reglab/housing_qa huggingface dataset:
NE Code § 44-502.04 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-502.04 - Policy loans; interest rate provisions; when applicable.

44-502.04.  Policy loans; interest rate provisions; when applicable.The provisions of sections 44-502.01 to 44-502.04 shall not apply to any insurance contract issued before August 30, 1981, unless the policyholder agrees in writing to the applicability of such provisions. Any such agreement shall be void unless it is entered into by the policyholder voluntarily and following full disclosure of its effects pursuant to the rules and regulations of the Department of Insurance.Source   Laws 1981, LB 355, § 17;   Laws 1989, LB 92, § 121.
NE Code § 44-502.05 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-502.05 - Life insurance; annuity policy; return; when.

44-502.05.  Life insurance; annuity policy; return; when.Every individual life insurance or annuity policy, except a credit life policy, shall have printed on its face or attached to the policy a notice stating in substance that the person to whom the policy is issued shall be permitted to return the policy within ten days of its delivery to the purchaser and to have the premium paid refunded if, after examination of the policy, the purchaser is not satisfied with it for any reason. If a policyholder or a purchaser pursuant to such notice returns the policy to the insurer at its home office or branch office or to the agent or agency through which it was purchased, the policy shall be void from the beginning and the parties shall be in the same position as if no policy had been issued.Source  Laws 1989, LB 92, § 128.
NE Code § 44-503 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-503 - Life or endowment policies; provisions prohibited.

44-503.  Life or endowment policies; provisions prohibited.No policy of life or endowment insurance shall be issued or delivered in this state (1) if it contains in substance a provision by which the policy shall purport to be issued, or to take effect, more than six months before the original application for the insurance was made, (2) if it contains in substance a provision which excludes or restricts liability in the event of death by suicide if such death occurs more than two years after the policy date, (3) if it contains in substance provision, except such provisions as are authorized or required by section 44-502, by which the settlement at the maturity of any policy after the expiration of the contestable period thereof shall be of less value than the amount promised on the face of the policy plus dividend additions, if any, less any indebtedness to the company on or secured by the policy, and less any premium that may, by the terms of the policy, be deducted, or (4) if there are attached thereto or issued as a part thereof or in connection therewith any coupons or other evidence of indebtedness by whatever name called, which coupons or other evidence of indebtedness are to be used in reducing the premiums on the policies or for the purchase of additional insurance or any benefit whatever or which are to be redeemed by the company in cash under any circumstances in the nature of a rebate on the premium.Source   Laws 1913, c. 154, § 102, p. 449;   R.S.1913, § 3239;   Laws 1919, c. 190, tit. V, art. VII, § 3, p. 630;   C.S.1922, § 7838;   C.S.1929, § 44-603;   Laws 1941, c. 87, § 2, p. 340;   C.S.Supp.,1941, § 44-603;   Laws 1943, c. 106, § 7, p. 368;   R.S.1943, § 44-503;   Laws 1989, LB 92, § 122.  Annotations  Agreement between insurer and beneficiary, made after the death of the insured, providing for a life annuity in lieu of a lump sum payment to the beneficiary, is valid and not in violation of this section. Greevy v. Mass. Mut. Life Ins. Co., 128 Neb. 586, 259 N.W. 656 (1935). Effective date of policy of insurance was the point of time when the application for insurance was accepted rather than the time the policy was predated. Beister v. John Hancock Mut. Life Ins. Co., 356 F.2d 634 (8th Cir. 1966).
NE Code § 44-503.01 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-503.01 - Beneficiary; trustee; named or to be named in a will.

44-503.01.  Beneficiary; trustee; named or to be named in a will.A policy of life insurance may designate as beneficiary a trustee or trustees named or to be named by will, if the designation is made in accordance with the provisions of the policy and the requirements of the insurance company. Immediately after the proving of the will the proceeds of such insurance shall be paid to the trustee or trustees named therein to be held and disposed of under the terms of the will as they exist at the death of the testator, but if no qualified trustee makes claim to the proceeds from the insurance company within one year after the death of the insured, or if satisfactory evidence is furnished the insurance company within such one-year period showing that no trustee can qualify to receive the proceeds, payment shall be made by the insurance company to those thereafter entitled. Any payment of proceeds in accordance with the provisions of this section by an insurance company shall constitute a full discharge of such insurance company's liability for the amount so paid. The proceeds of the insurance as collected by the trustee or trustees shall not be subject to debts of the insured and inheritance tax. Enactment of this section shall not invalidate previous life insurance policy beneficiary designations naming trustees of trusts established by will.Source  Laws 1969, c. 355, § 1, p. 1235.
NE Code § 44-507 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-507 - Foreign and domestic companies; policies; contents; reciprocity.

44-507.  Foreign and domestic companies; policies; contents; reciprocity.The policies of any insurance company not organized under the laws of this state may, if filed with the director pursuant to the Property and Casualty Insurance Rate and Form Act, contain any provisions which the law of the state, territory, district, or country under which the company is organized prescribes shall be in such policies when issued in this state, and the policies of any insurance company organized under the laws of this state may, when issued or delivered in any other state, territory, district, or country, contain any provision required by the laws of the state, territory, district, or country in which such policies are issued, the provisions of sections 44-501 to 44-510 to the contrary notwithstanding.Source   Laws 1913, c. 154, § 106, p. 453;   R.S.1913, § 3243;   Laws 1919, c. 190, tit. V, art. VII, § 7, p. 634;   C.S.1922, § 7842;   Laws 1925, c. 124, § 4, p. 330;   C.S.1929, § 44-607;   R.S.1943, § 44-507;  Laws 2007, LB117, § 5. Cross References  Property and Casualty Insurance Rate and Form Act, see section 44-7501.
NE Code § 44-508 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-508 - Liability insurance; automobiles; bankruptcy of insured; policy provisions; reciprocity.

44-508.  Liability insurance; automobiles; bankruptcy of insured; policy provisions; reciprocity.The policies or contracts of insurance covering legal liability for injury to a person or persons caused by the ownership, operation, use, or maintenance of an automobile issued by any domestic or foreign company shall, if filed with the director pursuant to the Property and Casualty Insurance Rate and Form Act, contain a provision that the insolvency or bankruptcy of the assured shall not release the company from the payment of damages for injury sustained or loss occasioned during the life of the policy, and, in case of such insolvency or bankruptcy, an action may be maintained within the terms and limits of the policy by the injured person or his or her heirs against the insurer.Source   Laws 1925, c. 124, § 4, p. 330;   C.S.1929, § 44-607;   R.S.1943, § 44-508;  Laws 2007, LB117, § 6. Cross References  Property and Casualty Insurance Rate and Form Act, see section 44-7501.
NE Code § 44-509 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-509 - Policies; invalid provisions; construction.

44-509.  Policies; invalid provisions; construction.A policy issued in violation of sections 44-501 to 44-508 shall be held valid, but shall be construed as provided herein, and when any provision in such a policy is in conflict with any provision hereof, the rights, duties and obligations of the company, policyholder and the beneficiary shall be governed by the provisions of such sections.Source   Laws 1913, c. 154, § 107, p. 453;   R.S.1913, § 3244;   Laws 1919, c. 190, tit. V, art. VII, § 8, p. 634;   C.S.1922, § 7843;   C.S.1929, § 44-608;   R.S.1943, § 44-509. Annotations  Insured was entitled to statutory grace period of one month in which to pay semiannual installment of life insurance policy regardless of provisions in the policy to the contrary. Higgins v. Old Line Ins. Co., 122 Neb. 254, 240 N.W. 275 (1932). Breach of condition in policy against removal of the insured property without the consent of the insurer was no bar to recovery where such breach did not contribute to the loss. Mayfield v. North River Ins. Co., 122 Neb. 63, 239 N.W. 197 (1931).
NE Code § 44-510 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-510 - Policies; provisions; violations; penalty.

44-510.  Policies; provisions; violations; penalty.Any company or association, or any officer, agent, or broker thereof, which or who issues or delivers in this state, or to any citizen thereof, any policy in willful violation of the provisions of sections 44-501 to 44-508 shall be punished by a fine not exceeding one hundred dollars for each offense; and the Department of Insurance may revoke the license of any company, association, agent or broker thereof which or who violates any of the provisions of such sections.Source   Laws 1913, c. 154, § 108, p. 453;   R.S.1913, § 3245;   Laws 1919, c. 190, tit. V, art. VII, § 9, p. 634;   C.S.1922, § 7844;   C.S.1929, § 44-609;   R.S.1943, § 44-510.
NE Code § 44-511 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-511 - Life or annuity policy; form; approval; exception; appeal.

44-511.  Life or annuity policy; form; approval; exception; appeal.Except as otherwise provided by the Director of Insurance, no policy of life insurance or annuity shall be delivered or issued for delivery in this state, nor shall any endorsement, rider, or application which becomes a part of any such policy be used, until a copy of the form has been filed with the director. No such policy, endorsement, rider, or application shall be so used until the expiration of thirty days after the form has been received unless the director shall sooner give his or her written approval thereto. Such thirty-day period may be extended by the director for an additional period not to exceed thirty days. Notice of such extension shall be mailed to the insurer involved. The director shall notify in writing the insurer which has filed any such form if such form or provision or language thereof is unjust, unfair, inequitable, misleading, or deceptive, encourages misrepresentation of the coverage, or contrary to any provision of the statutes of this state or any rule or regulation adopted and promulgated thereunder, specifying the reasons for his or her opinion, and it shall thereafter be unlawful for such insurer to use such form in this state. In such notice, the director shall state that a hearing will be granted within thirty days upon written request of the insurer. In all other cases the director shall give his or her approval. The disapproval may be appealed, and the appeal shall be in accordance with the Administrative Procedure Act.Source   Laws 1963, c. 258, § 1, p. 782;   Laws 1969, c. 359, § 19, p. 1275;   Laws 1988, LB 352, § 49;   Laws 1989, LB 92, § 123.  Cross References  Administrative Procedure Act, see section 84-920.
NE Code § 44-512 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-512 - Life or annuity policy; form; withdrawal of approval; procedure; appeal.

44-512.  Life or annuity policy; form; withdrawal of approval; procedure; appeal.After the expiration of such thirty days from the filing of any such form or at any time after having given written approval thereof, the director may, after a hearing of which at least ten days' written notice has been given to the insurer issuing such form, withdraw approval on any of the grounds stated in section 44-511. Such disapproval shall be effected by written order of the director which shall state the grounds for disapproval and the date, not less than thirty days after such hearing, when the withdrawal of approval shall become effective. The disapproval may be appealed, and the appeal shall be in accordance with the Administrative Procedure Act.Source   Laws 1963, c. 258, § 2, p. 782;   Laws 1969, c. 359, § 20, p. 1276;   Laws 1988, LB 352, § 50.  Cross References  Administrative Procedure Act, see section 84-920.
NE Code § 44-513 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-513 - Osteopathic medicine and surgery, chiropractic, optometry, psychology, dentistry, podiatry, or mental health service; policy; provisions.

44-513.  Osteopathic medicine and surgery, chiropractic, optometry, psychology, dentistry, podiatry, or mental health service; policy; provisions.Whenever any insurer provides by contract, policy, certificate, or any other means whatsoever for a service, or for the partial or total reimbursement, payment, or cost of a service, to or on behalf of any of its policyholders, group policyholders, subscribers, or group subscribers or any person or group of persons, which service may be legally performed by a person licensed in this state for the practice of osteopathic medicine and surgery, chiropractic, optometry, psychology, dentistry, podiatry, or mental health practice, the person rendering such service or such policyholder, subscriber, or other person shall be entitled to such partial or total reimbursement, payment, or cost of such service, whether the service is performed by a duly licensed medical doctor or by a duly licensed osteopathic physician, chiropractor, optometrist, psychologist, dentist, podiatrist, or mental health practitioner. This section shall not limit the negotiation of preferred provider policies and contracts under sections 44-4101 to 44-4113.Source   Laws 1967, c. 258, § 1, p. 681;   Laws 1969, c. 372, § 1, p. 1330;   Laws 1974, LB 712, § 1;   Laws 1975, LB 190, § 1;   Laws 1984, LB 902, § 15;   Laws 1989, LB 342, § 2;   Laws 1994, LB 1222, § 50;   Laws 1995, LB 473, § 1.  Annotations The plain language of this section does not require insurance policies to charge identical copayments for a covered service, regardless of the type of provider. Cookson v. Ramge, 299 Neb. 128, 907 N.W.2d 296 (2018).
NE Code § 44-513.02 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-513.02 - Reimbursement for prescription drugs and other pharmacy services; prohibited provisions.

44-513.02.  Reimbursement for prescription drugs and other pharmacy services; prohibited provisions.(1) A medical benefit contract which provides reimbursement for prescription drugs, including contracts by health maintenance organizations and preferred provider organizations, shall not require a person to obtain prescription drugs from a mail-order pharmacy as a condition to obtaining reimbursement for such drugs. This subsection shall apply to contracts delivered, issued for delivery, or renewed in this state on or after July 10, 1990.(2)(a) A medical benefit contract, including any contract by a preferred provider organization but excluding any contract by a health maintenance organization, which provides reimbursement for prescription drugs and other pharmacy services shall not impose upon any person who is a party to or beneficiary of the contract a fee or copayment not equally imposed upon any party or beneficiary utilizing a mail-order pharmacy, and no such contract shall provide differences in coverage or impose any different conditions upon any person who is a party to or beneficiary of the contract not equally imposed upon any party or beneficiary utilizing a mail-order pharmacy. This subsection shall apply to contracts delivered, issued for delivery, or renewed in this state on or after July 16, 1994.(b) This subsection shall not apply to reimbursement for long-term maintenance drugs. Long-term maintenance drugs means medications which are dispensed pursuant to a single prescription for a period of no less than one hundred eighty days, exclusive of authorized refills, for the ongoing treatment of a chronic medical condition or disease or congenital condition or disorder.Source   Laws 1990, LB 1136, § 122;   Laws 1994, LB 718, § 1;   Laws 1995, LB 531, § 1.
NE Code § 44-515 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-515 - Automobile liability policy; notice of cancellation; requirements; exceptions.

44-515.  Automobile liability policy; notice of cancellation; requirements; exceptions.(1) A notice of cancellation of a policy shall be effective only if it is based on one or more of the following reasons:(a) Nonpayment of premium;(b) Fraud or material misrepresentation affecting the policy or in the presentation of a claim thereunder, or violation of any of the terms or conditions of the policy; or(c) The named insured or any operator, either resident in the same household or who customarily operates an automobile insured under the policy, (i) has had his or her driver's license suspended or revoked pursuant to law, (ii) has been convicted of larceny of an automobile, or theft of an automobile in violation of section 28-516, (iii) has been convicted of an offense for which such suspension or revocation is mandatory, or (iv) whose driver's license is subject to revocation or suspension pursuant to the provisions of sections 60-4,182 to 60-4,186, by reason of his or her driving record as disclosed by the files of the Director of Motor Vehicles during the policy period or, if the policy is a renewal, during its policy period or the one hundred eighty days immediately preceding its effective date.(2) This section shall not apply to any policy or coverage which has been in effect less than sixty days at the time notice of cancellation is mailed or delivered by the insurer unless it is a renewal policy.(3) This section shall not apply to nonrenewal.Source   Laws 1972, LB 1396, § 2;   Laws 1978, LB 748, § 29;   Laws 1993, LB 370, § 43.  Annotations  This section limits the grounds for cancellation of policies of the type defined in section 44-514. Glockel v. State Farm Mut. Auto. Ins. Co., 224 Neb. 598, 400 N.W.2d 250 (1987). Unless a cancellation statute is manifestly all-inclusive, a statute specifying the instances under which a party to an insurance contract may cancel it does not make cancellation the exclusive remedy, and it is not in derogation of other remedial rights which are recognized and implemented by other provisions of law. Glockel v. State Farm Mut. Auto. Ins. Co., 224 Neb. 598, 400 N.W.2d 250 (1987). An automobile liability policy may be cancelled for any of the reasons appearing in this section. Glockel v. State Farm Mut. Auto. Ins. Co., 219 Neb. 222, 361 N.W.2d 559 (1985). Section 44-516 requires registered or certified mail for every cancellation notice regardless of the period the policy has been in force. Saunders v. Mittlieder, 195 Neb. 232, 237 N.W.2d 838 (1976).
NE Code § 44-517 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-517 - Automobile liability policy; notice of intention not to renew; requirements.

44-517.  Automobile liability policy; notice of intention not to renew; requirements.(1) No insurer shall refuse to renew a policy unless such insurer or its agent shall mail or deliver to the named insured, at the address shown in the policy, at least twenty days' advance notice of its intention not to renew. This section shall not apply: (a) If the insurer has manifested its willingness to renew; nor (b) in case of nonpayment of premium, except that notwithstanding the failure of an insurer to comply with this section, the policy shall terminate on the effective date of any other insurance policy with respect to any automobile designated in both policies.(2) For purposes of sections 44-514 to 44-521:(a) An insurer's substitution of insurance upon renewal which results in substantially equivalent coverage shall not be considered a refusal to renew a policy; and(b) The transfer of a policyholder between insurers within the same insurance group shall be considered a refusal to renew a policy only if the transfer results in policy coverage or rates substantially less favorable to the insured.(3) Renewal of a policy shall not constitute a waiver or estoppel with respect to grounds for cancellation that existed before the effective date of such renewal.Source   Laws 1972, LB 1396, § 4;  Laws 2001, LB 360, § 3.  Annotations This section does not require notice in the case of an automatic termination by expiration of the policy period. This section, by its terms, does not apply if the insurer has manifested its willingness to renew or if nonrenewal is due to nonpayment of premium. Sampson v. State Farm Mut. Ins. Co., 205 Neb. 164, 286 N.W.2d 746 (1980).
NE Code § 44-518 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-518 - Automobile liability policy; notice of intention not to renew; reason.

44-518.  Automobile liability policy; notice of intention not to renew; reason.If an insurer shall refuse to renew a policy, as provided for in section 44-517, the insurer shall, upon written request of the named insured, mailed or delivered not less than fifteen days prior to the effective date of such notice of intention not to renew, specify in writing the reason for such refusal to renew. Such reason shall be mailed or delivered to the named insured within five days after receipt of such request.Source  Laws 1972, LB 1396, § 5.
NE Code § 44-519 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-519 - Automobile liability policy; notice; proof of receipt.

44-519.  Automobile liability policy; notice; proof of receipt.Evidence of mailing notice of cancellation, of intention not to renew, or of reasons for cancellation to the named insured's last mailing address known to the insurer shall be sufficient proof of receipt of notice.Source   Laws 1972, LB 1396, § 6;   Laws 1989, LB 92, § 125.
NE Code § 44-520 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-520 - Automobile liability policy; cancellation; notice of other insurance; contents.

44-520.  Automobile liability policy; cancellation; notice of other insurance; contents.When automobile bodily injury and property damage liability coverage is canceled, other than for nonpayment of premium, or in the event of failure to renew automobile bodily injury and property damage liability coverage to which section 44-517 applies, the insurer shall notify the named insured of the insured's possible eligibility for automobile liability insurance through an affiliated insurer or the automobile liability assigned risk plan. Such notice shall accompany or be included in the notice of cancellation or the notice of intent not to renew.Source   Laws 1972, LB 1396, § 7;  Laws 2001, LB 360, § 4.