reglab/housing_qa huggingface dataset:
36 OK Stat § 36-3634.6 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3634.6. Direct payment or reimbursement to pharmacist.

|An insurer, as defined in Section 3634.2 of Title 36 of the Oklahoma Statutes, shall provide direct payment or reimbursement to a pharmacist licensed in this state for providing a health care service to an individual if: |1. The pharmacist provided any health care service he or she is licensed to perform in the practice of pharmacy, as defined in Section 353.1 of Title 59 of the Oklahoma Statutes, in this state; and2. The health benefit policy, contract or agreement of the individual provides for payment or reimbursement of the service.Added by Laws 2021, c. 435, § 1, eff. Jan. 1, 2022.NOTE: Editorially renumbered from § 3436.6 of this title to maintain consistency in numbering.
36 OK Stat § 36-3635 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3635. "Motor vehicle" defined.

|The term "motor vehicle" as used in this act means and includes a self-propelled land motor vehicle designed for use principally upon public roads or streets but does not mean or include crawler or farm-type tractors, farm implements and, if not subject to motor vehicle registration, any equipment which is designed for use principally off public roads and streets. |Laws 1968, c. 106, § 1, eff. July 1, 1968.
36 OK Stat § 36-3635.1 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3635.1. Time of expiration of certain policies.

|All policies insuring against loss resulting from liability imposed by law for bodily injury or death suffered by any person arising out of the ownership, maintenance or use of a motor vehicle, as defined in Section 3635 of this title, shall expire at 12:01 a.m. Standard Time on the expiration date stated in the policy. This section shall apply to all such policies on the first policy renewal date after December 31, 1982. |Amended by Laws 1982, c. 57, § 1, eff. Jan. 1, 1983.
36 OK Stat § 36-3637 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3637. Exceptions.

|This act shall not apply to any policy covering motor trucks operated by a motor carrier as defined in 47 O.S. 1961, Section 161, as amended, where the named insured has employees who operate motor trucks or to any other commercial automobile liability policy covering motor trucks where the named insured has employees and such employees are covered by workers' compensation on the effective date of the policy. |Added by Laws 1968, c. 106, § 3, eff. July 1, 1968. Amended by Laws 2004, c. 267, § 1, eff. Nov. 1, 2004.
36 OK Stat § 36-3639.2 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3639.2. Policies issued under Market Assistance program - Exemption from §3639.1.

|Homeowner insurance policies issued under the voluntary Market Assistance program shall be exempt from this act. |Added by Laws 1990, c. 178, § 2, eff. Sept. 1, 1990.
36 OK Stat § 36-3639.3 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3639.3. Homeowner coverage as condition of financing – Amount not to exceed replacement value - Definitions.

|A. No lender, as a condition of financing a residential mortgage or providing other financing arrangements for residential property, including a mobile or manufactured home, may require a borrower to purchase homeowner insurance coverage, mobile or manufactured home insurance coverage, dwelling fire coverage, or other residential property coverage in an amount that exceeds the replacement value of the dwelling and its contents, regardless of the amount of the mortgage or other financing arrangement entered into by the borrower. As used in this section, “replacement value” shall not include the cleanup costs or the value of outbuildings if the limits of coverage are separate from the dwelling limits coverage. |B. A lender may not include the fair market value of the land on which a dwelling is located in the replacement value of the dwelling and its contents.C. A lender may accept the value of the dwelling determined by the insurer, or use the value placed on the dwelling that is determined by an appraisal of the real property by the lender to determine the replacement value.D. As used in this section:1. "Lender" means any person, partnership, corporation, association, or other entity, or any agent, loan agent, servicing agent, or any loan or mortgage broker, who lends money and receives or otherwise acquires a mortgage, lien, deed of trust, or any other security interest in or upon any real or personal property as security for such loan; and2. "Borrower" means any person, partnership, corporation, association, or other entity, who has or acquires a legal or equitable interest in real or personal property which is or becomes subject to a mortgage, lien, security agreement, deed of trust, or other security instrument.Added by Laws 2004, c. 87, § 1, eff. Nov. 1, 2004.
36 OK Stat § 36-3641 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3641. Short title.

|Sections 1 through 9 of this act shall be known and may be cited as the "Life, Accident and Health Insurance Policy Language Simplification Act". |Added by Laws 1986, c. 141, § 1, eff. Jan. 1, 1987.
36 OK Stat § 36-3642 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3642. Purpose of act - Intent.

|A. The purpose of the Life, Accident and Health Insurance Policy Language Simplification Act is to establish minimum standards for language used in policies and certificates of life, accident and health insurance, and subscriber certificates of medical care corporations, health care corporations, hospital service associations, and health maintenance organizations, delivered or issued for delivery in this state, to facilitate ease of reading by insureds and subscribers. |B. The Life, Accident and Health Insurance Policy Language Simplification Act is not intended to increase the risk assumed by insurance companies or other entities or to supercede their obligation to comply with the substance of other applicable insurance laws. The Life, Accident and Health Insurance Policy Language Simplification Act is not intended to impede flexibility and innovation in the development of policy forms or content, or to lead to the standardization of policy forms or content.Added by Laws 1986, c. 141, § 2, eff. Jan. 1, 1987.
36 OK Stat § 36-3643 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3643. Definitions.

|As used in the Life, Accident and Health Insurance Policy Language Simplification Act: |1. "Policy" or "policy form" means any policy, contract, plan or agreement of life insurance, health and accident insurance, or subscriber certificates of medical care corporations, health care corporations, hospital service associations, or health care maintenance organizations, delivered or issued for delivery in this state by any company subject to the Life, Accident and Health Insurance Policy Language Simplification Act; any certificate, contract or policy issued by a fraternal benefit society; any certificate issued pursuant to a group insurance policy delivered or issued for delivery in this state; and any evidence of coverage issued by a health maintenance organization.2. "Company" or "insurer" means any entity authorized to do the business of life insurance, accident and health insurance; a fraternal benefit society; a medical care corporation; a health care corporation; a hospital service association; or a health maintenance organization.Added by Laws 1986, c. 141, § 3, eff. Jan. 1, 1987.
36 OK Stat § 36-3644 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3644. Application of act - Exemptions.

|A. The Life, Accident and Health Insurance Policy Language Simplification Act shall apply to all policies delivered or issued for delivery in this state by any company on or after the date such forms must be approved, except: |1. any policy which is a security subject to federal jurisdiction;2. any group annuity contract which serves as a funding mechanism for pension, profit sharing, or deferred compensation plans;3. any form used in connection with, as a conversion from, as an addition to, or in exchange pursuant to a contractual provision for, a policy delivered or issued for delivery on a form approved or permitted to be issued prior to January 1, 1990;4. the renewal of a policy delivered or issued for delivery prior to January 1, 1990; or5. any group policy covering a group of one thousand or more lives at the date of issue, other than a group credit life insurance policy or a group credit health insurance policy; however, this shall not exempt any certificate issued pursuant to a group policy delivered or issued for delivery in this state.B. Any non-English language policy delivered or issued for delivery in this state shall be deemed to be in compliance with the Life, Accident and Health Insurance Policy Language Simplification Act if the insurer certifies that such policy is translated from an English language policy which does comply with said act.Added by Laws 1986, c. 141, § 4, eff. Jan. 1, 1987.
36 OK Stat § 36-3646 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3646. Effect on existing laws.

|Nothing in the Life, Accident and Health Insurance Policy Language Simplification Act shall be construed to negate any law of this state permitting the issuance of any policy form after it has been on file for the time period specified by state law. |Added by Laws 1986, c. 141, § 6, eff. Jan. 1, 1987.
36 OK Stat § 36-3647 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3647. Authorizing lower score than Flesch reading ease score - Conditions.

|The Commissioner may authorize a lower score than the required Flesch reading ease score if, in his discretion, he finds that a lower score meets any of the following conditions: |1. The lower score will provide a more accurate reflection of the readability of a policy form;2. The lower score is warranted by the nature of a particular policy form or type or class of policy form;3. The lower score is caused by certain policy language that is drafted to conform to the requirement of any law, rule, or agency interpretation.Added by Laws 1986, c. 141, § 7, eff. Jan. 1, 1987.
36 OK Stat § 36-3648 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3648. Date for compliance with act.

|The provisions of the Life, Accident and Health Insurance Policy Language Simplification Act shall apply to all policy forms subject to said act filed on or after January 1, 1990, and no policy form shall be delivered or issued for delivery in this state on or after January 1, 1992, unless approved by the Commissioner or otherwise permitted to be issued. Any policy form that has been approved or permitted to be issued prior to January 1, 1992, that meets the standards established need not be refiled for approval, but may continue to be lawfully delivered or issued for delivery in this state upon the filing with the Commissioner of a list of such forms identified by form number and accompanied by a certificate which may list all forms submitted concurrently in the manner provided in subsection D of Section 3645 of this title. |Added by Laws 1986, c. 141, § 8, eff. Jan. 1, 1987. Amended by Laws 1986, c. 251, § 41, eff. Nov. 1, 1986.
36 OK Stat § 36-3649 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3649. Violations - Penalties.

|Violation of any provision of the Life, Accident and Health Insurance Policy Language Simplification Act may result in censure of the insurer, corporation or organization found to be in violation, suspension or revocation of the certificate or license of said insurer, corporation, or organization, or a fine of not more than One Thousand Dollars ($1,000.00) per incident, or any combination of such penalties. |Added by Laws 1986, c. 141, § 9, eff. Jan. 1, 1987.
36 OK Stat § 36-3651 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3651. “Actual charge” and “actual fee” defined - Application.

|A. As used in an individual or group specified disease insurance policy, “actual charge” or “actual fee” means the amount actually paid by or on behalf of the insured and accepted by a provider for services provided. Insurance policies that use these terms must use them as defined in this section. |B. Except as provided by subsection C of this section, the change in law made by this section applies only to insurance policies delivered, issued for delivery, or renewed on or after the effective date of this act. An insurance policy delivered, issued for delivery, or renewed before the effective date of this act is governed by the law in effect immediately before that date, and that law is continued in effect for that purpose.C. This section applies to an insurance policy in effect on the effective date of this act only if the policy does not define “actual charge” or “actual fee”.Added by Laws 2006, c. 164, § 1, eff. Nov. 1, 2006.
36 OK Stat § 36-4001 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4001. Scope of article.

|This article applies to contracts of life insurance and annuities, other than reinsurance, group life insurance, group annuities, and industrial life insurance; except that Section 2 of this act (Return of policy within ten days), Section 3 of this act (Interest on proceeds), and Sections 4015 (Excluded or restricted coverage), 4024 (Limitation of liability), 4025 (Incontestability after reinstatement), 4028 (Dual or multiple pay policies prohibited) and 4029 (Nonforfeiture provisions) of this article shall apply to industrial life insurance also. |Added by Laws 1957, p. 371, § 4001, operative July 1, 1957. Amended by Laws 1978, c. 162, § 1, eff. Oct. 1, 1978.
36 OK Stat § 36-4002 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4002. Standard provisions required in life insurance policies.

|A. No policy of life insurance other than industrial, group, and pure endowments with or without return of premiums or of premiums and interest, shall be delivered or issued for delivery in Oklahoma unless it contains in substance all of the provisions required by Sections 4003 to 4014, inclusive, of this article. This section shall not apply to annuity contracts nor to any provision of a life insurance policy relating to disability benefits or to additional benefits in the event of death by accident or accidental means. |B. Any of such provisions or portions thereof not applicable to single premium or term policies shall to that extent not be incorporated therein.Laws 1957, p. 371, § 4002.
36 OK Stat § 36-4003 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4003. Grace period.

|There shall be a provision that a grace period of thirty (30) days, or, at the option of the insurer, of one month of not less than thirty (30) days, shall be allowed within which the payment of any premium after the first may be made, during which period of grace the policy shall continue in full force; but if a claim arises under the policy during such period of grace before the overdue premium is paid the amount of such premium may be deducted from the policy proceeds. |Laws 1957, p. 371, § 4003.
36 OK Stat § 36-4003.1 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4003.1. Cancellation of policy - Time period.

|A. No policy of individual life insurance or any annuity shall be delivered or issued for delivery in this state unless it shall have printed thereon or attached thereto a notice stating in substance that, during a period of ten (10) days from the date the policy or annuity is delivered to the insured, it may be surrendered to the insurer together with a written request for cancellation of the policy or annuity and, in such event, the policy or annuity shall be void from the beginning and the insurer will refund any premium or moneys paid therefor within thirty (30) days from the date of cancellation. If the insurer does not return any premiums or moneys paid therefor within thirty (30) days from the date of cancellation, the insurer shall pay interest on the proceeds which shall be the same rate of interest as the average United States Treasury Bill rate of the preceding calendar year, as certified to the Insurance Commissioner by the State Treasurer on the first regular business day in January of each year, plus two (2) percentage points, which shall accrue from the date of cancellation until the premiums or moneys are returned. In such event, the policy or annuity shall be deemed to have been canceled on the date the policy was placed in the U.S. mails in a properly addressed, postpaid envelope; or, if not so posted, on the date of delivery of such policy or annuity to the insurer. |B. This section shall not apply to life insurance policies issued in connection with a credit transaction or issued under a contractual policy change or conversion privilege provision contained in the policy.Added by Laws 1978, c. 162, § 2, eff. Oct. 1, 1978. Amended by Laws 1984, c. 149, § 13, eff. Nov. 1, 1984; Laws 1994, c. 294, § 6, eff. Sept. 1, 1994.
36 OK Stat § 36-4004 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4004. Incontestability.

|There shall be a provision that the policy (exclusive of provisions relating to disability benefits or to additional benefits in the event of death by accident or accidental means) shall be incontestable, except for nonpayment of premiums, after it has been in force during the lifetime of the insured for a period of two (2) years from its date of issue. |Laws 1957, p. 371, § 4004.
36 OK Stat § 36-4005 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4005. Application and policy as entire contract; statements in application as representations.

|There shall be a provision that the policy, or the policy and the application therefor if a copy of such application is endorsed upon or attached to the policy when issued, shall constitute the entire contract between the parties, and that all statements contained in the application shall, in the absence of fraud, be deemed representations and not warranties. |Laws 1957, p. 371, § 4005.
36 OK Stat § 36-4006 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4006. Misstatement of age.

|There shall be a provision that if the age of the insured or any other person whose age is 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. |Laws 1957, p. 371, § 4006.
36 OK Stat § 36-4007 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4007. Dividends.

|There shall be a provision in participating policies that, beginning not later than the end of the third policy year, the insurer shall annually ascertain and apportion the divisible surplus, if any, that will accrue on the policy anniversary or other dividend date specified in the policy provided the policy is in force and all premiums to that date are paid. Except as hereinafter provided, any dividend so apportioned shall at the option of the party entitled to elect such option be either (a) payable in cash or (b) applied to any one of such other dividend options as may be provided by the policy. If any such other dividend options are provided, the policy shall further state which option shall be automatically effective if such party shall not have elected some other option. If the policy specifies a period within which such other dividend option may be elected, such period shall be not less than thirty (30) days following the date on which such dividend is due and payable. The annually apportioned dividend shall be deemed to be payable in cash within the meaning of (a) above even though the policy provides that payment of such dividend is to be deferred for a specified period, provided such period does not exceed six (6) years from the date of apportionment and that interest will be added to such dividend at a specified rate. If a participating policy provides that the benefit under any paid-up nonforfeiture provision is to be participating, it may provide that any divisible surplus apportioned while the insurance is in force under such nonforfeiture provision shall be applied in the manner set forth in the policy. |Laws 1957, p. 371, § 4007.
36 OK Stat § 36-4009 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4009. Nonforfeiture benefits.

|There shall be provisions for nonforfeiture benefits and cash surrender values as required by Section 4029 of this article. |Laws 1957, p. 372, § 4009.
36 OK Stat § 36-4010 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4010. Table of installments.

|There shall be a table showing the amount of installments in which the policy may provide its proceeds may be payable. |Laws 1957, p. 372, § 4010.
36 OK Stat § 36-4011 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4011. Reinstatement.

|There shall be a provision that unless the policy has been surrendered for its cash surrender value or unless the paid-up term insurance, if any, has expired, the policy will be reinstated at any time within three (3) years from the date of premium default upon written application therefor, the production of evidence of insurability satisfactory to the insurer, the payment of all premiums in arrears, with interest at a rate not exceeding six percent (6%) compounded annually, and the payment or reinstatement of any other indebtedness to the insurer upon the policy, with compound interest at the interest rate or rates which apply to policy loans between the due date of the premium first in default and the date of reinstatement. |Amended by Laws 1984, c. 149, § 14, eff. Nov. 1, 1984.
36 OK Stat § 36-4012 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4012. Payment of premiums.

|There shall be a provision that all premiums after the first shall be payable in advance, either at the home office of the company or to an agent of the company, upon the delivery of a receipt signed by one or more of the officers who shall be designated in the policy. |Laws 1957, p. 372, § 4012.
36 OK Stat § 36-4013 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4013. Payment of claims.

|There shall be a provision that when a policy shall become a claim by the death of the insured settlement shall be made upon receipt of due proof of death and, at the insurer's option, surrender of the policy and/or proof of the interest of the claimant. If an insurer shall specify a particular period prior to the expiration of which settlement shall be made, such period shall not exceed two months from the receipt of such proofs. |Laws 1957, p. 373, § 4013.
36 OK Stat § 36-4014 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4014. Policy title.

|There shall be a title on the face and on the back of the policy, briefly describing the same. |Laws 1957, p. 373, § 4014.
36 OK Stat § 36-4015 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4015. Excluded or restricted coverage.

|A clause in any policy of life insurance providing that such policy shall be incontestable after a specified period shall preclude only a contest of the validity of the policy, and shall not preclude the assertion at any time of defenses based upon provisions in the policy which exclude or restrict coverage, whether or not such restrictions or exclusions are excepted in such clause; nor shall it be construed to preclude adjustment at any time of the amount payable or benefits accruing under the policy for misstatement of age, whether or not such age adjustment provision is excepted in such clause. |Laws 1957, p. 373, § 4015.
36 OK Stat § 36-4016 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-4016. Standard provisions required in annuity and pure endowment contracts.

|A. No annuity or pure endowment contract, other than reversionary annuities, survivorship annuities or group annuities and except as stated herein, shall be delivered or issued for delivery in this state unless it contains in substance each of the provisions specified in Sections 4017 to 4022, inclusive, of this article. Any of such provisions not applicable to single premium annuities or single premium pure endowment contracts shall not, to that extent, be incorporated therein. |B. This section shall not apply to contracts for deferred annuities included in, or upon the lives of beneficiaries under, life insurance policies.Laws 1957, p. 373, § 4016.