reglab/housing_qa huggingface dataset:
AR Code § 23-80-204 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 80 - Insurance Policies — Simplification|Subchapter 2 - Life and Accident and Health Insurance Policy Language Simplification Act|§ 23-80-204. Applicability

 (a) This subchapter shall apply to all policies delivered or issued for delivery in this state by any company on or after the date the forms must be approved under this subchapter.  (b) However, nothing in this subchapter shall apply to:  (1) Any policy which is a security subject to federal jurisdiction;  (2)  (A) Any group policy covering a group of one thousand (1,000) or more lives at date of issue, other than a group credit life insurance policy or a group credit disability insurance policy.  (B) However, this subdivision (b)(2) shall not exempt any certificate issued pursuant to a group policy delivered or issued for delivery in this state;    (3) Any group annuity contract which serves as a funding vehicle for pension, profit-sharing, or deferred compensation plans;  (4) Any form used in connection with, as a conversion from, as an addition to, or in exchange pursuant to a contractual provision for, a policy delivered or issued for delivery on a form approved or permitted to be issued prior to the dates the forms must be approved under this subchapter; or  (5) The renewal of a policy delivered or issued for delivery prior to the dates the forms must be approved under this subchapter.    (c) No other statute of this state setting language simplification standards shall apply to any policy forms.  (d) Any non-English language policy delivered or issued for delivery in this state shall be deemed to be in compliance with § 23-80-206(a)(1) if the insurer certifies that the policy is translated from an English language policy which does comply with § 23-80-206(a)(1).
AR Code § 23-80-205 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 80 - Insurance Policies — Simplification|Subchapter 2 - Life and Accident and Health Insurance Policy Language Simplification Act|§ 23-80-205. Construction

 Nothing in this subchapter shall be construed to negate any law of this state permitting the issuance of any policy form after it has been on file for the time period specified.
AR Code § 23-80-207 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 80 - Insurance Policies — Simplification|Subchapter 2 - Life and Accident and Health Insurance Policy Language Simplification Act|§ 23-80-207. Authorization to use lower score

 The Insurance Commissioner may authorize a lower score than the Flesch reading ease score required in § 23-80-206(a)(1) whenever, in the commissioner's discretion, he or she finds that a lower score:   (1) Will provide a more accurate reflection of the readability of a policy form;  (2) Is warranted by the nature of a particular policy form or type or class of policy forms; or  (3) Is caused by certain policy language which is drafted to conform to the requirements of any state law, rule, or agency interpretation.
AR Code § 23-80-208 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 80 - Insurance Policies — Simplification|Subchapter 2 - Life and Accident and Health Insurance Policy Language Simplification Act|§ 23-80-208. Approval of forms

 A policy form meeting the requirements of § 23-80-206(a) shall be approved notwithstanding the provisions of any other laws which specify the content of policies if the policy form provides the policyholders and claimants protection not less favorable than they would be entitled to under such laws.
AR Code § 23-80-301 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 80 - Insurance Policies — Simplification|Subchapter 3 - Property and Casualty Insurance Policy Simplification Act|§ 23-80-301. Title

 This subchapter may be cited as the “Property and Casualty Insurance Policy Simplification Act”.
AR Code § 23-80-302 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 80 - Insurance Policies — Simplification|Subchapter 3 - Property and Casualty Insurance Policy Simplification Act|§ 23-80-302. Purpose

 (a) The purpose of this subchapter is to establish minimum language and format standards to make property and casualty insurance policies easier to read.  (b) This subchapter is not intended to increase the risk assumed under policies subject to it. Nor is it intended to impede flexibility and innovation in the development of policy forms or content. It does not grant authority to the Insurance Commissioner to mandate the standardization of policy forms or content.
AR Code § 23-80-303 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 80 - Insurance Policies — Simplification|Subchapter 3 - Property and Casualty Insurance Policy Simplification Act|§ 23-80-303. Definitions

 As used in this subchapter:   (1) “Casualty insurance” does not include accident and health insurance;  (2) “Commissioner” means the Insurance Commissioner; and  (3) “Policy” or “policy forms” means any written contract of property and casualty insurance delivered or issued for delivery in this state by or on behalf of any insurer licensed in this state.
AR Code § 23-80-304 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 80 - Insurance Policies — Simplification|Subchapter 3 - Property and Casualty Insurance Policy Simplification Act|§ 23-80-304. Applicability

 (a) This subchapter shall apply to all policies with effective dates on or after the implementation date established for policies under § 23-80-306(b).  (b) No other statute of this state setting simplification standards for language or format shall apply to any policy.  (c) This subchapter shall not apply to policies in manuscript form or to the following kinds of insurance:  (1) Ocean marine;  (2) Surety and financial institution bonds;  (3) Reinsurance; or  (4) Commercial aviation.    (d) Any non-English language policy shall be deemed in compliance with § 23-80-306(a) if it was translated from an English language policy which complies with § 23-80-306(a).
AR Code § 23-80-305 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 80 - Insurance Policies — Simplification|Subchapter 3 - Property and Casualty Insurance Policy Simplification Act|§ 23-80-305. Powers of commissioner

 (a) After notice and hearing, the Insurance Commissioner may issue reasonable rules implementing §§ 23-80-306 and 23-80-308.  (b) At the commissioner's sole discretion, he or she may extend any dates under this subchapter.  (c) The commissioner shall have sole authority to enforce the provisions of this subchapter or seek remedies for its violation.
AR Code § 23-80-306 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 80 - Insurance Policies — Simplification|Subchapter 3 - Property and Casualty Insurance Policy Simplification Act|§ 23-80-306. Minimum standards

 (a) All policies which, under subsection (b) of this section, must comply with this subsection shall be simplified, taking into consideration the following factors:  (1) Use of simple sentence structure and short sentences;  (2) Use of commonly understood words;  (3) Avoidance of technical legal terms whenever possible;  (4) Minimal reference to other sections or provisions of the policy;  (5) Organization of text; and  (6) Legibility.    (b)  (1)  (A) In addition to any other requirements of law, the Insurance Commissioner shall by rule specify the dates by which personal lines policies shall comply with subsection (a) of this section.  (B) The dates established by the commissioner for compliance shall not be less than eighteen (18) months nor more than thirty-six (36) months from the effective date of the rule.  (C) “Personal lines policies” are policies:  (i) Solely used to provide homeowners' insurance, dwelling fire insurance on one (1) to four (4) family units, or individual fire insurance on dwelling contents; or  (ii) Principally used to provide primary insurance on private passenger nonfleet automobiles individually owned and used for personal or family needs.      (2) In addition to any other requirements of law, the commissioner may by rules specify which policies, other than those described in subdivision (b)(1) of this section, shall comply with subsection (a) of this section. The dates, if any, established by the commissioner for compliance may not be less than forty-eight (48) months from June 17, 1981, or twenty-four (24) months from the effective date of the rule establishing the dates, whichever is later.
AR Code § 23-80-307 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 80 - Insurance Policies — Simplification|Subchapter 3 - Property and Casualty Insurance Policy Simplification Act|§ 23-80-307. Compliance with other statutorily required language

 (a) The requirements of any other laws which specify the language or content of any policy may be met by a policy complying with § 23-80-306(a).  (b) However, the policy must provide protection which, considered as a whole, is not less favorable to the insured than is required by the other laws.
AR Code § 23-80-308 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 80 - Insurance Policies — Simplification|Subchapter 3 - Property and Casualty Insurance Policy Simplification Act|§ 23-80-308. Compliance by provision of outline of coverage

 An insurer may comply with § 23-80-306(a) and § 23-80-306(b)(2) for not more than twelve (12) months following the implementation date established by the Insurance Commissioner by providing to the policyholder an outline of coverage or a brochure instead of a simplified policy. The outline or brochure shall comply with § 23-80-306(a).
AR Code § 23-80-401 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 80 - Insurance Policies — Simplification|Subchapter 4 - Prescription Drug Paperwork Simplification|§ 23-80-401. Purpose

 It is the intent of the General Assembly to improve care to patients by minimizing confusion, eliminating unnecessary paperwork, decreasing administrative burdens, and streamlining dispensing of prescription products paid for by third-party payors. This subchapter shall be construed liberally to effectuate this purpose.
AR Code § 23-80-402 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 80 - Insurance Policies — Simplification|Subchapter 4 - Prescription Drug Paperwork Simplification|§ 23-80-402. Definitions

 As used in this subchapter:   (1) “Commissioner” means the Insurance Commissioner;  (2) “Covered person” means a person on whose behalf a health benefit plan is obligated to pay benefits pursuant to the health benefit plan; and  (3) “Health benefit plan” means any individual, blanket, or group plan, policy, certificate, or contract for healthcare services issued or delivered in this state, including indemnity plans, managed care plans, plans provided or arranged by fraternal benefit societies, plans provided or arranged by health maintenance organizations, health governmental plans as defined in 29 U.S.C. § 1002(32), as in effect January 1, 2001, plans provided through a multiple employer welfare arrangement, or plans provided through another benefit arrangement, to the extent permitted by the Employee Retirement Income Security Act of 1974, as in effect January 1, 2001, or by any waiver of or other exception to that act provided under federal law or regulation, as in effect January 1, 2001.
AR Code § 23-80-403 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 80 - Insurance Policies — Simplification|Subchapter 4 - Prescription Drug Paperwork Simplification|§ 23-80-403. Exemptions

 This subchapter shall not apply to:   (1) Accidental injury insurance plans;  (2) Dental insurance plans;  (3) Vision insurance plans;  (4) Specified disease insurance plans;  (5) Disability income plans;  (6) Credit insurance plans;  (7) Insurance coverage issued as a supplement to liability insurance;  (8) Medical payments under automobile or homeowners insurance plans;  (9) Health benefit plans provided pursuant to Arkansas Constitution, Article 5, § 32, the Workers' Compensation Law, § 11-9-101 et seq., and the Public Employee Workers' Compensation Act, § 21-5-601 et seq.;  (10) Insurance under which benefits are payable with or without regard to fault and the benefits that are statutorily required to be contained in any liability policy or equivalent self-insurance; and  (11) Plans that provide only indemnity for hospital confinement.
AR Code § 23-80-404 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 80 - Insurance Policies — Simplification|Subchapter 4 - Prescription Drug Paperwork Simplification|§ 23-80-404. Uniform card requirement

 (a) Every health benefit plan that provides coverage for prescription drugs or devices and issues a card or other technology for claims processing and every administrator of such plans, including third-party administrators for self-insured plans, pharmacy benefit managers, and administrators of state plans, shall issue to all covered persons a uniform card or other technology containing uniform prescription drug information as required under this subchapter.  (b) The uniform prescription drug information card or other technology shall:  (1)  (A) Be in a format approved by the National Council for Prescription Drug Programs, in which case the card or other technology shall include all fields of information required by the council and conform to the most recent pharmacy information card or other technology implementation guide produced by the council.  (B) In the alternative, the card or other technology shall conform to a national format established in an administrative rule by the Insurance Commissioner;    (2) Include in a clear, readable, and understandable manner all information, exclusive of information provided on the prescription as required by law or regulation, that is necessary to process a claim for prescription drug benefits under the health benefit plan;  (3) Format and arrange all information on the card or other technology in a manner that corresponds both in content and format to the content and format required by the health benefit plan to process the claim for prescription drug benefits;  (4) Conform all information on the card or other technology not specified by the council to a content and format established in an administrative rule by the commissioner; and  (5) If the health benefit plan requires a conditional or situational field as defined by the council, conform the conditional or situational field to the most recent pharmacy information card or other technology implementation guide produced by the council or to a national format established in an administrative rule by the commissioner.
AR Code § 23-80-405 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 80 - Insurance Policies — Simplification|Subchapter 4 - Prescription Drug Paperwork Simplification|§ 23-80-405. Enrollment

 (a) Upon enrollment of a covered person, a health benefit plan shall issue a uniform prescription drug information card or other technology in accordance with the requirements of § 23-80-404.  (b) Upon any change in a covered person's coverage that impacts in content or format any information contained on a uniform prescription drug information card or other technology, a health benefit plan shall issue new uniform prescription drug information cards or other technology to all covered persons in accordance with the requirements of § 23-80-404.  (c)  (1) A newly issued uniform prescription drug information card or other technology shall be updated with the latest coverage information and shall conform to the standards of the National Council for Prescription Drug Programs then in effect, and to the implementation guide then in use, or a national format established in an administrative rule by the Insurance Commissioner.  (2) However, a health benefit plan may issue stickers to covered persons to update cards as may be established in an administrative rule by the commissioner.
AR Code § 23-80-406 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 80 - Insurance Policies — Simplification|Subchapter 4 - Prescription Drug Paperwork Simplification|§ 23-80-406. Required fields

 (a) This subchapter does not require a health benefit plan that provides coverage for prescription drugs or devices to issue a card or other technology separate from any identification card issued to a covered person to evidence coverage under the health benefit plan, if the card or other technology contains all of the required fields of information established by the National Council for Prescription Drug Programs, as in effect January 1, 2001, that are necessary to process a claim for prescription drug benefits under the health benefit plan.  (b) The required fields of information shall be included on the card in a substantially similar format to that established by the council, as in effect January 1, 2001, and shall be printed in a clear, readable, and understandable manner.
AR Code § 23-80-407 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 80 - Insurance Policies — Simplification|Subchapter 4 - Prescription Drug Paperwork Simplification|§ 23-80-407. Compliance date

 All prescription drug information cards or other technologies, including dual-use identification cards described in § 23-80-406, that are executed, delivered, issued, modified, extended, or renewed by a health benefit plan shall comply with the requirements of this subchapter.
AR Code § 23-80-408 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 80 - Insurance Policies — Simplification|Subchapter 4 - Prescription Drug Paperwork Simplification|§ 23-80-408. Scope of authority

 The Insurance Commissioner shall have all the powers to enforce this subchapter that are granted to the commissioner elsewhere in the Arkansas Insurance Code.
AR Code § 23-80-409 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 80 - Insurance Policies — Simplification|Subchapter 4 - Prescription Drug Paperwork Simplification|§ 23-80-409. Enabling clause

 The Insurance Commissioner shall promulgate rules necessary to implement this subchapter and shall look for guidance to the standards and implementation guides produced by the National Council for Prescription Drug Programs.
AR Code § 23-81-101 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 81 - Life Insurance Policies And Annuities|Subchapter 1 - General Provisions|§ 23-81-101. Title required

 There shall be a title on the policy briefly describing it.
AR Code § 23-81-102 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 81 - Life Insurance Policies And Annuities|Subchapter 1 - General Provisions|§ 23-81-102. Scope

 (a) This section, §§ 23-81-101, 23-81-103 — 23-81-117, 23-81-120 — 23-81-136, and the Standard Nonforfeiture Law for Life Insurance, § 23-81-201 et seq., apply to contracts of life insurance and annuities, other than reinsurance, group life insurance, group annuities, and industrial life insurance.  (b) However, the following statutes shall also apply to industrial life insurance:  (1) Section 23-81-114, excluded or restricted coverage;  (2) Section 23-81-115, limitation of liability;  (3) Section 23-81-129, incontestability after reinstatement;  (4) Section 23-81-120, prohibited policy plans; and  (5) The Standard Nonforfeiture Law for Life Insurance, § 23-81-201 et seq.
AR Code § 23-81-103 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 81 - Life Insurance Policies And Annuities|Subchapter 1 - General Provisions|§ 23-81-103. Life insurance — Standard provisions required

 (a) No policy of life insurance, other than credit life, industrial, group, and pure endowments with or without return of premiums or of premiums and interest, shall be delivered or issued for delivery in this state unless it contains in substance each of the provisions required by §§ 23-81-101 and 23-81-104 — 23-81-112.  (b) This section shall not apply to annuity contracts nor to any provision of a life insurance policy, or contract supplemental thereto, relating to disability benefits or to additional benefits in the event of death by accident or accidental means.  (c) Any of the provisions or portions thereof not applicable to single premium or term policies shall to that extent not be incorporated therein.
AR Code § 23-81-104 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 81 - Life Insurance Policies And Annuities|Subchapter 1 - General Provisions|§ 23-81-104. Life insurance — Grace period provision

 (a) There shall be a provision that a grace period of thirty (30) days, or, at the option of the insurer, of one (1) month of not less than thirty (30) days, shall be allowed within which the payment of any premium after the first may be made, during which period of grace the policy shall continue in full force.  (b) However, if a claim arises under the policy during that period of grace, the amount of any premium due or overdue may be deducted from the policy proceeds.
AR Code § 23-81-105 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 81 - Life Insurance Policies And Annuities|Subchapter 1 - General Provisions|§ 23-81-105. Life insurance — Incontestability provision

 There shall be a provision that, except for fraud in the procurement, the policy, exclusive of provisions relating to disability benefits or to additional benefits in the event of death by accident or accidental means, shall be incontestable, except for nonpayment of premiums, after it has been in force during the lifetime of the insured for a period of two (2) years from its date of issue. However, at its option, the insurer may omit from the provision the phrase “except for fraud in the procurement”.
AR Code § 23-81-106 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 81 - Life Insurance Policies And Annuities|Subchapter 1 - General Provisions|§ 23-81-106. Life insurance — Integrity of contract and alteration of contract provisions

 (a) There shall be a provision that the policy, or the policy and the application therefor if a copy of the application is endorsed upon or attached to the policy when issued, shall constitute the entire contract between the parties and that all statements contained in the application, in the absence of fraud, shall be deemed representations and not warranties.  (b) At the option of the insurer, there shall be a provision that no agent shall have the power or authority to waive, change, or alter any of the terms or conditions of any policy, except that at the option of the insurer the terms or conditions may be changed by an endorsement or rider signed by an authorized officer of the insurer.