reglab/housing_qa huggingface dataset:
NH Rev Stat § 408-A:8 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-A - Credit Life and Accident and Health Insurance|Section 408-A:8 - Premiums and Refunds.

    408-A:8 Premiums and Refunds. –||I. Each insurer issuing credit life insurance or credit accident and health insurance shall file with the commissioner its schedules of premium rates for use in connection with such insurance. Any insurer may revise such schedules from time to time, and shall file such revised schedules with the commissioner. No insurer shall issue any credit life insurance policy or credit accident and health insurance policy for which the premium rate exceeds that determined by the schedules of such insurer as then on file with the commissioner. The commissioner may require the filing of the schedule of premium rates for use in connection with and as a part of the specific policy filings as provided by RSA 408-A:7.||II. Each individual policy, group certificate or notice of proposed insurance shall provide that in the event of termination of the insurance prior to the scheduled maturity date of the indebtedness, any refund of an amount paid by the debtor for insurance shall be paid or credited promptly to the person entitled thereto within 30 days from the termination of the insurance; provided, however, that the commissioner shall prescribe a minimum refund and no refund which would be less than such minimum need be made. The formula to be used in computing such refund shall be filed with and approved by the commissioner. For any refund which is not paid within this 30-day period, the person to whom the premium is owed shall be entitled to interest beginning on day 31, at the legal rate.||II-a. [Repealed.]||II-b. [Repealed.]||III. If a creditor requires a debtor to make any payment for credit life insurance or credit accident and health insurance and an individual policy or group certificate of insurance is not issued, the creditor shall immediately give written notice to such debtor and shall promptly make an appropriate credit to the account.||IV. The amount charged to a debtor for credit life or credit health and accident insurance shall not exceed the premium charged by the insurer, as computed at the time the charge to the debtor is determined.|||Source. 1959, 66:1. 1988, 221:2. 1989, 173:2, eff. July 1, 1989.|
NH Rev Stat § 408-A:9 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-A - Credit Life and Accident and Health Insurance|Section 408-A:9 - Issuance of Policies.

    408-A:9 Issuance of Policies. –||All policies of credit life insurance and credit accident and health insurance shall be delivered or issued for delivery in this state only by an insurer authorized to do an insurance business therein, and shall be issued only through holders of licenses or authorizations issued by the commissioner.|||Source. 1959, 66:1, eff. June 22, 1959.|
NH Rev Stat § 408-A:10 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-A - Credit Life and Accident and Health Insurance|Section 408-A:10 - Claims.

    408-A:10 Claims. –||I. All claims shall be promptly reported to the insurer or its designated claim representative, and the insurer shall maintain adequate claim files. All claims shall be settled as soon as possible and in accordance with the terms of the insurance contract.||II. All claims shall be paid either by draft drawn upon the insurer or by check of the insurer to the order of the claimant to whom payment of the claim is due pursuant to the policy provisions, or upon direction of such claimant to one specified.||III. No plan or arrangement shall be used whereby any person, firm or corporation other than the insurer or its designated claim representative shall be authorized to settle or adjust claims. The creditor shall not be designated as claim representative for the insurer in adjusting claims; provided, that a group policyholder may, by arrangement with the group insurer, draw drafts or checks in payment of claims due to the group policyholder subject to audit and review by the insurer.|||Source. 1959, 66:1, eff. June 22, 1959.|
NH Rev Stat § 408-A:11 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-A - Credit Life and Accident and Health Insurance|Section 408-A:11 - Existing Insurance, Choice of Insurer.

    408-A:11 Existing Insurance, Choice of Insurer. –||When credit life insurance or credit accident and health insurance is required as additional security for any indebtedness, the debtor shall, upon request to the creditor, have the option of furnishing the required amount of insurance through existing policies of insurance owned or controlled by him or of procuring and furnishing the required coverage through any insurer authorized to transact an insurance business within this state.|||Source. 1959, 66:1, eff. June 22, 1959.|
NH Rev Stat § 408-A:12 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-A - Credit Life and Accident and Health Insurance|Section 408-A:12 - Enforcement.

    408-A:12 Enforcement. –||The commissioner may, after notice and hearing, issue such rules and regulations as he deems appropriate for the supervision of this chapter. Whenever the commissioner finds that there has been a violation of this chapter or any rules or regulations issued pursuant thereto, and after written notice thereof and hearing given to the insurer or other person authorized or licensed by the commissioner, he shall set forth the details of his findings together with an order for compliance by a specified date. Such order shall be binding on the insurer and other person authorized or licensed by the commissioner on the date specified unless sooner withdrawn by the commissioner or a stay thereof has been ordered by a court of competent jurisdiction.|||Source. 1959, 66:1, eff. June 22, 1959.|
NH Rev Stat § 408-A:13 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-A - Credit Life and Accident and Health Insurance|Section 408-A:13 - Judicial Review.

    408-A:13 Judicial Review. –||Any party to the proceeding affected by an order of the commissioner shall be entitled to a rehearing and appeal in accordance with the provisions of RSA 541.|||Source. 1959, 66:1, eff. June 22, 1959.|
NH Rev Stat § 408-A:14 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-A - Credit Life and Accident and Health Insurance|Section 408-A:14 - Penalties.

    408-A:14 Penalties. –||In addition to any other penalty provided by law, any person who violates an order of the commissioner after it has become final, and while such order is in effect, shall, upon proof thereof to the satisfaction of the court, forfeit and pay to the state of New Hampshire a sum not to exceed $250 which may be recovered in a civil action, except that if such violation is found to be willful, the amount of such penalty shall be a sum not to exceed $1,000. The commissioner, in his discretion, may revoke or suspend the license or certificate of authority of the person guilty of such violation. Such order for suspension or revocation shall be upon notice and hearing, and shall be subject to judicial review as provided in RSA 408-A:13.|||Source. 1959, 66:1, eff. June 22, 1959.|
NH Rev Stat § 408-A:15 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-A - Credit Life and Accident and Health Insurance|Section 408-A:15 - Separability Provision.

    408-A:15 Separability Provision. –||If any provision of this chapter, or the application of such provision of any person or circumstances, shall be held invalid, the remainder of the chapter, and the application of such provision to any person or circumstances other than those as to which it is held invalid, shall not be affected thereby.|||Source. 1959, 66:1, eff. June 22, 1959.|
NH Rev Stat § 408-B:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-B - Life and Health Insurance Guaranty Association of 1996|Section 408-B:1 - Title.

    408-B:1 Title. –||This chapter shall be known and may be cited as the New Hampshire Life and Health Insurance Guaranty Association Act of 1996.|||Source. 1995, 305:1, eff. Jan. 1, 1996.|
NH Rev Stat § 408-B:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-B - Life and Health Insurance Guaranty Association of 1996|Section 408-B:2 - Purpose.

    408-B:2 Purpose. –||I. The purpose of this chapter is to protect, subject to certain limitations, the persons specified in RSA 408-B:5, I against failure in the performance of contractual obligations, under life and health insurance policies and annuity contracts specified in RSA 408-B:5, II, because of the impairment or insolvency of the member insurer that issued the policies or contracts.||II. To provide this protection, an association of insurers is created to pay benefits and to continue coverages as limited herein, and members of the association are subject to assessment to provide funds to carry out the purpose of this chapter.|||Source. 1995, 305:1, eff. Jan. 1, 1996.|
NH Rev Stat § 408-B:3 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-B - Life and Health Insurance Guaranty Association of 1996|Section 408-B:3 - Construction.

    408-B:3 Construction. –||This chapter shall be liberally construed to effect the purpose under RSA 408-B:2 which shall constitute an aid and guide to interpretation.|||Source. 1995, 305:1, eff. Jan. 1, 1996.|
NH Rev Stat § 408-B:6 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-B - Life and Health Insurance Guaranty Association of 1996|Section 408-B:6 - Creation of the Association.

    408-B:6 Creation of the Association. –||I. There is created a nonprofit legal entity to be known as the New Hampshire life and health insurance guaranty association, which shall be the same association created under RSA 404-D:6. All member insurers shall be and remain members of the association as a condition of their authority to transact insurance in this state. The association shall perform its functions under the plan of operation established and approved under RSA 408-B:10 and shall exercise its powers through a board of directors established under RSA 408-B:7. For purposes of administration and assessment, the association shall maintain 2 accounts:||(a) The life insurance and annuity account which includes the following subaccounts:||(1) Life insurance account;||(2) Annuity account, which shall include annuity contracts owned by a governmental retirement plan (or its trustee) established under Section 401, 403(b) or 457 of the United States Internal Revenue Code, but shall otherwise excluded unallocated annuities; and||(3) Unallocated annuity account which shall exclude contracts owned by a governmental retirement benefit plan, or its trustee established under Section 401, 403(b), or 457 of the United States Internal Revenue Code.||(b) The health insurance account.||II. The association shall come under the immediate supervision of the commissioner and shall be subject to the applicable provisions of the insurance laws of this state. Meetings or records of the association may be opened to the public upon majority vote of the board of directors of the association.|||Source. 1995, 305:1. 1997, 167:1. 2015, 205:4, eff. Sept. 4, 2015.|
NH Rev Stat § 408-B:7 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-B - Life and Health Insurance Guaranty Association of 1996|Section 408-B:7 - Board of Directors.

    408-B:7 Board of Directors. –||I. The board of directors of the association shall consist of not less than 5 nor more than 9 member insurers serving terms as established in the plan of operation. The members of the board shall be selected by member insurers subject to the approval of the commissioner. Vacancies on the board shall be filled for the remaining period of the term by a majority vote of the remaining board members, subject to the approval of the commissioner.||II. In approving selections or in appointing members to the board, the commissioner shall consider, among other things, whether all member insurers are fairly represented.||III. Members of the board may be reimbursed from the assets of the association for expense incurred by them as members of the board of directors but members of the board shall not otherwise be compensated by the association for their services.|||Source. 1995, 305:1. 1997, 167:2, eff. Aug. 8, 1997.|
NH Rev Stat § 408-B:10 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-B - Life and Health Insurance Guaranty Association of 1996|Section 408-B:10 - Plan of Operation.

    408-B:10 Plan of Operation. –||I. (a) The association shall submit to the commissioner a plan of operation and any amendments thereto necessary or suitable to assure the fair, reasonable and equitable administration of the association. The plan of operation and any amendments thereto shall become effective upon the commissioner's written approval or unless the commissioner has not disapproved it within 30 days.||(b) If the association fails to submit a suitable plan of operation within 120 days after January 1, 1996, or if at any time thereafter the association fails to submit suitable amendments to the plan, the commissioner shall, after notice and hearing, adopt such reasonable rules under RSA 541-A as are necessary or advisable to effectuate the provisions of this chapter. The rules shall continue in force until modified by the commissioner or superseded by a plan submitted by the association and approved by the commissioner.||II. All member insurers shall comply with the plan of operation.||III. The plan of operation shall, in addition to requirements enumerated elsewhere in this chapter:||(a) Establish procedures for handling the assets of the association.||(b) Establish the amount and method of reimbursing members of the board of directors under RSA 408-B:7.||(c) Establish regular places and times for meetings including telephone conference calls of the board of directors.||(d) Establish procedures for records to be kept of all financial transactions of the association, its agents, and the board of directors.||(e) Establish the procedures whereby selections for the board of directors will be made and submitted to the commissioner.||(f) Establish any additional procedure for assessments under RSA 408-B:9.||(g) Contain additional provisions necessary or proper for the execution of the powers and duties of the association.||IV. The plan of operation may provide that any or all powers and duties of the association, except those under RSA 408-B:8, XIII(c) and RSA 408-B:9, are delegated to a corporation, association or other organization which performs or will perform functions similar to those of this association, or its equivalent, in 2 or more states. Such a corporation, association, or organization shall be reimbursed for any payments made on behalf of the association and shall be paid for its performance of any function of the association. A delegation under this paragraph shall take effect only with the approval of both the board of directors and the commissioner, and may be made only to a corporation, association, or organization which extends protection not substantially less favorable and effective than that provided by this chapter.|||Source. 1995, 305:1, eff. Jan. 1, 1996.|
NH Rev Stat § 408-B:11 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-B - Life and Health Insurance Guaranty Association of 1996|Section 408-B:11 - Duties and Powers of the Commissioner.

    408-B:11 Duties and Powers of the Commissioner. –||In addition to the duties and powers enumerated elsewhere in this chapter:||I. The commissioner shall:||(a) Upon request of the board of directors, provide the association with a statement of the premiums in this and any other appropriate states for each member insurer.||(b) When an impairment is declared and the amount of the impairment is determined, serve a demand upon the impaired insurer to make good the impairment within a reasonable time; notice to the impaired insurer shall constitute notice to its shareholders, if any; the failure of the insurer to promptly comply with such demand shall not excuse the association from the performance of its powers and duties under this chapter.||(c) In any liquidation or rehabilitation proceeding involving a domestic insurer, be appointed as the liquidator or rehabilitator.||II. The commissioner may suspend or revoke, after notice and hearing, the certificate of authority to transact insurance in this state of any member insurer which fails to pay an assessment when due or fails to comply with the plan of operation. As an alternative, the commissioner may levy a forfeiture on any member insurer which fails to pay an assessment when due. Such forfeiture shall not exceed 5 percent of the unpaid assessment per month, but no forfeiture shall be less than $100 per month.||III. Any action of the board of directors or the association may be appealed to the commissioner by any member insurer if the appeal is taken within 60 days of the final action being appealed. If a member company is appealing an assessment, the amount assessed shall be paid to the association and available to meet association obligations during the pendancy of an appeal. If the appeal on the assessment is upheld, the amount paid in error or excess shall be returned to the member company. Any final action or order of the commissioner shall be subject to judicial review in a court of competent jurisdiction.||IV. The liquidator, rehabilitator, or conservator of any impaired insurer may notify all interested persons of the effect of this chapter.|||Source. 1995, 305:1, eff. Jan. 1, 1996.|
NH Rev Stat § 408-B:13 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-B - Life and Health Insurance Guaranty Association of 1996|Section 408-B:13 - Credits for Assessments Paid.

    408-B:13 Credits for Assessments Paid. –||I. A member insurer may offset against its tax liability under RSA 400-A any assessment described in RSA 408-B:9, II(b) for the life insurance and annuity account, and for the health account for guaranteeing the performance of contractual obligations of an impaired or insolvent insurer in regard to disability income coverages only, to the extent of 20 percent of the amount of the assessment for each of the 5 calendar years following the year in which the assessment was paid. If a member insurer ceases doing business, all uncredited assessments described above may be credited against its tax liability under RSA 400-A for the year it ceases doing business.||II. Any sums acquired by refund from the association by member insurers, as stated in RSA 408-B:9, VI, and which were previously offset against taxes as described in paragraph I, shall be paid by these insurers to the state of New Hampshire in the manner required by the commissioner. The association shall notify the commissioner that refunds have been made.|||Source. 1995, 305:1. 1996, 188:20, eff. Jan. 1, 1997.|
NH Rev Stat § 408-B:15 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-B - Life and Health Insurance Guaranty Association of 1996|Section 408-B:15 - Examination of the Association; Annual Report.

    408-B:15 Examination of the Association;  Annual Report. –||The association shall be subject to examination and regulation by the commissioner. The board of directors shall submit to the commissioner each year, not later than 120 days after the association's fiscal year, a financial report in a form approved by the commissioner and a report of its activities during the preceding fiscal year.|||Source. 1995, 305:1, eff. Jan. 1, 1996.|
NH Rev Stat § 408-B:16 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-B - Life and Health Insurance Guaranty Association of 1996|Section 408-B:16 - Tax Exemptions.

    408-B:16 Tax Exemptions. –||The association shall be exempt from payment of all fees and all taxes levied by this state or any of its subdivisions, except taxes levied on real property.|||Source. 1995, 305:1, eff. Jan. 1, 1996.|
NH Rev Stat § 408-B:17 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-B - Life and Health Insurance Guaranty Association of 1996|Section 408-B:17 - Immunity.

    408-B:17 Immunity. –||There shall be no liability on the part of and no cause of action of any nature shall arise against any member insurer or its agents or employees, the association or its agents or employees, members of the board of directors, or the commissioner or the commissioner's representatives, for any action or omission by them in the performance of their powers and duties under this chapter. Such immunity shall extend to the participation in any organization of one or more other state associations of similar purposes and to any such organization and its agents or employees.|||Source. 1995, 305:1, eff. Jan. 1, 1996.|
NH Rev Stat § 408-B:18 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-B - Life and Health Insurance Guaranty Association of 1996|Section 408-B:18 - Stay of Proceedings; Reopening Default Judgments.

    408-B:18 Stay of Proceedings;  Reopening Default Judgments. –||All proceedings in which the insolvent insurer is a party in any court in this state shall be stayed 60 days from the date an order of liquidation, rehabilitation or conservation is final to permit proper legal action by the association on any matters germane to its powers or duties. As to judgment under any decision, order, verdict, or finding based on default, the association may apply to have such judgment set aside by the same court that made such judgment and shall be permitted to defend against such suit on the merits.|||Source. 1995, 305:1, eff. Jan. 1, 1996.|
NH Rev Stat § 408-B:20 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-B - Life and Health Insurance Guaranty Association of 1996|Section 408-B:20 - Prospective Application.

    408-B:20 Prospective Application. –||This chapter shall not apply to any insurer which is insolvent or unable to fulfill its contractual obligations on January 1, 1996.|||Source. 1995, 305:1, eff. Jan. 1, 1996.|
NH Rev Stat § 408-C:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408-C - Interstate Insurance Product Compact|Section 408-C:1 - Purposes.

    408-C:1 Purposes. –||The purposes of this compact are, through means of joint and cooperative action among the compacting states:||I. To promote and protect the interest of consumers of individual and group annuity, life insurance, disability income and long-term care insurance products.||II. To develop uniform standards for insurance products covered under the compact.||III. To establish a central clearinghouse to receive and provide prompt review of insurance products covered under the compact and in certain cases, advertisements related thereto, submitted by insurers authorized to do business in one or more compacting states.||IV. To give appropriate regulatory approval to those product filings and advertisements satisfying the applicable uniform standard.||V. To improve coordination of regulatory resources and expertise between state insurance departments regarding the setting of uniform standards and review of insurance products covered under the compact.||VI. To create the Interstate Insurance Product Regulation Commission.||VII. To perform these and such other related functions as may be consistent with the state regulation of the business of insurance.|||Source. 2004, 196:2, eff. Aug. 6, 2004.|