reglab/housing_qa huggingface dataset:
TN Code § 56-49-112 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 49 - Tennessee Creditor-Placed Insurance Act of 1999|§ 56-49-112. Premium Remittance — Commissions

  The entire amount of the premium due from a creditor shall be remitted to the insurer or its agent in accordance with the insurer's requirements. No commissions may be paid to, or retained by, a person or entity except a licensed and appointed insurance agent.   The retention by the creditor of unearned premiums upon cancellation of the insurance without crediting to the debtor's account the amount of unearned insurance charges is prohibited.   Rebates to the creditor of a portion of the premium charged to the debtor are prohibited as are other inducements provided to the creditor by an insurer or agent. The listing of the following activities as prohibited rebates or inducements is not intended to be restrictive, and the commissioner may identify an activity as prohibited by rule, regulation or order:  Allowing insurers or agents to purchase certificates of deposit from the creditor or to maintain accounts with the creditor at less than the market interest rates and charges that the creditor applies to other customers for deposit accounts of similar amounts and duration;   Paying a commission to a person, including a creditor, who is not appropriately licensed as an agent in this state; and   Purchasing or offering to purchase certificates of deposit from or maintaining or offering to maintain deposit accounts or investment accounts with a creditor as part of a creditor-placed insurance solicitation.     Prohibited rebates or inducements do not include:  The providing of insurance tracking and other services incidental to the creditor-placed insurance program;   The paying of commissions and other compensation to a duly licensed and appointed insurance agent, whether or not affiliated with the creditor;   The paying to the creditor policyholder of group experience rated refunds or policy dividends; or   The paying to the creditor of amounts intended to reimburse the creditor for its expenses incurred incidental to the creditor-placed insurance program, such as costs of data processing, mail processing, telephone service, insurance tracking, billing, collections and related activities; provided, that these payments are calculated in a manner that does not exceed an amount reasonably estimated to equal the expenses incurred by the creditor.     An insurer that pays commissions to creditor-related agents for creditor-placed insurance that are greater than twenty percent (20%) of the net written premium shall be required to demonstrate the commissions are not unreasonably high in relation to the value of the services rendered.   Nothing contained in this section shall prohibit or restrict an insurer or agent from maintaining a demand, premium deposit or other account or accounts with a creditor for which the insurer or agent provides insurance if the accounts pay the market interest rate and charges that the creditor applies to other customers for deposit accounts of similar amounts and duration.
TN Code § 56-49-115 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 49 - Tennessee Creditor-Placed Insurance Act of 1999|§ 56-49-115. Rules and Regulations

 The commissioner is authorized to promulgate rules and regulations to effectuate the purposes of this chapter. All rules and regulations shall be promulgated in accordance with  the Uniform Administrative Procedures Act, compiled in title 4, chapter 5.
TN Code § 56-50-101 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 50 - Tennessee Viatical Settlement Act of 2009|§ 56-50-101. Scope and Short Title

 This chapter applies to life settlements as defined in this chapter and shall be known and may be cited as the “Tennessee Viatical Settlement Act of 2009.”
TN Code § 56-50-104 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 50 - Tennessee Viatical Settlement Act of 2009|§ 56-50-104. License Revocation and Denial

  The commissioner may refuse to issue, suspend, revoke or refuse to renew the license of a viatical settlement provider, viatical settlement broker or viatical settlement investment agent if the commissioner finds that:  There was any material misrepresentation in the application for the license;   The licensee or any officer, partner, member or key management personnel has been convicted of fraudulent or dishonest practices, is subject to a final administrative action or is otherwise shown to be untrustworthy or incompetent;   The viatical settlement provider demonstrates a pattern of unreasonable payments to viators;   The licensee or any officer, partner, member or key management personnel has been found guilty of, or has pleaded guilty or nolo contendere to, any felony, or to a misdemeanor involving fraud or moral turpitude, regardless of whether a judgment of conviction has been entered by the court;   The viatical settlement provider has entered into any viatical settlement contract that has not been approved pursuant to this chapter;   The viatical settlement provider has failed to honor contractual obligations set out in a viatical settlement contract or a viatical settlement purchase agreement;   The licensee no longer meets the requirements for initial licensure;   The viatical settlement provider has assigned, transferred or pledged a viaticated policy to a person other than a viatical settlement provider licensed in this state, viatical settlement purchaser, an accredited investor as defined in 17 CFR 230.501(a), or qualified institutional buyer as defined in 17 CFR 230.144A, both promulgated under the Federal Securities Act of 1933, financing entity, special purpose entity or related provider trust; or   The licensee or any officer, partner, member or key management personnel has violated this chapter.     The commissioner may suspend, revoke or refuse to renew the license of a viatical settlement broker or a life insurance producer operating as a viatical settlement broker pursuant to this chapter if the commissioner finds that the viatical settlement broker or life insurance producer has violated this chapter or has otherwise engaged in bad faith conduct with one (1) or more viators.   If the commissioner suspends, revokes or refuses to renew the license of a viatical settlement provider, viatical settlement broker or viatical settlement investment agent, or suspends, revokes or refuses to renew a license of a life insurance producer operating as a viatical settlement broker pursuant to this chapter, the commissioner shall conduct a hearing in accordance with the Uniform Administrative Procedures Act, compiled in title 4, chapter 5, part 3. If the commissioner denies a license application of a viatical settlement provider, viatical settlement broker or viatical settlement investment agent, the commissioner shall notify the applicant in writing of the denial and the grounds for denial.
TN Code § 56-50-105 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 50 - Tennessee Viatical Settlement Act of 2009|§ 56-50-105. Approval of Viatical Settlement Contracts and Disclosure Statements

 A person shall not use a viatical settlement contract form or provide to a viator a disclosure statement form in this state unless first filed with and approved by the commissioner. The commissioner shall disapprove a viatical settlement contract form or disclosure statement form if, in the commissioner's opinion, the contract or provisions contained in the contract fail to meet the requirements of this chapter, including, but not limited to §§ 56-50-108, 56-50-110, 56-50-113 and 56-50-114(b), or are unreasonable, contrary to the interests of the public or otherwise misleading or unfair to the viator. At the commissioner's discretion, the commissioner may require the submission of advertising material prior to its use in this state.
TN Code § 56-50-106 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 50 - Tennessee Viatical Settlement Act of 2009|§ 56-50-106. Reporting Requirements and Privacy

  Each viatical settlement provider shall file with the commissioner on or before March 1 of each year an annual statement containing such information as the commissioner may prescribe by regulation. In addition to any other requirements, the annual statement shall specify the total number, aggregate face amount and life settlement proceeds of policies settled during the immediately preceding calendar year, together with a breakdown of the information by policy issue year.   Except as otherwise allowed or required by law, a viatical settlement provider, viatical settlement broker, viatical settlement investment agent, insurance company, insurance producer, information bureau, rating agency or company or any other person with actual knowledge of an insured's identity shall not disclose that identity as an insured or the insured's financial or medical information to any other person unless the disclosure:  Is necessary to effect a viatical settlement between the viator and a viatical settlement provider and the viator and insured have provided prior written consent to the disclosure;   Is necessary to effect a viatical settlement purchase agreement between the viatical settlement purchaser and a viatical settlement provider and the viator and insured have provided prior written consent to the disclosure;   Is provided in response to an investigation or examination by the commissioner or any other governmental officer or agency or pursuant to the requirements of § 56-50-114(c);   Is a term of or condition to the transfer of a policy by one (1) viatical settlement provider to another viatical settlement provider;   Is necessary to permit a financing entity, related provider trust or special purpose entity to finance the purchase of policies by a viatical settlement provider and the viator and insured have provided prior written consent to the disclosure;   Is necessary to allow the viatical settlement provider or viatical settlement broker or their authorized representatives to make contacts for the purpose of determining health status; or   Is required to purchase stop loss coverage or financial guaranty insurance.
TN Code § 56-50-109 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 50 - Tennessee Viatical Settlement Act of 2009|§ 56-50-109. Disclosure to Insurer

 Prior to the initiation of a plan, transaction or series of transactions, a viatical settlement broker or viatical settlement provider shall fully disclose to an insurer a plan, transaction or series of transactions to which the viatical settlement broker or viatical settlement provider is a party, to originate, renew, continue or finance a life insurance policy with the insurer for the purpose of engaging in the business of viatical settlements at anytime prior to or during the first five (5) years after issuance of the policy. The insurer shall not disclose this information to any other viatical settlement provider or viatical settlement broker, including those affiliates of the insurer engaged in viatical settlement activity.
TN Code § 56-50-116 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 50 - Tennessee Viatical Settlement Act of 2009|§ 56-50-116. Unfair Trade Practices

 A violation of this chapter, including the commission of a fraudulent viatical settlement act, shall be considered an unfair trade practice under chapter 8 of this title, subject to the penalties contained in chapter 8 of this title.
TN Code § 56-50-117 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 50 - Tennessee Viatical Settlement Act of 2009|§ 56-50-117. Authority to Promulgate Regulations

 The commissioner shall have the authority to:   Promulgate rules to effectuate the purposes of this chapter. The rules shall be promulgated in accordance with the Uniform Administrative Procedures Act, compiled in title 4, chapter 5;   Establish standards for evaluating reasonableness of payments under viatical settlement contracts for persons who are terminally or chronically ill. This authority includes, but is not limited to, regulation of discount rates used to determine the amount paid in exchange for assignment, transfer, sale, devise or bequest of a benefit under a life insurance policy insuring the life of a person who is chronically or terminally ill;   Establish appropriate licensing requirements, fees and standards for continued licensure for viatical settlement providers, brokers and viatical settlement investment agents;   Require a bond or other mechanism for financial accountability for viatical settlement providers and brokers;   Adopt rules governing the relationship and responsibilities of both insurers and viatical settlement providers, viatical settlement brokers and viatical settlement investment agents during the viatication of a life insurance policy or certificate; and   Establish guidelines and standards of permissible and impermissible conduct in the advertising of viatical settlements to assure that product descriptions are presented in a manner that prevents unfair, deceptive or misleading advertising, and is conducive to accurate presentation and description of viatical settlements through the advertising media and materials used by viatical settlement licensees.
TN Code § 56-51-101 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 51 - Tennessee Prepaid Limited Health Service Organization Act of 2000|§ 56-51-101. Short Title

 This chapter shall be known and may be cited as the “Tennessee Prepaid Limited Health Service Organization Act of 2000.”
TN Code § 56-51-103 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 51 - Tennessee Prepaid Limited Health Service Organization Act of 2000|§ 56-51-103. Exemption From Tennessee Insurance Code

 Except as provided in this chapter, prepaid limited health service organizations are governed by this chapter and are exempt from this title unless specifically referenced.
TN Code § 56-51-104 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 51 - Tennessee Prepaid Limited Health Service Organization Act of 2000|§ 56-51-104. Insurance Business Not Authorized

 Nothing in this title or this chapter authorizes any prepaid limited health service organization to transact any insurance business other than that specifically authorized by this chapter, or otherwise to engage in any other type of insurance unless it is authorized under a certificate of authority issued by the department under the Tennessee insurance code.
TN Code § 56-51-105 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 51 - Tennessee Prepaid Limited Health Service Organization Act of 2000|§ 56-51-105. Certificate of Authority Required — Ambulance Service Plans — Exceptions

  A person, corporation, partnership, or other entity may not operate a prepaid limited health service organization in this state without obtaining and maintaining a certificate of authority from the department pursuant to this chapter.   A political subdivision of this state that is operating an emergency medical services system and offers a prepaid ambulance service plan as a part of its emergency medical services system shall be exempt from this chapter and all other provisions of this title.   An insurer, while authorized to transact health insurance in this state, or a health maintenance organization possessing a valid certificate of authority in this state, or a duly licensed medical and hospital service corporation may also provide services under this chapter without additional qualification or authority, but shall be otherwise subject to the applicable provisions of this chapter.
TN Code § 56-51-108 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 51 - Tennessee Prepaid Limited Health Service Organization Act of 2000|§ 56-51-108. Continued Eligibility for Certificate of Authority

 In order to maintain its eligibility for a certificate of authority, a prepaid limited health service organization must continue to meet all conditions required to be met under this chapter and the rules adopted under this chapter for the initial application for and issuance of its certificate of authority under §§ 56-51-106 and 56-51-107.
TN Code § 56-51-109 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 51 - Tennessee Prepaid Limited Health Service Organization Act of 2000|§ 56-51-109. Certain Entities Contracting With State Title Xix Agency

 Any entity licensed under this chapter that provides services solely to Title XIX program recipients under a contract with the state shall be exempt from §§ 56-51-106(12), 56-51-112(e) and (k), 56-51-113, 56-51-117, 56-51-123, 56-51-127, and 56-51-134(b)(5)(A) and (B). Further, the commissioner may by rule exempt the entities from other provisions of this chapter where determined by the commissioner to be reasonable and appropriate. The rules shall be promulgated in accordance with § 56-51-153.
TN Code § 56-51-110 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 51 - Tennessee Prepaid Limited Health Service Organization Act of 2000|§ 56-51-110. Use of English Required in Contracts and Forms

 All contracts or forms utilized by the prepaid limited health services organization, whether directed to providers or enrollees, shall be written in the English language.
TN Code § 56-51-111 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 51 - Tennessee Prepaid Limited Health Service Organization Act of 2000|§ 56-51-111. Language Used in Contracts and Marketing Materials

 All prepaid limited health services contracts, marketing materials, and literature must disclose in boldfaced type the name of the organization and disclose that the organization is a prepaid limited health service organization licensed under this chapter.
TN Code § 56-51-113 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 51 - Tennessee Prepaid Limited Health Service Organization Act of 2000|§ 56-51-113. Rates for Subscribers — Requirements

  The rates charged by any prepaid limited health service organization to its subscribers shall not be excessive, inadequate, or unfairly discriminatory. The department may require whatever information it deems necessary to determine that a rate or proposed rate meets the requirements of this section.   In determining whether a rate is in compliance with subsection (a), the department must take into consideration the limited services provided, the method in which the services are provided, and the method of provider payment. This section may not be construed as authorizing the department to establish by rule minimum loss ratios for prepaid limited health service organizations' rates.
TN Code § 56-51-114 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 51 - Tennessee Prepaid Limited Health Service Organization Act of 2000|§ 56-51-114. Changes in Rates and Benefits — Material Modifications — Addition of Limited Health Services

   No prepaid limited health services contract, certificate of coverage, application, enrollment form, rider, endorsement, and applicable rates to be charged may be delivered in this state unless the forms and rates have been filed with the department by or on behalf of the prepaid limited health service organization and have been approved by the department. Every form filed shall be identified by a unique form number placed in the lower left corner of each form. If a prepaid limited health service organization desires to amend any contract with its subscribers or any certificate or member handbook, or desires to change any rate charged for the contract or to change any basic prepaid limited health services contract, certificate, grievance procedure, or member handbook form, or application form where written application is required and is to be made a part of the contract, or printed amendment, addendum, rider, or endorsement form or form renewal certificate, it must file the changes thirty (30) days prior to the effective date of the proposed change. At least thirty (30) days' written notice must be provided to the subscriber before application of any approved change in rates. In the case of a group enrollee, there may be a contractual agreement with the prepaid limited health service organization to have the contract holder provide the required notice to the individual enrollees of the group. Any proposed change must contain information as required by this section.   The prepaid limited health service organization's certification must be prepared by an independent actuary. The chief executive officer of the prepaid limited health service organization must review and sign the certification indicating the officer's agreement with its conclusions. Following receipt of notice of any disapproval or withdrawal of approval, no prepaid limited health service organization may issue or use any form disapproved by the department or as to which the department has withdrawn approval.     If the filings are not disapproved by the department within thirty (30) days of the receipt of complete filings, the filings shall be deemed approved.
TN Code § 56-51-115 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 51 - Tennessee Prepaid Limited Health Service Organization Act of 2000|§ 56-51-115. Additional Contract Contents

 A prepaid limited health services contract may contain additional provisions not inconsistent with this chapter that are:   Necessary because of the manner in which the organization is constituted or operated in order to state the rights and obligations of the parties to the contract; or   Desired by the organization and neither prohibited by law nor in conflict with any provisions required to be included.
TN Code § 56-51-116 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 51 - Tennessee Prepaid Limited Health Service Organization Act of 2000|§ 56-51-116. Genetic Information Restrictions

 A prepaid limited health service organization must comply with chapter 7, part 27 of this title.
TN Code § 56-51-117 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 51 - Tennessee Prepaid Limited Health Service Organization Act of 2000|§ 56-51-117. Restrictions Upon Expulsion or Refusal to Issue or Renew Contract

  A prepaid limited health service organization may not expel or refuse to renew the coverage of or refuse to enroll any individual member of a subscriber group through a health maintenance organization or a state or federal agency on the basis of the race, color, creed, disability, marital status, sex, or national origin of the subscriber or individual.   A prepaid limited health service organization may not expel or refuse to renew the coverage of any individual member of a subscriber group through a health maintenance organization or a state or federal agency on the basis of the age or health status of the subscriber or individual.   For group solicitations through a contract with a health maintenance organization, a prepaid limited health service organization may preunderwrite to determine group acceptability. However, once a contract is issued, a prepaid limited health service organization must provide coverage to all existing enrollees and their dependents, and newly employed enrollees and their dependents who have enrolled within thirty (30) days of eligibility or membership.   Nothing in this section prohibits a prepaid limited health service organization from requiring in its contracts with health maintenance organizations that, as a condition of continued eligibility for membership, dependents of a subscriber upon reaching a specified age convert to a converted contract. Coverage must continue to be provided to children with a disability who are incapable of self-sustaining employment by reason of mental or physical disability, and substantially dependent upon the enrollee for support and maintenance.