reglab/housing_qa huggingface dataset:
MO Rev Stat § 376.434 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.434 - Carrier liable for claims incurred during grace period, when — exceptions.

Effective - 28 Aug 1985   376.434. Carrier liable for claims incurred during grace period, when — exceptions. — 1. If a policy or contract subject to sections 376.431 to 376.442 provides for automatic discontinuance of the policy or contract after a premium or subscription charge has remained unpaid through the grace period allowed for such payment, the carrier shall be liable for valid claims for covered losses incurred prior to the end of the grace period. However, in no case shall a carrier be held liable for claims incurred during a grace period unless:  (1) Appropriate dues or premiums are received by the carrier during such grace period; or  (2) Such liability is specifically stated in the contract.  2. If the actions of the carrier after the end of the grace period indicate that it considers the policy or contract as continuing in force beyond the end of the grace period, such as by continuing to recognize claims subsequently incurred, the carrier shall be liable for valid claims for losses beginning prior to the effective date of written notice of discontinuance to the policyholder or other entity responsible for making payments or submitting subscription charges to the carrier. The effective date of discontinuance shall not be prior to midnight at the end of the third scheduled work day after the date upon which the notice is delivered. ­­-------- (L. 1985 H.B. 623)
MO Rev Stat § 376.435 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.435 - Claim information to be reported, when — covered lives defined.

Effective - 28 Aug 2007   376.435. Claim information to be reported, when — covered lives defined. — 1. Beginning January 1, 2008, a health carrier providing a group health benefit plan or plans, as such terms are defined in section 376.1350, to an employer who meets the requirements specified in subsection 2 of this section shall, upon request by the employer or the employer's producer of record, provide a report of the total dollar amount and total number of claims paid under the plan or plans for each of the prior three years or for each year coverage was in place if less than three years at the time of the request. In the case of an employer with multiple plans, the total dollar amounts shall be aggregated into one report. The report shall be provided within thirty days of the request; however, a health carrier shall not be required to provide such report for the employer or the employer's producer of record more than twice in any calendar year. The information provided to the employer or the employer's producer of record shall be furnished in a manner that does not individually identify any employee or other person covered by the health benefit plan and shall comply with all applicable federal and state privacy laws regarding the disclosure of health records.  2. For purposes of subsection 1 of this section, an "employer" is one who:  (1) Provides an employee health benefit plan with at least fifty-one covered lives either at the time of the request or at the start of the reporting period; and  (2) Has been insured continuously with the health carrier or a carrier affiliated with the health carrier for at least the preceding twenty-two months.  3. As used in this section, the term "covered lives" means employees, their spouses, and dependents insured under the health benefit plan for which a report is requested. ­­-------- (L. 2007 H.B. 791)
MO Rev Stat § 376.436 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.436 - Discontinuance notice by carrier, contents — notice forms furnished by carrier for distribution to policyholders.

Effective - 28 Aug 1999   376.436. Discontinuance notice by carrier, contents — notice forms furnished by carrier for distribution to policyholders. — 1. Any notice of discontinuance so given by the carrier shall include a request to the group policyholder or other entity involved to notify employees covered under the policy or contract of the date as of which the group policy or contract will discontinue and to advise that unless otherwise provided in the policy or contract, the carrier shall not be liable for claims for losses incurred after such date. Such notice of discontinuance shall also advise, in any instance in which the plan involves employee contributions, that if the policyholder or other entity continues to collect contributions for the coverage beyond the date of discontinuance, the policyholder or other entity may be held solely liable for the benefits with respect to which the contributions have been collected.  2. The carrier will prepare and furnish to the policyholder or other entity at the same time a supply of a notice form to be distributed to the employees or members concerned indicating such discontinuance and the effective date thereof, and urging the employees or members to refer to their certificates or contracts in order to determine what rights, if any, are available to them upon such discontinuance. ­­-------- (L. 1985 H.B. 623, A.L. 1999 H.B. 903)
MO Rev Stat § 376.438 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.438 - Group policies, modifying or amending benefits shall provide extension of benefits in event of total disability at date of termination or discontinuance.

Effective - 28 Aug 1999   376.438. Group policies, modifying or amending benefits shall provide extension of benefits in event of total disability at date of termination or discontinuance. — 1. Every group policy or other contract subject to sections 376.431 to 376.442, or under which the level of benefits is hereafter altered, modified or amended, must provide a reasonable provision for extension of benefits in the event of total disability at the date of any termination or discontinuance of the group policy or contract, regardless of the reason for the termination or discontinuance, as required by the following subdivisions of this subsection:  (1) In the case of a group life plan which contains a disability benefit extension of any type, such as premium waiver extension, extended death benefit in event of total disability, or payment of income for a specified period during total disability, the discontinuance of the group policy shall not operate to terminate such extension;  (2) In the case of a group plan providing benefits for loss of time from work or specific indemnity during hospital confinement, discontinuance of the policy during a disability shall have no effect on benefits payable for that disability or confinement;  (3) In the case of health maintenance organization, hospital or medical expense coverages other than dental and maternity expense, a reasonable extension of benefits or accrued liability provision is required. Such a provision will be considered reasonable if it provides an extension of at least twelve months under health maintenance organization, major medical and comprehensive medical type coverages, and under other types of hospital or medical expense coverages provides either an extension of at least ninety days or an accrued liability for expenses incurred during a period of disability or during a period of at least ninety days starting with a specific event which occurred while coverage was in force.  2. Any applicable extension of benefits or accrued liability shall be described in any policy or contract involved as well as in insurance certificates of coverage issued to employees or members. The benefits payable during any period of extension or accrued liability may be subject to the policy's or contract's regular benefit limits. ­­-------- (L. 1985 H.B. 623, A.L. 1999 H.B. 903)
MO Rev Stat § 376.442 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.442 - Rules and regulations, procedure.

Effective - 28 Aug 1993   376.442. Rules and regulations, procedure. — The department of commerce and insurance is authorized to promulgate rules and regulations necessary to the administration or enforcement of the provisions of sections 376.431 to 376.442, pursuant to section 376.982 and chapter 536. ­­-------- (L. 1985 H.B. 623, A.L. 1993 S.B. 52)
MO Rev Stat § 376.446 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.446 - Enrollee cost-sharing responsibilities, health carriers to provide timely information — exceptions.

Effective - 28 Aug 2011   376.446. Enrollee cost-sharing responsibilities, health carriers to provide timely information — exceptions. — 1. Health carriers shall permit individuals to learn the amount of cost-sharing, including deductibles, copayments, and coinsurance, under the individual's health benefit plan or coverage that the individual would be responsible for paying with respect to the furnishing of a specific item or service by a participating provider in a timely manner upon the request of the individual. At a minimum, such information shall be made available to such individual through an internet website and such other means for individuals without access to the internet. As used in this section, the terms "health carrier" and "health benefit plans" shall have the same meanings assigned to them in section 376.1350.  2. This section shall not apply to a supplemental insurance policy, including a life care contract, accident-only policy, specified disease policy, hospital policy providing a fixed daily benefit only, Medicare supplement policy, long-term care policy, hospitalization-surgical care policy, short-term major medical policy of six months or less duration, or any other supplemental policy.  3. The provisions of subsections 1 and 2 shall become effective on January 1, 2014. ­­-------- (L. 2011 S.B. 62 § 376.1190, subsecs. 1, 2, 4)  CROSS REFERENCE:  Nonseverability clause, 190.840
MO Rev Stat § 376.453 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.453 - Premium — only cafeteria plans required, when.

Effective - 01 Jan 2008   376.453. Premium — only cafeteria plans required, when. — 1. An employer that provides health insurance coverage for which any portion of the premium is payable by the employer shall not provide such coverage unless the employer has established a premium-only cafeteria plan as permitted under federal law, 26 U.S.C. Section 125. The provisions of this subsection shall not apply to employers who offer health insurance through any self-insured or self-funded group health benefit plan of any type or description.  2. Nothing in this section shall prohibit or otherwise restrict an employer's ability to either provide a group health benefit plan or create a premium-only cafeteria plan with defined contributions and in which the employee purchases the policy. ­­-------- (L. 2007 H.B. 818)  Effective 1-01-08
MO Rev Stat § 376.480 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.480 - Domestic companies may assume risks of foreign companies — duties of director.

Effective - 28 Aug 1939   376.480. Domestic companies may assume risks of foreign companies — duties of director. — Whenever any life insurance company incorporated under the laws of this state assumes the risks, in whole or in part, of any life insurance company incorporated under the laws of any other state or the Dominion of Canada or any province thereof a deposit of any part of its capital stock, surplus, legal reserve or other funds on the policies so assumed, the director of the department of commerce and insurance is hereby authorized, in his discretion, to receive from such official such deposit pertaining to the policies so assumed or the capital stock, surplus, legal reserve or other funds assigned by such foreign company to such domestic company, and during the time that any such official of any other state or the Dominion of Canada or any province thereof retains or holds possession and custody of such deposit after their assignment to such domestic company, such director may treat such deposits so held by the officials of such other state or the Dominion of Canada or any province thereof the same as if they had been received by and were in the custody of such director, and may, in his discretion, register the policies so assumed and may or may not, during such time, require such domestic company to make or maintain with such department of commerce and insurance any additional deposit on account thereof; provided, that when any of the capital stock, surplus, legal reserve or other funds of any such foreign company is legally invested in securities not authorized by the laws of this state, such securities shall be sold and disposed of within five years as the director may direct, and such domestic company shall not hold such securities or carry same as part of its capital stock, surplus, legal reserve or other funds for a longer period unless it shall procure a certificate from such director that its interests will suffer materially by the forced sale thereof. ­­-------- (RSMo 1939 § 6034)  Prior revision: 1929 § 5923
MO Rev Stat § 376.500 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.500 - Discriminations, rebates and favors prohibited — contracts to conform to policy.

Effective - 28 Aug 1965   376.500. Discriminations, rebates and favors prohibited — contracts to conform to policy. — No life insurance company doing business in this state shall make or permit any distinction or discrimination in favor of individuals between insurants (the insured) of the same class and equal expectations of life in the amount or payment of premiums or rates charged for policies of life or endowment insurance, or in the dividends or other benefits payable thereon, or in any other of the terms and conditions of the contracts it makes; nor shall any such company, or agent thereof, make any contract of insurance or agreement as to such contract other than as plainly expressed in the policy issued thereon; nor shall any such company, or any officer, agent, solicitor or representative thereof, pay, allow or give, or offer to pay, allow or give, directly or indirectly, as inducement to insurance, any rebate of premium payable on the policy, or any special favor or advantage in the dividends or other benefits to accrue thereon, or any paid employment or contract for services of any kind, or any valuable consideration or inducement whatever, not specified in the policy contract of insurance; or give, sell or purchase, or offer to give, sell or purchase, as inducement to insurance or in connection therewith, any stocks, bonds or other securities of any insurance company or other corporation, association, or partnership, or any dividends or profits to accrue thereon, or anything of value whatsoever. The provisions of this section shall also apply to all companies incorporated under the provisions of sections 377.200 to 377.460. ­­-------- (RSMo 1939 § 5840, A.L. 1965 p. 95)  Prior revisions: 1929 § 5729; 1919 § 6139; 1909 § 6934
MO Rev Stat § 376.502 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.502 - Life insurers not to discriminate based on lawful travel destinations — violations, penalty.

Effective - 28 Aug 2009   376.502. Life insurers not to discriminate based on lawful travel destinations — violations, penalty. — 1. No life insurance company doing business within this state shall deny or refuse to accept an application for life insurance, refuse to renew, cancel, restrict, or otherwise terminate a policy of life insurance, or charge a different rate for the same life insurance coverage, based upon the applicant's or insured's past or future lawful travel destinations. Nothing in this section shall prohibit a life insurance company from denying an application for life insurance, or restricting or charging a different premium or rate for coverage under such a policy based on a specific travel destination where the denial, restriction, or rate differential is based upon sound actuarial principles or is related to actual or reasonably anticipated experience.  2. A violation of the provisions of this section shall be unfair trade practice as defined by sections 375.930 to 375.948 and shall be governed by and subject to all of the provisions and penalties provided by such sections.  3. The provisions of this section shall apply to any life insurance policy issued or renewed on or after August 28, 2009. ­­-------- (L. 2009 H.B. 577 merged with S.B. 126)
MO Rev Stat § 376.510 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.510 - Penalty for violation of section 376.500.

Effective - 28 Aug 1939   376.510. Penalty for violation of section 376.500. — Any life insurance company or association which may violate any of the provisions of section 376.500 or which may permit any of its agents or representatives in this state to violate said provisions, shall have its certificate of authority, or license to transact business in Missouri, revoked by the state director of the department of commerce and insurance, and shall be, for a period of five years, barred from the further transaction of business in this state; and any agent, solicitor or representative in this state of any such insurance company or association, who shall violate any of the provisions of section 376.500, shall be deemed guilty of a misdemeanor, and on conviction thereof, in any court of competent jurisdiction in this state, shall be fined not less than fifty nor more than five hundred dollars for each such offense, or imprisoned in the county or city jail, for not less than thirty days nor more than six months, or by both such fine and imprisonment. ­­-------- (RSMo 1939 § 5841)  Prior revisions: 1929 § 5730; 1919 § 6140; 1909 § 6935
MO Rev Stat § 376.540 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.540 - Policy, to whom payable.

Effective - 28 Aug 1983   376.540. Policy, to whom payable. — In case of the death of the wife before the decease of the husband, the amount of the insurance shall be payable to her heirs, for their use, and to their conservator, if under age, unless otherwise provided for and stipulated in the policy. ­­-------- (RSMo 1939 § 5848, A.L. 1983 S.B. 44 & 45)  Prior revisions: 1929 § 5737; 1919 § 6147; 1909 § 6942
MO Rev Stat § 376.562 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.562 - Charitable, benevolent, educational and religious organizations may be beneficiary or owner of policy, life insurance, when — fraud or coercion, exception.

Effective - 28 Aug 1997   376.562. Charitable, benevolent, educational and religious organizations may be beneficiary or owner of policy, life insurance, when — fraud or coercion, exception. — It shall be lawful for any charitable, benevolent, educational or religious institution qualified pursuant to section 501(c)(3) of the Internal Revenue Code, as amended, to solicit, procure and enforce, in the absence of any fraud or coercion, the payment of proceeds of:  (1) An assignment or designation as beneficiary, a gift or assignment of an interest in life insurance in the life of a donor or assignor; or  (2) An ownership of an interest in life insurance on the life of an insured if the charitable, benevolent, educational or religious institution has obtained the consent of the person whose life is being insured, as required by section 376.531. ­­-------- (L. 1992 H.B. 1574 § 376.560, A.L. 1997 H.B. 622)
MO Rev Stat § 376.570 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.570 - Foreign executor or administrator.

Effective - 28 Aug 1939   376.570. Foreign executor or administrator. — Whenever any nonresident of this state dies leaving a policy of life insurance issued by any life insurance company of this state and payable to his estate, it shall be lawful for the executor or administrator, duly appointed under the laws of the state of the residence of such deceased nonresident, to collect and receive the proceeds payable under the terms of such policy and the delivery or payment of such proceeds by any life insurance company of this state to such nonresident executor or administrator, at any time, shall operate as a full and complete release and discharge of any person or corporation so paying or delivering such proceeds to such foreign executor or administrator. ­­-------- (RSMo 1939 § 6024)  Prior revision: 1929 § 5913
MO Rev Stat § 376.580 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 376 - Life, Health and Accident Insurance|Section 376.580 - Misrepresentation.

Effective - 28 Aug 1939   376.580. Misrepresentation. — No misrepresentation made in obtaining or securing a policy of insurance on the life or lives of any person or persons, citizens of this state, shall be deemed material, or render the policy void, unless the matter misrepresented shall have actually contributed to the contingency or event on which the policy is to become due and payable, and whether it so contributed in any case shall be a question for the jury. ­­-------- (RSMo 1939 § 5843)  Prior revisions: 1929 § 5732; 1919 § 6142; 1909 § 6937  (1955) Where accident and health policy contained no sound health provision, no provision making insured's answers in the application warranties, nor any provision conditioning the policy on the truth of such answers, material misrepresentations must have been knowingly and fraudulently made before they will avoid the policy. Dixon v. Business Men's Assurance Co., 365 Mo. 580, 285 S.W.2d 619. (1959) This section held inapplicable to determine whether action on insurance policy where fraud and deceit in the procurement thereof was asserted as a defense was triable in equity or by jury in federal court. Curry v. Pyramid Life Insurance Co., 271 F.2d 1. (1961) Evidence as to misrepresentation of the health of the insured examined and held sufficient to create an issue for the jury. Winger v. General American Life Ins. Co. (Mo.), 345 S.W.2d 170. (1961) Evidence held sufficient to present jury question as to whether misrepresentation was as to illness causing death. Pyramid Life Ins. Co. v. Curry, 291 F.2d 411. (1963) Requirement in policy that policy holder be in "good health" at time of payment of first premium would bar recovery when insured was suffering from cancer at time of such payment whether insured knew of such disease or not. Security Life Insurance Company v. Jackson, 318 F.2d 846. (1966) This section applies whether the misrepresentations are fraudulent or innocent and makes these misrepresentations immaterial unless the matter misrepresented actually contributed to the happening of the event on which payment under the policy of insurance depends. Bohm v. Fidelity and Casualty Co. of New York (A.), 399 S.W.2d 450.