reglab/housing_qa huggingface dataset:
V.I. Code tit. 22, § 835 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 835. Minor may give life insurance acquittance

 Any minor domiciled in this territory who has attained the age of 18 years shall be deemed competent to receive and to give full acquittance and discharge for periodical payments, in aggregate amount not exceeding $2,000 in any one year, made by a life insurer as benefits payable upon the death of the insured, and in compliance with the provisions of a life insurance policy or settlement agreement, if such policy or agreement specifically provides for payments direct to such minor. No such minor shall be deemed competent to alienate the right to, or to anticipate, such payments.
V.I. Code tit. 22, § 836 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 836. Simultaneous death; payment of proceeds; life insurance

 Where the individual insured and the beneficiary designated in a life insurance policy or policy insuring against accidental death have died and there is not sufficient evidence that they have died otherwise than simultaneously, the proceeds of the policy shall be distributed as if the insured had survived the beneficiary, unless otherwise expressly provided in the policy.
V.I. Code tit. 22, § 837 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 837. Exemption of disability insurance proceeds

 The proceeds or avails of all contracts of disability insurance and of provisions providing benefits on account of the insured's disability which are supplemental to life insurance or annuity contracts heretofore or hereafter effected shall be exempt from all liability for any debt of the insured, and from any debt of the beneficiary existing at the time the proceeds are made available for his use.
V.I. Code tit. 22, § 838 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 838. Exemption of life insurance proceeds

 (a) The lawful beneficiary, assignee, or payee of a life insurance policy, other than an annuity, heretofore or hereafter effected by any person on his own life, or on the life of another, in favor of a person other than himself, shall be entitled to the proceeds and avails of the policy against the creditors and representatives of the insured and of the person effecting the insurance, and such proceeds and avails shall also be exempt from all liability for any debt of such beneficiary, existing at the time the proceeds or avails are made available for his own use. (b) The provisions of subsection (a) of this section shall apply: (1) whether or not the right to change the beneficiary is reserved or permitted in the policy; or (2) whether or not the policy is made payable to the person whose life is insured or to his estate if the beneficiary, assignee or payee shall predecease such person; except, that this subsection shall not be construed so as to defeat any policy provision which provides for disposition of proceeds in the event the beneficiary shall predecease the insured. (c) The exemptions provided by subsection (a) of this section, subject to the statute of limitations, shall not apply: (1) to any claim to or interest in such proceeds or avails by or on behalf of the insured, or the person so effecting the insurance, or their administrators or executors, in whatever capacity such claim is made or such interest is asserted; (2) to any claim to or interest in such proceeds or avails by or on behalf of any person to whom rights thereto have been transferred with intent to defraud creditors; but an insurer shall be liable to all such creditors only as to amounts aggregating not to exceed the amount of such proceeds or avails remaining in the insurer's possession at the time the insurer receives at its home office written notice by or on behalf of such creditors, of claims to recover for such transfer, with specification of the amounts claimed; or (3) to so much of such proceeds or avails as equals the amount of any premiums or portion thereof paid for the insurance with intent to defraud creditors, with interest thereon, and if prior to the payment of such proceeds or avails the insurer has received at its home office written notice by or on behalf of the creditor, of a claim to recover for premiums paid with intent to defraud creditors, with specification of the amount claimed. (d) For the purposes of subsection (a) of this section a policy shall also be deemed to be payable to a person other than the insured if and to the extent that a facility-of-payment clause or similar clause in the policy permits the insurer to discharge its obligation after the death of the individual insured by paying the death benefits to a person as permitted by such clause. (e) No person shall be compelled to exercise any rights, powers, options or privileges under any such policy.
V.I. Code tit. 22, § 839 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 839. Exemption of group life insurance proceeds

 (a) A policy of group life insurance or the proceeds thereof payable to the individual insured or to the beneficiary thereunder shall not be liable, either before or after payment, to be applied to any legal or equitable process to pay any liability of any person having a right under the policy. The proceeds thereof, when not made payable to a named beneficiary or to a third person pursuant to a facility-of-payment clause, shall not constitute a part of the estate of the individual insured for the payment of his debts. (b) This section shall not apply to group life insurance policies issued to debtor groups pursuant to this title to the extent that such proceeds are applied to payment of the obligation for the purpose of which the insurance was so issued.
V.I. Code tit. 22, § 840 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 840. Exemption of proceeds, commutation; annuities

 (a) The benefits, rights, privileges and options which under any annuity contract heretofore or hereafter issued are due or prospectively due the annuitant who paid the consideration for the annuity contract shall not be subject to execution nor shall the annuitant be compelled to exercise any such rights, powers or options, nor shall creditors be allowed to interfere with or terminate the contract, except: (1) as to amounts paid for or as premium on any such annuity with intent to defraud creditors, with interest thereon, and of which the creditor has given the insurer written notice at its home office prior to the making of the payments to the annuitant out of which the creditor seeks to recover. Any such notice shall specify the amount claimed or such facts as will enable the insurer to ascertain such amount, and shall set forth such facts as will enable the insurer to ascertain the insurance or annuity contract, the person insured or annuitant and the payments sought to be avoided on the ground of fraud. (2) the total exemption of benefits presently due and payable to any annuitant periodically or at stated times under all annuity contracts under which he is an annuitant shall not at any time exceed $250 per month for the length of time represented by such installments, and that such periodic payment in excess of $250 per month shall be subject to garnishee execution to the same extent as are wages and salaries; and (3) if the total benefits presently due and payable to any annuitant under all annuity contracts under which he is an annuitant shall at any time exceed payment at the rate of $250 per month, then the court may order such annuitant to pay to a judgment creditor or apply on the judgment, in installments, such portion of such excess benefits as to the court may appear just and proper, after due regard for the reasonable requirements of the judgment debtor and his family, if dependent upon him, as well as any payments required to be made by the annuitant to other creditors under prior court orders. (b) The benefits, rights, privileges or option accruing under such contract to a beneficiary or assignee shall not be transferable nor subject to commutation, and if the benefits are payable periodically or at stated times the same exemptions and exceptions contained herein for the annuitant shall apply with respect to such beneficiary or assignee. (c) An annuity contract within the meaning of this section shall be any obligation to pay certain sums at stated times, during life or lives, or for a specified term or terms, issued for a valuable consideration, regardless of whether or not such sums are payable to one or more persons, jointly or otherwise, but does not include payments under life insurance contracts at stated times during life or lives, or for a specified term or terms.
V.I. Code tit. 22, § 841 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 841. Spouse's rights in life insurance policy

 (a) Every life insurance policy heretofore or hereafter made payable to or for the benefit of the spouse of the insured, and every life insurance policy heretofore or hereafter assigned, transferred, or in any way made payable to a spouse or to a trustee for the benefit of a spouse, regardless of how such assignment or transfer is procured, shall, unless contrary to the terms of the policy, inure to the separate use and benefit of such spouse; Provided, That the beneficial interest of a spouse in a policy upon the life of a child of the spouses, however such interest is created, shall be deemed to be a community interest and not a separate interest, unless expressly otherwise provided by the policy. (b) In any life insurance policy heretofore or hereafter issued upon the life of a spouse the designation heretofore or hereafter made by such spouse of a beneficiary in accordance with the terms of the policy shall create a presumption that such beneficiary was so designated with the consent of the other spouse, but only as to any beneficiary who is the child, parent, brother, or sister of either of the spouses. The insurer may in good faith rely upon the representations made by the insured as to the relationship to him of any such beneficiary.
V.I. Code tit. 22, § 842 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 842. Proof of loss; furnishing forms

 An insurer shall furnish, upon written request of any person claiming to have a loss under any insurance contract, forms of proof of loss for completion by such person. But such insurer shall not, by reason of the requirement so to furnish forms, have any responsibility for or with reference to the completion of such proof or the manner of any such completion or attempted completion.
V.I. Code tit. 22, § 843 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 843. Claims administration; waiver

 None of the following acts by or on behalf of an insurer shall be deemed to constitute a waiver of any provision of a policy or of any defense of the insurer thereunder: (1) acknowledgment of the receipt of notice of loss or of claim under the policy; (2) furnishing forms for reporting a loss or claim, for giving information relative thereto, or for making proof of loss, or receiving or acknowledging receipt of any such forms or proofs completed or uncompleted; or (3) investigating any loss or claim under any policy or engaging in negotiations looking toward a possible settlement of any such loss or claim.
V.I. Code tit. 22, § 844 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 844. Discrimination prohibited

 No insurer shall make or permit any unfair discrimination in favor of particular individuals or persons, or between insureds or subjects of insurance having substantially like insuring, risk, and exposure factors, or expense elements, in the terms or conditions of any insurance contract, or in the rate or amount of premium charged therefor, or in the benefits payable or in any other rights or privileges accruing thereunder. This provision shall not prohibit fair discrimination by a life insurer as between individuals having unequal expectations of life.
V.I. Code tit. 22, § 845 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 845. Validity of noncomplying forms

 Any insurance policy, rider, or endorsement hereafter issued and otherwise valid, which contains any condition or provision not in compliance with the requirements of the title, shall not be rendered invalid thereby, but shall be construed and applied in accordance with such conditions and provisions as would have applied had such policy, rider, or endorsement been in full compliance with this title.
V.I. Code tit. 22, § 846 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 846. Construction of policies

 Every insurance contract shall be construed according to the entirety of its terms and conditions as set forth in the policy, and as amplified, extended, or modified by any rider, endorsement, or application attached to and made a part of the policy.
V.I. Code tit. 22, § 851 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 851. Scope of chapter

 Nothing in this chapter shall apply to or affect— (1) any policy of Workers' Compensation Administration insurance or any policy of liability insurance with or without supplementary expense coverage therein; (2) any policy or contract of reinsurance; (3) any blanket or group policy of insurance; or (4) life insurance, endowment or annuity contracts, or contracts supplemental thereto which contain only such provisions relating to accident and sickness insurance as (a) provide additional benefits in case of death or dismemberment or loss of sight by accident, or as (b) operate to safeguard such contracts against lapse, or to give a special surrender value or special benefit or an annuity in the event that the insured or annuitant shall become totally and permanently disabled, as defined by the contract or supplemental contract.
V.I. Code tit. 22, § 852 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 852. Format of disability policies

 No disability policy shall be delivered or issued for delivery to any person in this territory unless it otherwise complies with this title, and complies with the following: (1) it shall purport to insure only one person, except as to family expense insurance written pursuant to section 883 of this title; (2) the style, arrangement and over-all appearance of the policy shall give no undue prominence to any portion of the text, and every printed portion of the text of the policy and of any endorsements or attached papers shall be plainly printed in light-faced type of a style in general use, the size of which shall be uniform and not less than 10 point with a lowercase unspaced alphabet length not less than 120 point (the “text” shall include all printed matter except the name and address of the insurer, name or title of the policy, the brief description if any, and caption and subcaptions); (3) the exception and reductions of indemnity shall be set forth in the policy and, other than those contained in sections 855 to 878, inclusive, of this title, shall be printed at the insurer's option, either included with the benefit provision to which they apply, or under an appropriate caption such as “Exceptions”, or “Exceptions and reductions”, except that if an exception or reduction specifically applies only to a particular benefit of the policy, a statement of such exception or reduction shall be included with the benefit provision to which it applies; (4) each such form, including riders and endorsements, shall be identified by a form number in the lower left-hand corner of the first page thereof; and (5) it shall contain no provision purporting to make any portion of the insurer's charter, rules, constitution, or bylaws a part of the policy unless such portion is set forth in full in the policy, except in the case of the incorporation of, or reference to, a statement of rates or classification of risks, or short-rate table filed with the Commissioner.
V.I. Code tit. 22, § 853 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 853. Policies issued by domestic insurer for delivery in another state

 If any policy is issued by a domestic insurer for delivery to a person resident in another territory or state, and if the Commissioner of Insurance or corresponding public official of such other territory or state has advised the Commissioner that any such policy is not subject to approval or disapproval by such official, the Commissioner may by ruling require that such policy meet the applicable standards set forth in this chapter and in chapter 33 of this title.
V.I. Code tit. 22, § 854 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 854. Standard provisions required; substitutions; captions

 Except as provided in section 813 of this title, each such policy delivered or issued for delivery to any person in this territory shall contain the provisions as specified in sections 855–866, inclusive, of this title, in the words in which the same appear; except, that the insurer may, at its option, substitute for one or more of such provisions corresponding provisions of different wording approved by the Commissioner which are in each instance not less favorable in any respect to the insured or the beneficiary. Each such provision shall be preceded by the applicable caption shown or, at the insurer's option, by such appropriate individual or group caption or subcaption as the Commissioner may approve.
V.I. Code tit. 22, § 855 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 855. Standard provision No. 1, entire contract; changes

 There shall be a provision as follows: “Entire contract; changes: This policy, including the endorsements and attached papers, if any, constitutes the entire contract of insurance. No change in this policy shall be valid until approved by an executive officer of the insurer and unless such approval be endorsed hereon or attached hereto. No agent has authority to change this policy or to waive any of its provisions.”
V.I. Code tit. 22, § 856 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 856. —No. 2, time limit on certain defenses

 There shall be a provision as follows: “Time limit on certain defenses: (a) After three years from the date of issue of this policy, no misstatements except fraudulent misstatements made by the applicant in the application for such policy shall be used to void the policy or to deny a claim for loss incurred or disability (as defined in the policy) commencing after the expiration of such three-year period.” (1) (The foregoing policy provisions shall not be so construed as to affect any legal requirements for avoidance of a policy or denial of a claim during such initial three-year period, not to limit the application of sections 868–872, inclusive, of this title in the event of misstatement with respect to age or occupation or other insurance.) (2) (A policy which the insured has the right to continue in force subject to its terms by the timely payment of premium (a) until at least age 50 or, (b) in the case of a policy issued after age 44, for at least five years from its date of issue, may contain in lieu of the following provision (from which the clause in parentheses may be omitted at the insurer's option) under the caption “Incontestable”: “After this policy has been in force for a period of three years during the lifetime of the insured (excluding any period during which the insured is disabled), it shall become incontestable as to the statements contained in the application.”) (b) “No claim for loss incurred or disability (as defined in the policy) commencing after three years from the date of issue of this policy shall be reduced or denied on the ground that a disease or physical condition not excluded from coverage by name or specific description effective on the date of loss had existed prior to the effective date of this policy.”
V.I. Code tit. 22, § 857 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 857. —No. 3, grace period

 There shall be a provision as follows: “Grace period: A grace period of—(insert a number not less than ‘7’ for weekly premium policies, ‘10’ for monthly premium policies, and ‘31’ for all other policies) days will be granted for the payment of each premium falling due after the first premium, during which grace period the policy shall continue in force. (A policy which contains a cancellation provision may add, at the end of the above provision: ‘subject to the right of the insurer to cancel in accordance with cancellation provision hereof’.”) A policy in which the insurer reserves the right to refuse any renewal shall have, at the beginning of the first above provision: “Unless not less than five days prior to the premium due date the insurer has delivered to the insured or has mailed to his last address as shown by the records of the insurer written notice of its intention not to renew this policy beyond the period for which the premium has been accepted.”
V.I. Code tit. 22, § 858 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 858. —No. 4, reinstatement

 There shall be a provision as follows: “Reinstatement: If any renewal premium be not paid within the time granted the insured for payment, a subsequent acceptance of premium by the insurer or by any agent duly authorized by the insurer to accept such premium, without requiring in connection therewith an application for reinstatement, shall reinstate the policy: Provided, however, That if the insurer or such agent requires an application for reinstatement and issues a conditional receipt for the premium tendered, the policy will be reinstated upon approval of such application by the insurer or, lacking such approval, upon the forty-fifth day following the date of such conditional receipt unless the insurer has previously notified the insured in writing of its disapproval of such application. The reinstated policy shall cover only loss resulting from such accidental injury as may be sustained after the date of reinstatement and loss due to such sickness as may begin more than ten days after such date. In all other respects the insured and the insurer shall have the same rights thereunder as they had under the policy immediately before the due date of the defaulted premium, subject to any provisions endorsed hereon or attached hereto in connection with the reinstatement. Any premium accepted in connection with a reinstatement shall be applied to a period for which premium has not been previously paid, but not to any period more than sixty days prior to the date of reinstatement.” (The last sentence of the above provision may be omitted from any policy which the insured has the right to continue in force subject to its terms by the timely payment of premiums (1) until at least age 50 or, (2) in the case of a policy issued after age 44, for at least 5 years from its date of issue.)