reglab/housing_qa huggingface dataset:
MO Rev Stat § 375.1306 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1306 - Genetic information, prohibited uses by employers — penalty for violation.

Effective - 28 Aug 2007   375.1306. Genetic information, prohibited uses by employers — penalty for violation. — 1. An employer shall not use any genetic information or genetic test results, as those terms are defined in subdivisions (3) and (4) of section 375.1300, of an employee or prospective employee to distinguish between, discriminate against, or restrict any right or benefit otherwise due or available to such employee or prospective employee. The requirements of this section shall not prohibit:  (1) Underwriting in connection with individual or group life, disability income or long-term care insurance;  (2) Any action required or permissible by law or regulation;  (3) Action taken with the written permission of an employee or prospective employee or such person's authorized representative; or  (4) The use of genetic information when such information is directly related to a person's ability to perform assigned job responsibilities.  2. If the director determines that a person has engaged, is engaging in, or has taken a substantial step toward engaging in an act, practice or course of business constituting a violation of this section or a rule adopted or order issued pursuant thereto, or that a person has materially aided or is materially aiding an act, practice, omission, or course of business constituting a violation of this section or a rule adopted or order issued pursuant thereto, the director may issue such administrative orders as authorized under section 374.046. A violation of any of these sections is a level two violation under section 374.049.  3. If the director believes that a person has engaged, is engaging in, or has taken a substantial step toward engaging in an act, practice or course of business constituting a violation of this section or a rule adopted or order issued pursuant thereto, or that a person has materially aided or is materially aiding an act, practice, omission, or course of business constituting a violation of this section or a rule adopted or order issued pursuant thereto, the director may maintain a civil action for relief authorized under section 374.048. A violation of any of these sections is a level two violation under section 374.049. ­­-------- (L. 1998 S.B. 722 § 4, A.L. 2007 S.B. 66)
MO Rev Stat § 375.1309 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1309 - Confidentiality of genetic information, exceptions — penalty for violation.

Effective - 28 Aug 2007   375.1309. Confidentiality of genetic information, exceptions — penalty for violation. — 1. Any person who, in the ordinary course of business, practice of a profession or rendering of a service, creates, stores, receives or furnishes genetic information, as such term is defined in subdivision (3) of section 375.1300, shall hold such information as confidential medical records and shall not disclose such genetic information except pursuant to written authorization of the person to whom such information pertains or to that person's authorized representative. The requirements of this section shall not apply to:  (1) Statistical data compiled without reference to the identity of an individual;  (2) Health research conducted in accordance with the provisions of the federal common rule protecting the rights and welfare of research participants (45 CFR 46 and 21 CFR 50 and 56), or to health research using medical archives or databases in which the identity of individuals is protected from disclosure by coding or encryption, or by removing all identities;  (3) The release of such information pursuant to legal or regulatory process; or  (4) The release of such information for body identification.  2. If the director determines that a person has engaged, is engaging in, or has taken a substantial step toward engaging in an act, practice or course of business constituting a violation of this section or a rule adopted or order issued pursuant thereto, or that a person has materially aided or is materially aiding an act, practice, omission, or course of business constituting a violation of this section or a rule adopted or order issued pursuant thereto, the director may issue such administrative orders as authorized under section 374.046. A violation of any of these sections is a level two violation under section 374.049.  3. If the director believes that a person has engaged, is engaging in, or has taken a substantial step toward engaging in an act, practice or course of business constituting a violation of this section or a rule adopted or order issued pursuant thereto, or that a person has materially aided or is materially aiding an act, practice, omission, or course of business constituting a violation of this section or a rule adopted or order issued pursuant thereto, the director may maintain a civil action for relief authorized under section 374.048. A violation of any of these sections is a level two violation under section 374.049. ­­-------- (L. 1998 S.B. 722 § 5, A.L. 2007 S.B. 66)
MO Rev Stat § 375.1500 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1500 - Sections 375.1500 to 375.1527 apply to life insurance policies, exceptions.

Effective - 28 Aug 1998   375.1500. Sections 375.1500 to 375.1527 apply to life insurance policies, exceptions. — Sections 375.1500 to 375.1527 apply to all group and individual life insurance policies and certificates except:  (1) Variable life insurance;  (2) Individual and group annuity contracts;  (3) Credit life insurance;  (4) Policies written by a company with less than twenty-five million dollars in annual direct written life insurance premiums;  (5) Life insurance policies with no illustrated death benefits on any individual exceeding ten thousand dollars;  (6) Life insurance policies containing guaranteed elements exclusively; or  (7) Single premium policies. ­­-------- (L. 1998 S.B. 722 § 6)
MO Rev Stat § 375.1506 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1506 - Policies marketed without an illustration, notice to department — illustration requirements — quotation required, when.

Effective - 28 Aug 1998   375.1506. Policies marketed without an illustration, notice to department — illustration requirements — quotation required, when. — 1. Each insurer marketing policies to which sections 375.1500 to 375.1527 are applicable shall notify the director of the department of commerce and insurance whether a policy form is to be marketed with or without an illustration. For all policy forms being actively marketed on August 28, 1998, the insurer shall identify in writing those forms and whether or not an illustration will be used with them. For policy forms filed after August 28, 1998, the identification shall be made at the time of filing. Any previous identification may be changed by notice to the director of the department of commerce and insurance.  2. If the insurer identifies a policy form as one to be marketed without an illustration, any use of an illustration for any policy using that form prior to the first policy anniversary is prohibited.  3. If a policy form is identified by the insurer as one to be marketed with an illustration, a basic illustration prepared and delivered in accordance with sections 375.1500 to 375.1527 is required, except that a basic illustration need not be provided to individual members of a group or to individuals insured under multiple lives coverage issued to a single applicant unless the coverage is marketed to these individuals. The illustration furnished an applicant for a group life insurance policy or policies issued to a single applicant on multiple lives may be either an individual or composite illustration representative of the coverage on the lives of members of the group or the multiple lives covered.  4. Potential enrollees of nonterm group life subject to sections 375.1500 to 375.1527 shall be furnished a quotation with the enrollment materials. The quotation shall show potential policy values for sample ages and policy years on a guaranteed and nonguaranteed basis appropriate to the group and the coverage. This quotation shall not be considered an illustration for purposes of sections 375.1500 to 375.1527, but all information provided shall be consistent with the illustrated scale. A basic illustration shall be provided at delivery of the certificate to enrollees for nonterm group life who enroll for more than the minimum premium necessary to provide pure death benefit protection. In addition, the insurer shall make a basic illustration available to any nonterm group life enrollee who requests it. ­­-------- (L. 1998 S.B. 722 § 8)
MO Rev Stat § 375.1509 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1509 - Life insurance illustration, label, contents, use in sales presentation, interest rates.

Effective - 28 Aug 1998   375.1509. Life insurance illustration, label, contents, use in sales presentation, interest rates. — 1. An illustration used in the sale of a life insurance policy shall satisfy the applicable requirements of sections 375.1500 to 375.1527, be clearly labeled "life insurance illustration" and contain the following basic information:  (1) Name of insurer;  (2) Name and business address of producer or insurer's authorized representative, if any;  (3) Name, age and sex of proposed insured, except where a composite illustration is permitted pursuant to sections 375.1500 to 375.1527;  (4) Underwriting or rating classification upon which the illustration is based;  (5) Generic name of policy, the company product name, if different, and form number;  (6) Initial death benefit; and  (7) Dividend option election or application of nonguaranteed elements, if applicable.  2. When using an illustration in the sale of a life insurance policy, an insurer or its producers or other authorized representatives shall not:  (1) Represent the policy as anything other than a life insurance policy;  (2) Use or describe nonguaranteed elements in a manner that is misleading or has the capacity or tendency to mislead;  (3) State or imply that the payment or amount of nonguaranteed elements is guaranteed;  (4) Use an illustration that does not comply with the requirements of sections 375.1500 to 375.1527;  (5) Use an illustration that at any policy duration depicts policy performance more favorable to the policy owner than that produced by the illustrated scale of the insurer whose policy is being illustrated;  (6) Provide an applicant with an incomplete illustration;  (7) Represent in any way that premium payments will not be required for each year of the policy in order to maintain the illustrated death benefits, unless that is the fact;  (8) Use the term "vanish" or "vanishing premium", or a similar term that implies the policy becomes paid up, to describe a plan for using nonguaranteed elements to pay a portion of future premiums;  (9) Except for policies that can never develop nonforfeiture values, use an illustration that is "lapse-supported"; or  (10) Use an illustration that is not "self-supporting".  3. If an interest rate used to determine the illustrated nonguaranteed elements is shown, it shall not be greater than the earned interest rate underlying the disciplined current scale. ­­-------- (L. 1998 S.B. 722 § 9)
MO Rev Stat § 375.1515 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1515 - Supplemental illustrations permitted, when — notice required.

Effective - 28 Aug 1998   375.1515. Supplemental illustrations permitted, when — notice required. — 1. A supplemental illustration may be provided so long as:  (1) It is appended to, accompanied by or preceded by a basic illustration that complies with sections 375.1500 to 375.1527;  (2) The nonguaranteed elements shown are not more favorable to the policy owner than the corresponding elements based on the scale used in the basic illustration;  (3) It contains the same statement required of a basic illustration that nonguaranteed elements are not guaranteed; and  (4) For a policy that has a contract premium, the contract premium underlying the supplemental illustration is equal to the contract premium shown in the basic illustration. For policies that do not require a contract premium, the premium outlay underlying the supplemental illustration shall be equal to the premium outlay shown in the basic illustration.  2. The supplemental illustration shall include a notice referring to the basic illustration for guaranteed elements and other important information. ­­-------- (L. 1998 S.B. 722 § 11)
MO Rev Stat § 375.1527 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1527 - Violation of sections 375.1500 to 375.1527, penalties.

Effective - 28 Aug 1998   375.1527. Violation of sections 375.1500 to 375.1527, penalties. — In addition to any other penalties provided by the laws of this state, an insurer or producer that violates a requirement of sections 375.1500 to 375.1527 shall be guilty of an unfair trade practice pursuant to sections 375.930 to 375.948. ­­-------- (L. 1998 S.B. 722 § 15)
MO Rev Stat § 375.1530 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1530 - Application of sections 375.1500 to 375.1527.

Effective - 28 Aug 1998   375.1530. Application of sections 375.1500 to 375.1527. — Sections 375.1500 to 375.1527 shall only apply to policies governed by sections 375.1500 to 375.1527 which are marketed after January 1, 1999. ­­-------- (L. 1998 S.B. 722 § 16)
MO Rev Stat § 375.1575 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1575 - Denial of claim, disclosure by applicant not required.

Effective - 28 Aug 2001   375.1575. Denial of claim, disclosure by applicant not required. — No insurer or its agent or representative shall require any applicant or policyholder to divulge if any insurer has denied any claim of that applicant or policyholder. ­­-------- (L. 2001 H.B. 328 & 88 § 2 merged with S.B. 186 § 1)
MO Rev Stat § 375.1730 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1730 - Costs of coverage reported to department — rates.

Effective - 28 Aug 2002   375.1730. Costs of coverage reported to department — rates. — Any insurance company that sells liability insurance which provides coverage for dram shop liability as described in section 537.053 shall report all costs associated with such coverages to the department of commerce and insurance. The rates for such coverage shall be governed pursuant to section 379.889. ­­-------- (L. 2002 H.B. 1532)
MO Rev Stat § 375.1800 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1800 - Residency of insurance companies, domestic and foreign.

Effective - 28 Aug 2019   375.1800. Residency of insurance companies, domestic and foreign. — 1. A domestic insurance company shall be deemed for all purposes, including venue, to reside in, and be a resident of, the county where its registered office is maintained.  2. A foreign insurance company shall be deemed for all purposes, including venue, to reside in, and be a resident of, the county where its registered office is maintained. A foreign insurance company that does not maintain a registered office in any county in Missouri shall be deemed to reside in, and be a resident of, Cole County. ­­-------- (L. 2019 S.B. 7)
MO Rev Stat § 375.1803 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1803 - Court actions against insurance company, venue where — inapplicability, when.

Effective - 28 Aug 2019   375.1803. Court actions against insurance company, venue where — inapplicability, when. — 1. Notwithstanding any provision of law to the contrary, in all actions in which there is any count against an insurer, whether in tort or contract, regarding the rights, benefits, or duties under an insurance contract or any action arising from an insurance contract, including but not limited to claims of breach of contract, bad faith, or breach of fiduciary duty, venue shall be in the county where the insurer resides, or if the insured was a resident of Missouri at the time the insurance contract was issued, the county of the insured's principal place of residence, as defined in section 508.010, at the time the insurance contract was issued. Venue shall be determined by this section even if the insured's rights or claims under the policy have been assigned or otherwise transferred to another party. However, intervention by an insurer in an action pursuant to section 537.065 shall not affect the venue of the action.  2. (1) The provisions of this section shall not apply to any action against an insurer relating to uninsured motorist coverage or underinsured motorist coverage, including any action to enforce such coverage.  (2) Venue for a vexatious refusal to pay claim under section 375.296 or section 375.420 to collect an amount due under uninsured motorist or underinsured motorist coverage shall not be determined in accordance with the provisions of this section, but shall be determined by the provisions of section 375.1806. However, venue for any other vexatious refusal to pay claim to collect an amount due under any other type of policy or coverage shall be determined in accordance with the provisions of this section. ­­-------- (L. 2019 S.B. 7)
MO Rev Stat § 375.1806 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 375 - Provisions Applicable to All Insurance Companies|Section 375.1806 - Uninsured and underinsured motorist coverage, venue, where.

Effective - 28 Aug 2019   375.1806. Uninsured and underinsured motorist coverage, venue, where. — Notwithstanding any provision of law to the contrary, in all actions against an insurer relating to uninsured motorist coverage or underinsured motorist coverage, including any action to enforce such coverage, venue as to that individual plaintiff shall be determined as follows:  (1) If the accident involving the uninsured or underinsured motor vehicle occurred in Missouri, then venue shall be in the county where the accident occurred;  (2) If the accident involving the uninsured or underinsured motor vehicle occurred outside the state of Missouri, then venue shall either be in:  (a) The county where the insurer resides; or  (b) If the insured's principal place of residence was in the state of Missouri on the date the insured was first injured by the accident involving an uninsured or underinsured motor vehicle, the county of the insured's principal place of residence on the date the insured was first injured by such accident. ­­-------- (L. 2019 S.B. 7)
MO Rev Stat § 376.005 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.005 - Definitions.

Effective - 28 Aug 2008   376.005. Definitions. — As used in this chapter, unless otherwise clearly indicated by the context, the following words mean:  (1) "Department", the department of commerce and insurance; and  (2) "Director", the director of the department of commerce and insurance. ­­-------- (L. 2008 S.B. 788)
MO Rev Stat § 376.010 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.010 - Who may form company — purposes.

Effective - 28 Aug 2012   376.010. Who may form company — purposes. — Any number of persons, not less than thirteen, may associate and form a company for the purpose of making insurance upon the lives of individuals, and every assurance pertaining thereto or connected therewith (including, for policies issued outside of the United States of America, insurance of nonlife risks that are attached as riders to policies insuring the lives of individuals; provided that the aggregate premium assumed on an annual basis pursuant to such nonlife risks does not exceed three percent of the capital and surplus of such company as of the thirty-first day of December of the preceding year), and to grant, purchase and dispose of annuities and endowments of every kind and description whatsoever, and to provide an indemnity against death, and for weekly or other periodic indemnity for disability occasioned by accident or sickness to the person of the insured; but such accident and health insurance shall be made a separate department of the business of the life insurance company undertaking it. ­­-------- (RSMo 1939 § 5800, A.L. 2012 H.B. 1112)  Prior revisions: 1929 § 5690; 1919 § 6101; 1909 § 6895
MO Rev Stat § 376.015 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.015 - Involuntary unemployment insurance may be issued in connection with extension of credit or certain group life insurance, requirements.

Effective - 28 Aug 2012   376.015. Involuntary unemployment insurance may be issued in connection with extension of credit or certain group life insurance, requirements. — Corporations doing the business specified in section 376.010 may also make insurance to provide a periodic indemnity for involuntary unemployment when such insurance is sold in connection with an extension of credit or, to the extent such insurance is sold outside of the United States of America, group life insurance. Any company making such insurance shall comply with the provisions of section 379.400* and the regulations promulgated pursuant thereto, and shall have, in addition to any other capital requirements for such company, a fully paid capital and surplus equal to the amount required in section 379.010. Involuntary unemployment insurance may be written on either an individual or a group basis, but in no event may group involuntary insurance coverage be offered to residents of a state other than Missouri unless the regulatory official governing insurance in such state has granted prior approval. ­­-------- (L. 1985 H.B. 826, A.L. 1989 H.B. 615 & 563, A.L. 2012 H.B. 1112)  *Section 379.400 was repealed by S.B. 519, 1992.