reglab/housing_qa huggingface dataset:
18 DE Code § 2941. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 29. Life Insurance and Annuity Contracts|§ 2941. Notification and reasons for cancellation [For application of this section, see 79 Del. Laws, c. 390, § 8].

§ 2941. Notification and reasons for cancellation [For application of this section, see 79 Del. Laws, c. 390, § 8]. A notice of cancellation of life insurance coverage by an insurer due to nonpayment of premiums shall be in writing, shall be delivered to the named policyholder or mailed to the named policyholder at the last known address of the named policyholder, shall state the effective date of the cancellation and shall be accompanied by a written explanation of the specific reasons for the cancellation. Proof of mailing of such cancellation notice shall be retained by the insurer for a period of not less than 1 year. 79 Del. Laws, c. 390, §  1;
18 DE Code § 3001. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 30. Interstate Insurance Product Regulation Compact|§ 3001. Interstate Insurance Product Regulation Compact.

§ 3001. Interstate Insurance Product Regulation Compact. The State hereby enters into the Interstate Insurance Product Regulation Compact (“Compact”) as set forth in this chapter. The text of the Compact is as set forth in this chapter. 83 Del. Laws, c. 103, § 1;
18 DE Code § 3002. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 30. Interstate Insurance Product Regulation Compact|§ 3002. Purpose and intent.

§ 3002. Purpose and intent. The purposes of this Compact are, through means of joint and cooperative action among the compacting states, all of the following:  (1) To promote and protect the interest of consumers of individual and group annuity, life insurance, disability income, and long-term care insurance products. (2) To develop uniform standards for insurance products covered under the Compact. (3) 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 1 or more compacting states. (4) To give appropriate regulatory approval to those product filings and advertisements satisfying the applicable uniform standard. (5) 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. (6) To create the Interstate Insurance Product Regulation Commission. (7) To perform these and such other related functions as may be consistent with the state regulation of the business of insurance.83 Del. Laws, c. 103, § 1;
18 DE Code § 3004. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 30. Interstate Insurance Product Regulation Compact|§ 3004. Establishment of the Commission and venue.

§ 3004. Establishment of the Commission and venue. (a) The compacting states hereby create and establish a joint public agency known as the “Interstate Insurance Product Regulation Commission.” Pursuant to § 3005 of this title, the Commission will have the power to develop uniform standards for product lines, receive and provide prompt review of products filed therewith, and give approval to those product filings satisfying applicable uniform standards; provided, it is not intended for the Commission to be the exclusive entity for receipt and review of insurance product filings. Nothing herein shall prohibit any insurer from filing its product in any state wherein the insurer is licensed to conduct the business of insurance, and any such filing shall be subject to the laws of the state where filed. (b) The Commission is a body corporate and politic, and an instrumentality of the compacting states. (c) The Commission is solely responsible for its liabilities except as otherwise specifically provided in this Compact. (d) Venue is proper and judicial proceedings by or against the Commission shall be brought solely and exclusively in a court of competent jurisdiction where the principal office of the Commission is located. 83 Del. Laws, c. 103, § 1;
18 DE Code § 3007. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 30. Interstate Insurance Product Regulation Compact|§ 3007. Meetings and acts of the Commission.

§ 3007. Meetings and acts of the Commission. (a) The Commission shall meet and take such actions as are consistent with the provision of this Compact and the bylaws. (b) Each member of the Commission shall have the right and power to cast a vote to which that compacting state is entitled and to participate in the business and affairs of the Commission. A member shall vote in person or by such other means as provided in the bylaws. The bylaws may provide for members' participation in meetings by telephone or other means of communication. (c) The Commission shall meet at least once during each calendar year. Additional meetings shall be held as set forth in the bylaws. 83 Del. Laws, c. 103, § 1;
18 DE Code § 3010. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 30. Interstate Insurance Product Regulation Compact|§ 3010. Dispute resolution.

§ 3010. Dispute resolution. The Commission shall attempt, upon the request of a member, to resolve any disputes or other issues that are subject to this Compact and which may arise between 2 or more compacting states, or between compacting states and non-compacting states, and the Commission shall promulgate an operating procedure providing for resolution of such disputes. 83 Del. Laws, c. 103, § 1;
18 DE Code § 3011. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 30. Interstate Insurance Product Regulation Compact|§ 3011. Product filing and approval.

§ 3011. Product filing and approval. (a) Insurers and third-party filers seeking to have a product approved by the Commission shall file the product with, and pay applicable filing fees to, the Commission. Nothing in this chapter shall be construed to restrict or otherwise prevent an insurer from filing its product with the insurance department in any state wherein the insurer is licensed to conduct the business of insurance, and such filing shall be subject to the laws of the states where filed. (b) The Commission shall establish appropriate filing and review processes and procedures pursuant to Commission rules and operating procedures. Notwithstanding any provision herein to the contrary, the Commission shall promulgate rules to establish conditions and procedures under which the Commission will provide public access to product filing information. In establishing such rules, the Commission shall consider the interests of the public in having access to such information, as well as protection of personal medical and financial information and trade secrets, that may be contained in a product filing or supporting information. (c) Any product approved by the Commission may be sold or otherwise issued in those compacting states for which the insurer is legally authorized to do business. 83 Del. Laws, c. 103, § 1;
18 DE Code § 3012. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 30. Interstate Insurance Product Regulation Compact|§ 3012. Review of Commission decisions regarding filings.

§ 3012. Review of Commission decisions regarding filings. (a) Not later than 30 days after the Commission has given notice of a disapproved product or advertisement filed with the Commission, the insurer or third-party filer whose filing was disapproved may appeal the determination to a review panel appointed by the Commission. The Commission shall promulgate rules to establish procedures for appointing such review panels and provide for notice and hearing. An allegation that the Commission, in disapproving a product or advertisement filed with the Commission, acted arbitrarily, capriciously, or in a manner that is an abuse of discretion or otherwise not in accordance with the law, is subject to judicial review in accordance with § 3004(d) of this title. (b) The Commission shall have authority to monitor, review and reconsider products and advertisement subsequent to their filing or approval upon a finding that the product does not meet the relevant uniform standard. Where appropriate, the Commission may withdraw or modify its approval after proper notice and hearing, subject to the appeal process in subsection (a) of this section. 83 Del. Laws, c. 103, § 1;
18 DE Code § 3013. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 30. Interstate Insurance Product Regulation Compact|§ 3013. Finance.

§ 3013. Finance. (a) The Commission shall pay or provide for the payment of the reasonable expenses of its establishment and organization. To fund the cost of its initial operations, the Commission may accept contributions and other forms of funding from the NAIC, compacting states and other sources. Contributions and other forms of funding from other sources shall be of such a nature that the independence of the Commission concerning the performance of its duties shall not be compromised. (b) The Commission shall collect a filing fee from each insurer and third-party filer filing a product with the Commission to cover the cost of the operations and activities of the Commission and its staff in a total amount sufficient to cover the Commission's annual budget. (c) The Commission's budget for a fiscal year shall not be approved until it has been subject to notice and comment as set forth in § 3008 of this title. (d) The Commission shall be exempt from all taxation in and by the compacting states. (e) The Commission shall not pledge the credit of any compacting state, except by and with the appropriate legal authority of that compacting state. (f) The Commission shall keep complete and accurate accounts of all its internal receipts, including grants and donations, and disbursements of all funds under its control. The internal financial accounts of the Commission shall be subject to the accounting procedures established under its bylaws. The financial accounts and reports including the system of internal controls and procedures of the Commission shall be audited annually by an independent certified public accountant. Upon the determination of the Commission, but no less frequently than every 3 years, the review of the independent auditor shall include a management and performance audit of the Commission. The Commission shall make an annual report to the Governor and legislature of the compacting states, which shall include a report of the independent audit. The Commission's internal accounts shall not be confidential and such materials may be shared with the commissioner of any compacting state upon request; provided, however, that any work papers related to any internal or independent audit and any information regarding the privacy of individuals' and insurers' proprietary information, including trade secrets, shall remain confidential. (g) No compacting state shall have any claim to or ownership of any property held by or vested in the Commission or to any Commission funds held pursuant to the provisions of this Compact. 83 Del. Laws, c. 103, § 1;
18 DE Code § 3014. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 30. Interstate Insurance Product Regulation Compact|§ 3014. Compacting states, effective date and amendment.

§ 3014. Compacting states, effective date and amendment. (a) Any state is eligible to become a compacting state. (b) The Compact shall become effective and binding upon legislative enactment of the Compact into law by 2 compacting states; provided, the Commission shall become effective for purposes of adopting uniform standards for, reviewing, and giving approval or disapproval of, products filed with the Commission that satisfy applicable uniform standards only after 26 states are compacting states or, alternatively, by states representing greater than 40% of the premium volume for life insurance, annuity, disability income and long-term care insurance products, based on records of the NAIC for the prior year. Thereafter, it shall become effective and binding as to any other compacting state upon enactment of the Compact into law by that state. (c) Amendments to the Compact may be proposed by the Commission for enactment by the compacting states. No amendment shall become effective and binding upon the Commission and the compacting states unless and until all compacting states enact the amendment into law. 83 Del. Laws, c. 103, § 1;
18 DE Code § 3016. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 30. Interstate Insurance Product Regulation Compact|§ 3016. Severability and construction.

§ 3016. Severability and construction. (a) The provisions of this Compact shall be severable, and if any phrase, clause, sentence, or provision is deemed unenforceable, the remaining provisions of the Compact shall be enforceable. (b) The provisions of this Compact shall be liberally construed to effectuate its purposes. 83 Del. Laws, c. 103, § 1;
18 DE Code § 3017. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 30. Interstate Insurance Product Regulation Compact|§ 3017. Binding effect of Compact and other laws.

§ 3017. Binding effect of Compact and other laws. (a) Other laws. — (1) Nothing herein prevents the enforcement of any other law of a compacting state, except as provided in paragraph (a)(2) of this section. (2) For any product approved or certified to the Commission, the rules, uniform standards and any other requirements of the Commission shall constitute the exclusive provisions applicable to the content, approval and certification of such products. For an advertisement that is subject to the Commission's authority, any rule, uniform standard or other requirement of the Commission which governs the content of the advertisement shall constitute the exclusive provision that a commissioner may apply to the content of the advertisement. Notwithstanding the foregoing, no action taken by the Commission shall abrogate or restrict any of the following:  a. The access of any person to state courts. b. Remedies available under state law related to breach of contract, tort, or other laws not specifically directed to the content of the product. c. State law relating to the construction of insurance contracts.  d. The authority of the attorney general of the state, including maintaining any actions or proceedings, as authorized by law. (3) All insurance products filed with individual states shall be subject to the laws of those states. (b) Binding effect of this Compact. — (1) All lawful actions of the Commission, including all rules and operating procedures promulgated by the Commission, are binding upon the compacting states. (2) All agreements between the Commission and the compacting states are binding in accordance with their terms. (3) Upon the request of a party to a conflict over the meaning or interpretation of Commission actions, and upon a majority vote of the compacting states, the Commission may issue advisory opinions regarding the meaning or interpretation in dispute. (4) In the event any provision of this Compact exceeds the constitutional limits imposed on the legislature of any compacting state, the obligations, duties, powers, or jurisdiction sought to be conferred by that provision upon the Commission shall be ineffective as to that compacting state, and those obligations, duties, powers, or jurisdiction shall remain in the compacting state and shall be exercised by the agency thereof to which those obligations, duties, powers or jurisdiction are delegated by law in effect at the time this Compact becomes effective.83 Del. Laws, c. 103, § 1;
18 DE Code § 3018. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 30. Interstate Insurance Product Regulation Compact|§ 3018. Appointment of state representative.

§ 3018. Appointment of state representative. The Insurance Commissioner of the State of Delaware is hereby designated to serve as the representative of this State to the Commission. 83 Del. Laws, c. 103, § 1;
18 DE Code § 3101. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 31. Group Life Insurance|§ 3101. Group policies must meet group requirements.

§ 3101. Group policies must meet group requirements. Except as provided in § 3109 of this title, no policy of group life insurance shall be delivered in this State unless it conforms to 1 of the descriptions contained in §§ 3102-3108 of this title. 18 Del. C. 1953, §  3102;  56 Del. Laws, c. 380, §  1;  65 Del. Laws, c. 480, §  1;
18 DE Code § 3102. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 31. Group Life Insurance|§ 3102. Employee groups.

§ 3102. Employee groups. A policy may be issued to an employer, or to the trustees of a fund established by an employer, which employer or trustees shall be deemed the policyholder, to insure employees of the employer for the benefit of persons other than the employer, subject to the following requirements:  (1) The employees eligible for insurance under the policy shall be all of the employees of the employer, or all of any class or classes thereof. The policy may provide that the term “employees” shall include the employees of 1 or more subsidiary corporations, and the employees, individual proprietors, and partners of 1 or more affiliated corporations, proprietorships or partnerships if the business of the employer and of such affiliated corporations, proprietorships or partnerships is under common control. The policy may provide that the term “employees” shall include the individual proprietor or partners if the employer is an individual proprietorship or partnership. The policy may provide that the term “employees” shall include retired employees, former employees and directors of a corporate employer. A policy issued to insure the employees of a public body may provide that the term “employees” shall include elected or appointed officials. The policy may provide that the term “employee” does not include farm laborers employed in agriculture. (2) The premium for the policy shall be paid either from the employer's funds or from funds contributed by the insured employees, or from both. Except as provided in paragraph (3) of this section, a policy on which no part of the premium is to be derived from funds contributed by the insured employees must insure all eligible employees, except those who reject such coverage in writing. (3) An insurer may exclude or limit the coverage on any person as to whom evidence of individual insurability is not satisfactory to the insurer.18 Del. C. 1953, §  3103;  56 Del. Laws, c. 380, §  1;  65 Del. Laws, c. 480, §  1;
18 DE Code § 3103. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 31. Group Life Insurance|§ 3103. Debtor groups.

§ 3103. Debtor groups. A policy may be issued to a creditor or its parent holding company or to a trustee or trustees or agent designated by 2 or more creditors, which creditor, holding company, affiliate, trustee, trustees or agent shall be deemed the policyholder, to insure debtors of the creditors with respect to their indebtedness, subject to the following requirements:  (1) The debtors eligible for insurance under the policy shall be all of the debtors of the creditor or creditors, or all of any class or classes thereof. The policy may provide that the term “debtors” shall include:  a. Borrowers of money or purchasers or lessees of goods, services or property for which payment is arranged through a lease or credit transaction; b. The debtors of 1 or more subsidiary corporations; and c. The debtors of 1 or more affiliated corporations, proprietorships or partnerships if the business of the policyholder and of such affiliated corporations, proprietorships or partnerships is under common control. (2) The premium for the policy shall be paid either from the creditor's funds, or from charges collected from the insured debtors, or from both. Except as provided in paragraph (3) of this section, a policy on which no part of the premium is to be derived from funds contributed by insured debtors specifically for their insurance must insure all eligible debtors. (3) Any insurer may exclude any debtors as to whom evidence of individual insurability is not satisfactory to the insurer. (4) The amount of insurance on the life of any debtor shall at no time exceed the greater of the scheduled or actual amount of unpaid indebtedness as to the creditor. (5) The insurance may be payable to the creditor or any successor to the right, title and interest of the creditor. Such payment shall reduce or extinguish the unpaid indebtedness of the debtor to the extent of such payment. (6) Notwithstanding paragraphs (1)-(5) of this section, insurance on agricultural credit transaction commitments may be written up to the amount of the loan commitment on a nondecreasing or level term plan. Insurance on educational credit transaction commitments may be written up to the amount of the loan commitment less the amount of any repayments made on the loan.18 Del. C. 1953, §  3104;  56 Del. Laws, c. 380, §  1;  65 Del. Laws, c. 480, §  1;
18 DE Code § 3104. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 31. Group Life Insurance|§ 3104. Labor union, employee organization groups.

§ 3104. Labor union, employee organization groups. A policy may be issued to a labor union, or similar employee organization, which shall be deemed to be the policyholder, to insure members of such union or organization for the benefit of persons other than the union or organization or any of its officials, representatives or agents, subject to the following requirements:  (1) The members eligible for insurance under the policy shall be all of the members of the union or organization, or all of any class or classes thereof. (2) The premium for the policy shall be paid either from funds of the union or organization, or from funds contributed by the insured members specifically for their insurance, or from both. Except as provided in paragraph (3) of this section, a policy on which no part of the premium is to be derived from funds contributed by the insured members specifically for their insurance must insure all eligible members, except those who reject such coverage in writing. (3) An insurer may exclude or limit the coverage on any person as to whom evidence of individual insurability is not satisfactory to the insurer. 18 Del. C. 1953, §  3105;  56 Del. Laws, c. 380, §  1;  65 Del. Laws, c. 480, §  1;