reglab/housing_qa huggingface dataset:
CT Gen Stat § 38a-430. (Formerly Sec. 38-135a) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700b - Life Insurance, Annuities, Burial Contracts and Life Settlements|Section 38a-430. (Formerly Sec. 38-135a) - Approval of form of life insurance and annuity policies and contracts. War or military service coverage exclusion prohibited. Optional health insurance riders.

 (a) No life insurance or annuity policy or contract shall be delivered or issued for delivery to any person in this state, nor shall any application, rider or endorsement be used in connection therewith, until a copy of the form thereof shall have been filed with and approved by the commissioner. The commissioner shall adopt regulations, in accordance with the provisions of chapter 54, establishing a procedure for review of such policies and contracts. The commissioner shall issue an order disapproving the use of any such form at any time if it does not comply with the requirements of law, or if it contains a provision or provisions that are unfair or deceptive or that encourage misrepresentation of the policy. The commissioner shall specify the reason for the commissioner's disapproval. The provisions of section 38a-19 shall apply to any such order issued by the commissioner.(b) No life insurance or annuity policy or contract shall be delivered or issued for delivery to any individual in this state known to be an active member of the armed forces, as defined in section 27-103, or of the National Guard, nor shall any application, rider or endorsement be used in connection therewith, that excludes coverage if the insured's death is related to war, declared or undeclared, or any act related to military service except for an accidental death coverage such as double indemnity, which may be excluded.(c) Nothing in this chapter shall preclude the issuance of a life insurance policy or contract including, but not limited to, a long-term care policy as provided in section 38a-458, that includes an optional health insurance rider, provided the optional health insurance rider is filed with and approved by the Insurance Commissioner pursuant to section 38a-481. Any company offering such policies for sale in this state shall be licensed to sell health insurance in this state pursuant to the provisions of section 38a-41.(1967, P.A. 528; P.A. 88-326, S. 3; P.A. 96-51, S. 1; P.A. 11-19, S. 5; P.A. 13-134, S. 15; P.A. 15-70, S. 1.)History: P.A. 88-326 required the commissioner to adopt regulations establishing a procedure for policy review and rephrased existing provisions; Sec. 38-135a transferred to Sec. 38a-430 in 1991; P.A. 96-51 added Subsec. (b) to permit optional health insurance riders; P.A. 11-19 made technical changes; P.A. 13-134 made technical changes; P.A. 15-70 added new Subsec. (b) re war or military service coverage exclusion prohibition and redesignated existing Subsec. (b) as Subsec. (c).
CT Gen Stat § 38a-431. (Formerly Sec. 38-153) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700b - Life Insurance, Annuities, Burial Contracts and Life Settlements|Section 38a-431. (Formerly Sec. 38-153) - Group insurance.

 Any life insurance company may issue life or endowment insurance, with or without annuities, upon the group plan, as defined by the commissioner, with special rates of premiums less than the usual rates of premiums for such policies. All policies of group insurance shall be segregated by the company into a separate class and the mortality experience kept separate. The number of policies, amount of insurance, reserves, premiums and payments to policyholders thereunder, together with the mortality table and interest assumption adopted by the company, shall be reported separately in the company's annual financial statement.(1949 Rev., S. 6143; 1951, S. 2828d; P.A. 78-312, S. 6.)History: P.A. 78-312 deleted provision which had allowed companies to value policies “on such tables of mortality and interest assumptions as may be approved by the commissioner”; Sec. 38-153 transferred to Sec. 38a-431 in 1991.
CT Gen Stat § 38a-432. (Formerly Sec. 38-154) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700b - Life Insurance, Annuities, Burial Contracts and Life Settlements|Section 38a-432. (Formerly Sec. 38-154) - Annuities.

 Any domestic insurance company empowered to make contracts contingent upon life may grant and issue annuities either in connection with or separate from contracts of insurance predicated upon life risks.(1949 Rev., S. 6144.)History: Sec. 38-154 transferred to Sec. 38a-432 in 1991.Annotation to former section 38-154:Amount of benefit implies amount in dollars. 144 C. 346.
CT Gen Stat § 38a-432a (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700b - Life Insurance, Annuities, Burial Contracts and Life Settlements|Section 38a-432a - Regulations concerning consumer annuity transactions.

 The Insurance Commissioner shall adopt regulations, in accordance with chapter 54, to establish (1) standards for the sale or exchange of annuities, as defined in section 38a-1, to consumers, and (2) procedures for making recommendations to consumers regarding the sale or exchange of an annuity.(P.A. 05-57, S. 1; P.A. 08-147, S. 13.)History: P.A. 05-57 effective June 2, 2005; P.A. 08-147 made a technical change and deleted provisions re senior consumers, effective June 12, 2008.
CT Gen Stat § 38a-432b (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700b - Life Insurance, Annuities, Burial Contracts and Life Settlements|Section 38a-432b - Regulations concerning solicitation and sale of life insurance and annuities to senior citizens. Disciplinary action.

 (a) The Insurance Commissioner shall adopt regulations, in accordance with the provisions of chapter 54, to (1) prevent misleading and fraudulent marketing practices with respect to the solicitation and sale of life insurance or annuities sold to senior citizens, and (2) set standards for the use of senior-specific certification and professional designations used in the solicitation and sale of such life insurance and annuities.(b) Any person who violates the regulations adopted pursuant to subsection (a) of this section shall be subject to disciplinary action in accordance with the provisions of section 38a-774.(P.A. 09-174, S. 2.)History: P.A. 09-174 effective July 1, 2009.
CT Gen Stat § 38a-434. (Formerly Sec. 38-155) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700b - Life Insurance, Annuities, Burial Contracts and Life Settlements|Section 38a-434. (Formerly Sec. 38-155) - Insurance against accident and disease.

 Any domestic insurance company empowered to make contracts contingent upon life may issue policies or certificates insuring persons against loss of life or personal injury resulting from any cause and against loss of time resulting from disease, which policies or certificates shall state on their face the agreement with the persons receiving the same, and, when executed in accordance with the charter and bylaws of such company, shall be binding upon the company.(1949 Rev., S. 6145.)History: Sec. 38-155 transferred to Sec. 38a-434 in 1991.
CT Gen Stat § 38a-435. (Formerly Sec. 38-147a) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700b - Life Insurance, Annuities, Burial Contracts and Life Settlements|Section 38a-435. (Formerly Sec. 38-147a) - Regulations re replacement of or borrowing on life insurance products, policies or contracts.

 The Insurance Commissioner may make regulations governing the sale or offer of sale of life insurance products, including annuities, when such sale or offer involves the replacement of existing policies or contracts or the borrowing on or lapsing of such existing policies or contracts. Such regulations may prescribe (1) the form in which such offer or proposal should be made; (2) the form of notice to the insurance companies involved; (3) the questions to be contained in application forms for life insurance products pertaining to existing insurance; and (4) the form of notice to the purchaser. The commissioner may suspend or revoke the license of any insurance producer violating any such regulation.(1963, P.A. 554; P.A. 77-614, S. 163, 610; P.A. 80-482, S. 296, 348; P.A. 94-39, S. 3; P.A. 96-193, S. 12, 36; P.A. 13-134, S. 16.)History: P.A. 77-614 placed insurance commissioner within the department of business regulation and made insurance department a division within that department, effective January 1, 1979; P.A. 80-482 restored insurance commissioner and division to prior independent status and abolished the department of business regulation; Sec. 38-147a transferred to Sec. 38a-435 in 1991; P.A. 94-39 made references to life insurance products including annuities and added reference to “life insurance contracts”; P.A. 96-193 substituted “producer” for “agent or broker”, effective June 3, 1996; P.A. 13-134 made technical changes.
CT Gen Stat § 38a-436. (Formerly Sec. 38-157a) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700b - Life Insurance, Annuities, Burial Contracts and Life Settlements|Section 38a-436. (Formerly Sec. 38-157a) - Notice of voidability of individual insurance contracts. Procedure. Time limit.

 Every individual life insurance policy delivered or issued for delivery to any person in this state shall have printed thereon or attached thereto a notice stating, in substance, that the policy may be returned by the applicant for cancellation by delivering or mailing the policy to the insurer or to the insurance agent through whom it was effected, at any time within ten days after receipt of the policy by the applicant, and that upon the delivery or mailing the policy shall be void ab initio.(P.A. 75-546; P.A. 90-243, S. 62.)History: P.A. 90-243 made technical changes for statutory consistency; Sec. 38-157a transferred to Sec. 38a-436 in 1991.
CT Gen Stat § 38a-436a (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700b - Life Insurance, Annuities, Burial Contracts and Life Settlements|Section 38a-436a - Designation of third party to receive cancellation notices of individual life insurance policies.

 (a) Each insurer that delivers or issues for delivery an individual life insurance policy in this state on or after January 1, 2015, 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 document 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.(P.A. 14-108, S. 1.)History: P.A. 14-108 effective January 1, 2015.
CT Gen Stat § 38a-437. (Formerly Sec. 38-158) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700b - Life Insurance, Annuities, Burial Contracts and Life Settlements|Section 38a-437. (Formerly Sec. 38-158) - Copy of application to be furnished.

 (a) Each person within this state holding a policy of insurance issued by a life insurance company doing business in this state shall be furnished by the company with a copy of the application upon which the policy was issued, upon demand made for such copy by the policyholder, or by any person upon whose life the policy was issued.(b) If the company fails for thirty days from the time of the demand to furnish to the person making the demand a copy of the application, the company shall be forever barred from setting up, by way of defense to any suit on the policy of insurance, any error, incorrectness, fraud or misrepresentation of that person, or any mistake therein; and the application shall thereafter be taken and held, so far as the application may affect any claim under the policy, or any fund secured thereby, to be in all respects true and correct.(1949 Rev., S. 6148; P.A. 90-243, S. 63.)History: P.A. 90-243 divided the section into Subsecs. and made technical changes for statutory consistency; Sec. 38-158 transferred to Sec. 38a-437 in 1991.
CT Gen Stat § 38a-438. (Formerly Sec. 38-130b) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700b - Life Insurance, Annuities, Burial Contracts and Life Settlements|Section 38a-438. (Formerly Sec. 38-130b) - Short title: Standard Nonforfeiture Law.

 Sections 38a-438 to 38a-440, inclusive, shall be known as the “Standard Nonforfeiture Law”.(P.A. 78-312, S. 1 P.A. 91-175, S. 3.)History: Sec. 38-130b transferred to Sec. 38a-438 in 1991; P.A. 91-175 deleted the reference to the Standard Valuation Law.See Secs. 38a-77, 38a-78 and 38a-78a re Standard Valuation Law.
CT Gen Stat § 38a-441. (Formerly Sec. 38-159c) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700b - Life Insurance, Annuities, Burial Contracts and Life Settlements|Section 38a-441. (Formerly Sec. 38-159c) - Notice to insured when life insurance policy paid up.

 Any insurance company doing the business of life insurance in this state which writes an individual life insurance policy delivered or issued for delivery in this state shall provide notice when such policy is fully paid up. Such notice shall be in writing and shall be sent or delivered by the insurer to the owner of the policy at the last-known address of the owner during the year in which the date such final payment is received by the insurer occurs, or within thirty-one days of such date if later. Each five years thereafter, written notice shall be so sent or delivered to the owner of the policy providing notice of the current status of such policy. The provisions of this section shall not apply to the purchase of a single premium life insurance policy, a universal life insurance policy, or to the purchase of paid-up additions under a participating life insurance policy.(P.A. 87-164.)History: Sec. 38-159c transferred to Sec. 38a-441 in 1991.
CT Gen Stat § 38a-442. (Formerly Sec. 38-156) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700b - Life Insurance, Annuities, Burial Contracts and Life Settlements|Section 38a-442. (Formerly Sec. 38-156) - Dating back of policies prohibited.

 No policy of life insurance shall be issued or delivered in this state if it purports to be issued or to take effect as of a date more than six months before the application for the insurance was made if thereby the applicant would rate at an age younger than at the date when the application was made according to his age at nearest birthday.(1949 Rev., S. 6146; 1951, S. 2829d.)History: Sec. 38-156 transferred to Sec. 38a-442 in 1991.
CT Gen Stat § 38a-443. (Formerly Sec. 38-147) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700b - Life Insurance, Annuities, Burial Contracts and Life Settlements|Section 38a-443. (Formerly Sec. 38-147) - Premium notes.

 A company may take premium notes, or give credit for part of its premiums, in accordance with its usual course of business.(1949 Rev., S. 6173.)History: Sec. 38-147 transferred to Sec. 38a-443 in 1991.Annotation to former section 38-147:Cited. 74 C. 353.
CT Gen Stat § 38a-445. (Formerly Sec. 38-160) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700b - Life Insurance, Annuities, Burial Contracts and Life Settlements|Section 38a-445. (Formerly Sec. 38-160) - Deferring the granting of loans and surrender values.

 No policy of life or endowment insurance shall be issued or delivered in this state unless it contains a provision that the company may, at its option, defer the granting of any loan other than to pay premiums on policies in the company, and may, at its option, defer the granting of any surrender value for a period which shall be stated in such provision and which shall be not less than sixty days from the date of the application for such loan or surrender value; provided a foreign or alien insurance company may issue in this state any policy containing provisions required by the laws of its own state or country respecting the deferring of loans or granting surrender values, and a domestic insurance company may issue in other states policies which contain provisions relating to the deferring of loans or granting surrender values required by the laws of such states.(1949 Rev., S. 6169; P.A. 90-243, S. 64.)History: P.A. 90-243 substituted “foreign” for “nonresident” insurance companies and “alien” for “foreign” insurance companies; Sec. 38-160 transferred to Sec. 38a-445 in 1991.
CT Gen Stat § 38a-446. (Formerly Sec. 38-149) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700b - Life Insurance, Annuities, Burial Contracts and Life Settlements|Section 38a-446. (Formerly Sec. 38-149) - Discrimination in favor of individuals prohibited.

 No life insurance company doing business in this state shall make or permit any distinction or discrimination in favor of individuals between insurants of the same class and expectation of life in the amount or payment of premiums or rates charged for policies of life or endowment insurance, or in the dividends or other benefits payable thereon, or in any other of the terms and conditions of the contracts it makes; nor shall any such company or any producer or other person make any contract of insurance or agreement as to such contract other than is plainly expressed in the policy issued thereon.(1949 Rev., S. 6139; P.A. 96-193, S. 13, 36.)History: Sec. 38-149 transferred to Sec. 38a-446 in 1991; P.A. 96-193 substituted “producer” for “agent, subagent, broker”, effective June 3, 1996.See Sec. 38a-488 re prohibition against discrimination between individuals of same class with respect to premiums or rates charged.See Sec. 38a-816 re unfair practices.See Sec. 38a-825 re prohibition against premium rebate or other special favor.
CT Gen Stat § 38a-447. (Formerly Sec. 38-150) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700b - Life Insurance, Annuities, Burial Contracts and Life Settlements|Section 38a-447. (Formerly Sec. 38-150) - Discrimination against persons on the basis of race prohibited.

 No life insurance company doing business in this state may: (1) Make any distinction or discrimination between persons on the basis of race, as to the premiums or rates charged for policies upon the lives of such persons; (2) demand or require greater premiums from persons of one race than such as are at that time required by that company from persons of another race of the same age, sex, general condition of health and hope of longevity; or (3) make or require any rebate, diminution or discount on the basis of race upon the sum to be paid on any policy in case of the death of any person insured, nor insert in the policy any condition, nor make any stipulation whereby such person insured shall bind himself, his heirs, executors, administrators or assigns to accept any sum less than the full value or amount of such policy, in case of a claim accruing thereon by reason of the death of such person insured, other than such as are imposed upon all persons in similar cases; and each such stipulation or condition so made or inserted shall be void.(1949 Rev., S. 6140; P.A. 90-243, S. 170.)History: P.A. 90-243 divided the section into Subsecs., substituted “may” for “shall” and deleted references to specific groups and inserted a general prohibition against discrimination; Sec. 38-150 transferred to Sec. 38a-447 in 1991.
CT Gen Stat § 38a-447a (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700b - Life Insurance, Annuities, Burial Contracts and Life Settlements|Section 38a-447a - Exclusion of coverage on the basis of naloxone prescription prohibited.

 Notwithstanding any provision of the general statutes, no life insurance or annuity policy or contract shall be delivered, issued for delivery, renewed or continued in this state that excludes coverage solely on the basis of receipt of a prescription for naloxone, commonly referred to as an opioid antagonist, or any naloxone biosimilar or naloxone generic, nor shall any application, rider or endorsement to such policy or contract be used in connection therewith that excludes coverage solely on the basis of receipt of such a prescription, biosimilar or generic.(P.A. 19-191, S. 5.)
CT Gen Stat § 38a-450. (Formerly Sec. 38-159) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700b - Life Insurance, Annuities, Burial Contracts and Life Settlements|Section 38a-450. (Formerly Sec. 38-159) - Certain corporations and associations may be made beneficiaries.

 Any life insurance company doing business within the state may issue policies of insurance predicated upon the life or lives of any person or persons, payable at maturity to any educational, ecclesiastical, benevolent, charitable or eleemosynary corporation which can legally take and receive testamentary legacies, irrespective of a financial interest on the part of such corporation in the life of the person or persons insured.(1949 Rev., S. 6149.)History: Sec. 38-159 transferred to Sec. 38a-450 in 1991.
CT Gen Stat § 38a-451. (Formerly Sec. 38-159a) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700b - Life Insurance, Annuities, Burial Contracts and Life Settlements|Section 38a-451. (Formerly Sec. 38-159a) - Trustee as beneficiary of policy.

 (a) Unless prohibited by the policy there may be designated, as beneficiary of any policy issued by any life insurance company, the trustee of a trust to be created in and by the last will of the insured or in and by an inter vivos trust. Such designation may direct payment to such trustee as may qualify and be appointed for such trust. Upon the death of the insured and the qualification of the trustee of such testamentary or inter vivos trust, such life insurance company shall pay to such trustee the proceeds of the policy and other sums, if any, due the beneficiary thereunder. If (1) the insured dies intestate, or (2) no inter vivos trust is created or no such trust is created in the will of the insured duly admitted to probate, or (3) if such trust is so created but no trustee thereof qualifies as such within one year after the death of the insured or if the inter vivos trust has been terminated, such life insurance company shall pay such proceeds and other sums, if any, to such contingent beneficiary, if any, as may have been designated for that one of such contingencies (1), (2) or (3) as has occurred, and, if none was so designated, to the executors or administrators of the insured.(b) This section shall apply to all such designations of beneficiary by an insured dying after June 15, 1965, whether or not a trustee shall be identified by name in the policy.(February, 1965, P.A. 230, S. 1, 2.)History: Sec. 38-159a transferred to Sec. 38a-451 in 1991.