reglab/housing_qa huggingface dataset:
HI Rev Stat § 431:10D-210 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-210 Occupation, industry, or trade association groups.

  §431:10D-210 Occupation, industry, or trade association groups. The lives of a group of individuals may be insured under a policy issued to an association of individuals belonging to a single occupation, industry, or trade association, which shall be deemed the policyholder, to insure members of the association for the benefit of persons other than the association or any of its officials, subject to the following requirements:  (1) The association must have been formed for purposes other than obtaining insurance.  (2) The members eligible for insurance under the policy shall be all of the members of the association.  (3) The premium for the policy shall be paid either from the association's own funds or from charges collected from the insured members specifically for the insurance, or from both. No policy may be placed in force unless and until at least seventy-five per cent of the then eligible members of the association, excluding any as to whom evidence of individual insurability is not satisfactory to the insurer, have elected to be covered and have arranged for payment of their individual contributions to the association.  (4) Charges collected from the insured members specifically for the insurance, and the dues of the association if they include the cost of insurance, may be determined according to each attained age or in not less than four reasonably spaced attained age groups.  (5) The policy must cover at least twenty-five persons at date of issue.  (6) The amounts of insurance under the policy must be based upon some plan precluding individual selection either by the members or by the association. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10D-211 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-211 Credit union groups.

  §431:10D-211 Credit union groups. The lives of the members of a credit union may be insured under a policy issued to the credit union that shall be deemed the policyholder to insure members of the credit union for the benefit of persons other than the credit union or any of its officials, subject to the following requirements:  (1) Except for paragraph (2), the members eligible for insurance under the policy shall be all of the members of the credit union;  (2) An insurer may exclude or limit the coverage on any member as to whom evidence of individual insurability is not satisfactory to the insurer;  (3) The premiums for the policy shall be paid by the policyholder, either from the credit union's own funds or from charges collected from the insured members specifically for the insurance, or from both; provided that when the premium is paid by the members, or by the credit union and its members jointly, at least seventy-five per cent of the then eligible members, excluding any as to whom evidence of insurability is not satisfactory to the insurer, shall elect to make the required contributions; and  (4) The amounts of insurance under the policy shall be based upon some plan precluding individual selection either by the members or by the credit union.  As used in this section, "credit union" means a credit union chartered under the provisions of the Federal Credit Union Act or article 10 of chapter 412. [L 1987, c 347, pt of §2; am L 1993, c 350, §17; am L 2004, c 122, §52]
HI Rev Stat § 431:10D-211.5 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-211.5 Other groups; limits.

  §431:10D-211.5 Other groups; limits. Group life insurance offered to a Hawaii resident under a group life insurance policy issued to a group, other than a group described in sections 431:10D-202 through 431:10D-211, shall be subject to the following requirements:  (1) No group life insurance policy shall be delivered in this State unless the commissioner finds that:  (A) The issuance of the group life insurance policy is not contrary to the best interest of the public;  (B) The issuance of the group life insurance policy would result in economies of acquisition or administration; and  (C) The benefits of the group life insurance policy are reasonable in relation to the premium charged;  (2) No group life insurance coverage may be offered in this State, pursuant to this section, by an insurer under a group life insurance policy issued in another state, unless:  (A) The commissioner finds that the requirements of paragraph (1) have been met; or  (B) The issuing state has requirements substantially similar to those contained in paragraph (1) and has determined that those requirements have been met;  (3) The premium for a group life insurance policy issued pursuant to this section shall be paid by the policyholder, by covered persons, or both; and  (4) An insurer may exclude from coverage or limit the coverage on any person as to whom evidence of individual insurability is not satisfactory to the insurer under a group life insurance policy issued pursuant to this section. [L 2010, c 32, §1]
HI Rev Stat § 431:10D-212 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-212 Spouses and dependents of insured individuals.

  §431:10D-212 Spouses and dependents of insured individuals. (a) Except for a policy issued under sections 431:10D-203 and 431:10D-211, insurance under any group life insurance policy issued pursuant to this article may be extended to insure the employees or members of such groups against loss due to the death of their spouses and dependent children subject to the following:  (1) The spouse and dependent of the individual insured may be covered in amounts of insurance equivalent to the amount of coverage of the insured individual;  (2) The premiums for the insurance of the spouse or dependent shall be paid either from funds contributed by the employer, union, association or other person to whom the policy has been issued, or from funds contributed by the individual insured, or from both; and  (3) An insurer may exclude or limit the coverage on any spouse or dependent child as to whom evidence of individual insurability is not satisfactory to the insurer.  (b) For purposes of this section:  "Dependent" means a child of the insured individual:  (1) Under eighteen years of age;  (2) Under twenty-three years of age who is attending an educational institution and relying upon the insured individual for financial support; or  (3) Regardless of age who is incapable of self-sustaining employment by reason of intellectual disability or physical handicap and is chiefly dependent upon the insured individual for support and maintenance.  "Individual" includes a person or a member of any group provided in section 431:10D-202 and sections 431:10D-204 through 431:10D-210. [L 1987, c 347, pt of §2; am L 2004, c 122, §53; am L 2008, c 155, §3; am L 2011, c 220, §12]
HI Rev Stat § 431:10D-214 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-214 Notice to insured regarding conversion right.

  §431:10D-214 Notice to insured regarding conversion right. If any individual insured under a group life insurance policy delivered in this State becomes entitled under the terms of the policy to have an individual policy of life insurance issued to the individual without evidence of insurability, subject to making of application and payment of the first premium within the period specified in the policy, and if the individual is not given notice of the existence of such right at least fifteen days prior to the expiration date of such period, then, in such event the individual shall have an additional period within which to exercise the right, but nothing herein shall be construed to continue any insurance beyond the period provided in the policy. This additional period shall expire fifteen days next after the individual is given such notice but in no event shall the additional period extend beyond sixty days next after the expiration date of the period provided in the policy. Written notice presented to the individual or mailed by the policyholder to the last known address of the individual or mailed by the insurer to the last known address of the individual as furnished by the policyholder shall constitute notice for the purposes of this section. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10D-215 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-215 Assignment of policies.

  §431:10D-215 Assignment of policies. Subject to the terms of the policy, or pursuant to an agreement between the insured, the group policyholder, and the insurer, any person insured under a group life insurance policy may make to any person, other than the policyholder, an assignment of all or any part of the incidents of ownership conferred on the insured by the policy or by law, including specifically, but not by way of limitation, the right to exercise the conversion privilege and the right to name a beneficiary. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10D-301 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-301 Scope.

  §431:10D-301 Scope. This part shall apply only to industrial life insurance contracts. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10D-302 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-302 General life insurance provisions applicable.

  §431:10D-302 General life insurance provisions applicable. The following [sections] of part I of this article shall apply to industrial life insurance policies:  (1) 431:10D-104;  (2) 431:10D-108;  (3) 431:10D-109;  (4) 431:10D-110; and  (5) 431:10D-116. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10D-303 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-303 Industrial life insurance defined.

  §431:10D-303 Industrial life insurance defined. Industrial life insurance is any life insurance provided by an individual insurance contract issued in face amount of less than $1,000 under which premiums are payable monthly or more often, and bearing the words "Industrial Policy" printed upon the policy as a part of the descriptive matter. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10D-304 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-304 Compliance required.

  §431:10D-304 Compliance required. No policy of industrial life insurance shall be delivered or be issued for delivery in this State, except in compliance with the provisions of this part, and with other applicable provisions of this code. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10D-306 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-306 Title on policy.

  §431:10D-306 Title on policy. There shall be a title on the face of each policy briefly describing its form. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10D-307 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-307 Beneficiary.

  §431:10D-307 Beneficiary. (a) Each 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.  (b) 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. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10D-308 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-308 Facility of payment.

  §431:10D-308 Facility of payment. 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 under the policy to the personal representative of the insured, or to any of the insured's relatives by blood, legal adoption or connection by marriage, or to any person appearing to the insurer to be equitably entitled to such payment by reason of having been named beneficiary, or by reason of having incurred expense for the maintenance, medical attention, or burial of the insured. The policy may also include a similar provision applicable to any other payment due under the policy. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10D-309 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-309 Premiums paid direct.

  §431:10D-309 Premiums paid 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 the 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. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10D-310 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-310 Application to term and specified insurance.

  §431:10D-310 Application to term and specified insurance. Any of the provisions required by this part 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. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10D-311 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-311 Crediting of dividends.

  §431:10D-311 Crediting of dividends. An insurer shall credit annually beginning not later than the fifth policy year, any dividend arising under a participating industrial life insurance contract. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10D-312 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-312 Prohibited provisions.

  §431:10D-312 Prohibited provisions. No industrial life insurance 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 is conditioned upon a showing by the insurer, that knowledge of such rejection would have led to a refusal by the insurer to make the contract. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10D-313 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-313 Limitation of liability.

  §431:10D-313 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 section 431:10D-312 for other life insurance contracts. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10D-401 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-401 Scope.

  §431:10D-401 Scope. This part shall 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; and  (4) Life insurance policies with no illustrated death benefits for any individual exceeding $10,000. [L 2000, c 252, pt of §2]
HI Rev Stat § 431:10D-403 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-403 Policies to be illustrated.

  §431:10D-403 Policies to be illustrated. (a) Each insurer marketing policies to which this part is applicable shall notify the commissioner whether a policy form is to be marketed with or without an illustration. For all policy forms being actively marketed on July 1, 2001, the insurer shall identify in writing the forms and whether or not an illustration will be used with them. For policy forms filed after July 1, 2001, the identification shall be made at the time of filing. Any previous identification may be changed by notice to the commissioner.  (b) 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.  (c) 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 this part 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.  (d) Potential enrollees of non-term group life subject to this part 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 this part, 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 non-term 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 non-term group life enrollee who requests it. [L 2000, c 252, pt of §2] Revision Note  "July 1, 2001" substituted for "the effective date of this part" pursuant to §23G-15.
HI Rev Stat § 431:10D-404 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-404 General requirements and prohibitions.

  §431:10D-404 General requirements and prohibitions. (a) An illustration used in the sale of a life insurance policy shall satisfy the applicable requirements of this part, be clearly labeled "life insurance illustration", and contain the following basic information:  (1) Name of insurer;  (2) Name and business address of producer and insurer's authorized representative, if any;  (3) Name, age, and sex of proposed insured, except where a composite illustration is permitted under this part;  (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 non-guaranteed elements, if applicable.  (b) When using an illustration in the sale of a life insurance policy, an insurer, 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 this part;  (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 a 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.  (c) 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 2000, c 252, pt of §2]
HI Rev Stat § 431:10D-406 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-406 Standards for supplemental illustrations.

  §431:10D-406 Standards for supplemental illustrations. (a) 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 this part;  (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.  (b) The supplemental illustration shall include a notice referring to the basic illustration for guaranteed elements and other important information. [L 2000, c 252, pt of §2]
HI Rev Stat § 431:10D-410 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-410 Penalties.

  §431:10D-410 Penalties. In addition to any other penalties provided by the laws of this State, an insurer or producer that violates a requirement of this part shall be guilty of an unfair or deceptive act or practice in violation of article 13. [L 2000, c 252, pt of §2; am L 2004, c 122, §56]
HI Rev Stat § 431:10D-411 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-411 Authority to adopt rules.

  §431:10D-411 Authority to adopt rules. The commissioner may adopt rules under chapter 91 implementing this part. [L 2000, c 252, pt of §2]
HI Rev Stat § 431:10D-412 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-412 REPEALED.

  §431:10D-412 REPEALED. L 2000, c 282, §2. Cross References  Uniform electronic transactions act, see chapter 489E.