reglab/housing_qa huggingface dataset:
RI Gen L § 27-4-22 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4 - Life Insurance Policies and Reserves|Section 27-4-22 - Assignment of interest under group life insurance.

§ 27-4-22. Assignment of interest under group life insurance.Subject to the terms of the policy relating to assignment of incidents of ownership under the policy, a person whose life is insured under a policy of group life insurance may assign any or all incidents of ownership granted that person under the policy, including but not limited to any right to designate a beneficiary, to have an individual policy issued to him or her, and to pay premiums. Any assignment by the insured shall be valid for the purpose of vesting in the assignee, in accordance with any provisions included in the policy as to the time at which it is to be effective, all of the incident of ownership assigned, but without prejudice to the insurer on account of any payment it may make or individual policy it may issue without notice of the assignment.History of Section.P.L. 1970, ch. 210, § 1; P.L. 2002, ch. 292, § 12.
RI Gen L § 27-4-23 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4 - Life Insurance Policies and Reserves|Section 27-4-23 - Rules and regulations.

§ 27-4-23. Rules and regulations.The insurance commissioner shall make reasonable rules and regulations necessary to effect the purposes of this chapter.History of Section.P.L. 1971, ch. 269.
RI Gen L § 27-4-24 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4 - Life Insurance Policies and Reserves|Section 27-4-24 - Filing of life insurance policy forms.

§ 27-4-24. Filing of life insurance policy forms.(a) Any insurance company authorized to do a life insurance and/or annuities business within this state in accordance with the provisions of this title shall file all life insurance policy forms and annuity contract forms used by it in the state with the insurance commissioner. The commissioner may also require any company to file the forms of any rider, endorsement, application blank, and other matter generally used or incorporated by reference in its policies or contracts of insurance or annuities. Any organization, bureau, or association of which the company is a member may, on behalf of the company, make the filings required by this section. If the commissioner finds from an examination of any form filed that it is contrary to the public interest, he or she shall forbid the use of the form, and shall notify the company in writing as provided in § 27-4-24.2.(b) Alternatively, a carrier may obtain authorization to use a life insurance policy form or annuity contract by obtaining authorization through the Interstate Insurance Product Compact Commission provided in chapter 2.5 of this title, provided that:(1) The state of Rhode Island has not "opted out" of the compact with regard to the line in question; and(2) The appropriate filing fee, as set forth in § 42-14-18 and the regulations thereunder, has been paid.History of Section.P.L. 1973, ch. 264, § 1; P.L. 1994, ch. 404, § 7; P.L. 2005, ch. 173, § 2.
RI Gen L § 27-4-24.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4 - Life Insurance Policies and Reserves|Section 27-4-24.1 - Waiting period - Effective date of filings.

§ 27-4-24.1. Waiting period — Effective date of filings.(a) Each filing shall be on file for a waiting period of thirty (30) days before it becomes effective, which period may be extended by the commissioner for an additional period not to exceed thirty (30) days if the commissioner gives written notice within the waiting period to the insurer or organization which made the filing that he or she needs additional time for the consideration of the filing. Upon written application by the insurer or organization, the commissioner may authorize a filing that he or she has reviewed to become effective before the expiration of the waiting period or any extension. A filing shall be deemed to meet the requirements of this chapter and to become effective unless disapproved by the commissioner, as provided in this chapter, within the waiting period or any extension.(b) Section (a) above does not apply to filings made through the Interstate Insurance Product Commission pursuant to chapter 2.5 of this title.History of Section.P.L. 1973, ch. 264, § 1; P.L. 2005, ch. 173, § 2.
RI Gen L § 27-4-24.2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4 - Life Insurance Policies and Reserves|Section 27-4-24.2 - Notice of disapproval.

§ 27-4-24.2. Notice of disapproval.If within the waiting period or any extension of it as provided in § 27-4-24.1 the commissioner finds that a filing does not meet the requirements of this chapter, the commissioner shall send to the insurer or organization which made that filing written notice of disapproval of that filing specifying in the notice in what respects he or she finds that filing fails to meet the requirements of this chapter and stating that that filing shall not become effective.History of Section.P.L. 1973, ch. 264, § 1.
RI Gen L § 27-4-24.3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4 - Life Insurance Policies and Reserves|Section 27-4-24.3 - Suspension or revocation of licenses.

§ 27-4-24.3. Suspension or revocation of licenses.(a) The commissioner may revoke or suspend the license of any organization or insurer which fails to comply with an order of the commissioner within the time limited by the order, or any extension of it which the commissioner may grant. The commissioner shall not revoke or suspend the license of any organization or insurer for failure to comply with an order until the time prescribed for an appeal has expired or, if an appeal has been taken, until the order has been affirmed.(b) The commissioner may determine when a suspension of license shall become effective, and it shall remain in effect for the period fixed by the commissioner, unless he or she modifies or rescinds the suspension, or until the order upon which the suspension is based is modified, rescinded, or reversed.(c) No license shall be suspended or revoked except upon a written order of the commissioner, stating the commissioner's findings, made after a hearing held in accordance with § 42-35-9 upon not less than ten (10) days' written notice to the insurer or organization.History of Section.P.L. 1973, ch. 264, § 1; P.L. 2007, ch. 134, § 1; P.L. 2007, ch. 210, § 1.
RI Gen L § 27-4-24.4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4 - Life Insurance Policies and Reserves|Section 27-4-24.4 - Hearing on decisions of commissioner.

§ 27-4-24.4. Hearing on decisions of commissioner.Any organization or insurer aggrieved by any order or decision of the commissioner, or by any rule or regulation promulgated and adopted by the commissioner, may, within thirty (30) days after notice of the order or decision to the organization or insurer, make written request to the commissioner for a hearing on the order or decision. The commissioner shall provide a hearing and issue a decision in accordance with the Administrative Procedures Act, chapter 42-35.History of Section.P.L. 1973, ch. 264, § 1; P.L. 2007, ch. 134, § 1; P.L. 2007, ch. 210, § 1; P.L. 2008, ch. 475, § 4.
RI Gen L § 27-4-24.5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4 - Life Insurance Policies and Reserves|Section 27-4-24.5 - Judicial review of orders and decisions.

§ 27-4-24.5. Judicial review of orders and decisions.Any final order or decision of the commissioner, including any order made after a hearing under the provisions of § 27-4-24.3 or 27-4-24.4, shall be subject to review in accordance with the Administrative Procedures Act, chapter 42-35.History of Section.P.L. 1973, ch. 264, § 1; P.L. 2007, ch. 134, § 1; P.L. 2007, ch. 210, § 1; P.L. 2008, ch. 475, § 4.
RI Gen L § 27-4-24.6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4 - Life Insurance Policies and Reserves|Section 27-4-24.6 - Severability.

§ 27-4-24.6. Severability.If any subsection, subdivision, paragraph, sentence, or clause of this chapter is held invalid or unconstitutional, that decision shall not affect the remaining portions of the section or sections.History of Section.P.L. 1973, ch. 264, § 1; P.L. 2007, ch. 134, § 1; P.L. 2007, ch. 210, § 1.
RI Gen L § 27-4-25 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4 - Life Insurance Policies and Reserves|Section 27-4-25 - Physical exam by insurance company.

§ 27-4-25. Physical exam by insurance company.Any applicant for life insurance with any company organized or doing business within this state shall be provided, upon request, any and all medical reports by a physician or other medical personnel that were performed at the request or the direction of that company. These reports shall only be provided to a physician of the applicant's choice whether the applicant receives a rating or rejection from a company and the provisions of this section shall also apply to medical examinations performed pursuant to applications for an increase in insurance coverage.History of Section.P.L. 1981, ch. 412, § 1.
RI Gen L § 27-4-26 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4 - Life Insurance Policies and Reserves|Section 27-4-26 - Interest upon proceeds of life insurance policies.

§ 27-4-26. Interest upon proceeds of life insurance policies.An insurer of a life insurance contract or annuity contract shall pay to the beneficiary or policyholder, respectively, interest on the proceeds at the rate of nine percent (9%) per annum from the date of the death of an insured or annuitant in connection with a death claim on a life insurance policy or annuity contract and from the date of maturity of an endowment contract to the date of payment and the interest shall be added to and be a part of the total sum paid.History of Section.P.L. 1984, ch. 343, § 1; P.L. 1987, ch. 78, § 15.
RI Gen L § 27-4-28 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4 - Life Insurance Policies and Reserves|Section 27-4-28 - Discretionary clauses.

§ 27-4-28. Discretionary clauses.(a) No new or existing policy or certificate may contain any provision:(1) Purporting to reserve sole discretion to the insurance company to determine eligibility for benefits or interpret the terms of a policy or certificate; or(2) Specifying or affecting a standard of review upon which a court may review denial of a claim or any other decision made by an insurance company with respect to a policyholder or certificate holder.(b) Any such clause or language included in a contract, policy or certificate issued to or covering a resident of this state that is contrary to or inconsistent with the provisions of this section is void and unenforceable.(c) Nothing in this section prohibits an insurer from including a provision in a contract that informs an insured that as part of its routine operations the insurer applies the terms of its contracts for making decisions, including making determinations regarding eligibility, receipt of benefits and claims, or explaining policies, procedures, and processes, so long as the provision could not give rise to a deferential standard of review by any reviewing court.History of Section.P.L. 2013, ch. 85, § 1; P.L. 2013, ch. 94, § 1.
RI Gen L § 27-4-29 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4 - Life Insurance Policies and Reserves|Section 27-4-29 - Life insurance database.

§ 27-4-29. Life insurance database.(a) The department of business regulation shall maintain a central database of electronic contact information for each life insurer having policies in force in this state.(b) On and after January 1, 2013, any member of the immediate family of a decedent searching for life insurance policies covering the decedent may file a request with the department for a search pursuant to this section, provided the decedent was a resident or former resident of this state. Any such request shall include a copy of the subject decedent's death certificate. The right to file a request for a search pursuant to this section may not be assigned.(c) The department shall transmit any such request to all life insurers having policies in force in this state, along with information necessary for responding directly to the person filing the request. Each such insurer shall examine its books and records to make a determination as to the existence of coverage of the subject decedent, and upon a finding that such coverage does exist, shall directly notify the person filing the request.(d) The department may adopt such rules and regulations as may be necessary to implement the provisions of this section.(e) Insurers of credit life insurance are exempt from inclusion in the central database and shall not be subject to the requirements of § 27-4-28.History of Section.P.L. 2012, ch. 296, § 1; P.L. 2012, ch. 326, § 1.
RI Gen L § 27-4-30 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4 - Life Insurance Policies and Reserves|Section 27-4-30 - Unintentional policy lapse.

§ 27-4-30. Unintentional policy lapse.(a) Each insurer that delivers, or issues for delivery, an individual life insurance policy in this state on or after January 1, 2017, shall notify an applicant, in writing at the time of application for such policy, of such applicant's right to designate a third party to receive notice of cancellation of the policy based on nonpayment of premium. The applicant may make such designation at the time of application for such policy, or at any time such policy is in force, by submitting a written notice to the insurer containing the name and address of the third-party designee.(b) The insurer's transmission to the third-party designee of a copy of a notice of cancellation based on nonpayment of premium shall be in addition to the transmission of the original notice to the policyholder. The copy of the notice of cancellation transmitted to the third party shall be governed by the same law and policy provisions that govern the notice being transmitted to the policyholder.(c) The designation of a third party shall not constitute acceptance of any liability on the part of the third party or insurer for services provided to the policyholder.History of Section.P.L. 2016, ch. 376, § 2; P.L. 2016, ch. 392, § 2.
RI Gen L § 27-4.1-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4.1 - Legal Services Insurance|Section 27-4.1-1 - Prepaid legal services plans unaffected.

§ 27-4.1-1. Prepaid legal services plans unaffected.Nothing in this chapter shall apply to or affect a nonprofit prepaid legal services plan that operates in this state by a nonprofit prepaid legal services corporation subject to chapter 20.3 of this title.History of Section.P.L. 1986, ch. 431, § 1.
RI Gen L § 27-4.1-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4.1 - Legal Services Insurance|Section 27-4.1-2 - Legal services insurance as a form of accident and health insurance - Effect of other laws.

§ 27-4.1-2. Legal services insurance as a form of accident and health insurance — Effect of other laws.Legal services insurance provides for the mental and emotional welfare of human beings by defraying the costs of legal services; it shall be deemed to be accident and health insurance and shall be classified this way for the purposes of chapters 34.1 and 34.3 of this title. Legal services insurance may only be written pursuant to the provision of this chapter. Except to the extent expressly provided in this chapter, nothing in any other chapter of this title regulating the form, content, or provisions of accident and health insurance policies or the filing and approval of these policies including premium rates shall apply to legal services insurance policies written under and subject to the provisions of this chapter.History of Section.P.L. 1986, ch. 431, § 1; P.L. 1999, ch. 147, § 3.
RI Gen L § 27-4.1-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4.1 - Legal Services Insurance|Section 27-4.1-3 - Authority to transact business.

§ 27-4.1-3. Authority to transact business.Any insurance company incorporated by or under the laws of this state or any foreign or alien insurance company duly licensed to do business in this state may transact the business of legal services insurance, if that company is authorized to do property and casualty and/or accident and health insurance business in this state.History of Section.P.L. 1986, ch. 431, § 1.
RI Gen L § 27-4.1-4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4.1 - Legal Services Insurance|Section 27-4.1-4 - "Legal services insurance" defined.

§ 27-4.1-4. "Legal services insurance" defined."Legal services insurance" is insurance which involves the assumption of a contractual obligation to reimburse the beneficiary against or pay on behalf of the beneficiary all or a portion of his or her fees, costs, or expenses related to or arising out of services performed by or under the supervision of an attorney who is not an employee of or under the control of the insurer directly or indirectly and who is licensed to practice in the state of Rhode Island or any other state where the attorney provides these services. "Legal services insurance" may also include provisions for basic legal services rendered to the beneficiary, by telephone or mail, by one or more attorneys licensed to practice in the state of Rhode Island or any other state where the attorney provides these basic legal services none of whom are employees of or under the control of the insurer directly or indirectly. "Legal services insurance" does not include the provision of or reimbursement for legal services incidental to other insurance coverage. Beneficiaries of legal services shall not be required to select an attorney other than one of the beneficiary's own choosing except for basic legal advice rendered by telephone or mail as described in this section. Attorneys providing basic legal advice rendered by telephone or mail under legal insurance policies shall refer all beneficiaries to an attorney of the beneficiary's choice for other than basic legal services and shall be prohibited from taking any of these referrals.History of Section.P.L. 1986, ch. 431, § 1.
RI Gen L § 27-4.1-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4.1 - Legal Services Insurance|Section 27-4.1-5 - Individual and group legal services insurance.

§ 27-4.1-5. Individual and group legal services insurance.Any insurance company authorized to write legal services insurance in this state shall have the power to issue individual or group legal services insurance policies or may, by providing for the mental and emotional welfare of individuals and members of his or her family by defraying the costs of legal services, include legal services insurance in and as a part of a group accident and health insurance policy. "Group legal services insurance" is that form of voluntary legal services insurance covering not less than ten (10) employees or members, with or without their eligible dependents, written under a master policy issued to any governmental corporation, unit, agency, or department, or to any employer or association of employers, including the trustee or trustees of a fund established by an employer or association of employers, or to a labor union or other similar employee organization, including the trustees of a fund established by a labor union or employee organization. The terms "employee" and "employees" have the meaning given to each term in the policy.History of Section.P.L. 1986, ch. 431, § 1.
RI Gen L § 27-4.1-6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4.1 - Legal Services Insurance|Section 27-4.1-6 - Filing of forms and classification of risks and premiums.

§ 27-4.1-6. Filing of forms and classification of risks and premiums.No policy of legal services insurance shall be issued or delivered to any person in this state, nor shall any application, certificate of group insurance, rider, or endorsement be used in connection with the policy, until a copy of the form and of the classification of risks and premium rates pertaining to the risks have been filed with the insurance commissioner, nor until the expiration of sixty (60) days after this unless the commissioner gives written approval sooner.History of Section.P.L. 1986, ch. 431, § 1.
RI Gen L § 27-4.1-7 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4.1 - Legal Services Insurance|Section 27-4.1-7 - Disapproval of forms.

§ 27-4.1-7. Disapproval of forms.(a) The commissioner may, within sixty (60) days after the filing of any form, disapprove the form:(1) If the benefits provided in the form are unreasonable in relation to the premium charged;(2) If it contains a provision or provisions which are unjust, unfair, inequitable, misleading, deceptive, or encourage misrepresentation of the policy, or if it fails to include a provision deemed by the commissioner to be necessary for the protection of the interest of the public; or(3) If it does not comply with the requirements of the law.(b) If the commissioner notifies the insurer that has filed any form that it does not comply with the provisions of this chapter, it shall be unlawful for the insurer to issue that form or use it in connection with any policy. In that notice the commissioner shall specify the reasons for his or her disapproval and state that a hearing will be granted within twenty (20) days after a request in writing by the insurer.(c) The commissioner may for good cause exempt any group insurance policy or class of group insurance policies from the requirements of subsection (a).History of Section.P.L. 1986, ch. 431, § 1.
RI Gen L § 27-4.1-8 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4.1 - Legal Services Insurance|Section 27-4.1-8 - Hearing and use of disapproved forms.

§ 27-4.1-8. Hearing and use of disapproved forms.The commissioner may at any time, after a hearing of which not less than twenty (20) days' written notice has been given to the insurer, withdraw approval of any form on any of the grounds stated in this chapter. It shall be unlawful for the insurer to issue that form or use it in connection with any policy after the effective date of the withdrawal of approval. The notice of any hearing called under this section shall specify the matter to be considered at the hearing and any decision affirming disapproval or directing withdrawal of approval under this chapter shall be in writing and shall specify the reasons for the decision.History of Section.P.L. 1986, ch. 431, § 1.
RI Gen L § 27-4.1-9 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4.1 - Legal Services Insurance|Section 27-4.1-9 - Judicial review of actions of commissioner.

§ 27-4.1-9. Judicial review of actions of commissioner.The action of the commissioner in disapproving any policy form or withdrawing approval of any policy form shall be subject to review by the superior court for Providence and Bristol counties.History of Section.P.L. 1986, ch. 431, § 1.
RI Gen L § 27-4.1-10 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-4.1 - Legal Services Insurance|Section 27-4.1-10 - Rules and regulations.

§ 27-4.1-10. Rules and regulations.The commissioner may make reasonable rules and regulations necessary to effect the purposes of this chapter.History of Section.P.L. 1986, ch. 431, § 1.