reglab/housing_qa huggingface dataset:
AL Code § 27-30-3 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 30 - Mutual Aid Associations.|Section 27-30-3 - Applicability of Chapter - Exceptions.

Section 27-30-3Applicability of chapter - Exceptions. The designation "mutual aid association" and this chapter do not apply as to: (1) Any secret or benevolent society, such as Masons, Odd Fellows, Knights and Ladies of Honor, Knights of Pythias, or like orders and societies, or any association organized and operating in good faith under the lodge system for purely benevolent purposes and with a ritualistic form of work; (2) Agreements between hospitals and industrial corporations to provide for hospital services for the employees of such corporations, and the employment by such corporations of medical doctors, surgeons and dentists for the purpose of giving medical, surgical and dental attention to such employees; or (3) Any insurer operating under, or subject to, the general insurance laws of this state. (Acts 1927, No. 548, p. 634; Acts 1935, No. 114, p. 165; Acts 1971, No. 407, p. 707, §559.)
AL Code § 27-30-4 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 30 - Mutual Aid Associations.|Section 27-30-4 - Authorization to Act As, or For, Association - Generally.

Section 27-30-4Authorization to act as, or for, association - Generally. (a) No person shall in this state be, act as or hold itself out to be a mutual aid association except in compliance with this chapter and as authorized by a subsisting certificate of authority therefor, issued by the commissioner under this chapter. (b) No person shall act as solicitor, collector or otherwise as an agent or representative of any entity or organization acting as, or purporting to be, a mutual aid association unless such entity or organization is then authorized as a mutual aid association as required in subsection (a) of this section. (c) Any person who violates this section shall, upon conviction thereof, be guilty of a misdemeanor and punished by a fine of not less than $200.00 nor more than $1,000.00, or by imprisonment in the county jail for not less than 10 days nor more than one year or by both such fine and imprisonment, in the discretion of the court. For the purposes of this section, each instance of such violation shall be deemed to constitute a separate offense. (Acts 1935, No. 114, p. 165; Acts 1971, No. 407, p. 707, §560.)
AL Code § 27-30-5 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 30 - Mutual Aid Associations.|Section 27-30-5 - Authorization to Act As, or For, Association - Requirements.

Section 27-30-5Authorization to act as, or for, association - Requirements. No person shall hereafter be authorized or hold authority to transact business in this state as a mutual aid association unless it is otherwise in compliance with this chapter and meets the following requirements: (1) Must be a corporation heretofore or hereafter lawfully formed under the laws of the State of Alabama; (2) If a stock corporation, and except as provided in Section 27-30-6, must have and maintain unimpaired paid-in capital stock of not less than $50,000.00 and, if newly organized, must have, in addition when first so authorized, a paid-in surplus of not less than $75,000.00; (3) If a mutual corporation, and except as provided in Section 27-30-6, must have applications for benefits and paid-in fees, dues, assessments, or contributions, if required under Section 27-30-27, and must thereafter have and maintain unimpaired surplus funds, representing the excess of its admitted assets over all its required reserves and incurred liabilities, of not less than $75,000.00; (4) Its management and affairs must be conducted under the actual and active control, direction, and supervision of directors or trustees, officers and other management personnel, each of whom has been found, by the commissioner after due investigation, to be an individual of good character and reputation and with sufficient education, training, or experience to be reasonably competent in the fulfillment of his duties and responsibilities relative to the association; (5) Must not be affiliated, directly or indirectly, with any person or persons whose business operations are, or have been, marked to the detriment of members, policyholders, stockholders, creditors, or the public by manipulation of assets or accounts, or of reinsurance or by bad faith; and (6) Must have and maintain in this state a principal office for the transaction of its business and must keep therein records and accounts of its affairs as required under Section 27-30-21. (Acts 1939, No. 374, p. 502; Code 1940, T. 28, §262; Acts 1947, No. 349, p. 229; Acts 1967, No. 99, p. 437; Acts 1971, No. 407, p. 707, §561.)
AL Code § 27-30-6 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 30 - Mutual Aid Associations.|Section 27-30-6 - Capital Stock or Surplus Requirements for Existing Associations.

Section 27-30-6Capital stock or surplus requirements for existing associations. Any domestic mutual aid association which immediately prior to January 1, 1972, lawfully held a certificate of authority or license to transact such business in this state and which is otherwise in compliance with the requirements of this chapter shall be entitled to have a certificate of authority while it has and maintains unimpaired paid-in capital stock, if a stock corporation, or surplus, if a mutual corporation, as follows: (1) If it is a stock corporation, it must have and maintain capital stock of at least $25,000.00; except, that an association having unimpaired paid-in capital stock on January 1, 1972, in less than such amount shall as of each December 31, following January 1, 1972, have increased its unimpaired paid-in capital stock by an amount equal to not less than 20 percent of such original deficiency, so that, and until not later than the fifth such December 31, the association shall have unimpaired paid-in capital stock of not less than $25,000.00. Such an association shall be entitled to have its certificate of authority continue in effect during such five-year period if it is otherwise entitled thereto under this chapter; (2) If it is a mutual corporation, it must have and maintain unimpaired surplus funds in the amount of not less than $12,500.00; except, that an association having unimpaired surplus funds on January 1, 1972, in less than such amount shall as of each December 31, following January 1, 1972, have increased its unimpaired surplus funds by an amount equal to not less than 20 percent of such original deficiency, so that, and until not later than the fifth such December 31, the association shall have unimpaired surplus funds of not less than $12,500.00. Such an association shall be entitled to have its certificate of authority continue in effect during such five-year period if it is otherwise entitled thereto under this chapter; and (3) The commissioner shall promptly revoke the certificate of authority of any such association that does not comply with the requirements of this section. (Acts 1971, No. 407, p. 707, §562.)
AL Code § 27-30-6.1 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 30 - Mutual Aid Associations.|Section 27-30-6.1 - Authority to Increase Paid-in Capital Stock and Paid-in Surplus; Contracts or Policies on Any One Life and Accidental Death Benefits.

Section 27-30-6.1Authority to increase paid-in capital stock and paid-in surplus; contracts or policies on any one life and accidental death benefits. (a) All mutual aid associations which have held valid certificates of authority under Sections 27-30-1 through 27-30-33 for a period of five years prior to June 8, 1984, are hereby authorized to increase the paid-in capital stock and paid-in surplus of the association. Any association maintaining a minimum surplus of $100,000.00 is authorized to provide contracts or policies on any one life not to exceed five percent of the capital of such association, and to provide accidental death benefits on any one life so insured not to exceed the amount of life insurance provided. (b) The provisions of subsection (a) of this section shall additionally apply to all mutual aid associations, after said associations have completed five years of operations and are in compliance with the Insurance Code of Alabama. (Acts 1984, 1st Ex. Sess., No. 84-729, p. 65.)
AL Code § 27-30-7 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 30 - Mutual Aid Associations.|Section 27-30-7 - Name of Association.

Section 27-30-7Name of association. Every mutual aid association shall have and use in its transactions a corporate name suited to the character and purposes of the association. No such name shall so closely resemble the name of any other corporation or organization doing business in Alabama or elsewhere as to tend to be confusing or deceptive, nor shall any such name be one which tends to confuse or mislead as to the character or plan of operation of the association. (Acts 1971, No. 407, p. 707, §563.)
AL Code § 27-30-8 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 30 - Mutual Aid Associations.|Section 27-30-8 - Certificate of Authority - Application.

Section 27-30-8Certificate of authority - Application. (a) To apply for a certificate of authority, a mutual aid association shall file with the commissioner its application therefor, on forms as prescribed and furnished by him, and showing: (1) Name of the association and the address of its principal office or place of business in this state; (2) Name, identification, and residence address of each director, trustee, or officer of the association; (3) The types of aid or benefits to be provided its members or policyholders; (4) The general plan or plans according to which its business is, or will be, conducted; and (5) Such other information as the commissioner may reasonably require. (b) The applicant shall at the time of application for certificate of authority file with the commissioner such of the following as are not already on file with him: (1) A copy of its articles of incorporation, its bylaws, and other charter or constituent documents, certified by the public official having custody of the original or, in the case of documents not already of public record, certified by the officer of the association having custody thereof; (2) A copy of each policy, certificate, contract, and agreement it proposes to use in the conduct of its business and relating to aid and benefits to be provided its members or policyholders; (3) A financial statement, upon the same form and with verification as required for its annual statement as provided for under Section 27-30-22, showing its current financial condition; (4) A schedule of fees, dues, contributions, or other sums to be charged or received by the association in transactions under its certificate of authority, if granted; (5) Appointment of the commissioner as its attorney to receive service of process, as required under Section 27-30-13; and (6) Such other documents and matters as the commissioner may reasonably require. (c) At time of filing its application, the association shall pay to the commissioner the applicable fees prescribed in subdivision (a) (1) of Section 27-4-2. (Acts 1935, No. 114, p. 165; Acts 1971, No. 407, p. 707, §564.)
AL Code § 27-30-9 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 30 - Mutual Aid Associations.|Section 27-30-9 - Certificate of Authority - Issuance or Refusal.

Section 27-30-9Certificate of authority - Issuance or refusal. If, upon completion of the application for a certificate of authority, the commissioner finds:  (1) That the documents filed with the application are lawful and equitable in terms and have been properly executed and filed; (2) That the applicant has the amount of unimpaired paid-in capital stock and/or surplus as required under this chapter and has made the deposit required under Section 27-30-18; (3) That the forms of contracts, policies, or other agreements proposed to be used by the association in this state fulfill the requirements of Section 27-30-14 and are not disapproved by him on any ground referred to in subsection (c) of Section 27-30-14; (4) That the proposed schedule of fees, dues, contributions, or other sums to be charged or received by the association are provided for on a practical and feasible basis and would be adequate in amount to cover the risks and obligations to be assumed by the association under its certificates, policies, and agreements, together with its reasonable expenses of operation; (5) That the management and affairs of the association will be conducted under the actual and active control, direction, and supervision of directors or trustees, officers, and other management personnel, each of whom is an individual of good character and reputation and with sufficient education, training, or experience to be reasonably competent in the fulfillment of his duties and responsibilities relative to the association; and (6) That the applicant is otherwise entitled to a certificate of authority under this chapter,   he shall issue to the association a proper certificate of authority; if he does not so find, the commissioner shall issue his order refusing such certificate. The commissioner shall act upon an application for a certificate of authority within a reasonable period after its completion. (Acts 1935, No. 114, p. 165; Acts 1971, No. 407, p. 707, §565.)
AL Code § 27-30-10 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 30 - Mutual Aid Associations.|Section 27-30-10 - Certificate of Authority - Expiration; Renewal.

Section 27-30-10Certificate of authority - Expiration; renewal. (a) The certificate of authority of a mutual aid association issued under this chapter shall expire annually at midnight on the May 31 next following the date of issuance or renewal. (b) If the association has filed its annual statement for the preceding calendar year, has paid its taxes as provided for in this chapter, and is otherwise entitled thereto under this chapter, the commissioner shall annually as of June 1, issue to the association a renewal certificate of authority if written request of the association therefor, accompanied by the annual renewal fee specified in Section 27-4-2, is received by the commissioner not later than the preceding May 1. If such request for renewal and fee is received by the commissioner after such May 1, but prior to the next following June 15, the commissioner may, in his discretion, issue to the association a renewal certificate of authority as of such June 1 if the request is also accompanied by a reinstatement fee in the amount specified in paragraph (a) (1) d of Section 27-4-2. (Acts 1971, No. 407, p. 707, §566.)
AL Code § 27-30-11 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 30 - Mutual Aid Associations.|Section 27-30-11 - Certificate of Authority - Suspension or Revocation - Grounds.

Section 27-30-11Certificate of authority - Suspension or revocation - Grounds. (a) The commissioner shall suspend or revoke the certificate of authority of a mutual aid association if he finds, upon examination or other evidence, that any one or more of the following grounds exist: (1) For any cause for which he could have refused to issue the certificate of authority under this chapter had it then existed and been known to the commissioner; (2) If the association is in unsound condition or is in such condition or is using such methods and practices in the conduct of its business as to render its further transactions of insurance in this state hazardous to its members, policyholders, dependents, beneficiaries, or to the public; (3) If the association has refused to be examined or to produce its accounts, records, and files for examination or if any of its officers or agents have refused to perform any legal obligation relative thereto or have willfully refused to give information with respect to its affairs, when required by the commissioner; or (4) If the association has failed to pay any final judgment against it in favor of a citizen of this state. (b) The commissioner may, in his discretion, suspend or revoke the certificate of authority of a mutual aid association if he finds, upon examination or other evidence, that any one or more of the following grounds exist: (1) If the association has failed to keep adequate and proper records of its transactions or to give proper receipts and account for moneys paid to or received by it; (2) If the association has, with such frequency as to indicate its general business practice in this state, without just cause, refused to pay proper claims arising under its policies, certificates, contracts, or agreements or, without just cause, compels claimants to accept less than the amount due them or to employ attorneys or to bring an action against the association to secure full payment or settlement of such claims; or (3) For violation of any provision of, or referred to in, this chapter. (Acts 1935, No. 114, p. 165; Acts 1971, No. 407, p. 707, §567.)
AL Code § 27-30-12 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 30 - Mutual Aid Associations.|Section 27-30-12 - Certificate of Authority - Suspension or Revocation - Procedure.

Section 27-30-12Certificate of authority - Suspension or revocation - Procedure. (a) If suspension or revocation of certificate of authority relates to grounds other than the financial condition of the association, the commissioner shall give the association written notice of his intention to so suspend or revoke not less than 10 days in advance of the effective date of the proposed order of suspension or revocation. The notice shall state the grounds of the commissioner's proposed action, together with such details as reasonably to inform the association thereof. Notice mailed to the association at its principal place of business last of record with the commissioner shall be deemed to have been given when so mailed. If within such 10-day period the association files with the commissioner its written request for a hearing with respect to the proposed suspension or revocation, setting forth the reasons why, in its opinion, the commissioner's proposed action is unlawful or should not be taken, the commissioner shall hold the hearing so requested, upon notice and under procedures as provided for in Chapter 2 of this title, and shall not effectuate the proposed suspension or revocation pending the hearing and his order made thereon. (b) Following any such suspension or revocation, the commissioner may cause notice thereof to be published in one or more newspapers of general circulation in this state. (c) Upon such suspension or revocation becoming effective, the commissioner shall likewise suspend or revoke the licenses of all agents of the association. (Acts 1935, No. 114, p. 165; Acts 1971, No. 407, p. 707, §568.)
AL Code § 27-30-13 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 30 - Mutual Aid Associations.|Section 27-30-13 - Commissioner as Agent for Process; Service of Process; Notice of Change of Address.

Section 27-30-13Commissioner as agent for process; service of process; notice of change of address. (a) Every mutual aid association, at the time of filing application for its certificate of authority, shall, by a duly executed instrument filed with the commissioner, on a form as designated and furnished by the commissioner, designate the principal office of the association in this state and constitute and appoint the commissioner, and his successors in office, as its true and lawful attorney upon whom all lawful process in actions or legal proceedings against it may be served; and the association shall agree that any lawful process against it which may be served upon its said attorney shall be of the same force and validity as if served on the association itself and that the authority thereof shall continue in force irrevocably as long as any liability remains outstanding against it in this state. (b) Two copies of any process issued by any court of record in this state and served upon the commissioner or the person in charge of the commissioner's office by the proper officer of Montgomery County shall be deemed a sufficient service on the association; and the commissioner, promptly after such service of process, shall forward by registered or certified mail one of the copies of such process to the association at its principal place of business referred to in subsection (a) of this section. (c) Within 30 days after the change of address of its principal office in this state, the association shall file written notice thereof with the commissioner. (Code 1940, T. 28, §262; Acts 1971, No. 407, p. 707, §569.)
AL Code § 27-30-14 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 30 - Mutual Aid Associations.|Section 27-30-14 - Contracts - Issuance; Contents; Approval by Commissioner.

Section 27-30-14Contracts - Issuance; contents; approval by commissioner. (a) A mutual aid association shall issue to each member or policyholder a contract, in the English language, printed or reproduced by other easily legible means, and whether called a "certificate," "policy," "agreement," or by whatever name, setting forth the aid and benefits for which the association is liable as to the respective individuals covered by such contract and the terms and conditions thereof and the amounts payable to the association on account of such contract and the terms and conditions of such payments. Any contract providing for aid, service, funeral, or other benefits payable otherwise than in cash shall set forth the reasonable cash value at retail of such aid, service, funeral, and other benefits, together with the valuation of such benefits for the purpose of computation of the reserves as provided in Section 27-30-17. (b) No provision or agreement not contained in such contract shall be deemed to affect, in any manner, the terms and conditions of the contract. No provision contained, or to be contained, in any other document shall be made a part of the contract by reference unless the pertinent portions of such other document or an adequate summary thereof are set forth in the contract. (c) An association shall not offer or use any form of contract until such form has been on file with the commissioner for at least 20 days, nor thereafter if the form has been disapproved by the commissioner. Within such 20 days, or at any time thereafter, the commissioner may disapprove any such form found by him to be unlawful, or unreasonable in its terms and conditions, or inequitable or that contains ambiguous and misleading clauses or clauses and conditions that tend to deceive as to the coverage and benefits purported to be given under the contract. The association shall not thereafter offer or use any such form which the commissioner has disapproved. The commissioner shall set forth the grounds thereof in any order of disapproval issued by him. (Acts 1971, No. 407, p. 707, §570.)