reglab/housing_qa huggingface dataset:
NE Code § 44-708 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-708 - Life insurers; funding agreements; authorized.

44-708.  Life insurers; funding agreements; authorized.(1) Insurers authorized to deliver or issue for delivery life insurance policies in this state may deliver or issue for delivery one or more funding agreements, but the delivery or issuance for delivery of funding agreements shall not be deemed the business of insurance, life insurance or an annuity or other line of business as set forth in section 44-201, a security as defined in subdivision (15) of section 8-1101, or receipt of gross premiums as set forth in section 77-908. The delivery or issuance for delivery of a funding agreement by an admitted life insurer in this state shall constitute a lawful activity of that insurer that is reasonably related to and incidental to its insurance activities as provided in this section. However, this section shall not authorize any insurer to transact, under the guise of funding agreements, any line of insurance not authorized by its certificate of authority.(2) No amounts shall be guaranteed or credited under any funding agreement except upon reasonable assumptions as to investment income and expenses and on a basis equitable to all holders of funding agreements of a given class.(3) Amounts paid to the insurer, and proceeds applied under optional modes of settlement, under funding agreements may be allocated by the insurer to one or more separate accounts.(4) The Director of Insurance may adopt and promulgate rules and regulations to implement this section, including rules and regulations setting forth the terms and conditions under which an insurer may issue funding agreements.(5) Notwithstanding any other provision of law, the director shall have sole authority to regulate the issuance and sale of funding agreements, including the persons selling funding agreements on behalf of insurers.(6) Nothing in this section is intended to affect the order in which allowed claims shall be given preference under section 44-4842. Holders of funding agreements shall retain the priority in allowance of claims described in subdivision (2) of section 44-4842.(7) For purposes of this section, funding agreement means an agreement that authorizes an admitted life insurer to accept funds and that provides for an accumulation of those funds for the purpose of making one or more payments at future dates in amounts that are not based on mortality or morbidity contingencies. Funding agreement does not include any agreement in connection with the funding of one or more payments that are excludable from the gross income of the recipient under section 104(a)(2) of the Internal Revenue Code.Source Laws 2004, LB 1047, § 21.
NE Code § 44-708.01 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-708.01 - Life insurers; synthetic guaranteed investment contracts; authorized.

44-708.01.  Life insurers; synthetic guaranteed investment contracts; authorized.(1) Insurers authorized to deliver or issue for delivery life insurance policies in this state may deliver or issue for delivery synthetic guaranteed investment contracts if the following requirements are met:(a) The insurer is authorized to deliver, or issue for delivery, life insurance policies in this state; and(b) The insurer has at least one billion dollars in admitted assets or one hundred million dollars in capital and surplus, as reflected by the most recent financial statements on file with the Director of Insurance.(2) Synthetic guaranteed investment contracts, that are not otherwise subject to filing under applicable law and regulation, shall be filed, before being marketed or issued in this state, by the insurer with the director. If the director finds that the synthetic guaranteed investment contracts contemplate practices that are unfair or unreasonable or otherwise inconsistent with the provisions of Chapter 44, the director may disapprove of the forms of synthetic guaranteed investment contracts specifying in what regard the synthetic guaranteed investment contracts are unfair or unreasonable or otherwise inconsistent with the provisions of Chapter 44.(3) The director may adopt and promulgate rules and regulations to implement this section, including rules and regulations setting forth the terms and conditions under which an insurer may issue synthetic guaranteed investment contracts.(4) For purposes of this section, synthetic guaranteed investment contract means a policy, contract, or agreement that establishes the insurer's obligations under the policy, contract, or agreement by reference to a portfolio of assets that is not owned or possessed by the insurer.Source Laws 2004, LB 1047, § 22.
NE Code § 44-709 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-709 - Sickness and accident insurance, defined.

44-709.  Sickness and accident insurance, defined.The term sickness and accident insurance as used in sections 44-710 to 44-767 shall mean insurance against loss or expense resulting from the sickness of the insured, from the bodily injury or death of the insured by accident, or both.Source   Laws 1947, c. 164, § 1, p. 452;   Laws 1957, c. 188, § 1, p. 642;   Laws 1989, LB 92, § 129.
NE Code § 44-710.02 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-710.02 - Sickness and accident insurance; insurer domiciled in state; delivery in another state; approval.

44-710.02.  Sickness and accident insurance; insurer domiciled in state; delivery in another state; approval.If any policy of sickness and accident insurance is issued by an insurer domiciled in this state for delivery to a person residing in another state and if the official having responsibility for the administration of the insurance laws of such other state has advised the Director of Insurance that any such policy is not subject to approval or disapproval by such official, the Director of Insurance may by ruling require that such policy meet the standards set forth in sections 44-710.01 and 44-710.03 to 44-710.09.Source   Laws 1957, c. 188, § 3, p. 644;   Laws 1989, LB 92, § 132.
NE Code § 44-710.05 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-710.05 - Sickness and accident insurance; standard policy form; inapplicable; omission or modification.

44-710.05.  Sickness and accident insurance; standard policy form; inapplicable; omission or modification.If any provision of sections 44-710.03 and 44-710.04 is in whole or in part inapplicable to or inconsistent with the coverage provided by a particular form of policy of sickness and accident insurance, the insurer, with the approval of the Director of Insurance, shall omit from such policy any inapplicable provision or part of a provision and shall modify any inconsistent provision or part of the provision in such manner as to make the provision as contained in the policy consistent with the coverage provided by the policy.Source   Laws 1957, c. 188, § 6, p. 655;   Laws 1989, LB 92, § 135.
NE Code § 44-710.06 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-710.06 - Sickness and accident insurance; standard policy form; provisions; order of arrangement.

44-710.06.  Sickness and accident insurance; standard policy form; provisions; order of arrangement.The provisions which are the subject of sections 44-710.03 and 44-710.04 or any corresponding provisions which are used in lieu thereof in accordance with such sections shall be printed in the consecutive order of the provisions in such sections, or at the option of the insurer, any such provision may appear as a unit in any part of the policy of sickness and accident insurance with other provisions to which it may be logically related if the resulting policy is not in whole or in part unintelligible, uncertain, ambiguous, abstruse, or likely to mislead a person to whom the policy is offered, delivered, or issued.Source   Laws 1957, c. 188, § 7, p. 656;   Laws 1989, LB 92, § 136.
NE Code § 44-710.07 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-710.07 - Sickness and accident insurance; term insured; construction.

44-710.07.  Sickness and accident insurance; term insured; construction.The word insured, as used in sections 44-709 to 44-767, shall not be construed as preventing a person other than the insured with a proper insurable interest from making application for and owning a policy of sickness and accident insurance covering the insured or from being entitled under such a policy to any indemnities, benefits, and rights provided therein.Source   Laws 1957, c. 188, § 8, p. 656;   Laws 1989, LB 92, § 137.
NE Code § 44-710.08 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-710.08 - Sickness and accident insurance; foreign or alien insurer; provisions required by laws of domicile of insurer.

44-710.08.  Sickness and accident insurance; foreign or alien insurer; provisions required by laws of domicile of insurer.(1) Any policy of sickness and accident insurance of a foreign or alien insurer, when delivered or issued for delivery to any person in this state, may contain any provision which is not less favorable to the insured or the beneficiary than the provisions of sections 44-709 to 44-767 and which is prescribed or required by the law of the state under which the insurer is organized.(2) Any policy of sickness and accident insurance of a domestic insurer may, when issued for delivery in any other state or country, contain any provision permitted or required by the laws of such other state or country.Source   Laws 1957, c. 188, § 9, p. 656;   Laws 1989, LB 92, § 138.
NE Code § 44-710.09 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-710.09 - Sickness and accident insurance; rules and regulations.

44-710.09.  Sickness and accident insurance; rules and regulations.The Director of Insurance may adopt and promulgate such reasonable rules and regulations concerning the procedure for the filing or submission of policies of sickness and accident insurance subject to sections 44-709 to 44-767 as are necessary, proper, or advisable to the administration of such sections. This provision shall not abridge any other authority granted the Director of Insurance by law.Source   Laws 1957, c. 188, § 10, p. 656;   Laws 1989, LB 92, § 139.
NE Code § 44-710.10 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-710.10 - Sickness and accident insurance; nonstandard provisions; requirements.

44-710.10.  Sickness and accident insurance; nonstandard provisions; requirements.No policy provision which is not subject to sections 44-710.03 and 44-710.04 shall make a policy of sickness and accident insurance, or any portion thereof, less favorable in any respect to the insured or the beneficiary than the provisions thereof which are subject to sections 44-709 to 44-767.Source   Laws 1957, c. 188, § 11, p. 657;   Laws 1989, LB 92, § 140.
NE Code § 44-710.11 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-710.11 - Sickness and accident insurance; construction of policies.

44-710.11.  Sickness and accident insurance; construction of policies.A policy of sickness and accident insurance delivered or issued for delivery to any person in this state in violation of sections 44-709 to 44-767 shall be held valid but shall be construed as provided in such sections. When any provision in a policy subject to such sections is in conflict with any provision of such sections, the rights, duties, and obligations of the insurer, the insured, and the beneficiary shall be governed by the provisions of such sections.Source   Laws 1957, c. 188, § 12, p. 657;   Laws 1989, LB 92, § 141.
NE Code § 44-710.12 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-710.12 - Sickness and accident insurance; copy of application attached to policy; request for reinstatement or renewal; copy attached to policy.

44-710.12.  Sickness and accident insurance; copy of application attached to policy; request for reinstatement or renewal; copy attached to policy.The insured shall not be bound by any statement made in an application for a policy of sickness and accident insurance unless a copy of such application is attached to or endorsed on the policy when issued as a part thereof. If any such policy delivered or issued for delivery to any person in this state is reinstated or renewed and the insured or the beneficiary or assignee of such policy makes written request to the insurer for a copy of the application, if any, for such reinstatement or renewal, the insurer shall, within fifteen days after the receipt of such request at its home office or any branch office of the insurer, deliver or mail to the person making such request a copy of such application. If such copy is not so delivered or mailed, the insurer shall be precluded from introducing such application as evidence in any action or proceeding based upon or involving such policy or its reinstatement or renewal.Source   Laws 1957, c. 188, § 13, p. 657;   Laws 1989, LB 92, § 142.
NE Code § 44-710.13 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-710.13 - Sickness and accident insurance; alteration of application.

44-710.13.  Sickness and accident insurance; alteration of application.No alteration of any written application for any policy of sickness and accident insurance shall be made by any person other than the applicant without his or her written consent, except that insertions may be made by the insurer, for administrative purposes only, in such manner as to indicate clearly that such insertions are not to be ascribed to the applicant.Source   Laws 1957, c. 188, § 14, p. 657;   Laws 1989, LB 92, § 143.
NE Code § 44-710.14 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-710.14 - Sickness and accident insurance; falsity of application; effect.

44-710.14.  Sickness and accident insurance; falsity of application; effect.The falsity of any statement in the application for any policy of sickness and accident insurance covered by sections 44-709 to 44-767 may not bar the right to recovery thereunder unless such false statement materially affected either the acceptance of the risk or the hazard assumed by the insurer.Source   Laws 1957, c. 188, § 15, p. 658;   Laws 1989, LB 92, § 144.  Annotations  This section must be read in pari materia with section 44-358. Farm Bureau Life Ins. Co. v. Luebbe, 218 Neb. 694, 358 N.W.2d 754 (1984); White v. Medico Life Ins. Co., 212 Neb. 901, 327 N.W.2d 606 (1982). This section should be construed with section 44-358 in determining whether policy risk is avoided. Zimmerman v. Continental Cas. Co., 181 Neb. 654, 150 N.W.2d 268 (1967). Where insured made no false statements in application, recovery was not barred by this section. Corrigan v. Fireman's Fund Ins. Co., 180 Neb. 13, 141 N.W.2d 170 (1966).
NE Code § 44-710.15 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-710.15 - Sickness and accident insurance; acts of insurer; no waiver.

44-710.15.  Sickness and accident insurance; acts of insurer; no waiver.The acknowledgment by an insurer of the receipt of notice given under any policy of sickness and accident insurance, the furnishing of forms for filing proofs of loss, the acceptance of such proofs, or the investigation of any claim thereunder shall not operate as a waiver of any of the rights of the insurer in defense of any claim arising under such policy.Source   Laws 1957, c. 188, § 16, p. 658;   Laws 1969, c. 375, § 1, p. 1335;   Laws 1989, LB 92, § 145.
NE Code § 44-710.16 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-710.16 - Sickness and accident insurance; age limit; acceptance of premium, effect; misstatement of age, effect.

44-710.16.  Sickness and accident insurance; age limit; acceptance of premium, effect; misstatement of age, effect.If any policy of sickness and accident insurance contains a provision establishing, as an age limit or otherwise, a date after which the coverage provided by the policy will not be effective, and if such date falls within a period for which premium is accepted by the insurer or if the insurer accepts a premium after such date, the coverage provided by the policy will continue in force subject to any right of cancellation until the end of the period for which premium has been accepted. In the event the age of the insured has been misstated and if, according to the correct age of the insured, the coverage provided by the policy would not have become effective or would have ceased prior to the acceptance of such premium or premiums, then the liability of the insurer shall be limited to the refund, upon request, of all premiums paid for the period not covered by the policy.Source   Laws 1957, c. 188, § 17, p. 658;   Laws 1989, LB 92, § 146.
NE Code § 44-710.17 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-710.17 - Sickness and accident insurance; individual and franchise policies; riders and endorsements; requirements.

44-710.17.  Sickness and accident insurance; individual and franchise policies; riders and endorsements; requirements.No restrictive rider or endorsement which is attached to or is to become a part of any individual or franchise policy of sickness and accident insurance delivered or issued for delivery to any person in this state shall be effective unless each such restrictive rider or endorsement or specific request therefor is signed by the applicant, except that the signature of the applicant shall not be required on any endorsement applied to a policy by means of printing or stamping on the policy at the time of original issuance of the policy if notice of the endorsement is affixed on the face and filing back in contrasting color, in not less than twelve-point type. The term restrictive rider or endorsement as used in this section shall mean any rider or endorsement which reduces, restricts, or eliminates coverage of the policy of which the rider or endorsement is a part.Source   Laws 1963, c. 260, § 1, p. 785;   Laws 1965, c. 264, § 1, p. 748.
NE Code § 44-710.18 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-710.18 - Sickness and accident insurance; return of policy; notice; effect.

44-710.18.  Sickness and accident insurance; return of policy; notice; effect.Except as provided in section 44-3608, every individual policy of sickness and accident insurance, except single-premium nonrenewable policies, shall have printed on its face or attached thereto 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, it shall be void from the beginning and the parties shall be in the same position as if no policy had been issued.Source   Laws 1969, c. 374, § 2, p. 1334;   Laws 1980, LB 877, § 12;   Laws 1988, LB 998, § 1;   Laws 1989, LB 92, § 147.
NE Code § 44-710.19 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-710.19 - Individual and group sickness and accident insurance; health maintenance organization contract; newly born child; coverage; when.

44-710.19.  Individual and group sickness and accident insurance; health maintenance organization contract; newly born child; coverage; when.(1) All individual and group policies of sickness and accident insurance providing coverage on an expense-incurred basis and health maintenance organization contracts shall provide benefits for newly born children of the insured or subscriber from the moment of birth.(2) The coverage for newly born children shall consist of coverage of injury or sickness including the necessary care and treatment of medically diagnosed congenital defects and birth abnormalities.(3) A policy or contract may require that notification of birth of a newly born child and payment of the required premium or fees shall be furnished to the insurer or health maintenance organization within thirty-one days after the date of birth in order to have the coverage continue beyond such thirty-one-day period.(4) The requirements of this section shall apply to all insurance policies and subscriber contracts delivered or issued for delivery in this state on or after January 1, 1995.Source   Laws 1975, LB 28, § 1;   Laws 1989, LB 92, § 148;   Laws 1994, LB 978, § 20.  Annotations This section requires that any insurance policy in force as to a covered newborn child shall provide coverage in the same manner that it does for other family members. It does not transform a services-incurred policy into an occurrence policy. Howard v. Blue Cross Blue Shield, 242 Neb. 150, 494 N.W.2d 99 (1993).
NE Code § 44-711 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-711 - Sickness and accident insurance; hearing on policy form; disapproval; appeal.

44-711.  Sickness and accident insurance; hearing on policy form; disapproval; appeal.After the expiration of such thirty days from the filing of any such form, as provided in section 44-710, 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 44-710. 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. An appeal from the decision of the Director of Insurance may be taken, and the appeal shall be in accordance with the Administrative Procedure Act.Source   Laws 1947, c. 164, § 2(2), p. 453;   Laws 1969, c. 359, § 22, p. 1277;   Laws 1972, LB 1059, § 4;   Laws 1988, LB 352, § 52.  Cross References  Administrative Procedure Act, see section 84-920.
NE Code § 44-712 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-712 - Sickness and accident insurance; good faith estimate; requirements; effect.

44-712.  Sickness and accident insurance; good faith estimate; requirements; effect.(1) Any individual or group sickness and accident insurance policy or subscriber contract, any hospital, medical, or surgical expense-incurred policy, and any prepaid dental service plan that is issued for delivery, delivered, or renewed in this state, except policies that provide coverage for a specified disease or other limited-benefit coverage and health maintenance organization contracts, that provides for payment of claims based upon a specific methodology including, but not limited to, usual and customary charges, reasonable and customary charges, maximum benefit allowance, or charges based upon the prevailing rate in the community, shall provide that, upon request, a policyholder, certificate holder, covered dependent, or authorized representative shall be provided a written statement that includes a good faith estimate of the dollar amount of the allowable benefit for a service or procedure if the request includes information regarding any service or procedure to be performed by a nonpreferred provider, including any service or procedure code number or diagnosis related group provided by the health care provider and the health care provider's estimated charge.(2) A statement requested pursuant to this section shall be sent to the policyholder, certificate holder, covered dependent, or authorized representative within ten business days after receipt of the request from the policyholder, certificate holder, covered dependent, or authorized representative.(3) The insurer or other entity that provides a statement pursuant to and in compliance with this section shall not be bound by a good faith estimate, except that a pattern of providing estimates that vary significantly from the ultimate payment shall be an unfair claims settlement practice subject to the Unfair Insurance Claims Settlement Practices Act.Source Laws 1999, LB 326, § 5. Cross References  Unfair Insurance Claims Settlement Practices Act, see section 44-1536.