reglab/housing_qa huggingface dataset:
AL Code § 27-17A-25 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17A - Preneed Funeral and Cemetery Act.|Article 2 - Certificate of Authority.|Section 27-17A-25 - Disposition of Funds.

Section 27-17A-25Disposition of funds. (a) All fees collected by the commissioner pursuant to this chapter shall be deposited into the State Treasury to the credit of the Insurance Department Fund. (b) All fines collected by the commissioner pursuant to this chapter shall be deposited into the State Treasury to the credit of the State General Fund. (c) The commissioner may use funds available from any source including, but not limited to, grants, appropriations, and gifts, for any purpose in the enforcement of this chapter. (Act 2002-74, p. 221, §1; Act 2014-216, p. 653, §3.)
AL Code § 27-17A-30 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17A - Preneed Funeral and Cemetery Act.|Article 3 - Funeral Merchandise and Services Trust Fund.|Section 27-17A-30 - Applicability of Article.

Section 27-17A-30Applicability of article. To comply with the trust requirement of subsection (a) of Section 27-17A-13, all certificate holders providing preneed contracts for funeral services or funeral merchandise shall be subject to this article. (Act 2002-74, p. 221, §1.)
AL Code § 27-17A-34 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17A - Preneed Funeral and Cemetery Act.|Article 3 - Funeral Merchandise and Services Trust Fund.|Section 27-17A-34 - Disbursement of Funds.

Section 27-17A-34Disbursement of funds.  (a) Disbursement of funds discharging any preneed contract for funeral services or funeral merchandise fulfilled after May 1, 2002, shall be made by the trustee to the certificate holder upon receipt by the trustee of a certification of the certificate holder that the preneed contract has been performed in whole or in part or the preneed contract has been cancelled. Before the trustee may disburse any trust funds, the certificate holder shall provide to the trustee a death certificate or other valid proof of death, a letter from the preneed contract holder cancelling the preneed contract or valid proof the contract has been cancelled in accordance with Section 27-17A-33, or valid proof the merchandise has been delivered and installed, and services have been performed. Any trustee accepting preneed contract proceeds under this article may rely upon the certification of the certificate holder accompanied by the required proof, and shall not be liable to anyone for such reliance. If the contract is only partially performed, the disbursement shall only cover that portion of the contract performed. In the event of any contract default by the contract purchaser, or in the event that the funeral merchandise or funeral service contracted for is not provided, the trustee shall return, within 30 days after its receipt of a written request therefor, 100 percent of the funds deposited into the trust on the contract and the income and accretion thereon to the certificate holder or to its assigns, subject to Section 27-17A-33. (b) For all contracts effective on or after January 1, 2015, the amount that may be withdrawn from the trust upon fulfillment or cancellation of any particular preneed contract may not exceed the amount attributable to that preneed contract in proportion to the total amount held in trust for all preneed contracts as of the date of withdrawal. For all contracts in effect before January 1, 2015, the valuation of each contract and the amount that may be withdrawn from the trust may be calculated using any valuation method that had been approved by the commissioner or the department before January 1, 2015. (Act 2002-74, p. 221, §1; Act 2014-216, p. 653, §3.)
AL Code § 27-17A-40 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17A - Preneed Funeral and Cemetery Act.|Article 4 - Cemetery Merchandise and Services Trust Fund.|Section 27-17A-40 - Applicability of Article.

Section 27-17A-40Applicability of article. To comply with the trust requirement of subsection (a) of Section 27-17A-13, all certificate holders who are cemetery authorities providing preneed contracts for cemetery services or cemetery merchandise shall be subject to this article. (Act 2002-74, p. 221, §1; Act 2014-216, p. 653, §3.)
AL Code § 27-17A-41 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17A - Preneed Funeral and Cemetery Act.|Article 4 - Cemetery Merchandise and Services Trust Fund.|Section 27-17A-41 - Trust Fund; Trustee; Interests of Purchaser; Seller.

Section 27-17A-41Trust fund; trustee; interests of purchaser; seller. (a) Any person who receives or collects any funds on account of a preneed contract in this state for cemetery services or cemetery merchandise, or both, entered into after May 1, 2002, shall have the obligation to pay over and contribute into a trust fund as hereinafter described, those amounts or proportions of the funds as hereinafter provided. (b) Whether or not the preneed contract provides for cemetery merchandise or cemetery services, or any combination thereof, the trust fund shall be referred to in this section as the Cemetery Merchandise and Services Trust Fund. (c) The trustee of the Cemetery Merchandise and Services Trust Fund shall be qualified as such within the definition of the trustee. (d) The trustee shall take title to the property conveyed to the Cemetery Merchandise and Services Trust Fund subject to this section. (e) The contract purchaser shall have no interest whatsoever in, or power whatsoever over, the funds deposited in the Cemetery Merchandise and Services Trust Fund. (f) The party contracting to deliver the cemetery merchandise or cemetery services or cash advances, whether or not a preneed provider, shall be referred to in this section as the "seller." (g) The seller shall be the beneficiary of the Cemetery Merchandise and Services Trust Fund. (Act 2002-74, p. 221, §1.)
AL Code § 27-17A-43 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17A - Preneed Funeral and Cemetery Act.|Article 4 - Cemetery Merchandise and Services Trust Fund.|Section 27-17A-43 - Cancellation of Contract; Withdrawal From Trust Fund.

Section 27-17A-43Cancellation of contract; withdrawal from trust fund.  (a) Upon cancellation of a preneed contract by mutual agreement between the seller and purchaser, or upon unilateral cancellation of a preneed contract by the seller by reason of default on the part of the purchaser, or other valid cancellation by reason of transfers to another seller or otherwise, the seller may, upon submission of a certification under oath by a responsible officer of the seller to the trustee, withdraw from the Cemetery Merchandise and Services Trust Fund and retain an amount equal to the amount of all funds contributed to the trust fund with respect to the preneed contract. Any trustee accepting preneed contract proceeds under this article may rely on the seller's certification under oath as required herein to be made, and shall not be liable to anyone for such reliance. (b) At such time as the seller undertakes to perform its obligations under a preneed contract by delivery or installation, or both, of cemetery merchandise and the provision of cemetery services and disbursement on account of cash advances, or otherwise, upon certification to the trustee under oath by a responsible officer of the seller that the obligations of the seller under the contract have been completely fulfilled, the seller may withdraw from the Cemetery Merchandise and Services Trust Fund and retain an amount equal to the current wholesale cost to the fund with respect to the preneed contract. (c) At such time as the seller has fulfilled all of its obligations under all preneed contracts with respect to which funds have been contributed to the trust fund, and certification under oath to the trustee by a responsible officer of the seller of those facts, the seller may withdraw from the trust fund and retain all of the remaining assets thereof. (Act 2002-74, p. 221, §1.)
AL Code § 27-17A-44 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17A - Preneed Funeral and Cemetery Act.|Article 4 - Cemetery Merchandise and Services Trust Fund.|Section 27-17A-44 - Rights of Seller.

Section 27-17A-44Rights of seller. If the amounts paid by the purchaser under a preneed contract for cemetery merchandise have previously been deposited in trust, the seller may withdraw the principal amount there, at such time as the cemetery merchandise is delivered or installed or, if comprised of materials designed to withstand prolonged, protected storage without deterioration, the merchandise is placed in storage with a responsible third party bonded and insured for the wholesale value thereof and evidenced by a receipt specifically identifying the item, the specific preneed contract, the location of the item, and the identity and address of the bonding and insuring parties. For purposes of this section only, caskets and alternative containers may not be held in storage by the seller or a third party storage facility prior to the death of the funeral beneficiary. (Act 2002-74, p. 221, §1; Act 2014-216, p. 653, §3.)
AL Code § 27-17A-45 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17A - Preneed Funeral and Cemetery Act.|Article 4 - Cemetery Merchandise and Services Trust Fund.|Section 27-17A-45 - Endowment Care Fund.

Section 27-17A-45Endowment care fund.  An endowment care fund and all payments or contributions to it are expressly permitted as and for charitable and eleemosynary purposes. No payment, gift, grant, bequest, or other contribution for endowment care is invalid by reason of any indefiniteness or uncertainty of the persons designated as beneficiaries in the instruments creating the fund, nor is the fund or any contributions to it invalid as violating any law against perpetuities, or the suspension of the power of alienation of title to property. (Act 2002-74, p. 221, §1.)
AL Code § 27-17A-46 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17A - Preneed Funeral and Cemetery Act.|Article 4 - Cemetery Merchandise and Services Trust Fund.|Section 27-17A-46 - Endowment Care Cemeteries.

Section 27-17A-46Endowment care cemeteries. Any cemetery now existing or hereafter established, excluding those operated by governmental agencies or religious institutions, shall be an endowment care cemetery, except those which do not charge fees. (Act 2002-74, p. 221, §1.)
AL Code § 27-17A-48 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17A - Preneed Funeral and Cemetery Act.|Article 4 - Cemetery Merchandise and Services Trust Fund.|Section 27-17A-48 - Maintenance of Records.

Section 27-17A-48Maintenance of records. (a) Each cemetery authority shall maintain at each place of business a list of the names and addresses of its owners and directors, which shall be available to the public. (b) Each cemetery authority shall maintain a record of all property owners by name and last known address with a description of merchandise and location of burial lots, crypts, or niches. A plat map shall be maintained for each cemetery location at the cemetery business office. A book or file shall be kept as to the date, location by lot, and space number of each person interred or entombed in the cemetery. A written copy of the cemetery rules and regulations shall be maintained at each location and made available to the public upon request.  (Act 2002-74, p. 221, §1.)
AL Code § 27-17A-50 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17A - Preneed Funeral and Cemetery Act.|Article 4 - Cemetery Merchandise and Services Trust Fund.|Section 27-17A-50 - Financial Interest in Asset or Business in Which Endowment Care Trust Invests, etc.; Disposition of Funds.

Section 27-17A-50Financial interest in asset or business in which endowment care trust invests, etc.; disposition of funds. (a) No cemetery authority may directly or indirectly require or direct the investment, reinvestment, or retention by a qualified trustee of any part of an endowment care trust in any asset or business in which the cemetery authority or any officer, director, owner, partner, or employee of the cemetery authority has a financial interest. Nothing contained in this subsection shall prevent the trustee, subject to the provisions regarding investment and reinvestment of the trust estate as are contained in the governing instrument creating the trust, from investing, reinvesting, or retaining any asset or business in which the cemetery authority or any officer, director, owner, partner, or employee of the cemetery authority has an insubstantial or nonmaterial financial interest, provided that the trustee, in the exercise of the trustee's discretion, deems the investment, reinvestment, or retention to be for the best interest of the trust estate. (b) The net income from the endowment care fund, to the extent that the same is distributed from the fund, shall be used exclusively for covering the costs of endowment care of the cemetery. (c) For the purposes of this section, net income does not include realized or unrealized capital gains or losses. All realized capital gains and losses shall be recorded to corpus, which is the sum of deposits made by a cemetery authority into an endowment care fund, pursuant to Section 27-17A-49, and all realized capital gains or losses. Capital gains taxes, if any, may be paid from the corpus. Unrealized capital gains and losses, if any, shall be recorded as an adjustment to the fair market value of the endowment care fund. (Act 2002-74, p. 221, §1; Act 2014-216, p. 653, §3.)
AL Code § 27-17A-51 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17A - Preneed Funeral and Cemetery Act.|Article 4 - Cemetery Merchandise and Services Trust Fund.|Section 27-17A-51 - Propriety of Expenditures; Income Payments to Cemetery Authority.

Section 27-17A-51Propriety of expenditures; income payments to cemetery authority. The trustee shall not be required to inquire into the propriety of the expenditures made by the cemetery authority in connection with endowment care of the cemetery, and it shall not be held responsible in any manner whatsoever for and on account of payments of the income from the endowment care fund made to the cemetery authority. (Act 2002-74, p. 221, §1.)
AL Code § 27-17A-52 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17A - Preneed Funeral and Cemetery Act.|Article 4 - Cemetery Merchandise and Services Trust Fund.|Section 27-17A-52 - Disclosure of Activities and Statement of Investments.

Section 27-17A-52Disclosure of activities and statement of investments. The trustee shall, not less than annually, file with the cemetery authority an account which shall include a complete disclosure of all activity since the previous account and a statement detailing fund investments. (Act 2002-74, p. 221, §1.)
AL Code § 27-17A-53 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17A - Preneed Funeral and Cemetery Act.|Article 4 - Cemetery Merchandise and Services Trust Fund.|Section 27-17A-53 - Disposal of Assets or Investments.

Section 27-17A-53Disposal of assets or investments. To the extent that any endowment care trust existing on May 1, 2002, includes investments or assets, the retention of which the trustee in the free exercise of its discretion deems not in the best interest of the trust estate, the trustee shall dispose of the investments or assets as soon as practicable without undue sacrifice to the trust estate, and in any event within two years after May 1, 2002. (Act 2002-74, p. 221, §1.)
AL Code § 27-17A-54 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17A - Preneed Funeral and Cemetery Act.|Article 4 - Cemetery Merchandise and Services Trust Fund.|Section 27-17A-54 - Annual Report.

Section 27-17A-54Annual report. An annual report of the endowment care fund shall be made to the commissioner by each cemetery authority within 90 days of the close of each calendar year. This report shall include the qualified trustee's name or names, the bond numbers if individual trustees or the name and address of the financial institution in which the fund is maintained, and the affidavit of the cemetery authority affirming compliance with this article. Prior to the sale or transfer of a cemetery, the cemetery authority shall report and document to the commissioner that the endowment care fund is currently funded in accordance with this article. (Act 2002-74, p. 221, §1.)
AL Code § 27-17A-55 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17A - Preneed Funeral and Cemetery Act.|Article 4 - Cemetery Merchandise and Services Trust Fund.|Section 27-17A-55 - Construction of Mausoleum, Etc.

Section 27-17A-55Construction of mausoleum, etc. A cemetery authority shall start construction of that section of a mausoleum or bank of below-ground crypts in which sales, contracts for sale, reservations for sale, or agreements for sale are being made, within five years after the date of the first sale or when 75 percent of the mausoleum or below-ground crypts have been sold and the purchase price has been received, whichever occurs first. The construction shall be completed within six years after the date of the first sale made. Extensions for completion, not to exceed one year, may be granted by the commissioner for good cause shown. If the units have not been completely constructed at the time of need or the time specified herein, unless otherwise specified in the preneed contract, all monies paid shall be refunded upon request, plus interest earned thereon if deposited by the cemetery authority in an escrow or trust fund, and if not so deposited in an escrow or trust fund earning interest, then plus interest in an amount equal to the interest or discount which would have been earned thereon had the funds been invested in United States Treasury Bills having a 90-day maturity. (Act 2002-74, p. 221, §1; Act 2014-216, p. 653, §3.)
AL Code § 27-17A-56 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17A - Preneed Funeral and Cemetery Act.|Article 4 - Cemetery Merchandise and Services Trust Fund.|Section 27-17A-56 - Rules and Regulations.

Section 27-17A-56Rules and regulations.  (a) Cemetery rules and regulations are adopted for the mutual protection of the cemetery owners and the owners of interment rights in the cemetery. All owners of interment rights and other persons within the cemetery shall be subject to these rules and regulations as they now exist and as they may be amended or altered by the cemetery. The cemetery authority has the right to enforce these rules and regulations. The cemetery authority expressly reserves the right, at any time and without prior notice to any owners, to adopt new rules and regulations or to amend, modify, or repeal any section, paragraph, or sentence of these rules and regulations. (b) This section shall not apply to the officers, directors, shareholders, partners, employees, agents, or representatives of a cemetery authority who intentionally commit an act of vandalism or other illegal act.  (Act 2002-74, p. 221, §1.)
AL Code § 27-17A-57 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 17A - Preneed Funeral and Cemetery Act.|Article 4 - Cemetery Merchandise and Services Trust Fund.|Section 27-17A-57 - Jurisdiction of Commissioner.

Section 27-17A-57Jurisdiction of commissioner.  The commissioner shall have the same jurisdiction over funeral establishments, funeral directors, cemetery authorities, or third party sellers who sell preneed contracts without a preneed certificate of authority as he or she has over those preneed sellers who possess a preneed certificate of authority. (Act 2014-216, p. 653, §4.)
AL Code § 27-19-1 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-1 - Applicability of Article.

Section 27-19-1Applicability of article. Nothing in this article shall apply to or affect: (1) Any policy of liability or workmen's compensation insurance, with or without supplementary expense coverage therein; (2) Any group or blanket policy; (3) Life insurance, endowment, or annuity contracts, or contracts supplemental thereto which contain only such provisions relating to disability insurance as: a. Provide additional benefits in case of death or dismemberment or loss of sight by accident; or b. Operate to safeguard such contracts against lapse or to give a special surrender value, or special benefit or an annuity in the event that the insured or annuitant becomes totally and permanently disabled, as defined by the contract or supplemental contract; (4) Reinsurance; or (5) Industrial insurance, which is disability insurance issued under policies sold on a debit basis, bearing the words "industrial policy" imprinted on the face of the policy as part of the descriptive matter, and with premiums payable monthly or more often. (Acts 1953, No. 193, p. 247, §8; Acts 1957, No. 597, p. 834; Acts 1971, No. 407, p. 707, §422.)
AL Code § 27-19-2 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 19 - Disability Insurance Policies.|Article 1 - General Provisions.|Section 27-19-2 - Scope and Format of Policy.

Section 27-19-2Scope and format of policy. No policy of disability insurance shall be delivered, or issued for delivery, to any person in this state unless it otherwise complies with this title and complies with the following: (1) The entire money and other considerations therefor shall be expressed therein; (2) The time when the insurance takes effect and terminates shall be expressed therein; (3) It shall purport to insure only one person, except that a policy may insure, originally or by subsequent amendment, upon the application of an adult member of the family, who shall be deemed the policyholder, any two or more eligible members of that family, including husband, wife, dependent children, or any children under a specified age, and any other person dependent upon the policyholder; (4) The style, arrangement, and overall appearance of the policy shall give no undue prominence to any portion of the text, and every printed portion of the text of the policy and of any endorsements or attached papers shall be plainly printed in lightfaced type of a style in general use, the size of which shall be uniform and not less than 10 point with a lower case unspaced alphabet length not less than 120 point; the "text" shall include all printed matter except the name and address of the insurer, name or title of the policy, the brief description, if any, and captions and subcaptions; (5) The exceptions and reductions of indemnity shall be set forth in the policy and, other than those contained in Sections 27-19-4 through 27-19-26, shall be printed, at the insurer's option, either included with the benefit provision to which they apply or under an appropriate caption such as "Exceptions," or "Exceptions and Reductions;" except, that if an exception or reduction specifically applies only to a particular benefit of the policy, a statement of such exception or reduction shall be included with the benefit provision to which it applies; (6) Each such form, including riders and endorsements, shall be identified by a form number in the lower left-hand corner of the first page thereof; and (7) The policy shall contain no provision purporting to make any portion of the charter, rules, constitution, or bylaws of the insurer a part of the policy unless such portion is set forth in full in the policy, except in the case of the incorporation of, or reference to, a statement of rates or classification of risks or short-rate table filed with the commissioner. (Acts 1953, No. 193, p. 247, §2; Acts 1957, No. 597, p. 834; Acts 1971, No. 407, p. 707, §423.)