reglab/housing_qa huggingface dataset:
GA Code § 33-59-10 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 59 - Life Settlements|§ 33-59-10. Lender-Financed Premiums Using Policy as Collateral; Disclosures and Certifications

  In addition to other questions an insurance carrier may lawfully pose to a life insurance applicant, insurance carriers may inquire in the application for insurance whether the proposed owner intends to pay premiums with the assistance of financing from a lender that will use the policy as collateral to support the financing.   If, as described in paragraph (11) of Code Section 33-59-2, the loan provides funds which can be used for a purpose other than paying for the premiums, costs, and expenses associated with obtaining and maintaining the life insurance policy and loan, the application shall be rejected as a violation of the prohibited practices in Code Section 33-59-13.   If the financing does not violate Code Section 33-59-13 in this manner, the insurance carrier:   May make disclosures, including, but not limited to, disclosures such as the following, to the applicant and the insured, either on the application or an amendment to the application to be completed no later than the delivery of the policy:  "If you have entered into a loan arrangement where the policy is used as collateral and the policy changes ownership at some point in the future in satisfaction of the loan, the following may be true:    A change of ownership could lead to a stranger owning an interest in the insured's life;   A change of ownership could in the future limit your ability to purchase future insurance on the insured's life because there is a limit to how much coverage insurers will issue on one life;   Should there be a change of ownership and you wish to obtain more insurance coverage on the insured's life in the future, the insured's higher issue age, a change in health status, or other factors may reduce the ability to obtain coverage or may result in significantly higher premiums; and   You should consult a professional adviser since a change in ownership in satisfaction of the loan may result in tax consequences to the owner, depending on the structure of the loan."; and     May require certifications, such as the following, from the applicant and the insured:  "(A) I have not entered into any agreement or arrangement providing for the future sale of this life insurance policy;    My loan arrangement for this policy provides funds sufficient to pay for some or all of the premiums, costs, and expenses associated with obtaining and maintaining my life insurance policy, but I have not entered into any agreement by which I am to receive consideration in exchange for procuring this policy; and   The borrower has an insurable interest in the insured."         (Code 1981, §33-59-10, enacted by Ga. L. 2009, p. 370, § 1/SB 61.)   Editor's notes.   - Former Code Section33-59-10 (Code 1981, § 33-59-10, enacted by Ga. L. 2005, p. 998, § 1/SB 217), relating to contracts entered into within two years of the issuance of the policy being prohibited, was repealed by Ga. L. 2009, p. 370, § 1/SB 61, effective July 1, 2009.
GA Code § 33-59-12 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 59 - Life Settlements|§ 33-59-12. Determining Governing Law When Multiple Owners

  If there is more than one owner on a single policy, and the owners are residents of different states, the life settlement contract shall be governed by the law of the state in which the owner having the largest percentage ownership resides or, if the owners hold equal ownership, the state of residence of one owner agreed upon in writing by all of the owners. The law of the state of the insured shall govern in the event that equal owners fail to agree in writing upon a state of residence for jurisdictional purposes.   A provider from this state who enters into a life settlement contract with an owner who is a resident of another state that has enacted statutes or adopted regulations governing life settlement contracts shall be governed in the effectuation of that life settlement contract by the statutes and regulations of the owner's state of residence. If the state in which the owner is a resident has not enacted statutes or regulations governing life settlement contracts, the provider shall give the owner notice that neither state regulates the transaction upon which he or she is entering. For transactions in those states, however, the provider is to maintain all records required if the transactions were executed in the state of residence. The forms used in those states need not be approved by the Commissioner.   If there is a conflict in the laws that apply to an owner and a purchaser in any individual transaction, the laws of the state that apply to the owner shall take precedence and the provider shall comply with those laws.     (Code 1981, §33-59-12, enacted by Ga. L. 2009, p. 370, § 1/SB 61; Ga. L. 2019, p. 533, § 1-24/HB 99.)    The 2019 amendment,  effective July 1, 2019, deleted former subsection (a), which read: "The Commissioner may promulgate regulations implementing this chapter and regulating the activities and relationships of providers, life settlement brokers, insurers, and their agents subject to statutory limitations on administrative rule making."; and redesignated former paragraphs (b)(1) through (b)(3) as present subsections (a) through (c), respectively.   Editor's notes.   - Ga. L. 2009, p. 370, § 1/SB 61, effective July 1, 2009, redesignated former Code Section 33-59-12 as present Code Section 33-59-14.
GA Code § 33-59-15 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 59 - Life Settlements|§ 33-59-15. Remedies and Penalties for Violations; Procedural Issues

  In addition to the penalties and other enforcement provisions of this chapter, if any person violates this chapter or any rule or regulation implementing this chapter, the Commissioner may seek an injunction in a court of competent jurisdiction in the county where the person resides or has a principal place of business and may apply for temporary and permanent orders as the Commissioner determines necessary to restrain the person from further committing the violation.   Any person damaged by the acts of any other person in violation of this chapter or any rule or regulation implementing this chapter may bring a civil action for damages against the person committing the violation in a court of competent jurisdiction.   The Commissioner may issue a cease and desist order upon a person who violates any provision of this chapter, any rule, regulation, or order adopted by the Commissioner, or any written agreement entered into with the Commissioner, in accordance with Chapter 2 of this title.   When the Commissioner finds that such an action presents an immediate danger to the public and requires an immediate final order, he or she may issue an emergency cease and desist order reciting with particularity the facts underlying such findings. The emergency cease and desist order shall become effective immediately upon service of a copy of the order on the respondent and shall remain effective for 90 days. If the department begins nonemergency cease and desist proceedings under subsection (a) of this Code section, the emergency cease and desist order shall remain effective, absent an order by an appellate court of competent jurisdiction pursuant to Chapter 13 of Title 50. In the event of a willful violation of this chapter, the trial court may award statutory damages in addition to actual damages in an additional amount up to three times the actual damage award. The provisions of this chapter may not be waived by agreement. No choice of law provision may be utilized to prevent the application of this chapter to any settlement in which a party to the settlement is a resident of this state.     (Code 1981, §33-59-13, enacted by Ga. L. 2005, p. 998, § 1/SB 217; Code 1981, §33-59-15, as redesignated by Ga. L. 2009, p. 370, § 1/SB 61.)   Editor's notes.   - Former Code Section33-59-15 (Code 1981, § 33-59-15, enacted by Ga. L. 2005, p. 998, § 1/SB 217), relating to the authority of the commissioner, was repealed by Ga. L. 2009, p. 370, § 1/SB 61, effective July 1, 2009.
GA Code § 33-59-16 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 59 - Life Settlements|§ 33-59-16. Fraudulent Life Settlement Acts Prohibited; Criminal and Civil Penalties; Revocation of License

  It is a violation of this chapter for any person, provider, life settlement broker, or any other party related to the business of life settlements to commit a fraudulent life settlement act.   For criminal liability purposes, a person that commits a fraudulent life settlement act shall be guilty of committing insurance fraud and shall be guilty of a felony and, upon conviction, shall be punished by imprisonment for not less than two nor more than ten years, or by a fine of not more than $10,000.00, or both.   The Commissioner shall be empowered to levy a civil penalty:   Not exceeding $1,000.00 for each and every act in violation of this chapter or, if the person knew or reasonably should have known the acts that he or she committed were in violation of this chapter, the monetary penalty provided for in this subsection may be increased to an amount up to $5,000.00 for each and every act in violation; and   The amount of the claim for each violation upon any person, including those persons and their employees licensed pursuant to this chapter, who is found to have committed a fraudulent life settlement act or violated any other provision of this chapter.     The license of a person licensed under this chapter that commits a fraudulent life settlement act shall be revoked for a period of at least one year.     (Code 1981, §33-59-16, enacted by Ga. L. 2009, p. 370, § 1/SB 61.)   Editor's notes.   - Former Code Section33-59-16 (Code 1981, § 33-59-16, enacted by Ga. L. 2005, p. 998, § 1/SB 217; Ga. L. 2008, p. 381, § 10/SB 358), relating to compliance with security laws, was repealed by Ga. L. 2009, p. 370, § 1/SB 61, effective July 1, 2009.
GA Code § 33-59-17 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 59 - Life Settlements|§ 33-59-17. Unfair Trade Practice

 A violation of this chapter shall be considered an unfair trade practice pursuant to state law and subject to the penalties provided by state law.    (Code 1981, §33-59-14, enacted by Ga. L. 2005, p. 998, § 1/SB 217; Code 1981, §33-59-17, as redesignated by Ga. L. 2009, p. 370, § 1/SB 61.)   Editor's notes.   - Ga. L. 2009, p. 370, § 1/SB 61, effective July 1, 2009, redesignated former Code Section 33-59-17 as Code Section 33-59-18 (now repealed).
GA Code § 33-59-18 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 59 - Life Settlements|§ 33-59-18. Transacting Business Permitted While the Provider's License Application Is Pending

 Repealed by Ga. L. 2019, p. 533, § 1-25/HB 99, effective July 1, 2019.   Editor's notes.   - Ga. L. 2020, p. 493, § 33/SB 429, effective July 29, 2020, part of an Act to revise, modernize, and correct the Code, deleted the reservation of this Code section.
GA Code § 33-59A-1 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 59A - Interstate Insurance Product Regulation Compact|§ 33-59A-1. Compact Enacted and Entered Into by the State of Georgia; Text of Compact

 The Interstate Insurance Product Regulation Compact is enacted into law and entered into by this state with all other jurisdictions legally joining therein in the form substantially as follows:   Code Commission notes.   - Pursuant to Code Section 28-9-5, in 2006, Code Section 33-59-1, as enacted by Ga. L. 2006, p. 1033, § 1/SB 384, was redesignated as Code Section 33-59A-1.
GA Code § 33-59A-2 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 59A - Interstate Insurance Product Regulation Compact|§ 33-59A-2. Membership on Interstate Insurance Product Regulation Commission; Commissioner of Insurance to Be State's Representative

 Pursuant to terms and conditions of this chapter, the State of Georgia seeks to join with other states and establish the Interstate Insurance Product Regulation Compact, and thus become a member of the Interstate Insurance Product Regulation Commission. The Commissioner of Insurance is hereby designated to serve as the representative of the State of Georgia to the commission.    (Code 1981, §33-59A-2, enacted by Ga. L. 2006, p. 1033, § 1/SB 384; Ga. L. 2007, p. 47, § 33/SB 103.)   Code Commission notes.   - Pursuant to Code Section 28-9-5, in 2006, Code Section 33-59-2, as enacted by Ga. L. 2006, p. 1033, § 1/SB 384, was redesignated as Code Section 33-59A-2.
GA Code § 33-60-1 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 60 - Small Business Employee Choice of Benefits Health Insurance Plan Act|§ 33-60-1. Short Title

 This chapter shall be known and may be cited as the "Small Business Employee Choice of Benefits Health Insurance Plan Act."    (Code 1981, §33-60-1, enacted by Ga. L. 2005, p. 1229, § 1/SB 174.)
GA Code § 33-60-2 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 60 - Small Business Employee Choice of Benefits Health Insurance Plan Act|§ 33-60-2. Legislative Intent

 The General Assembly recognizes the need for employers and individuals in this state to have the opportunity to choose among group and individual health insurance plans that are more affordable and flexible than standard market policies of accident and sickness insurance and the need to increase the availability of health insurance coverage by authorizing the transaction of this type of plan or policy by accident and sickness insurers licensed to transact business in this state. This chapter shall require insurers which provide major medical coverage to offer policies that contain all state mandated health benefits as well as policies that contain the limited selection of state mandated health benefits set forth in Code Section 33-60-3; provided, however, that employees in group plans or individuals may choose pursuant to this chapter among new health insurance plans offered by insurers that either include all state mandated health benefits or include the limited state mandated health benefits set forth in Code Section 33-60-3.    (Code 1981, §33-60-2, enacted by Ga. L. 2005, p. 1229, § 1/SB 174; Ga. L. 2019, p. 533, § 1-26/HB 99.)    The 2019 amendment,  effective July 1, 2019, deleted ", on and after July 1, 2005," following "however, that" in the proviso of the second sentence.   Code Commission notes.   - Pursuant to Code Section 28-9-5, in 2005, "Code Section 33-60-3" was substituted for "Code Section 33-59-3" twice in the last sentence of this Code section.
GA Code § 33-60-3 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 60 - Small Business Employee Choice of Benefits Health Insurance Plan Act|§ 33-60-3. Definitions

 As used in this chapter, the term:    "Alternative health benefit plan" means a group or individual health benefit plan that contains:   Major medical benefits;   Standard provisions or rights required to be present in an individual, blanket, or group policy or contract for accident and sickness insurance pursuant to state law or regulations unrelated to specific health illnesses, injuries, or conditions of the insured, including, but not limited to, those related to continuation of coverage in Code Section 33-24-21.1, Code Section 33-24-21.2, paragraph (4) of Code Section 33-30-4, and paragraph (8) of subsection (b) of Code Section 33-30-6; entitlement to conversion privileges in Code Section 33-24-21.1; termination of coverage in Code Sections 33-24-21 and 33-24-28; and coverage of newly born or adopted children in Code Section 33-24-22; and   Coverage of testing for chlamydia in Code Section 31-17-4.1; coverage for complications of pregnancy in Code Section 33-24-24; coverage for general anesthesia and related hospital and outpatient facility charges for dental care for persons who are developmentally disabled, seven or younger, neurologically impaired, or suffering severe face or head trauma in Code Section 33-24-28.4; surveillance tests for ovarian cancer in Code Section 33-24-56.2; colorectal cancer screening and testing in Code Section 33-24-56.3; coverage for hospital stays after delivery in Code Section 33-24-58.2; direct access to obstetricians and gynecologists in Code Section 33-24-59; treatment of dependent children with cancer in Code Section 33-24-59.1; coverage for equipment and self-management training for individuals with diabetes in Code Section 33-24-59.2; coverage for prescribed female contraceptive drugs or devices in Code Section 33-24-59.6, provided that nothing contained in this paragraph shall be construed to require any insurance company to provide coverage for abortion; coverage for prescription inhalers in Code Section 33-24-59.8; coverage for autism in Code Section 33-24-59.10; coverage for mastectomy and lymph node dissection in Code Section 33-24-72; coverage for mammograms, Pap smears, and screening for prostate cancer in Code Sections 33-29-3.2 and 33-30-4.2; provisions concerning mail-order pharmaceuticals in Code Section 33-30-4.3; and coverage for child wellness exams in Code Sections 33-29-3.4 and 33-30-4.5.     "Group" means any employer group of 50 employees or less.   "Insurer" means any insurer or nonprofit organization authorized to sell accident and sickness policies, subscriber contracts, certificates, or agreements of any form under Chapters 15, 20, 21, 29, and 30 of this title.     (Code 1981, §33-60-3, enacted by Ga. L. 2005, p. 1229, § 1/SB 174; Ga. L. 2013, p. 141, § 33/HB 79; Ga. L. 2019, p. 533, § 1-27/HB 99.)    The 2019 amendment,  effective July 1, 2019, deleted "18, 19," following "15," in paragraph (3).
GA Code § 33-60-4 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 60 - Small Business Employee Choice of Benefits Health Insurance Plan Act|§ 33-60-4. Requirements for Insurers and Employers; Sale by Health Maintenance Organizations Permitted; Purchase of Additional Coverage Permitted

  Notwithstanding any other provision of law:   Any insurer authorized to transact business in this state offering group accident and sickness policies or contracts shall be required to offer, through a licensed agent or agency, a group health benefit plan that contains all state mandated health benefits and may offer a group alternative health benefit plan as defined in this chapter; and   Any insurer authorized to transact business in this state offering individual accident and sickness policies or contracts shall be required to offer, through a licensed agent or agency, an individual health benefit plan that contains all state mandated health benefits and may offer an individual alternative health benefit plan as defined in this chapter.     An employer who chooses to offer group health benefit plans to its employees shall offer to each eligible employee a group health benefit plan that contains all state mandated health benefits and may offer to each eligible employee a group alternative health benefit plan as defined in this chapter.   The provisions of Chapter 21 of this title shall not be deemed to prohibit licensees thereunder from selling the policies provided for in this Code section.   The purchase of an accident and sickness policy or contract under this Code section shall not preclude the purchaser from purchasing additional limited benefit insurance policies or contracts.     (Code 1981, §33-60-4, enacted by Ga. L. 2005, p. 1229, § 1/SB 174; Ga. L. 2019, p. 533, § 1-28/HB 99.)    The 2019 amendment,  effective July 1, 2019, deleted "and on and after July 1, 2005" following "law" at the end of subsection (a); and substituted "An" for "On and after July 1, 2005, an" at the beginning of subsection (b).
GA Code § 33-60-5 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 60 - Small Business Employee Choice of Benefits Health Insurance Plan Act|§ 33-60-5. Required Notice and Acknowledgement

  In each sale of an alternative health benefit plan, the insurer shall provide to each proposed individual group member or individual policyholder a notice and an acknowledgment at the beginning of the application for the alternative health benefit plan containing the following language in boldface type:  "You have the option to choose this Small Business Employee Choice of Benefits Health Insurance Plan which does not provide all of the state mandated health benefits normally required in accident and sickness insurance policies in Georgia. This health benefits plan may provide a more affordable health insurance policy for you, although, at the same time, it may provide you with fewer health benefits than those normally included as state mandated health benefits in policies in Georgia. If you choose this option, please consult with your insurance agent to discover which state mandated health benefits are excluded in this policy."    An acknowledgment separate from the notice and application provided for in subsection (a) of this Code section shall be provided to and completed by each individual policyholder or individual group member. Such acknowledgment shall contain a comparison of the benefits contained in each of the health benefit plan options being offered to the individual policyholder or individual group member. In the case of group health benefit plans being offered by an employer, a copy of the acknowledgment for each individual group member shall be maintained by the employer.     (Code 1981, §33-60-5, enacted by Ga. L. 2005, p. 1229, § 1/SB 174; Ga. L. 2019, p. 533, § 1-29/HB 99.)    The 2019 amendment,  effective July 1, 2019, deleted the former third sentence of subsection (b), which read: "The Commissioner shall promulgate such rules and regulations as he or she deems necessary to implement this subsection including rules and regulations concerning the form and contents of such acknowledgment."
GA Code § 33-60-6 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 60 - Small Business Employee Choice of Benefits Health Insurance Plan Act|§ 33-60-6. Authority of the Commissioner With Respect to This Chapter

 Repealed by Ga. L. 2019, p. 533, § 1-30/HB 99, effective July 1, 2019.   Editor's notes.   - Ga. L. 2020, p. 493, § 33/SB 429, effective July 29, 2020, part of an Act to revise, modernize, and correct the Code, deleted the reservation of this Code section.
GA Code § 33-61-1 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 61 - Regulation of Automobile Clubs|§ 33-61-1. Definitions

 As used in this chapter, the term:    "Automobile club" or "club" means any person, who in consideration of fees, dues, periodic payments, or other specifically stated charges, promises its members to provide automobile club services.   "Automobile club services" shall include, but not be limited to, the assumption of or reimbursement of the expense or a portion thereof for towing of a motor vehicle, emergency road service, matters relating to the operation, use, and maintenance of a motor vehicle, and the supplying of services which includes, augments, or is incidental to theft or reward services, discount services, arrest bond services, lock and key services, trip interruption services, and legal fee reimbursement services in defense of traffic related offenses.     (Code 1981, §33-61-1, enacted by Ga. L. 2006, p. 331, § 1/HB 1291; Ga. L. 2019, p. 533, § 1-31/HB 99; Ga. L. 2020, p. 493, § 33/SB 429.)    The 2019 amendment,  effective July 1, 2019, substituted "Reserved." for the former provisions of paragraph (3), which read: " 'Commissioner' shall mean the Commissioner of Insurance of the State of Georgia."    The 2020 amendment,  effective July 29, 2020, part of an Act to revise, modernize, and correct the Code, deleted former paragraph (3) which was designated as reserved.
GA Code § 33-61-2 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 61 - Regulation of Automobile Clubs|§ 33-61-2. Automobile Club Performing Services

 An automobile club performing services as defined in this chapter shall not be subject to any laws respecting insurance companies of any class, kind, or character in this state or regulation under such laws because of performance of those services.    (Code 1981, §33-61-2, enacted by Ga. L. 2006, p. 331, § 1/HB 1291.)