reglab/housing_qa huggingface dataset:
TN Code § 56-7-1502 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 15 - Medicare Supplement Policies|§ 56-7-1502. Applicability

  Except as otherwise specifically provided, this part applies to:  All medicare supplement policies delivered or issued for delivery in this state on or after July 1, 1992; and   All certificates issued under group medicare supplement policies, which certificates have been delivered or issued for delivery in this state.     This part does not apply to a policy of one (1) or more employers or labor organizations, or of the trustees of a fund established by one (1) or more employers or labor organizations, or combination of employers and labor organizations, for employees or former employees, or a combination of employees and former employees, or for members or former members, or a combination of members and former members, of the labor organizations.   Except as otherwise specifically provided in § 56-7-1505(d), this part is not intended to prohibit or apply to insurance policies or health care benefit plans, including group conversion policies, provided to medicare eligible persons, which policies are not marketed or held to be medicare supplement policies or benefit plans.
TN Code § 56-7-1504 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 15 - Medicare Supplement Policies|§ 56-7-1504. Benefits — Minimum Standards

 Medicare supplement policies shall return to policyholders benefits that are reasonable in relation to the premium charged. The commissioner shall promulgate reasonable rules and regulations to establish minimum standards for loss ratios of medicare supplement policies on the basis of incurred claims experience, or incurred health care expenses where coverage is provided by a health maintenance organization on a service rather than reimbursement basis, and earned premiums in accordance with accepted actuarial principles and practices. Every entity providing medicare supplement policies and certificates in this state shall file annually its rates, rating schedule, and supporting documentation demonstrating that it is in compliance with the applicable loss ratio standards of this state. All filings of rates and rating schedules shall demonstrate that the actual and expected losses in relation to premiums comply with the requirements of this part.
TN Code § 56-7-1505 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 15 - Medicare Supplement Policies|§ 56-7-1505. Disclosure — Outline of Coverage — Consumer Information

  In order to provide for full and fair disclosure in the sale of medicare supplement policies, no medicare supplement policy or certificate shall be delivered in this state unless an outline of coverage is delivered to the applicant upon request, but no later than when the agent first discusses the policy's provisions or limits of coverage with the applicant. In the case of direct response solicitation, the insurer shall include the outline of coverage when an application is distributed to the potential buyer.   The commissioner shall by rule or regulation prescribe the format and content of the outline of coverage required by subsection (a). For purposes of this section, “format” means style, arrangements and overall appearance, including such items as the size, color and prominence of type and arrangement of text and captions. The outline of coverage shall include:  A description of the principal benefits and coverage provided in the policy;   A statement of the renewal provisions, including any reservation by the issuer of a right to change premiums, and disclosure of the existence of any automatic renewal premium increases based on the policyholder's age; and   A statement that the outline of coverage is a summary of the policy issued or applied for and that the policy should be consulted to determine governing contractual provisions.     The commissioner shall prescribe by rule or regulation a standard form and the contents of an informational brochure for persons eligible for medicare, which is intended to improve the buyer's ability to select the most appropriate coverage and improve the buyer's understanding of medicare. Except in the case of direct response insurance policies, the commissioner may require by regulation that the informational brochure be provided to any prospective insureds eligible for medicare concurrently with delivery of the outline of coverage. With respect to direct response insurance policies, the commissioner may require by regulation that the prescribed brochure be provided upon request to any prospective insureds eligible for medicare but in no event later than the time of policy delivery.   The commissioner shall promulgate rules and regulations for captions or notice requirements, determined to be in the public interest and designed to inform prospective insureds that particular insurance coverages are not medicare supplement coverages, for all accident and sickness insurance policies sold to persons eligible for medicare other than:  Medicare supplement policies; or   Disability income policies.     The commissioner shall promulgate reasonable rules and regulations to govern the full and fair disclosure of the information in connection with the replacement of accident and sickness policies, subscriber contracts or certificates by persons eligible for medicare.
TN Code § 56-7-1506 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 15 - Medicare Supplement Policies|§ 56-7-1506. Notice — Right to Return — Refunds

 Medicare supplement policies and certificates shall have a notice prominently printed on the first page of the policy or certificate, or attached to the policy or certificate, stating in substance that the applicant has the right to return the policy or certificate within thirty (30) days of its delivery and to have the premium refunded if, after examination of the policy or certificate, the applicant is not satisfied for any reason. The insurer shall mail the refund directly to the applicant in a timely manner and shall not require the applicant to meet with the agent to receive the refund.
TN Code § 56-7-1507 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 15 - Medicare Supplement Policies|§ 56-7-1507. Review of Advertisements

 Every issuer of medicare supplement insurance policies or certificates in this state shall provide a copy of any medicare supplement advertisement intended for use in this state whether through written, radio or television medium to the commissioner for review or approval by the commissioner. The commissioner shall promulgate reasonable rules and regulations to implement this section.
TN Code § 56-7-1508 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 15 - Medicare Supplement Policies|§ 56-7-1508. Regulations Subject to Administrative Procedures Act

 Regulations adopted pursuant to this part are subject to the Uniform Administrative Procedures Act, compiled in title 4, chapter 5.
TN Code § 56-7-1509 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 15 - Medicare Supplement Policies|§ 56-7-1509. Violations of Part — Powers to Compel Compliance

 In addition to any other applicable penalties for violations set out in this title, the commissioner may require issuers violating this part or rules or regulations promulgated pursuant to this part to cease marketing any medicare supplement policy or certificate in this state that is related directly or indirectly to a violation, or may require the issuer to take actions necessary to comply with this part or both.
TN Code § 56-7-1601 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 16 - Easy to Read Life and Health Insurance Policy Act|§ 56-7-1601. Short Title

 This part shall be known and may be cited as the “Easy to Read Life and Health Insurance Policy Act.”
TN Code § 56-7-1602 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 16 - Easy to Read Life and Health Insurance Policy Act|§ 56-7-1602. Purpose of Part

  The purpose of this part is to establish minimum standards for language used in policies, contracts and certificates of life insurance, health insurance, credit life insurance and credit health insurance delivered or issued for delivery in this state to facilitate ease of reading by persons insured under the policies.    This part is not intended to increase the risk assumed by insurance companies or other entities subject to this part or to supersede their obligation to comply with the substance of other insurance legislation applicable to life, health, credit life or credit health insurance policies.   This part 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.
TN Code § 56-7-1603 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 16 - Easy to Read Life and Health Insurance Policy Act|§ 56-7-1603. Part Definitions

 As used in this part, unless the context otherwise requires:   “Company” or “insurer” means any life or health insurance company, fraternal benefit society, nonprofit health service corporation, nonprofit hospital service corporation, nonprofit medical service corporation, prepaid health plan, dental care plan, vision care plan, pharmaceutical plan, health maintenance organization, and all similar type organizations; and   “Policy” or “policy form” means:  Any policy, contract, plan or agreement of life or health insurance, including credit life insurance and credit health insurance, delivered or issued for delivery in this state by any company subject to this part;   Any certificate, contract or policy issued by a fraternal benefit society; and   Any certificate issued pursuant to a group insurance policy delivered or issued for delivery in this state.
TN Code § 56-7-1604 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 16 - Easy to Read Life and Health Insurance Policy Act|§ 56-7-1604. Applicability — Exceptions

  This part applies to all policies delivered or issued for delivery in this state by any company on or after the date the forms are subject to this part, but nothing in this part applies to:  Any policy that is a security subject to federal jurisdiction;   Any group policy covering a group of one thousand (1,000) or more lives at date of issue, other than a group credit life insurance policy or a group credit health insurance policy; provided, that this subsection (a) shall not exempt any certificate issued pursuant to a group policy delivered or issued for delivery in this state;   Any group annuity contract that serves as a funding vehicle for pension, profit-sharing, or deferred compensation plans;   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 the dates the forms must be approved under this part; or   The renewal of a policy delivered or issued for delivery prior to the dates the forms must be approved under this part.     No other statute of this state setting language simplification standards shall apply to any policy forms.   Any non-English language policy delivered or issued for delivery in this state shall be deemed to be in compliance with § 56-7-1605(a)(1) if the insurer certifies that the policy is translated from an English language policy that does comply with § 56-7-1605(a)(1).
TN Code § 56-7-1606 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 16 - Easy to Read Life and Health Insurance Policy Act|§ 56-7-1606. Issuance of Policy Form After Filing

 Nothing in this part 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.
TN Code § 56-7-1607 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 16 - Easy to Read Life and Health Insurance Policy Act|§ 56-7-1607. Authorization of Lower Reading Ease Test Scores

 The commissioner may authorize a lower score than the Flesch reading ease score required in § 56-7-1605(a)(1) whenever, in the commissioner's sole discretion, the commissioner finds that a lower score:   Will provide a more accurate reflection of the readability of a policy form;   Is warranted by the nature of a particular policy form or type or class of policy forms; or   Is caused by certain policy language that is drafted to conform to the requirements of any state law, regulation or agency interpretation.
TN Code § 56-7-1608 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 16 - Easy to Read Life and Health Insurance Policy Act|§ 56-7-1608. Approval of Policy Notwithstanding Other Laws

 A policy for meeting the requirements of § 56-7-1605(a) shall be approved, notwithstanding any other laws that specify the content of policies, if the policy form provides the policyholders and claimants protection not less favorable than they would be entitled to under such laws.
TN Code § 56-7-1609 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 16 - Easy to Read Life and Health Insurance Policy Act|§ 56-7-1609. Authority to Enforce

 The commissioner has sole authority to enforce this part or seek remedies for its violation.
TN Code § 56-7-1701 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 17 - Prepaid Dental Plans|§ 56-7-1701. Option to Select Alternative Coverage

 If a prepaid dental plan after May 3, 1983, offers group prepaid dental service for sale in this state, and the plan limits the provider dentists to designated dentists or groups of designated dentists, whether through regular dental insurance coverage, dental service plan coverage, or through a health maintenance organization or any other service plan organization, the employer or other entity that provides the plan for the benefit of its employees or members shall also offer to the employees or members, including their eligible dependents, the option of selecting alternative coverage that permits the covered persons to obtain dental services from any licensed dentist of their choice. In providing the alternative coverage, the employer or other entity shall pay for the dental benefits to the same extent as provided in the plan, but in no event shall it be required to pay for or contribute towards the provision of alternative coverage an amount greater than the premium or cost it pays or contributes to under the plan.
TN Code § 56-7-1702 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 17 - Prepaid Dental Plans|§ 56-7-1702. Benefits for Obtaining Second Professional Opinion

 Any prepaid dental plan that regularly provides benefits for obtaining a professional opinion of a dentist shall also provide equal benefits for obtaining a second professional opinion of a dentist regarding the same dental procedure or condition if it is requested by the person covered by the plan.
TN Code § 56-7-1801 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 18 - Cancellation of Commercial Risk Insurance Act|§ 56-7-1801. Short Title

 This part shall be known and may be cited as the “Cancellation of Commercial Risk Insurance Act.”
TN Code § 56-7-1802 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 18 - Cancellation of Commercial Risk Insurance Act|§ 56-7-1802. Part Definitions

 As used in this part, unless the context otherwise requires:    “Commercial risk insurance” means insurance within the scope of this part that is not “personal risk insurance,” as defined in § 56-5-102, and subject to the exclusions set out in § 56-5-101; and   “Commercial risk insurance” does not include fidelity and surety bonds, or insurance written by a surplus lines insurer; and     “Nonpayment of premium” means failure of the named insured to discharge when due any of its obligations in connection with the payment of premiums on a policy of commercial risk insurance or any installment of the premium, whether the premium is payable directly to the insurer or its agents or indirectly under any premium finance plan or extension of credit.
TN Code § 56-7-1803 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 18 - Cancellation of Commercial Risk Insurance Act|§ 56-7-1803. Prerequisites for Effective Notice of Cancellation

 After a commercial risk insurance policy has been in effect for sixty (60) days, or, if the policy is a renewal, effective immediately, no notice of cancellation shall be effective unless it is based on the occurrence, after the effective date of the policy, of one (1) or more of the following:   Nonpayment of premium, including nonpayment of any additional premiums, calculated in accordance with the current rating manual of the insurer, justified by a physical change in the insured property or a change in its occupancy or use;   Conviction of the named insured of a crime having as one (1) of its necessary elements an act increasing any hazard insured against;   Discovery of fraud or material misrepresentation on the part of either of the following:  The insured or the insured's representative in obtaining the insurance; or   The named insured in pursuing a claim under the policy;     Failure to comply with written loss control recommendations;   Material change in the risk that increases the risk of loss after insurance coverage has been issued or renewed;   Determination by the commissioner that the continuation of the policy would jeopardize a company's solvency or would place the insurer in violation of the insurance laws of this state or any other state;   Violation or breach by the insured of any policy terms or conditions; or   Other reasons that are approved by the commissioner.
TN Code § 56-7-1804 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 18 - Cancellation of Commercial Risk Insurance Act|§ 56-7-1804. Prerequisites for Effective Notice of Cancellation — Contents of Notices of Cancellation — Delivery of Notice

  No notice of cancellation of a commercial risk insurance policy shall be effective unless mailed by the insurer, its authorized agent, or employee, to the named insured as shown in the policy declarations at the address shown in the declarations.   If the cancellation is due to any of the items set forth in § 56-7-1803, or if the policy has been in effect less than sixty (60) days and is not a renewal policy, the cancellation shall be effective not less than ten (10) days after the date of mailing.   The mailing of notice shall be sufficient proof of notice. The effective date and hour of cancellation stated in the notice shall become the end of the policy period unless the insured shall surrender the policy and request cancellation prior to the date and hour specified in the cancellation notice.   Delivery of the written notice either by the agent or by the company shall be the equivalent of mailing.   All notices of cancellation shall state which of the grounds set forth in § 56-7-1803 are relied upon, and that upon written request of the named insured, the insurer shall furnish the facts on which the cancellation is based.   There shall be no liability on the part of, and no cause of action of any nature shall arise against, any insurer, its authorized representative, its agents, its employees, or any firm, person or corporation furnishing to the insurer information as to the reason for cancellation, for any statement made by any of them in any written notice of cancellation, for the providing of information pertaining to the cancellation, or for statements made or evidence submitted at any hearings conducted in connection with the cancellation.
TN Code § 56-7-1805 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 18 - Cancellation of Commercial Risk Insurance Act|§ 56-7-1805. Failure to Comply With Notice Requirements — Policy Extension — When Notice of Nonrenewal Not Required

  Unless the insurer, at least sixty (60) days in advance of the end of the policy period, mails or delivers to the named insured and agent at the address shown in the policy, notice of its intention not to renew the commercial risk policy or to condition its renewal on reduction of limits or elimination of coverages, the insurer is required to extend the existing policy sixty (60) days from the date the notice is provided. The premium for the policy provided in those circumstances shall be no more than a pro rata basis of the existing policy. Any commercial risk policy written for a term of less than one (1) year shall be considered as if written for a term of one (1) year. Any commercial risk policy written for a term longer than one (1) year, or any commercial risk policy with no fixed expiration date, shall be considered as if written for specific policy periods or terms of one (1) year.   Notice of nonrenewal is not required if:  The insurer has offered to issue a renewal policy; or   Where the named insured has obtained replacement coverage or has agreed in writing to obtain replacement coverage.     If an insurer provides the notice described in this section, and thereafter the insurer extends the policy for ninety (90) days or less, an additional notice of nonrenewal is not required with respect to the extension.
TN Code § 56-7-1806 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 18 - Cancellation of Commercial Risk Insurance Act|§ 56-7-1806. Revision of Rates

  In the event an insurance company intends to increase the premiums of a commercial risk policy by an amount that is more than twenty-five percent (25%) and the increase in premium is the result of comparing policies of equivalent exposures, the insurance company shall mail or deliver to the named insured and producer at the address shown on the policy, not less than sixty (60) days prior notice of its intention to increase the premiums, specifying the percentage of the increase.   Unless notice is provided as described in subsection (a), the insurer is required to extend the existing policy sixty (60) days from the date the notice is provided.   The premium for the policy provided in those circumstances shall be not more than a pro rata basis of the existing policy.
TN Code § 56-7-1807 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 18 - Cancellation of Commercial Risk Insurance Act|§ 56-7-1807. Noncompliance With This Part

 Failure to comply with this part shall be considered to be an unfair trade practice under § 56-8-104.
TN Code § 56-7-1808 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 18 - Cancellation of Commercial Risk Insurance Act|§ 56-7-1808. Promulgation of Rules and Regulations by Commissioner

  The commissioner may, after notice and hearing, promulgate rules and regulations to carry out this part.   The rulemaking authority includes the power to increase or decrease the time within which notice is required by this part.
TN Code § 56-7-1901 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 19 - Cancellation of Personal Risk Insurance|§ 56-7-1901. Notice of Intention Not to Renew

 Except as provided in § 56-7-1304, if an insurance company does not intend to renew a contract of any kind of personal risk insurance identified in § 56-5-102, the company shall mail or deliver to the named insured, at the address shown in the policy, notice of its intention not to renew at least thirty (30) days prior to the expiration of the policy.