reglab/housing_qa huggingface dataset:
215 ILCS 5/902
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXXIX - Group Legal Expense Insurance

 (from Ch. 73, par. 1065.602)Sec. 902. Entire contract specified.  Each group legal expense insurance  policy shall provide that the policy, the application of the employer, or  executive officer or trustee of any association, and the individual applications,  if any, of the employees, members or employees of members insured shall  constitute the entire contract between the parties, and that all statements  made by the employer, or the executive officer or trustee, or by the individual  employees, members or employees of members shall, in the absence of fraud,  be deemed representations and not warranties, and that no such statement  shall be used in defense to a claim under the policy, unless it is contained  in a written application.  (Source: P.A. 99-642, eff. 7-28-16.)
215 ILCS 5/903
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXXIX - Group Legal Expense Insurance

 (from Ch. 73, par. 1065.603)Sec. 903.         Certificates Required.)  Each group legal expense insurance  policy shall provide that the insurer shall issue to the employer, or to  the executive officer or trustee of the association, for delivery to the  employee, member or employee of a member, who is insured under such policy,  an individual certificate setting forth a statement as to the insurance  protection to which he or she is entitled and to whom payable, if appropriate.    (Source: P.A. 81-1361.)
215 ILCS 5/904
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXXIX - Group Legal Expense Insurance

 (from Ch. 73, par. 1065.604)Sec. 904.         New Members of Group.)  Each group legal expense insurance policy  shall provide that to the group or class thereof originally insured  shall be added from time to time all new employees of the employer, members  of the association or employees of members eligible to and applying for  insurance in such group or class, but participation in the group plan shall  not be required as a condition of employment, nor shall any member not participating  in the plan be coerced or discriminated against.    (Source: P.A. 81-1361.)
215 ILCS 5/905
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXXIX - Group Legal Expense Insurance

 (from Ch. 73, par. 1065.605)Sec. 905.         Conversion Rights.)  Each group legal expense insurance policy  shall provide that any member of the group shall have the right to convert  his group policy to an individual standard policy of insurance in the same  company as offered by the insurer to the non-group insureds upon termination  of his connection with the group extending to him or her the same limits of coverage.    (Source: P.A. 81-1361.)
215 ILCS 5/906
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XXXIX - Group Legal Expense Insurance

(215 ILCS 5/906) (from Ch. 73, par. 1065.606)Sec. 906.     Cancellation Restricted.     An insurer may not cancel the coverage  of an individual member of a group to which the insurer provides coverage  under a group legal expense insurance policy except for the nonpayment of  premium by such member, or the group policyholder if premium is paid or  collected by it for transmittal to the insurer or unless the insurance for  the entire group is cancelled.  In the event of cancellation the insurer shall:(1) If it has in its actual possession the names and addresses of individual  members insured under such group legal expense insurance policy, deliver  to the individual member written notice of cancellation stating when, not  less than 30 days thereafter, such cancellation shall be effective provided,  however, that if such cancellation is the result of nonpayment of premium  by such member or the group policyholder, a notice of 10 days shall be sufficient.(2) In the event the insurer does not administer the group legal expense  insurance policy and is not in actual possession of the names and addresses  of individual members insured under such policy, the insurer shall deliver  to the employer or to the executive officer or trustee of the association for delivery  to the employee, member or employee of a member who is insured under such  policy individual notice of cancellation forms stating when, not less than  30 days thereafter, such cancellation shall be effective provided, however,  that if such cancellation is the result of nonpayment of premium a notice  of 10 days shall be sufficient.  The insurer shall not be required to furnish  notice of cancellation under this Section to the group policyholder when  an individual member's insurance is terminated by reason of nonpayment of  premium unless it has specific knowledge of the individual's failure to pay premium.Delivery shall be considered effective by the mailing of such notice if  subsection (1) above is applicable to the last address of the member as  shown on the records of the insurer, and under subsection (2) by the mailing  of such notice to the last address of the group policyholder as shown on  the records of the insurer.    (Source: P.A. 81-1361.)
215 ILCS 5/Art. XL heading
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XL - Insurance Information And Privacy Protection

 ARTICLE XL.      INSURANCE INFORMATION AND PRIVACY PROTECTION
215 ILCS 5/1001
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XL - Insurance Information And Privacy Protection

 (from Ch. 73, par. 1065.701)Sec. 1001.     Purpose.     The purpose of this Article is to establish standards  for the collection, use and disclosure of information gathered in connection  with insurance transactions by insurance institutions, agents or  insurance-support  organizations; to maintain a balance between the need for information by  those conducting the business of insurance and the public's need for fairness  in insurance information practices, including the need to minimize  intrusiveness;  to establish a regulatory mechanism to enable natural persons to ascertain  what information is being or has been collected about them in connection  with insurance transactions and to have access to such information for the  purpose of verifying or disputing its accuracy; to limit the disclosure  of information collected in connection with insurance transactions; and  to enable insurance applicants and policyholders to obtain the reasons for  any adverse underwriting decision.  Further, this Article shall grant the  Director the authority to enforce Title V of the Gramm-Leach-Bliley Act (Public  Law 106-102, 106th Congress).    (Source: P.A. 92-556, eff. 6-24-02.)
215 ILCS 5/1002
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XL - Insurance Information And Privacy Protection

 (from Ch. 73, par. 1065.702)Sec. 1002.     Scope.     (A) The obligations imposed by this Article shall  apply to those insurance institutions, agents or insurance-support organizations  which, on or after the effective date of this Article:(1) in the case of life, health or disability insurance:(a) collect, receive or maintain information in connection with insurance  transactions which pertains to natural persons who are residents of this State, or(b) engage in insurance transactions with applicants, individuals or policyholders  who are residents of this State, and(2) in the case of property or casualty insurance:(a) collect, receive or maintain information in connection with insurance  transactions involving policies, contracts or certificates of insurance  delivered, issued for delivery or renewed in this State, or(b) engage in insurance transactions involving policies, contracts or  certificates of insurance delivered, issued for delivery or renewed in this State.(B) The rights granted by this Article shall extend to:(1) in the case of life, health or disability insurance, the following  persons who are residents of this State:(a) natural persons who are the subject of information collected, received  or maintained in connection with insurance transactions, and(b) applicants, individuals or policyholders who engage in or seek to  engage in insurance transactions, and(2) in the case of property or casualty insurance, the following persons:(a) natural persons who are the subject of information collected, received  or maintained in connection with insurance transactions involving policies,  contracts or certificates of insurance delivered, issued for delivery or  renewed in this State, and(b) applicants, individuals or policyholders who engage in or seek to  engage in insurance transactions involving policies, contracts or certificates  of insurance delivered, issued for delivery or renewed in this State.(C) For purposes of this Section, a person shall be considered a resident  of this State if the person's last known mailing address, as shown in the  records of the insurance institution, agent or insurance-support organization,  is located in this State.(D) Notwithstanding subsections (A) and (B) above, this Article shall not apply  to information collected from the public records of a governmental authority  and maintained by an insurance institution or its representatives for the  purpose of insuring the title to real property located in this State.    (Source: P.A. 81-1430.)
215 ILCS 5/1004
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XL - Insurance Information And Privacy Protection

 (from Ch. 73, par. 1065.704)Sec. 1004.     Pretext Interviews.     No insurance institution, agent or insurance-support  organization shall use or authorize the use of pretext interviews to obtain  information in connection with an insurance transaction; provided, however,  a pretext interview may be undertaken to obtain information  from a person or institution  that does not have a generally or statutorily recognized privileged relationship  with the person about whom the information relates for the  purpose of investigating a claim where, based upon specific information  available for review by the Director, there is a reasonable basis for  suspecting criminal activity, fraud, material misrepresentation or material  nondisclosure in connection with the claim.    (Source: P.A. 82-108.)
215 ILCS 5/1006
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XL - Insurance Information And Privacy Protection

 (from Ch. 73, par. 1065.706)Sec. 1006.     Marketing and Research Surveys.     An insurance institution or  agent shall clearly specify those questions designed to obtain information  solely for marketing or research purposes  from an individual in connection with an insurance transaction.    (Source: P.A. 82-108.)
215 ILCS 5/1007
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XL - Insurance Information And Privacy Protection

 (from Ch. 73, par. 1065.707)Sec. 1007.     Content of Disclosure Authorization Forms.     Notwithstanding  any other provision  of law of this State, no insurance institution, agent or insurance-support  organization may utilize as its disclosure authorization form  in connection with insurance transactions a  form or statement which authorizes the disclosure of personal or privileged  information about an individual to the insurance institution,  agent or insurance-support organization unless the form or statement:(A) is written in plain language;(B) is dated;(C) specifies the types of persons authorized to disclose information  about the individual;(D) specifies the nature of the information authorized to be disclosed;(E) names the insurance institution or agent and identifies  by generic reference representatives of the insurance institution to whom  the individual is authorizing information to be disclosed;(F) specifies the purposes for which the information is collected;(G) specifies the length of time such authorization shall remain valid,  which shall be no longer than:(1) in the case of authorizations signed for the purpose of collecting  information in connection with an application for an insurance policy, a  policy reinstatement or a request for change in policy benefits:(a) 30 months from the date the authorization is signed if the application  or request involves life, health or disability insurance,(b) one year from the date the authorization is signed if the application  or request involves property or casualty insurance;(2) in the case of authorizations signed for the purpose of collecting  information in connection with a claim for benefits under an insurance policy,(a) the term of coverage of the policy if the claim is for a health insurance benefit,(b) the duration of the claim if the claim is not for a health insurance  benefit; and(H) advises the individual or a person authorized to act on behalf of  the individual that the individual or the individual's authorized representative  is entitled to receive a copy of the authorization form.    (Source: P.A. 82-108.)
215 ILCS 5/1008
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XL - Insurance Information And Privacy Protection

 (from Ch. 73, par. 1065.708)Sec. 1008.     Investigative Consumer Reports.     (A) No insurance institution,  agent or insurance-support organization may prepare or request an investigative  consumer report about an individual in connection with an insurance transaction  involving  an application for insurance, a policy renewal, a policy reinstatement or  a change in insurance benefits unless the insurance institution or agent  informs the individual:(1) that he or she may request to be interviewed in connection with the  preparation of the investigative consumer report, and(2) that upon a request pursuant to Section 1009, he or she is entitled to  receive a copy of the investigative consumer report.(B) If an investigative consumer report is to be prepared by an insurance  institution or agent, the insurance institution or agent shall institute  reasonable procedures to conduct a personal interview requested by an individual.(C) If an investigative consumer report is to be prepared by an insurance-support  organization, the insurance institution or agent desiring such report shall  inform the insurance-support organization whether a personal interview has  been requested by the individual.  The insurance-support organization shall  institute reasonable procedures to conduct such interviews, if requested.    (Source: P.A. 82-108.)
215 ILCS 5/1011
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XL - Insurance Information And Privacy Protection

 (from Ch. 73, par. 1065.711)Sec. 1011.     Reasons for Adverse Underwriting Decisions.     (A) In the event  of an adverse underwriting decision the insurance institution or agent responsible  for the decision shall:(1) either provide the applicant, policyholder or individual proposed  for coverage with the specific reason or reasons for the adverse underwriting  decision in writing or advise such person that upon written request he or  she may receive the specific reason or reasons in writing, and(2) provide the applicant, policyholder or individual proposed for coverage  with a summary of the rights established under subsection (B) and Sections  1009 and 1010 of this Article.(B) Upon receipt of a written request within 90 business days from the  date of the mailing of notice or other communication of an adverse underwriting  decision to an applicant, policyholder or individual proposed for coverage,  the insurance institution or agent shall furnish to such person within 21  business days from the date of receipt of such written request:(1) the specific reason or reasons for the adverse underwriting decision,  in writing, if such information was not initially furnished in writing pursuant  to paragraph (1) of subsection (A);(2) the specific items of personal and privileged information that  support those reasons; provided, however:(a) the insurance institution or agent shall not be required to furnish  specific items of privileged information if it has reasonable suspicion,  based upon specific information available for review by the Director, that  the applicant, policyholder  or individual proposed for coverage has engaged in criminal activity,  fraud, material misrepresentation  or material nondisclosure, and(b) specific items of medical-record information supplied by a medical-care  institution or medical professional shall be disclosed either directly to  the individual about whom the information relates or to a medical professional  designated by the individual and licensed to provide medical care with respect  to the condition to which the information relates, whichever the insurance  institution or agent prefers; and(3) the names and addresses of the institutional sources that supplied  the specific items of information pursuant to paragraph (2) of  subsection (B); provided, however, that the identity of any medical professional  or medical-care institution shall be disclosed either directly to the individual  or to the  designated medical professional, whichever the insurance institution or agent prefers.(C) The obligations imposed by this Section upon an insurance institution  or agent may be satisfied by another insurance institution or agent authorized  to act on its behalf.(D) When an adverse underwriting decision results solely from an oral  request or inquiry, the explanation of reasons and summary of rights required  by subsection (A) may be given orally.    (Source: P.A. 82-108.)
215 ILCS 5/1012
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XL - Insurance Information And Privacy Protection

 (from Ch. 73, par. 1065.712)Sec. 1012.     Information Concerning Previous Adverse Underwriting Decisions.       No insurance institution, agent or insurance-support organization may seek  information in connection with an insurance transaction concerning:(A) any previous adverse underwriting decision experienced by an individual, or(B) any previous insurance coverage obtained by an individual through  a residual market mechanism,    unless such inquiry also requests the reasons for any previous adverse underwriting  decision or the reasons why insurance coverage was previously obtained through  a residual market mechanism.    (Source: P.A. 81-1430.)
215 ILCS 5/1013
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XL - Insurance Information And Privacy Protection

 (from Ch. 73, par. 1065.713)Sec. 1013.     Previous Adverse Underwriting Decisions.     No insurance institution  or agent may base an adverse underwriting decision in whole or in part:(A) on the fact of a previous adverse underwriting decision or on  the fact that an individual previously obtained insurance coverage through  a residual market mechanism; provided, however, an insurance institution  or agent may base an adverse underwriting decision on further information  obtained from an  insurance institution or agent responsible for a previous adverse underwriting decision;(B) on personal information received from an insurance-support organization  whose primary source of information is insurance institutions; provided,  however, an insurance institution or agent may base an adverse underwriting  decision on further personal information obtained as the result of information  received from such insurance-support organization.     (Source: P.A. 82-108.)
215 ILCS 5/1015
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XL - Insurance Information And Privacy Protection

 (from Ch. 73, par. 1065.715)Sec. 1015.     Powers of Director.       (A) The Director shall have power to examine and investigate into the affairs  of every insurance institution or agent doing business in this State to  determine whether the insurance institution or agent has been or is engaged  in any conduct in violation of this Article.(B) The Director shall have the power to examine and investigate into  the affairs of every insurance-support organization acting on behalf of  an insurance institution or agent which either transacts business in this  State or transacts business outside this State that has an effect on a person  residing in this State, in order to determine whether such insurance-support  organization has been or is engaged in any conduct in violation of this Article.    (Source: P.A. 81-1430.)
215 ILCS 5/1016
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XL - Insurance Information And Privacy Protection

 (from Ch. 73, par. 1065.716)Sec. 1016.         Hearings, Witnesses, Appearances, Production of Books and Service  of Process.  (A) Whenever the Director has reason to believe that an insurance institution,  agent or insurance-support organization has been or is engaged in conduct  in this State which violates this Article, or if the Director believes that  an insurance-support organization has been or is engaged in conduct outside  this State which has an effect on a person residing in this State and violates  this Article, the Director shall issue and serve upon such insurance institution,  agent or insurance-support organization a statement of charges and notice  of hearing to be held at a time and place fixed in the notice.  Such hearing  shall be conducted pursuant to Sections 401, 402 and 403 of this Act, and any  applicable rules of the Department.(B) At the time and place fixed for such hearing the insurance institution,  agent or insurance-support organization charged shall have an opportunity  to answer the charges against it and present evidence on its behalf.  Upon  good cause shown, the Director shall permit any adversely affected person  to intervene, appear and be heard at such hearing by counsel or in person.    (Source: P.A. 81-1430.)
215 ILCS 5/1017
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XL - Insurance Information And Privacy Protection

 (from Ch. 73, par. 1065.717)Sec. 1017.     Service of Process - Insurance-Support Organizations.     For  the purpose of this Article, an insurance-support organization transacting  business outside this State which has an effect on a person residing in  this State shall be  deemed to have appointed the Director to accept service of process on its  behalf, provided the Director causes a copy of such service to be mailed  forthwith by registered mail to the insurance-support organization at its  last known principal place of business.  The return postcard receipt for  such mailing shall be sufficient proof that the same was properly mailed  by the Director.    (Source: P.A. 81-1430.)