental to life insurance or annuity contracts are 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 the insured's use.   History: En. Sec. 293, Ch. 286, L. 1959; R.C.M. 1947, 40-3736; amd. Sec. 1192, Ch. 56, L. 2009.
MT Code § 33-15-514 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 5. Claims and Benefits|33-15-514. Exemption from execution of proceeds of annuity contracts -- assignability of rights

  33-15-514. Exemption from execution of proceeds of annuity contracts -- assignability of rights. (1) The benefits, rights, privileges, and options that under any annuity contract are due or prospectively due the annuitant may not be subject to execution, the annuitant may not be compelled to exercise any rights, powers, or options, and creditors may not be allowed to interfere with or terminate the contract, except:   (a) as to amounts paid for or as premium on any annuity with intent to defraud creditors, with interest, 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. The notice must specify the amount claimed or the facts that will enable the insurer to ascertain the amount and must set forth the facts that will enable the insurer to ascertain the annuity contract, the annuitant, and the payments sought to be avoided on the ground of fraud.   (b) the total exemption of benefits presently due and payable to any annuitant periodically or at stated times under all annuity contracts under which the person is an annuitant may not at any time exceed $250 a month for the length of time represented by the installments and the periodic payments in excess of $350 a month must be subject to garnishee execution;   (c) if the total benefits presently due and payable to any annuitant under all annuity contracts under which the person is an annuitant at any time exceed payment at the rate of $350 a month, then the court may order the annuitant to pay to a judgment creditor or apply on the judgment, in installments, the portion of the excess benefits that appear to the court to be just and proper, after due regard for the reasonable requirements of the judgment debtor and the debtor's family, if dependent upon the debtor, as well as any payments required to be made by the annuitant to other creditors under prior court orders.   (2) If the contract provides, the benefits, rights, privileges, or options accruing under the contract to a beneficiary or assignee may not be transferable or subject to commutation, and if the benefits are payable periodically or at stated times, the same exemptions contained in this section for the annuitant apply with respect to the beneficiary or assignee.   (3) An annuity contract within the meaning of this section is any obligation to pay certain sums at stated times during life or lives or for a specified term or terms, issued for a valuable consideration, regardless of whether or not the sums are payable to one or more persons, jointly or otherwise, but does not include payments under life insurance contracts at stated times during life or lives or for a specified term or terms.   History: En. Sec. 294, Ch. 286, L. 1959; R.C.M. 1947, 40-3737; amd. Sec. 1193, Ch. 56, L. 2009.
MT Code § 33-15-601 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 6. Electronic Delivery of Insurance Notices or Documents|33-15-601. Definitions

  33-15-601. Definitions. As used in this part, the following definitions apply:   (1) "Delivered by electronic means", "delivery by electronic means", or "electronic delivery" means:   (a) delivery to an electronic mail address at which a party has consented to receive notices or documents; or   (b) (i) posting on an electronic network or site accessible by the internet through use of a mobile application, computer, mobile device, tablet, or any other electronic device; and   (ii) sending separate notice of the posting to the electronic mail address at which the party has consented to receive notice of the posting or using any other delivery method to which the party has consented.   (2) "Party" means a recipient of a notice or document required as part of an insurance transaction and includes an applicant, insured, policyholder, certificate holder, or annuity contract holder.   History: En. Sec. 1, Ch. 369, L. 2015.
MT Code § 33-15-602 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 6. Electronic Delivery of Insurance Notices or Documents|33-15-602. Electronic delivery permitted

  33-15-602. Electronic delivery permitted. (1) Subject to the requirements of Title 30, chapter 18, 33-19-202(7)(c), and this part, a notice to a party or any other document that is required in an insurance transaction or that is to serve as evidence of insurance coverage may be delivered, stored, and presented by electronic means.   (2) Electronic delivery of a notice or document as provided in this part is equivalent to any delivery method otherwise required by law, including delivery by first-class mail, first-class mail postage prepaid, certified mail, or certificate of mailing.   (3) A requirement in law that a notice or document provided to a party expressly requires verification or acknowledgment of receipt of the notice or document may be delivered by electronic means only if the method used provides for verification or acknowledgment of receipt.   (4) If an insurer has reason to believe that a party is not receiving notices or documents that the insurer attempts to deliver by electronic means, including if the insurer attempts delivery by electronic means and receives a notice that the delivery by electronic means has failed, the insurer shall deliver the notices or documents by first-class mail or by any other delivery method required for the notices or documents.   (5) An insurer may not impose on a party a fee or charge because the party:   (a) refuses to consent to delivery of a notice or a document by electronic means; or   (b) withdraws consent to delivery of a notice or a document by electronic means.   History: En. Sec. 2, Ch. 369, L. 2015.
MT Code § 33-15-603 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 6. Electronic Delivery of Insurance Notices or Documents|33-15-603. Conditions for electronic delivery

  33-15-603. Conditions for electronic delivery. (1) An insurer may use electronic delivery of a notice or a document to a party under this part if the insurer meets the requirements of subsection (2) and the party:   (a) has affirmatively consented to the electronic delivery method and has not withdrawn the consent;   (b) is provided, before or at the time of giving consent, with a clear and conspicuous statement informing the party of:   (i) the right of the party at any time to have the notice or the document provided or made available in paper form or by another nonelectronic form;   (ii) the right of the party at any time to withdraw consent to have a notice or document delivered by electronic means and any conditions or consequences imposed if consent is withdrawn;   (iii) the specific notice or document or categories of notices or documents that may be delivered by electronic means during the course of the relationship between the insurer and the party;   (iv) the means, after consent is given, by which a party may obtain a paper copy of a notice or document delivered by electronic means; and   (v) the procedures for a party to follow to update information needed to contact the party electronically and to withdraw consent to have a notice or a document delivered by electronic means; and   (c) is provided, before or at the time of giving consent, with a statement of the hardware and software requirements for access to and retention of a notice or document delivered by electronic means. The party shall provide electronic consent to the hardware and software requirements or confirm consent electronically in a manner that reasonably demonstrates that the party can access information in the electronic form that will be used for notices or documents delivered by electronic means.   (2) After the party consents as provided in subsection (1), if a change occurs in hardware or software needed to access or retain a notice or document delivered by electronic means that creates a material risk that the party will not be able to access or retain a notice or document to which the consent applies, the insurer shall provide the party with a statement that:   (a) provides information regarding the revised hardware or software requirements for access to and retention of a notice or document delivered by electronic means; and   (b) recognizes the right of the party to withdraw consent without the imposition of any condition or consequence that was not disclosed under subsection (1)(b)(ii).   (3) Consent to delivery by electronic means remains in effect following a policy modification or renewal if the original consent makes clear that consent continues after a policy modification or renewal.   History: En. Sec. 3, Ch. 369, L. 2015.