reglab/housing_qa huggingface dataset:
WA Rev Code § 48.24.900 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.24 - Group Life and Annuities.|48.24.900 - Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.

RCW 48.24.900 Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.For the purposes of this chapter, the terms spouse, marriage, marital, husband, wife, widow, widower, next of kin, and family shall be interpreted as applying equally to state registered domestic partnerships or individuals in state registered domestic partnerships as well as to marital relationships and married persons, and references to dissolution of marriage shall apply equally to state registered domestic partnerships that have been terminated, dissolved, or invalidated, to the extent that such interpretation does not conflict with federal law. Where necessary to implement chapter 521, Laws of 2009, gender-specific terms such as husband and wife used in any statute, rule, or other law shall be construed to be gender neutral, and applicable to individuals in state registered domestic partnerships.[ 2009 c 521 § 120.]
WA Rev Code § 48.25.010 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.010 - Scope of chapter.

RCW 48.25.010 Scope of chapter.The provisions of this chapter apply only to industrial life insurance contracts.[1947 c 79 § .25.01; Rem. Supp. 1947 § 45.25.01.]
WA Rev Code § 48.25.020 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.020 - Industrial life insurance defined.

RCW 48.25.020 Industrial life insurance defined."Industrial" life insurance is any life insurance provided by an individual insurance contract issued in face amount of less than one thousand dollars, under which premiums are payable monthly or oftener, and bearing the words "industrial policy" printed upon the policy as a part of the descriptive matter.[1947 c 79 § .25.02; Rem. Supp. 1947 § 45.25.02.]
WA Rev Code § 48.25.030 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.030 - Compliance enjoined.

RCW 48.25.030 Compliance enjoined.No policy of industrial life insurance shall be delivered or be issued for delivery in this state after January 1, 1948, except in compliance with the provisions of this chapter and with other applicable provisions of this code.[1947 c 79 § .25.03; Rem. Supp. 1947 § 45.25.03.]
WA Rev Code § 48.25.040 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.040 - Standard provisions.

RCW 48.25.040 Standard provisions.No such policy shall be so issued or delivered unless it contains in substance the provisions as required by this chapter, or provisions which in the opinion of the commissioner are more favorable to the policyholder.[1947 c 79 § .25.04; Rem. Supp. 1947 § 45.25.04.]
WA Rev Code § 48.25.050 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.050 - Grace period.

RCW 48.25.050 Grace period.There shall be a provision that the insured is entitled to a grace period of four weeks within which the payment of any premium after the first may be made, except that in policies the premiums for which are payable monthly, the period of grace shall be one month but not less than thirty days; and that during the period of grace the policy shall continue in full force, but if during the grace period the policy becomes a claim, then any overdue and unpaid premiums may be deducted from any settlement under the policy.[1947 c 79 § .25.05; Rem. Supp. 1947 § 45.25.05.]
WA Rev Code § 48.25.060 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.060 - Entire contract.

RCW 48.25.060 Entire contract.There shall be a provision that the policy shall constitute the entire contract between the parties, or, if a copy of the application is endorsed upon or attached to the policy when issued, a provision that the policy and the application therefor shall constitute the entire contract. If the application is so made a part of the contract, the policy shall also provide that all statements made by the applicant in such application shall, in the absence of fraud, be deemed to be representations and not warranties.[1947 c 79 § .25.06; Rem. Supp. 1947 § 45.25.06.]
WA Rev Code § 48.25.070 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.070 - Incontestability.

RCW 48.25.070 Incontestability.There shall be a provision that the policy shall be incontestable after it has been in force during the lifetime of the insured for a period of two years from its date of issue except for nonpayment of premiums, and except, at the option of the insurer, as to supplemental provisions providing benefits for total and permanent disability or specifically for accidental death.[1947 c 79 § .25.07; Rem. Supp. 1947 § 45.25.07.]
WA Rev Code § 48.25.080 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.080 - Misstatement of age.

RCW 48.25.080 Misstatement of age.There shall be a provision that if it is found that the age of the individual insured, or the age of any other individual considered in determining the premium, has been misstated, any amount payable or benefit accruing under the policy shall be such as the premium would have purchased at the correct age or ages.[1947 c 79 § .25.08; Rem. Supp. 1947 § 45.25.08.]
WA Rev Code § 48.25.090 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.090 - Dividends.

RCW 48.25.090 Dividends.If a participating policy, there shall be a provision that the insurer shall annually ascertain and apportion any divisible surplus accruing on the policy, and that dividends arising from such apportionment shall be credited annually beginning not later than the fifth contract year. This provision shall not prohibit the payment of additional dividends on default of payment of premiums or termination of the policy.[1947 c 79 § .25.09; Rem. Supp. 1947 § 45.25.09.]
WA Rev Code § 48.25.100 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.100 - Nonforfeiture benefits.

RCW 48.25.100 Nonforfeiture benefits.There shall be a provision for nonforfeiture benefits as required by chapter 48.76 RCW.[ 1983 c 3 § 152; 1947 c 79 § .25.10; Rem. Supp. 1947 § 45.25.10.]
WA Rev Code § 48.25.110 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.110 - Cash surrender value.

RCW 48.25.110 Cash surrender value.There shall be a provision for a cash surrender value as required by chapter 48.76 RCW.[ 1983 c 3 § 153; 1947 c 79 § .25.11; Rem. Supp. 1947 § 45.25.11.]
WA Rev Code § 48.25.120 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.120 - Reinstatement.

RCW 48.25.120 Reinstatement.There shall be a provision that the policy may be reinstated at any time within two years from the due date of the premium in default unless the cash surrender value has been paid, or the extension period expired, upon the production of evidence of insurability satisfactory to the insurer and the payment of all overdue premiums and payment or reinstatement of any unpaid loans or advances made by the insurer against the policy with interest at a rate not exceeding six percent per annum and payable annually.[1947 c 79 § .25.12; Rem. Supp. 1947 § 45.25.12.]
WA Rev Code § 48.25.130 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.130 - Settlement.

RCW 48.25.130 Settlement.There shall be a provision that when the policy becomes a claim by the death of the insured, settlement shall be made upon receipt of due proof of death or after a specified period not exceeding two months after receipt of such proof.[1947 c 79 § .25.13; Rem. Supp. 1947 § 45.25.13.]
WA Rev Code § 48.25.140 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.140 - Authority to alter policy.

RCW 48.25.140 Authority to alter policy.There shall be a provision that no insurance producer 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 signed by a duly authorized officer of the insurer.[ 2017 3rd sp.s. c 25 § 17; 2008 c 217 § 33; 1947 c 79 § .25.14; Rem. Supp. 1947 § 45.25.14.]NOTES:Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
WA Rev Code § 48.25.150 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.150 - Beneficiary.

RCW 48.25.150 Beneficiary.(1) Each such policy shall have a space on the front or back page of the policy for the name of the beneficiary designated with a reservation of the right to designate or change the beneficiary after the issuance of the policy.(2) The policy may also provide that no designation or change of beneficiary shall be binding on the insurer until endorsed on the policy by the insurer, and that the insurer may refuse to endorse the name of any proposed beneficiary who does not appear to the insurer to have an insurable interest in the life of the insured.[1947 c 79 § .25.15; Rem. Supp. 1947 § 45.25.15.]
WA Rev Code § 48.25.160 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.160 - Facility of payment clause.

RCW 48.25.160 Facility of payment clause.Such a policy may also provide that if the beneficiary designated in the policy does not surrender the policy with due proof of death within the period stated in the policy, which shall not be less than thirty days after the death of the insured, or if the beneficiary is the estate of the insured or is a minor, or dies before the insured or is not legally competent to give a valid release, then the insurer may make payment thereunder to the executor or administrator of the insured, or to any of the insured's relatives by blood or legal adoption or connection by marriage, or to any person appearing to the insurer to be equitably entitled thereto by reason of having been named beneficiary, or by reason of having incurred expense for the maintenance, medical attention or burial of the insured. Such policy may also include a similar provision applicable to any other payment due under the policy.[1947 c 79 § .25.16; Rem. Supp. 1947 § 45.25.16.]
WA Rev Code § 48.25.170 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.170 - Payment of premiums direct.

RCW 48.25.170 Payment of premiums direct.In the case of weekly premium policies, there may be a provision that upon proper notice to the insurer while premiums on the policy are not in default beyond the grace period, of the intention to pay future premiums directly to the insurer at its home office or any office designated by the insurer for the purpose, the insurer will, at the end of each period of a year from the due date of the first premium so paid, for which period such premiums are so paid continuously without default beyond the grace period, refund a stated percentage of the premiums in an amount which fairly represents the savings in collection expense.[1947 c 79 § .25.17; Rem. Supp. 1947 § 45.25.17.]
WA Rev Code § 48.25.180 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.180 - Conversion—Weekly premium policies.

RCW 48.25.180 Conversion—Weekly premium policies.There shall be a provision in the case of weekly premium policies granting, upon proper written request and upon presentation of evidence of the insurability of the insured satisfactory to the insurer, the privilege of converting his or her weekly premium industrial insurance to any form of life insurance with less frequent premium payments regularly issued by the insurer, in accordance with terms and conditions agreed upon with the insurer. The privilege of making such conversion need be granted only if the insurer's weekly premium industrial policies on the life insured, in force as premium paying insurance and on which conversion is requested, grant benefits in event of death, exclusive of additional accidental death benefits and exclusive of any dividend additions, in an amount not less than the minimum amount of such insurance with less frequent premium payments issued by the insurer at the age of the insured on the plan of industrial or ordinary insurance desired.[ 2009 c 549 § 7115; 1947 c 79 § .25.18; Rem. Supp. 1947 § 45.25.18.]
WA Rev Code § 48.25.190 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.190 - Conversion—Monthly premium policies.

RCW 48.25.190 Conversion—Monthly premium policies.There shall be a provision, in the case of monthly premium industrial policies, granting, upon proper written request and upon presentation of evidence of the insurability of the insured satisfactory to the insurer, the privilege of converting his or her monthly premium industrial insurance to any form of ordinary life insurance regularly issued by the insurer, in accordance with terms and conditions agreed upon with the insurer. The privilege of making such conversions need be granted only if the insurer's monthly premium industrial policies on the life insured, in force as premium paying insurance and on which conversion is requested, grant benefits in event of death, exclusive of additional accidental death benefits and exclusive of any dividend additions, in an amount not less than the minimum amount of ordinary insurance issued by the insurer at the age of the insured on the plan of ordinary insurance desired.[ 2009 c 549 § 7116; 1947 c 79 § .25.19; Rem. Supp. 1947 § 45.25.19.]
WA Rev Code § 48.25.200 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.200 - Title on policy.

RCW 48.25.200 Title on policy.There shall be a title on the face of each such policy briefly describing its form.[1947 c 79 § .25.20; Rem. Supp. 1947 § 45.25.20.]
WA Rev Code § 48.25.210 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.210 - Application to term and specified insurance.

RCW 48.25.210 Application to term and specified insurance.Any of the provisions required by this chapter or any portion thereof which are not applicable to single premium or term policies or to policies issued or granted pursuant to nonforfeiture provisions, shall to that extent not be incorporated therein.[1947 c 79 § .25.21; Rem. Supp. 1947 § 45.25.21.]
WA Rev Code § 48.25.220 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.220 - Prohibited provisions.

RCW 48.25.220 Prohibited provisions.No such policy shall contain:(1) A provision by which the insurer may deny liability under the policy for the reason that the insured has previously obtained other insurance from the same insurer.(2) A provision giving the insurer the right to declare the policy void because the insured has had any disease or ailment, whether specified or not, or because the insured has received institutional, hospital, medical or surgical treatment or attention, except a provision which gives the insurer the right to declare the policy void if the insured has, within two years prior to the issuance of the policy, received institutional, hospital, medical or surgical treatment or attention and if the insured or claimant under the policy fails to show that the condition occasioning such treatment or attention was not of a serious nature or was not material to the risk.(3) A provision giving the insurer the right to declare the policy void because the insured had been rejected for insurance, unless such right be conditioned upon a showing by the insurer, that knowledge of such rejection would have led to a refusal by the insurer to make such contract.[1947 c 79 § .25.22; Rem. Supp. 1947 § 45.25.22.]
WA Rev Code § 48.25.230 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.230 - Limitation of liability.

RCW 48.25.230 Limitation of liability.The insurer may in any such policy limit its liability for the same causes and to the same extent as is provided in RCW 48.23.260 for other life insurance contracts.[1947 c 79 § .25.23; Rem. Supp. 1947 § 45.25.23.]
WA Rev Code § 48.25.900 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25 - Industrial Life Insurance.|48.25.900 - Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.

RCW 48.25.900 Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.For the purposes of this chapter, the terms spouse, marriage, marital, husband, wife, widow, widower, next of kin, and family shall be interpreted as applying equally to state registered domestic partnerships or individuals in state registered domestic partnerships as well as to marital relationships and married persons, and references to dissolution of marriage shall apply equally to state registered domestic partnerships that have been terminated, dissolved, or invalidated, to the extent that such interpretation does not conflict with federal law. Where necessary to implement chapter 521, Laws of 2009, gender-specific terms such as husband and wife used in any statute, rule, or other law shall be construed to be gender neutral, and applicable to individuals in state registered domestic partnerships.[ 2009 c 521 § 121.]
WA Rev Code § 48.25A.010 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25A - Life Insurance—Profit-Sharing, Charter, Founders, and Coupon Policies.|48.25A.010 - Definitions.

RCW 48.25A.010 Definitions.As used in this chapter:(1) "Profit-sharing policy" means:(a) A life insurance policy which by its terms expressly provides that the policyholder will participate in the distribution of earnings or surplus other than earnings or surplus attributable, by reasonable and nondiscriminatory standards, to the participating policies of the company and allocated to the policyholder on reasonable and nondiscriminatory standards; or(b) A life insurance policy the provisions of which, through sales material or oral presentations, are interpreted by the company to prospective policyholders as entitling the policyholder to the benefits described in subsection (a) of this section.(2) "Charter policy" or "founders policy" means:(a) A life insurance policy which by its terms expressly provides that the policyholder will receive some preferential or discriminatory advantage or benefit not available to persons who purchase insurance from the company at future dates or under other circumstances; or(b) A life insurance policy the provisions of which, through sales material or oral presentations, are interpreted by the company to prospective policyholders as entitling the policyholder to the benefits described in subsection (a) of this section.(3) "Coupon policy" means a life insurance policy which provides a series of pure endowments maturing periodically in amounts not exceeding the gross annual policy premiums. The term "pure endowment" or "endowment" is used in its accepted actuarial sense, meaning a benefit becoming payable at a specific future date if the insured person is then living.[ 1967 ex.s. c 95 § 5.]
WA Rev Code § 48.25A.020 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25A - Life Insurance—Profit-Sharing, Charter, Founders, and Coupon Policies.|48.25A.020 - Certain policies not to be issued or delivered after September 1, 1967.

RCW 48.25A.020 Certain policies not to be issued or delivered after September 1, 1967.No profit-sharing, charter, or founders policy shall be issued or delivered in this state after September 1, 1967.[ 1967 ex.s. c 95 § 6.]
WA Rev Code § 48.25A.030 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25A - Life Insurance—Profit-Sharing, Charter, Founders, and Coupon Policies.|48.25A.030 - Coupon policies—Approval by commissioner.

RCW 48.25A.030 Coupon policies—Approval by commissioner.No coupon policy shall be issued or delivered in this state until the form of the same has been filed with and approved by the commissioner.[ 1967 ex.s. c 95 § 7.]
WA Rev Code § 48.25A.040 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25A - Life Insurance—Profit-Sharing, Charter, Founders, and Coupon Policies.|48.25A.040 - Coupon policies—Requirements.

RCW 48.25A.040 Coupon policies—Requirements.Coupon policies issued or delivered in this state shall be subject to the following provisions:(1) No detachable coupons or certificates or passbooks may be used. No other device may be used which tends to emphasize the periodic endowment benefits or which tends to create the impression that the endowments represent interest earnings or anything other than benefits which have been purchased by part of the policyholder's premium payments.(2) Each endowment benefit must have a fixed maturity date and payment of the endowment benefit shall not be contingent upon the payment of any premium becoming due on or after such maturity date.(3) The endowment benefits must be expressed in dollar amounts rather than as percentages of other quantities or in other ways, both in the policy itself and in the sale thereof.(4) A separate premium for the periodic endowment benefits must be shown in the policy adjacent to the rest of the policy premium information and must be given the same emphasis in the policy and in the sale thereof as that given the rest of the policy premium information. This premium shall be calculated with mortality, interest and expense factors which are consistent with those for the basic policy premium.[ 1967 ex.s. c 95 § 8.]
WA Rev Code § 48.25A.050 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.25A - Life Insurance—Profit-Sharing, Charter, Founders, and Coupon Policies.|48.25A.050 - Revocation of certificates of authority and licenses for violation of chapter.

RCW 48.25A.050 Revocation of certificates of authority and licenses for violation of chapter.The commissioner may revoke all certificates of authority and licenses granted to any insurance company, its officers or agents violating any provision of this chapter.[ 1967 ex.s. c 95 § 9.]
WA Rev Code § 48.27.010 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.27 - Property Insurance.|48.27.010 - Over-insurance prohibited.

RCW 48.27.010 Over-insurance prohibited.(1) Over-insurance shall be deemed to exist if property or an insurable interest therein is insured by one or more insurance contracts against the same hazard in any amount in excess of the fair value of the property or of such interest, as determined as of the effective date of the insurance or of any renewal thereof, or in those instances when insured value is for improvements and land.(2) For the purposes of this section only the term "fair value" means the cost of replacement less such depreciation as is properly applicable to the subject insured.(3) No person shall knowingly require, request, issue, place, procure, or accept any insurance contract which would result in over-insurance of the property or interest therein proposed to be insured, except as is provided in RCW 48.27.020.(4) No person shall compel an insured or applicant for insurance to procure property insurance in an amount in excess of the amount which could reasonably be expected to be paid under the policy (or combination of policies) in the event of a loss, whether such insurance is required in connection with a loan or otherwise.(5) Each violation of this section shall subject the violator to the penalties provided by this code.[ 1984 c 6 § 1; 1947 c 79 § .27.01; Rem. Supp. 1947 § 45.27.01.]