reglab/housing_qa huggingface dataset:
WA Rev Code § 48.18.375 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.375 - Assignment of interests under group insurance policy.

RCW 48.18.375 Assignment of interests under group insurance policy.A person whose life is insured under a group insurance policy may, subject and pursuant to the terms of the policy, or pursuant to an arrangement between the insured, the group policyholder and the insurer, assign to any or all his or her spouse, children, parents, or a trust for the benefit of any or all of them, all or any part of his or her incidents of ownership, rights, title, and interests, both present and future, under such policy including specifically, but not by way of limitation, the right to designate a beneficiary or beneficiaries thereunder and the right to have an individual policy issued to him in case of termination of employment or of said group insurance policy. Such an assignment by the insured, made either before or after July 16, 1973, is valid for the purpose of vesting in the assignee, in accordance with any provisions included therein as to the time at which it is to be effective, all of such incidents of ownership, rights, title, and interests so assigned, but without prejudice to the insurer on account of any payment it may make or individual policy it may issue prior to receipt of notice of the assignment. This section acknowledges, declares, and codifies the existing right of assignment of interests under group insurance policies.[ 2009 c 549 § 7072; 1973 1st ex.s. c 163 § 3.]
WA Rev Code § 48.18.390 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.390 - Simultaneous deaths—Payment of proceeds—Life insurance.

RCW 48.18.390 Simultaneous deaths—Payment of proceeds—Life insurance.Where the individual insured and the beneficiary designated in a life insurance policy or policy insuring against accidental death have died and there is not sufficient evidence that they have died otherwise than simultaneously, the proceeds of the policy shall be distributed as if the insured had survived the beneficiary, unless otherwise expressly provided in the policy.[1947 c 79 § .18.39; Rem. Supp. 1947 § 45.18.39.]NOTES:Simultaneous death, uniform act: Chapter 11.05A RCW.
WA Rev Code § 48.18.400 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.400 - Exemption of proceeds—Disability.

RCW 48.18.400 Exemption of proceeds—Disability.The proceeds or avails of all contracts of disability insurance and of provisions providing benefits on account of the insured's disability which are supplemental to life insurance or annuity contracts heretofore or hereafter effected shall be exempt from all liability for any debt of the insured, and from any debt of the beneficiary existing at the time the proceeds are made available for his or her use.[ 2009 c 549 § 7073; 1947 c 79 § .18.40; Rem. Supp. 1947 § 45.18.40.]
WA Rev Code § 48.18.420 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.420 - Exemption of proceeds—Group life.

RCW 48.18.420 Exemption of proceeds—Group life.(1) A policy of group life insurance or the proceeds thereof payable to the individual insured or to the beneficiary thereunder, shall not be liable, either before or after payment, to be applied to any legal or equitable process to pay any liability of any person having a right under the policy. The proceeds thereof, when not made payable to a named beneficiary or to a third person pursuant to a facility-of-payment clause, shall not constitute a part of the estate of the individual insured for the payment of his or her debts.(2) This section shall not apply to group life insurance policies issued under RCW 48.24.040 (debtor groups) to the extent that such proceeds are applied to payment of the obligation for the purpose of which the insurance was so issued.[ 2009 c 549 § 7075; 1947 c 79 § .18.42; Rem. Supp. 1947 § 45.18.42.]
WA Rev Code § 48.18.430 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.430 - Exemption of proceeds, commutation—Annuities.

RCW 48.18.430 Exemption of proceeds, commutation—Annuities.(1) The benefits, rights, privileges, and options under any annuity contract that are due the annuitant who paid the consideration for the annuity contract are not subject to execution and the annuitant may not be compelled to exercise those rights, powers, or options, and creditors are not allowed to interfere with or terminate the contract, except:(a) As to amounts paid for or as premium on an annuity with intent to defraud creditors, with interest thereon, and of which the creditor has given the insurer written notice at its home office prior to making the payments to the annuitant out of which the creditor seeks to recover. The notice must specify the amount claimed or the facts that will enable the insurer to determine the amount, and must set forth the facts that will enable the insurer to determine the insurance or annuity contract, the person insured or annuitant and the payments sought to be avoided on the basis of fraud.(b) The total exemption of benefits presently due and payable to an annuitant periodically or at stated times under all annuity contracts may not at any time exceed three thousand dollars per month for the length of time represented by the installments, and a periodic payment in excess of three thousand dollars per month is subject to garnishee execution to the same extent as are wages and salaries.(c) If the total benefits presently due and payable to an annuitant under all annuity contracts at any time exceeds payment at the rate of three thousand dollars per month, then the court may order the annuitant to pay to a judgment creditor or apply on the judgment, in installments, the portion of the excess benefits that the court determines to be just and proper, after due regard for the reasonable requirements of the judgment debtor and the judgment debtor's dependent family, as well as any payments required to be made by the annuitant to other creditors under prior court orders.(2) The benefits, rights, privileges, or options accruing under an annuity contract to a beneficiary or assignee are not transferable or subject to commutation, and if the benefits are payable periodically or at stated times, the same exemptions and exceptions contained in this section for the annuitant apply to the beneficiary or assignee.(3) An annuity contract within the meaning of this section is any obligation to pay certain sums at stated times, during life or lives, or for a specified term or terms, issued for a valuable consideration, regardless of whether or not the sums are payable to one or more persons, jointly or otherwise, but does not include payments under life insurance contracts at stated times during life or lives, or for a specified term or terms.[ 2011 c 162 § 4; 2005 c 223 § 10; 1949 c 190 § 25; 1947 c 79 § .18.43; Rem. Supp. 1949 § 45.18.43.]
WA Rev Code § 48.18.440 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.440 - Spouse's rights in life insurance policy.

RCW 48.18.440 Spouse's rights in life insurance policy.(1) Every life insurance policy heretofore or hereafter made payable to or for the benefit of the spouse of the insured, and every life insurance policy heretofore or hereafter assigned, transferred, or in any way made payable to a spouse or to a trustee for the benefit of a spouse, regardless of how such assignment or transfer is procured, shall, unless contrary to the terms of the policy, inure to the separate use and benefit of such spouse: PROVIDED, That the beneficial interest of a spouse in a policy upon the life of a child of the spouses, however such interest is created, shall be deemed to be a community interest and not a separate interest, unless expressly otherwise provided by the policy.(2) In any life insurance policy heretofore or hereafter issued upon the life of a spouse the designation heretofore or hereafter made by such spouse of a beneficiary in accordance with the terms of the policy, shall create a presumption that such beneficiary was so designated with the consent of the other spouse, but only as to any beneficiary who is the child, parent, brother, or sister of either of the spouses. The insurer may in good faith rely upon the representations made by the insured as to the relationship to him or her of any such beneficiary.[ 2009 c 549 § 7076; 1947 c 79 § .18.44; Rem. Supp. 1947 § 45.18.44.]
WA Rev Code § 48.18.450 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.450 - Life insurance payable to trustee named as beneficiary in the policy.

RCW 48.18.450 Life insurance payable to trustee named as beneficiary in the policy.Life insurance may be made payable to a trustee to be named as beneficiary in the policy and the proceeds of such insurance paid to such trustee shall be held and disposed of by the trustee as provided in a trust agreement or declaration of trust made by the insured during his or her lifetime. It shall not be necessary to the validity of any such trust agreement or declaration of trust that it have a trust corpus other than the right of the trustee to receive such insurance proceeds as beneficiary, and any such trustee may also receive assets, other than insurance proceeds, by testamentary disposition and administer them according to the terms of the trust agreement or declaration of trust as they exist at the death of the testator.[ 2009 c 549 § 7077; 1963 c 227 § 1.]
WA Rev Code § 48.18.452 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.452 - Life insurance designating as beneficiary a trustee named by will.

RCW 48.18.452 Life insurance designating as beneficiary a trustee named by 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. The proceeds of the insurance as collected by the trustee or trustees shall not be subject to debts of the insured and inheritance tax to any greater extent than if such proceeds were payable to any other named beneficiary other than the estate of the insured. Enactment of this section shall not invalidate previous life insurance policy beneficiary designations naming trustees of trusts established by will.[ 1963 c 227 § 2.]
WA Rev Code § 48.18.460 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.460 - Proof of loss—Furnishing forms—May require oath.

RCW 48.18.460 Proof of loss—Furnishing forms—May require oath.An insurer shall furnish, upon request of any person claiming to have a loss under any insurance contract, forms of proof of loss for completion by such person. But such insurer shall not, by reason of the requirement so to furnish forms, have any responsibility for or with reference to the completion of such proof or the manner of any such completion or attempted completion. If a person makes a claim under a policy of insurance, the insurer may require that the person be examined under an oath administered by a person authorized by state or federal law to administer oaths.[ 1995 c 285 § 17; 1949 c 190 § 26; 1947 c 79 § .18.46; Rem. Supp. 1949 § 45.18.46.]NOTES:Effective date—1995 c 285: See RCW 48.30A.900.
WA Rev Code § 48.18.470 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.470 - Claims administration—Not waiver.

RCW 48.18.470 Claims administration—Not waiver.None of the following acts by or on behalf of an insurer shall be deemed to constitute a waiver of any provision of a policy or of any defense of the insurer thereunder:(a) Acknowledgment of the receipt of notice of loss or of claim under the policy.(b) Furnishing forms for reporting a loss or claim, for giving information relative thereto, or for making proof of loss, or receiving or acknowledging receipt of any such forms or proofs completed or uncompleted.(c) Investigating any loss or claim under any policy or engaging in negotiations looking toward a possible settlement of any such loss or claim.[1947 c 79 § .18.47; Rem. Supp. 1947 § 45.18.47.]
WA Rev Code § 48.18.480 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.480 - Discrimination prohibited.

RCW 48.18.480 Discrimination prohibited.No insurer shall make or permit any unfair discrimination between insureds or subjects of insurance having substantially like insuring, risk, and exposure factors, and expense elements, in the terms or conditions of any insurance contract, or in the rate or amount of premium charged therefor, or in the benefits payable or in any other rights or privileges accruing thereunder. This provision shall not prohibit fair discrimination by a life insurer as between individuals having unequal expectation of life.[ 1957 c 193 § 12; 1947 c 79 § .18.48; Rem. Supp. 1947 § 45.18.480.]
WA Rev Code § 48.18.510 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.510 - Validity of noncomplying forms.

RCW 48.18.510 Validity of noncomplying forms.Any insurance policy, rider, or endorsement hereafter issued and otherwise valid, which contains any condition or provision not in compliance with the requirements of this code, shall not be rendered invalid thereby, but shall be construed and applied in accordance with such conditions and provisions as would have applied had such policy, rider, or endorsement been in full compliance with this code.[1947 c 79 § .18.51; Rem. Supp. 1947 § 45.18.51.]
WA Rev Code § 48.18.520 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.520 - Construction of policies.

RCW 48.18.520 Construction of policies.Every insurance contract shall be construed according to the entirety of its terms and conditions as set forth in the policy, and as amplified, extended, or modified by any rider, endorsement, or application attached to and made a part of the policy.[1947 c 79 § .18.52; Rem. Supp. 1947 § 45.18.52.]
WA Rev Code § 48.18.540 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.540 - Cancellations, denials, refusals to renew—Written notification.

RCW 48.18.540 Cancellations, denials, refusals to renew—Written notification.Every insurer upon canceling, denying, or refusing to renew any disability policy, shall, upon written request, directly notify in writing the applicant or insured, as the case may be, of the reasons for the action by the insurer and to any person covered under a group contract. Any benefits, terms, rates, or conditions of such a contract that are restricted, excluded, modified, increased, or reduced shall, upon written request, be set forth in writing and supplied to the insured and to any person covered under a group contract. The written communications required by this section shall be phrased in simple language that is readily understandable to a person of average intelligence, education, and reading ability.[ 1993 c 492 § 281.]NOTES:Findings—Intent—1993 c 492: See notes following RCW 43.20.050.Short title—Savings—Reservation of legislative power—Effective dates—1993 c 492: See RCW 43.72.910 through 43.72.915.
WA Rev Code § 48.18.543 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.543 - Single premium credit insurance—Residential mortgage loan—Restrictions—Definitions.

RCW 48.18.543 Single premium credit insurance—Residential mortgage loan—Restrictions—Definitions.(1) For the purposes of this section:(a) "Licensee" means every insurance producer licensed under chapter 48.17 RCW.(b) "Residential mortgage loan" means any loan primarily for personal, family, or household use secured by a mortgage or deed of trust on residential real estate upon which is constructed or intended to be constructed a single-family dwelling or multiple-family dwelling of four or less units.(c) "Single premium credit insurance" means credit insurance purchased with a single premium payment at inception of coverage.(2) An insurer or licensee may not issue or sell any single premium credit insurance product in connection with a residential mortgage loan unless:(a) The term of the single premium credit insurance policy is the same as the term of the loan;(b) The debtor is given the option to buy credit insurance paid with monthly premiums; and(c) The single premium credit insurance policy provides for a full refund of premiums to the debtor if the credit insurance is canceled within sixty days of the date of the loan.(3) This section does not apply to residential mortgage loans if:(a) The loan amount does not exceed ten thousand dollars, exclusive of fees;(b) The repayment term of the loan does not exceed five years; and(c) The term of the single premium credit insurance does not exceed the repayment term of the loan.[ 2008 c 217 § 18; 2003 c 116 § 1.]NOTES:Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
WA Rev Code § 48.18.547 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.547 - Underwriting restrictions that apply to medical malpractice insurance—Rules.

RCW 48.18.547 Underwriting restrictions that apply to medical malpractice insurance—Rules.(1) For the purposes of this section:(a) "Affiliate" has the same meaning as in RCW 48.31B.005(1).(b) "Claim" means a demand for monetary damages by a claimant.(c) "Claimant" means a person, including a decedent's estate, who is seeking or has sought monetary damages for injury or death caused by medical malpractice.(d) "Tier" has the same meaning as in RCW 48.18.545(1)(h).(e) "Underwrite" or "underwriting" means the process of selecting, rejecting, or pricing a risk, and includes each of these activities:(i) Evaluation, selection, and classification of risk, including placing a risk with an affiliate insurer that has higher rates and/or rating plan components that will result in higher premiums;(ii) Application of classification plans, rates, rating rules, and rating tiers to an insured risk; and(iii) Determining eligibility for:(A) Insurance coverage provisions;(B) Higher policy limits; or(C) Premium payment plans.(2) During each underwriting process, an insurer may consider the following factors only in combination with other substantive underwriting factors:(a) An insured has inquired about the nature or scope of coverage under a medical malpractice insurance policy;(b) An insured has notified their insurer about an incident that may be covered under the terms of their medical malpractice insurance policy, and that incident does not result in a claim; or(c) A claim made against an insured was closed by the insurer without payment. An insurer may consider the effect of multiple claims if they have a significant effect on the insured's risk profile.(3) If any underwriting activity related to the insured's risk profile results in higher premiums as described under subsection (1)(e)(i) and (ii) of this section or reduced coverage as described under subsection (1)(e)(iii) of this section, the insurer must provide written notice to the insured, in clear and simple language, that describes the significant risk factors which led to the underwriting action. The commissioner must adopt rules that define the components of a risk profile that require notice under this subsection.[ 2006 c 8 § 211.]NOTES:Application—2006 c 8 §§ 211-213: "Sections 211, 212, and 213 of this act apply to insurance policies issued or renewed on or after January 1, 2007." [ 2006 c 8 § 403.]Findings—Intent—Part headings and subheadings not law—Severability—2006 c 8: See notes following RCW 5.64.010.
WA Rev Code § 48.18.553 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.18 - The Insurance Contract.|48.18.553 - Victims of hate crime offenses—Restrictions of underwriting actions—Definitions.

RCW 48.18.553 Victims of hate crime offenses—Restrictions of underwriting actions—Definitions.(1) For the purposes of this section:(a) "Insured" means a current policyholder or a person or entity that is covered under the insurance policy.(b) "Hate crime offense" has the same meaning as RCW 9A.36.080. Under this section, the perpetrator does not have to be identified for a hate crime offense to have occurred.(c) "Underwriting action" means an insurer:(i) Cancels or refuses to renew an insurance policy; or(ii) Changes the terms or benefits in an insurance policy.(2) This section applies to property insurance policies if the insured is:(a) An individual;(b) A religious organization;(c) An educational organization; or(d) Any other nonprofit organization that is organized and operated for religious, charitable, or educational purposes.(3) An insurer may not take an underwriting action on a policy described in subsection (2) of this section because an insured has made one or more insurance claims for any loss that occurred during the preceding sixty months that is the result of a hate crime offense. An insurer may take an underwriting action due to other factors that are not prohibited by this subsection.(4) If an insured sustains a loss that is the result of a hate crime offense, the insured must file a report with the police or other law enforcement authority within thirty days of discovery of the incident, and a law enforcement authority must determine that a crime has occurred. The report must contain sufficient information to provide an insurer with reasonable notice that the loss was the result of a hate crime offense. The insured has a duty to cooperate with any law enforcement official or insurer investigation.(5) Annually, each insurer must report underwriting actions to the commissioner if the insurer has taken an underwriting action against any insured who has filed a claim during the preceding sixty months that was the result of a hate crime offense. The report must include the policy number, name of the insured, location of the property, and the reason for the underwriting action.[ 2019 c 271 § 11; 2003 c 117 § 1.]