reglab/statecodes huggingface dataset:
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1108 - Admissibility of application as evidence

20-1108.
Admissibility of application as evidence
A. An application for the issuance of any life or disability insurance policy or contract is not admissible in evidence in any action relative to such policy or contract,  unless a true copy of the application was attached to or otherwise made a part of the policy when issued and delivered. This subsection does not apply to industrial life insurance policies.
B. If any policy of life or disability insurance delivered in this state is reinstated or renewed,  and the insured or the beneficiary or assignee of the policy makes written request to the insurer for a copy of the application,  if any,  for such reinstatement or renewal,  the insurer,  within thirty days after receipt of the request at its home office or at any of its branch offices,  shall deliver or send to the person making the request a copy of the application. If the copy is not delivered or sent after having been requested,  the insurer is precluded from introducing the application in evidence in any action or proceeding based on or involving the policy or its reinstatement or renewal.
C. As to kinds of insurance other than life insurance,  an application for insurance signed by or on behalf of the insured is not admissible in evidence in any action between the insured and the insurer arising out of the policy so applied for,  if the insurer has failed,  at the expiration of thirty days after receipt by the insurer of written demand therefor by or on behalf of the insured,  to furnish to the insured a copy of the application reproduced by any legible means.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1109 - Statements as representation; effect of misrepresentation upon policy

20-1109.
Statements as representation;  effect of misrepresentation upon policy
All statements and descriptions in any application for an insurance policy or in negotiations therefor,  by or in behalf of the insured,  shall be deemed to be representations and not warranties. Misrepresentations,  omissions,  concealment of facts and incorrect statements shall not prevent a recovery under the policy unless:
1. Fraudulent.
2. Material either to the acceptance of the risk,  or to the hazard assumed by the insurer.
3. The insurer in good faith would either not have issued the policy,  or would not have issued a policy in as large an amount,  or would not have provided coverage with respect to the hazard resulting in the loss,  if the true facts had been made known to the insurer as required either by the application for the policy or otherwise.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1110.01 - Rules and regulations; form and readability of policies

20-1110.01.
Rules and regulations;  form and readability of policies
A. The director shall adopt and promulgate rules and regulations governing the form and readability of various types of insurance policies including title insurance policies. Such rules and regulations may provide that the readability requirements established pursuant to this subsection may be met by use of an outline of coverage or brochure which accompanies the policy and is provided to the policyholder.
B. The rules and regulations adopted and promulgated by the director pursuant to subsection A of this section shall neither require standardized forms of policies nor mandate or prohibit the inclusion of any coverage provisions in policies issued in this state.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1111 - Grounds for disapproval of forms

20-1111.
Grounds for disapproval of forms
A. The director shall disapprove any form of policy,  application,  rider or endorsement or withdraw any previous approval thereof only:
1. If it is in any respect in violation of or does not comply with this title.
2. If it contains or incorporates by reference any inconsistent,  ambiguous or misleading clauses,  or exceptions and conditions which deceptively affect the risk purported to be assumed in the general coverage of the contract.
3. If it has any title,  heading or other indication of its provisions which is misleading.
4. If the purchase of such policy is being solicited by false,  deceptive or misleading advertising matter,  sales material or representations.
B. The director may disapprove any proof of death or loss form only if it imposes unreasonable requirements,  or is in violation of this title,  or contains deceptive or ambiguous matter.
C. The director may disapprove any advertising matter or sales material which is in violation of this title.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1112 - Standard provisions

20-1112.
Standard provisions
A. Insurance contracts shall contain such standard provisions as are required by the applicable provisions of this title pertaining to contracts of particular kinds of insurance. The director may waive the required use of a particular standard provision in a particular insurance policy form if he finds such provision unnecessary for the protection of the insured and inconsistent with the purposes of the policy and the policy is otherwise approved by him.
B. No policy shall contain any provision inconsistent with or contradictory to any standard provision used or required to be used,  but the director may approve any substitute policy or provision which,  when viewed in its entirety,  is substantially equivalent to or more favorable to the insured or beneficiary than the standard provisions or optional standard provisions otherwise required.
C. In lieu of the standard provisions required by the provisions of this title for contracts for particular kinds of insurance,  substantially similar standard provisions required by the law of the domicile of a foreign or alien insurer may be used when approved by the director.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1113 - Contents of policy

20-1113.
Contents of policy
A. The written instrument in which a contract of insurance is set forth is the policy.
B. Every policy shall specify:
1. The names of the parties to the contract.
2. The insurer's name.
3. The subject of the insurance.
4. The risks insured against.
5. The time when the insurance thereunder takes effect and the period during which the insurance is to continue.
6. The premium.
7. The conditions pertaining to the insurance.
C. If under the policy the exact amount of premium is determinable only at stated intervals or termination of the contract,  a statement of the basis and rates upon which the premium is to be determined and paid shall be included.
D. The provisions of subsections A,  B and C shall not apply to surety contracts,  or to group insurance policies.
E. A policy may contain additional provisions not inconsistent with this title and which are:
1. Required to be inserted by the laws of the insurer's domicile.
2. Necessary,  on account of the manner in which the insurer is constituted or operated,  in order to state the rights and obligations of the parties to the contract.
3. Desired by the insurer and neither prohibited by law nor in conflict with any provisions required to be included therein.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1114 - Incorporation of charter or bylaw into policy

20-1114.
Incorporation of charter or bylaw into policy
No policy shall contain any provision purporting to make any portion of the charter,  bylaws or other constituent document of the insurer a part of the contract unless such portion is set forth in full in the policy. Any policy provision in violation of this section shall be invalid.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1115 - Void policy restrictions

20-1115.
Void policy restrictions
A. No policy delivered or issued for delivery in this state and covering a subject of insurance resident,  located or to be performed in this state,  shall contain any condition,  stipulation or agreement:
1. Requiring the policy to be construed according to the laws of any other state or country,  except as necessary to meet the requirements of the motor vehicle financial responsibility laws or compulsory disability benefit laws of such other state or country.
2. Preventing the bringing of an action against the insurer for more than six months after the cause of action accrues.
3. Limiting the time within which an action may be brought to a period of less than two years from the time the cause of action accrues in connection with all insurances other than property and marine and transportation insurances. In property and marine and transportation policies such time shall be one year from the date of occurrence of the event resulting in the loss except that an insurer may extend such limitation beyond one year in its policy provisions.
B. Any such condition,  stipulation or agreement shall be void,  but such voidance shall not affect the validity of the other provisions of the policy.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1116 - Execution of policies

20-1116.
Execution of policies
A. Every insurance policy shall be executed in the name of and on behalf of the insurer by its officer,  attorney-in-fact,  employee or representative duly authorized by the insurer.
B. A facsimile signature of any such executing individual may be used in lieu of an original signature.
C. No insurance contract issued and which is otherwise valid shall be rendered invalid by reason of the apparent execution thereof on behalf of the insurer by the imprinted facsimile signature of an individual not authorized so to execute as of the date of the policy,  if the policy is countersigned with the original signature or initial of an individual then so authorized.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1117 - Underwriters' and combination policies

20-1117.
Underwriters' and combination policies
A. Two or more authorized insurers may jointly issue,  and shall be jointly and severally liable on,  an underwriters' policy bearing their names. Any one insurer may issue policies in the name of an underwriter's department and such policy shall plainly show the true name of the insurer.
B. Two or more insurers may,  with the approval of the director,  issue a combination policy which shall contain provisions substantially as follows:
1. That the insurers executing the policy shall be severally liable for the full amount of any loss or damage,  according to the terms of the policy,  or for specified percentages or amounts thereof,  aggregating the full amount of insurance under the policy.
2. That service of process,  or of any notice or proof of loss required by such policy,  upon any of the insurers executing the policy,  shall constitute service upon all such insurers.
C. This section shall not apply to cosurety obligations.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1118 - Validity of noncomplying forms

20-1118.
Validity of noncomplying forms
Any insurance policy,  rider or endorsement issued after January 1,  1955 and otherwise valid which contains any condition or provision not in compliance with the requirements of this title shall not be thereby rendered invalid 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 title.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1119 - Construction of policies; translation; disclaimer

20-1119.
Construction of policies;  translation;  disclaimer
A. 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.
B. An insurance policy that is translated into a language other than English and that is issued for delivery by an insurer in this state does not amplify,  extend or modify the terms of the English language version of the policy if the policy contains a disclaimer that is prominently displayed on the cover page or a page that corresponds to the cover page in a contrasting color or bold-faced type in the translated language and that states: " The English language version of this policy controls in the event of a conflict or varying interpretation of the coverage provided under this policy" .
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1120 - Binders

20-1120.
Binders
A. Binders or other contracts for temporary insurance may be made orally or in writing,  and shall be deemed to include all the usual terms of the policy as to which the binder was given together with such applicable endorsements as are designated in the binder,  except as superseded by the clear and express terms of the binder.
B. No binder shall be valid beyond the issuance of the policy with respect to which it was given,  or beyond ninety days from its effective date,  whichever period is the shorter.
C. If the policy has not been issued a binder may be extended or renewed beyond such ninety days with the written approval of the director,  or in accordance with such rules and regulations relative thereto as the director may promulgate.
D. This section shall not apply to life or disability insurances.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1121 - Renewal of policy by certificate or endorsement

20-1121.
Renewal of policy by certificate or endorsement
Any insurance policy terminating by its terms at a specified expiration date and not otherwise renewable,  may be renewed or extended at the option of the insurer upon a currently authorized policy form at the premium rate then required therefor for a specific additional period or periods by certificate or by endorsement of the policy,  and without requiring the issuance of a new policy.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1122 - Assignment of policies

20-1122.
Assignment of policies
A policy may be assignable or not assignable,  as provided by its terms. Subject to its terms relating to assignability,  any life or disability policy,  when issued,  under the terms of which the beneficiary may be changed upon the sole request of the insured,  may be assigned either by pledge or transfer of title,  by an assignment executed by the insured alone and delivered to the insurer,  whether or not the pledgee or assignee is the insurer. Any such assignment shall entitle the insurer to deal with the assignee as the owner or pledgee of the policy in accordance with the terms of the assignment until the insurer has received at its home office written notice of termination of the assignment or pledge,  or written notice by or on behalf of some other person claiming some interest in the policy in conflict with the assignment.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1123 - Annulment of liability policies

20-1123.
Annulment of liability policies
No insurance contract insuring against loss or damage through legal liability for the bodily injury or death by accident of any individual,  or for damage to the property of any person,  shall be retroactively annulled by any agreement between the insurer and the insured after the occurrence of any injury,  death or damage for which the insured may be liable,  and any attempted annulment shall be void.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1123.01 - Motor vehicle liability insurance; primary and excess coverage

20-1123.01.
Motor vehicle liability insurance;  primary and excess coverage
A. If two or more policies affording valid and collectible automobile liability insurance apply to the same motor vehicle in an occurrence out of which a liability loss shall arise,  and one of such policies affords coverage to a named insured engaged in the business of selling,  repairing,  servicing,  delivering,  testing,  road testing,  parking or storing motor vehicles,  both of the following shall be conclusively presumed:
1. If,  at the time of loss,  the motor vehicle is being operated by any person engaged in any of such businesses,  or by his employee or agent,  the insurance afforded by the policy issued to the person engaged in such business shall be primary,  and the insurance afforded by any other policy shall be excess.
2. If,  at the time of loss,  the motor vehicle is being operated by any person other than as described in paragraph 1,  the insurance afforded by the policy issued to any person engaged in any of such businesses shall be excess over all other insurance available to such operator as a named insured or otherwise.
B. Except as provided in subsection A of this section,  if two or more policies affording valid and collectible liability insurance apply to the same motor vehicle in an occurrence out of which a liability loss shall arise,  it shall be conclusively presumed that the insurance afforded by that policy in which such motor vehicle is described or rated as an owned automobile shall be primary and the insurance afforded by any other policy or policies shall be excess.
C. The presumptions stated in subsection A of this section may be modified or amended only by written agreement signed by all insurers who have issued a policy or policies applicable to a loss described in such subsection and all named insureds under such policies.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1124 - Discharge of insurer by payment under policy

20-1124.
Discharge of insurer by payment under policy
When the proceeds of or payments under a life or disability insurance policy or annuity contract become payable in accordance with the terms of the policy or contract,  or the exercise of any right or privilege thereunder,  and the insurer makes payment thereof in accordance with the terms of the policy or contract or in accordance with any written assignment thereof,  the person then designated in the policy or contract or by the assignment as being entitled thereto shall be entitled to receive the proceeds or payments and to give full acquittance therefor,  and the payments shall fully discharge the insurer from all claims under the policy or contract unless,  before payment is made,  the insurer has received at its home office written notice by or on behalf of some other person that such other person claims to be entitled to such payment or some interest in the policy or contract.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1125 - Discharge of payor by payment of benefits under employee benefit plan or life insurance policy

20-1125.
Discharge of payor by payment of benefits under employee benefit plan or life insurance policy
Notwithstanding the provisions of section 25-211,  when payment or refund is made to an employee,  former employee or his beneficiary or estate pursuant to a written retirement,  death or other employee benefit plan or savings plan,  or when the proceeds of,  or payments under,  a policy or contract issued by a life insurance company becomes payable,  and the company makes payment in accordance with the terms thereof,  or in accordance with the terms of a written assignment thereof if the policy or contract has been assigned,  the payment or refund shall fully discharge the employer and any trustee or insurance company making the payment or refund from all adverse claims thereto unless,  before payment or refund is made,  the employer or former employer,  where the payment is made by the employer or former employer,  has received at its principal place of business within this state,  written notice by or on behalf of some other person that such other person claims to be entitled to the payment or refund or some part thereof,  or where a trustee or insurance company is making the payment,  the notice has been received by the trustee or insurance company at its home office. Nothing in this section shall affect a claim or right to the payment or refund or part thereof as between all persons other than the employer and the trustee or insurance company making such payment or refund.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1126 - Health care insurers; pharmacy benefits managers; cost sharing; calculation; definitions

20-1126.
Health care insurers;  pharmacy benefits managers;  cost sharing;  calculation;  definitions
A. When calculating an enrollee's contribution to any out-of-pocket maximum,  deductible,  copayment,  coinsurance or other applicable cost sharing requirement,  the health care insurer that provides pharmacy benefits or a pharmacy benefits manager that administers pharmacy benefits for a health care insurer shall include any cost sharing amount paid by either the enrollee or another person on behalf of the enrollee for a prescription drug that is either:
1. Without a generic equivalent.
2. With a generic equivalent where the enrollee has obtained access to the prescription drug through any of the following:
(a) Prior authorization.
(b) A step therapy protocol.
(c) The health care insurer's exceptions and appeals process.
B. For the purposes of this section:
1. " Generic equivalent" :
(a) Means a drug that has an identical amount of the same active chemical ingredients in the same dosage form,  that meets applicable standards of strength,  quality and purity according to the United States pharmacopeia or other nationally recognized compendium and that,  if administered in the same amounts,  will provide comparable therapeutic effects.
(b) Does not include a drug that is listed by the United States food and drug administration as having unresolved bioequivalence concerns according to the administration's most recent publication of approved drug products with therapeutic equivalence evaluations.
2. " Health care insurer"  has the same meaning prescribed in section 20-1379.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1127 - Simultaneous deaths

20-1127.
Simultaneous deaths
Where the individual insured or the annuitant and the beneficiary designated in a life insurance policy or policy insuring against accidental death or in an annuity contract have died and there is not sufficient evidence that they have died otherwise than simultaneously,  the proceeds of the policy or contract shall be distributed as if the insured or annuitant had survived the beneficiary,  unless otherwise specifically provided in the policy or contract.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1128 - Rights of spouse in life or disability policy

20-1128.
Rights of spouse in life or disability policy
A. The benefits payable upon the death of the insured and provided in any life or disability insurance policy made payable to or for the benefit of the spouse of the insured shall,  unless contrary to the terms of the policy,  inure upon their becoming payable,  to the separate use and benefit of such spouse,  but until the benefits become payable the insurer shall be entitled to deal with the insured or person designated in the policy as having control thereof with respect to the policy and all benefits thereof,  including loan and cash surrender values,  without first securing the consent of such spouse.
B. The beneficial interest of a spouse in a life or disability insurance policy as to which a child of the spouse is the insured shall be deemed to be a community and not a separate interest unless expressly otherwise provided in the policy,  but if the premiums paid to maintain the policy have been paid with separate funds or partly with separate and partly with community funds,  the proceeds and avails of the policy shall constitute separate property in that proportion which the separate premiums paid bear to the total premiums paid.
C. In any life or disability insurance policy issued upon the life of a spouse,  the designation made by such spouse of a beneficiary in accordance with the terms of the policy shall create a presumption that the beneficiary was so designated with the consent of the other spouse,  but only as to any beneficiary who is the child,  grandchild,  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 of any such beneficiary.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1129 - Furnishing of proof of loss forms by insurer

20-1129.
Furnishing of proof of loss forms by insurer
An insurer shall furnish,  upon written request of any person claiming to have a loss under an insurance contract issued by the insurer,  forms of proof of loss for completion by the person,  but the 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.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1130 - Administration of claim against insurer not deemed waiver of defense

20-1130.
Administration of claim against insurer not deemed waiver of defense
Without limitation of any right or defense of an insurer otherwise,  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:
1. Acknowledgement of the receipt of notice of loss or claim under the policy.
2. 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.
3. Investigating any loss or claim under any policy or engaging in negotiations looking toward a possible settlement of any such loss or claim.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1131 - Exemption of life insurance proceeds and cash values from creditors

20-1131.
Exemption of life insurance proceeds and cash values from creditors
A. If a policy of life insurance is effected by any person on the person's own life or on another life in favor of another person having an insurable interest in the policy,  or made payable by assignment,  change of beneficiary or other means to a third person,  the lawful beneficiary or such third person,  other than the person effecting the insurance or the person's legal representatives,  is entitled to its proceeds against the creditors and representatives of the person effecting the insurance.
B. Subject to the statute of limitations,  the amount of any premiums for insurance paid in fraud of creditors,  with interest,  shall inure to their benefit from the proceeds of the policy,  but the insurer issuing the policy shall be discharged of all liability on the policy by payment of the proceeds in accordance with its terms,  unless before payment the insurer received written notice by or in behalf of some creditor,  with specification of the amount claimed,  claiming to recover for certain premiums paid in fraud of creditors.
C. For the purposes of subsection A,  a policy shall also be deemed to be payable to a person other than the insured if and to the extent that a facility-of-payment clause or similar clause in the policy permits the insurer to discharge its obligation after the death of the individual insured by paying the death benefits to a person as permitted by the clause.
D. If,  for a continuous,  unexpired period of two years,  a policy of life insurance has named as beneficiary the insured's surviving spouse,  child,  parent,  brother,  sister or any other dependent family member,  then,  in event of bankruptcy or in any proceeding before any court in this state,  the cash surrender value of the insurance,  in the proportion that the policy names any such beneficiary,  shall be exempt from claims and demands of all creditors,  other than a creditor to whom the policy has been pledged or assigned,  and except that,  subject to the statute of limitations,  the amount of any premiums which are recoverable or avoidable by a creditor pursuant to title 44,  chapter 8,  article 1,  with interest,  shall inure to their benefit from the cash surrender value. For the purposes of this subsection,  " dependent"  means a family member who is dependent on the insured for not less than half support.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1132 - Exemption of group life insurance proceeds from creditors; exception

20-1132.
Exemption of group life insurance proceeds from creditors;  exception
A. 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 by 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 debts.
B. This section shall not apply to group life insurance issued pursuant to article 2 of chapter 6 of this title to a creditor covering his debtors,  to the extent that such proceeds are applied to payment of the obligation for the purpose of which the insurance was so issued.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1133 - Medicare supplement insurance; early enrollment discounts; applicability

20-1133.
Medicare supplement insurance;  early enrollment discounts;  applicability
A. The director shall adopt rules necessary to comply with the requirements of the social security disability amendments of 1980 (P.L. 96-265;  42 United States Code section 1395ss) and any federal laws or regulations pertaining to that section,  so that this state may retain its full authority to regulate minimum standards for medicare supplement insurance.
B. For the purposes of this section,  an insurer may file for medicare supplement rates that include an early enrollment discount that will not be considered an attained age rating structure. An early enrollment discount shall diminish over a period of time and is only available to enrollees who purchase the plan within the early enrollment period designated by the insurer. Insurers shall disclose to all applicants how the early enrollment discount will diminish over time.
C. Subject to the other limitations provided in this subsection,  a benefit mandated in this title for health insurance policies does not apply to medicare supplement insurance policies unless the mandated policy benefit is set forth in rules adopted pursuant to this section or unless the statute mandating the policy benefit expressly states that it is made specifically applicable to medicare supplement insurance policies. A medicare supplement insurance policy may not contain any exclusion for services provided by any type of properly licensed health care provider if the provider's services are eligible for medicare reimbursement and if the specific services in question would be covered by medicare. The scope of benefits of a medicare supplement policy may not be less than the minimum level of benefits established by federal law.
D. Notwithstanding any other provision of this title,  rules adopted pursuant to this section apply to insurance provided under disability insurance policies,  under subscription contracts of hospital,  medical,  dental or optometric service corporations,  under certificates of fraternal benefit societies,  under evidences of coverage of health care services organizations and under coverages issued by any other insurer,  which policies,  contracts,  certificates,  membership coverages,  evidences of coverage and coverages are delivered or issued for delivery in this state on or after the effective date of rules adopted pursuant to subsection A of this section. In adopting the rules required by subsection A of this section,  the director shall prescribe an effective date of the rules that will allow insurers sufficient time to bring their forms and practices into compliance with the requirements of the rule.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1135 - Prohibition against excluding coverage because of previous tests for a condition

20-1135.
Prohibition against excluding coverage because of previous tests for a condition
An insurance contract offered by an insurer pursuant to this chapter shall not exclude coverage of a condition if the insured person has previously had tests for the condition and the condition was not found to exist. There must be evidence that a condition actually existed before the insurance contract was entered into in order to exclude coverage of the condition.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1136 - Accelerated payments of certain benefits in life insurance policies

20-1136.
Accelerated payments of certain benefits in life insurance policies
A. Notwithstanding any other provision of this title,  any policy of life insurance may provide,  in accordance with the provisions of subsection B,  for the acceleration of death benefits in advance of the time such benefits would otherwise be payable upon the occurrence of a terminal illness,  a catastrophic illness,  or eligibility for long-term care.
B. The director may adopt rules regarding advertising,  disclosure,  benefit levels,  benefit eligibility,  nonforfeiture,  and reserves for the accelerated payment of death benefits set forth under subsection A.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1137 - Limited benefit coverage; prohibited practice; definition

20-1137.
Limited benefit coverage;  prohibited practice;  definition
A. Bundling or combining various limited benefit insurance policies and advertising or indicating in any manner that these policies are major medical expense coverage policies or could be substituted for major medical expense coverage is a prohibited practice pursuant to chapter 2,  article 6 of this title.
B. For the purposes of this title,  " limited benefit coverage"  means an insurance policy that is designed,  advertised and marketed to supplement major medical insurance and that includes accident only,  dental only,  vision only,  disability income only,  fixed or hospital indemnity,  specified disease insurance,  credit insurance or Taft-Hartley trusts.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1138 - Health insurance policies; member identification cards; applicability

20-1138.
Health insurance policies;  member identification cards;  applicability
A. An identification card that includes information facilitating a subscriber's,  enrollee's or insured's access to services or coverage under an individual or group health insurance contract,  evidence of coverage or policy issued or renewed in this state by a hospital and medical service corporation,  health care services organization or disability insurer must prominently display the letters " AZDOI"  in capital letters on the bottom front of the identification card and a telephone number that a subscriber,  enrollee or insured may call for customer assistance.
B. This section applies to identification cards for any individual or group contract,  evidence of coverage or policy issued or renewed from and after December 31,  2021.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1201 - Scope of article

20-1201.
Scope of article
This article applies to contracts of life insurance and annuities,  other than reinsurance,  group life insurance,  group annuities and industrial life insurance. Section 20-1217 (contestability as to excluded or restricted coverage),  section 20-1226 (limitation of liability),  section 20-1227 (incontestability after reinstatement),  section 20-1230 (dual pay policies) and sections 20-1231 and 20-1231.01 (standard nonforfeiture law) shall apply to industrial life insurance also.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1202 - Standard provisions required in life insurance policies

20-1202.
Standard provisions required in life insurance policies
A. No policy of life insurance other than industrial,  group and pure endowments with or without return of premiums or of premiums and interest,  shall be delivered or issued for delivery in this state unless it contains in substance all of the provisions required by sections 20-1203 to 20-1216,  inclusive. This section shall not apply to annuity contracts nor to any provision of a life insurance policy relating to disability benefits or to additional benefits in the event of death by accident or accidental means.
B. Any provisions or portions thereof not applicable to single premium or term policies shall to that extent not be incorporated therein.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1203 - Grace period

20-1203.
Grace period
There shall be a provision that a grace period of thirty days,  or,  at the option of the insurer,  of one month of not less than thirty days,  shall be allowed within which the payment of any premium after the first may be made,  during which period of grace the policy shall continue in full force. If a claim arises under the policy during the period of grace before the overdue premium is paid,  the amount of the premium may be deducted from the policy proceeds.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1204 - Incontestability

20-1204.
Incontestability
There shall be a provision that the policy,  exclusive of provisions relating to disability benefits or to additional benefits in the event of death by accident or accidental means,  shall be incontestable,  except for nonpayment of premiums,  after it has been in force during the lifetime of the insured for a period of two years from its date of issue.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1205 - Application and policy as entire contract; statements in application as representations; information

20-1205.
Application and policy as entire contract;  statements in application as representations;  information
A. There shall be a provision that the policy,  or the policy and the application therefor if a copy of the application is endorsed upon or attached to the policy when issued,  shall constitute the entire contract between the parties,  and that all statements contained in the application shall,  in the absence of fraud,  be deemed representations and not warranties.
B. On written request of an applicant or annuity holder,  an insurer shall provide within a reasonable time reasonable factual information regarding the benefits and provisions of his annuity contract.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1206 - Misstatement of age

20-1206.
Misstatement of age
There shall be a provision that if the age of the insured or of any other person whose age is considered in determining the premium has been misstated,  any amount payable or benefit accruing under the policy shall be such as the premium would have purchased at the correct age or ages.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1207 - Dividends

20-1207.
Dividends
There shall be a provision in participating policies that,  beginning not later than the end of the third policy year,  the insurer shall annually ascertain and apportion the divisible surplus,  if any,  that will accrue on the policy anniversary or other dividend date specified in the policy provided the policy is in force and all premiums to that date are paid. Except as provided in this section,  any dividend so apportioned shall,  at the option of the party entitled to elect such option,  be either payable in cash or applied to any one of such other dividend options as may be provided by the policy. If any such other dividend options are provided,  the policy shall further state which option shall be automatically effective if the party has not elected some other option. If the policy specifies a period within which the other dividend option may be elected,  such period shall be not less than thirty days following the date on which the dividend is due and payable. The annually apportioned dividend shall be deemed to be payable in cash even though the policy provides that payment of the dividend is to be deferred for a specified period,  but such period shall not exceed six years from the date of apportionment and interest shall be added to the dividend at a specified rate. If a participating policy provides that the benefit under any paid-up nonforfeiture provision is to be participating,  it may provide that any divisible surplus apportioned while the insurance is in force under the nonforfeiture provision shall be applied in the manner set forth in the policy.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1208 - Policy loan on old policies

20-1208.
Policy loan on old policies
A. In the case of policies issued prior to the operative date of section 20-1231,  there shall be a provision that after three full years premiums have been paid,  the insurer at any time while the policy is in force will advance on proper assignment or pledge of the policy and on the sole security thereof at a specified rate of interest not to exceed six per cent per annum,  an amount equal to,  or at the option of the owner of the policy less than,  the reserve at the end of the current policy year on the policy and on any dividend addition thereto,  computed according to any mortality table,  rate of interest and the method of valuation permitted by the provisions of this title,  the policy specifying the mortality table and rate of interest adopted for computing such reserve,  less an amount not more than two and one-half per cent of the amount insured by the policy and of any dividend additions thereto,  and that the insurer shall deduct from such loan value any existing indebtedness on the policy and any unpaid balance of the premium for the current policy year,  and may collect interest in advance on the loan to the end of the current policy year. An insurer may,  in lieu of the provisions permitted by this section for the deduction from a loan on the policy of an amount not more than two and one-half per cent of the amount insured by the policy and of any dividend additions thereto,  insert in the policy a provision that one fifth of the entire reserve may be deducted in case of a loan under the policy,  or may provide therein that the deduction may be the two and one-half per cent or the one fifth of the entire reserve at the option of the insurer. The policy shall reserve to the insurer the right to defer the granting of a loan,  other than for the payment of any premium to the insurer,  for six months after application therefor is made. The policy,  at the insurer's option,  may provide for an automatic premium loan,  subject to an election of the party entitled to elect.
B. The provision provided for in subsection A of this section shall not be required in term insurance,  nor shall it apply to temporary insurance or pure endowment insurance,  issued or granted in exchange for lapsed or surrendered policies.
C. In ascertaining the indebtedness due from policy loans,  the interest,  if not paid when due,  shall be added to the principal of the loans and shall bear interest at the rate specified in the note or loan agreement.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1209 - Policy loan on new policies

20-1209.
Policy loan on new policies
A. In case of policies issued on and after January 1,  1979,  there shall be a provision that after the policy has a cash surrender value and while no premium is in default beyond the grace period for payment,  the insurer will advance,  on proper assignment or pledge of the policy and on the sole security of such policy,  at a specified rate of interest,  an amount equal to or,  at the option of the party entitled thereto,  less than the loan value of the policy. The loan value of the policy shall be at least equal to the cash surrender value at the end of the then current policy year,  provided that the insurer may deduct,  either from the loan value or from the proceeds of the loan,  any existing indebtedness not already deducted in determining the cash surrender value including any interest then accrued but not due,  any unpaid balance of the premium for the current policy year and interest on the loan to the end of the current policy year. The policy may also provide that if interest on any indebtedness is not paid when due it shall then be added to the existing indebtedness and shall bear interest at the same rate,  and that if and when the total indebtedness on the policy,  including interest due or accrued,  equals or exceeds the amount of the loan value the policy shall terminate and become void. The policy shall reserve to the insurer the right to defer the granting of a loan,  other than for the payment of any premium to the insurer,  for six months after application. The policy,  at the insurer's option,  may provide for an automatic premium loan,  subject to an election of the party entitled to elect.
B. This section shall not apply to term policies nor to term insurance benefits provided by rider or supplemented policy provision.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1210 - Nonforfeiture options in old policies

20-1210.
Nonforfeiture options in old policies
A. There shall be a provision specifying the option to which the policyholder is entitled in the event of default in a premium payment after three full annual premiums have been paid. This provision shall not be required in term insurance of twenty years or less,  for which uniform premiums are payable during the entire term of the policy,  nor to any term policy of decreasing amount. A provision may also be inserted in the policy that in the event of default in a premium payment before such options become available the reserve on any dividend addition then in force may at the option of the insurer be paid in cash or applied as a net premium to the purchase of paid-up term insurance for any amount not in excess of the face of the original policy.
B. This section shall not apply to policies issued on or after the operative date of section 20-1231.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1213 - Reinstatement

20-1213.
Reinstatement
There shall be a provision that unless the policy has been surrendered for its cash surrender value or unless the paid-up term insurance,  if any,  has expired,  the policy will be reinstated at any time within three years from the date of premium default upon written application therefor,  the production of evidence of insurability satisfactory to the insurer,  the payment of all premiums in arrears,  and the payment or reinstatement of any other indebtedness to the insurer upon the policy,  all with interest at a rate not exceeding six per cent per annum compounded annually.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1215 - Payment of claims

20-1215.
Payment of claims
There shall be a provision that when a policy becomes a claim by the death of the insured settlement shall be made upon receipt of due proof of death and,  at the insurer's option,  surrender of the policy,  proof of the interest of the claimant,  or both. If an insurer specifies a particular period prior to the expiration of which settlement shall be made,  the period shall not exceed two months from the receipt of such proofs.
2023 Arizona Revised Statutes › Title 20 - Insurance › § 20-1217 - Excluded or restricted coverage

20-1217.
Excluded or restricted coverage
A clause in any policy of life insurance providing that the policy shall be incontestable after a specified period shall preclude only a contest of the validity of the policy,  and shall not preclude the assertion at any time of defenses based upon provisions in the policy which exclude or restrict coverage,  whether or not such restrictions or exclusions are excepted in the clause.