reglab/statecodes huggingface dataset:
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-57.1 - Medical Assistance Intercept Act › Section 27-57.1-4. - Information to be provided by the executive office of health and human services.

§ 27-57.1-4. Information to be provided by the executive office of health and human services.
(a)
The executive office of health and human services shall periodically within each year furnish the insurance companies and insurers subject to this section with a list or compilation of claimants, who have received medical assistance as a result of the accident or loss that is the basis of the claim and who have been identified and matched through the centralized database provided for in this chapter. The information provided to the insurance companies and insurers shall be the names of individuals, with last known addresses, who as of the date of the list or compilation have received medical assistance in excess of five hundred dollars ($500).
(b)
In order to facilitate the efficient and prompt reporting of those medical assistance recipients in one centralized location, it is the duty and responsibility of the insurance companies doing business in the state to utilize one centralized database, to which the executive office of health and human services shall report and administer. Any insurer receiving information identifying an individual as a medical assistance recipient shall maintain the confidentiality of that information. Minimal data elements shall be shared with an agency contracted by the executive office of health and human services which maintains a centralized database of insurance claims. The contracted centralized database is required to keep confidential any personal and personnel information; records sufficient to identify an applicant for or recipient of medical assistance; preliminary drafts, notes, impressions, memoranda, working papers, and work products; as well as any other records, reports, opinions, information, and statements deemed confidential pursuant to state or federal law or regulation, or rule of court. That data shall not be disclosed to the insurer. Matched results are returned to the executive office of health and human services through its contracted agency. Proper quality assurance shall be performed by the contracted agency to insure the claim is open and collect additional information from the insurer including but not limited to contact information.
History of Section.
P.L. 2012, ch. 241, art. 11, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-58 - The Banking and Insurance Consumer Protection Act › Section 27-58-3. - Definitions.

§ 27-58-3. Definitions.
For the purposes of this chapter:
(1)
“Financial institution includes:
(i)
A bank, savings bank, or trust company, as defined in title 19, its affiliates or subsidiaries, or any of its officers, agents, representatives, or employees, or any bank, savings bank, or savings and loan association chartered pursuant to federal law and located in Rhode Island, its affiliates or subsidiaries, or any of its officers, agents, representatives, or employees;
(ii)
A bank holding company as defined in 12 U.S.C. § 1841, except any bank holding company that is exempt as provided in 12 U.S.C. § 1843(d), its affiliates or subsidiaries, or any of its officers, agents, representatives, or employees; or
(iii)
Any other individual, corporation, partnership, or association authorized to take deposits and to make loans of money under the provisions of chapters 5, 14, 14.1, and 14.2 of title 19 or any of its officers, agents, representatives, or employees.
(2)
“Insurance” includes all products defined or regulated as insurance by the department of business regulation except:
(i)
Credit life, credit accident and health, credit involuntary unemployment insurance; group credit insurance, forced, placed or voluntary credit personal property insurance; group mortgage cancellation life insurance, or group mortgage accident and health insurance and annuities;
(ii)
Insurance placed by a financial institution in connection with collateral pledged as security for a loan when the debtor breaches the contractual obligation to provide that insurance; and
(iii)
Private mortgage insurance.
History of Section.
P.L. 1996, ch. 325, § 1; P.L. 1997, ch. 114, § 1; P.L. 1997, ch. 197, § 2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-58 - The Banking and Insurance Consumer Protection Act › Section 27-58-4. - Authorization for implementing regulations.

§ 27-58-4. Authorization for implementing regulations.
The commissioner may promulgate administrative regulations to effectuate the purposes of this chapter and to ensure the safety and soundness of the banking and insurance businesses.
History of Section.
P.L. 1996, ch. 325, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-58 - The Banking and Insurance Consumer Protection Act › Section 27-58-5. - Licensure requirement.

§ 27-58-5. Licensure requirement.
Any insurance transaction conducted by a financial institution shall be conducted only by a Rhode Island licensed insurance producer representing a Rhode Island authorized insurer or representing a Rhode Island eligible surplus lines insurer.
History of Section.
P.L. 1996, ch. 325, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-58 - The Banking and Insurance Consumer Protection Act › Section 27-58-6. - Anti-tying provisions.

§ 27-58-6. Anti-tying provisions.
(a)
No financial institution may offer a banking product or service, or fix or vary the conditions of this offer, on a condition or requirement that the customer obtains insurance from the financial institution, or any particular insurance producer.
(b)
No person shall require or imply that the purchase of an insurance product from a financial institution by a customer or prospective customer of the institution is required as a condition of, or is in any way related to, the lending of money or extension of credit, the establishment or maintenance of a trust account, the establishment or maintenance of a checking or savings account or other deposit account, or the provision of services related to any of these activities.
History of Section.
P.L. 1996, ch. 325, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-58 - The Banking and Insurance Consumer Protection Act › Section 27-58-7. - Disclosures.

§ 27-58-7. Disclosures.
(a)
A financial institution shall prominently disclose in writing, in clear and concise language, to the institution’s customers, including in any advertisement or promotional material, pursuant to regulations prescribed by the commissioner, that insurance offered, recommended, sponsored, or sold by the financial institution:
(1)
Is not a deposit;
(2)
Is not insured by the Federal Deposit Insurance Corporation;
(3)
Is not guaranteed by the financial institution or an affiliated insured depository institution; and
(4)
Where appropriate, involves investment risk, including potential loss of principal.
(b)
A financial institution, for any loan for which insurance is required, shall disclose in writing to the institution’s customers, in clear and concise language prior to the signing of a loan or mortgage application, that by law the purchase of insurance from that financial institution cannot be required as a condition of loan or mortgage approval.
History of Section.
P.L. 1996, ch. 325, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-58 - The Banking and Insurance Consumer Protection Act › Section 27-58-8. - Sales force.

§ 27-58-8. Sales force.
Solicitation for the purchase or sale of insurance by a financial institution shall be conducted only by persons whose responsibilities do not include loan transactions or other transactions involving the extension of credit, or the taking of deposits. For the purposes of this section, solicitation does not include signage on the premises.
History of Section.
P.L. 1996, ch. 325, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-58 - The Banking and Insurance Consumer Protection Act › Section 27-58-9. - No discrimination against nonaffiliated agents.

§ 27-58-9. No discrimination against nonaffiliated agents.
No financial institution may:
(1)
Require as a condition of providing any product or service to any customer, or any renewal of any contract for providing the product or service, that the customer acquire, finance, or negotiate any policy or contract of insurance through a particular insurer or insurance producer;
(2)
In connection with a loan or extension of credit that requires a borrower to obtain insurance, reject an insurance policy because that policy has been issued or underwritten by any person who is not associated with that institution;
(3)
Impose any requirement on any insurance producer who is not associated with the financial institution that is not imposed on any insurance producer who is associated with that institution; or
(4)
Unless otherwise authorized by any applicable federal or state law, require any debtor, insurer, or producer to pay a separate charge in connection with the handling of insurance that is required under a contract.
History of Section.
P.L. 1996, ch. 325, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-58 - The Banking and Insurance Consumer Protection Act › Section 27-58-10. - Confidential customer information.

§ 27-58-10. Confidential customer information.
(a)
As used in this section, unless the context requires otherwise:
(1)
“Customer” means a person with an investment, security, deposit, trust, or credit relationship with a financial institution.
(2)
“Nonpublic customer information” means information regarding a person that has been derived from a record of a financial institution, including information concerning the terms and conditions of insurance coverage, insurance expirations, insurance claims, or insurance history of an individual. Nonpublic customer information does not include customer names, addresses, or telephone numbers.
(b)
No financial institution shall use any nonpublic customer information for the purpose of selling or soliciting the purchase of insurance or provide the nonpublic customer information to a third party for the purpose of another’s sale or solicitation of the purchase of insurance.
History of Section.
P.L. 1996, ch. 325, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-58 - The Banking and Insurance Consumer Protection Act › Section 27-58-11. - Insurance in connection with a loan.

§ 27-58-11. Insurance in connection with a loan.
(a)
If insurance is required as a condition of obtaining a loan, the credit and insurance transactions shall be completed independently and through separate documents.
(b)
A loan for premiums on required insurance shall not be included in the primary credit without the written consent of the customer.
History of Section.
P.L. 1996, ch. 325, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-58 - The Banking and Insurance Consumer Protection Act › Section 27-58-12. - Physical location of insurance activities.

§ 27-58-12. Physical location of insurance activities.
The place of solicitation or sale of insurance by any financial institution shall be from an office physically separated from the banking activities of the institution. Physical separation shall not be defined as a separate building. The commissioner shall have the authority to promulgate rules and regulations to implement this section pursuant to § 27-58-4.
History of Section.
P.L. 1996, ch. 325, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-58 - The Banking and Insurance Consumer Protection Act › Section 27-58-13. - Penalties.

§ 27-58-13. Penalties.
Any person who violates the provisions of this chapter, or who fails to perform any duties imposed by this chapter, or who violates any administrative regulation promulgated pursuant to this chapter shall be liable for a civil penalty not to exceed the sum of one hundred dollars ($100) for each day the violation continues, and in addition, may be concurrently enjoined from any further violations by the superior court upon petition of the insurance commissioner.
History of Section.
P.L. 1996, ch. 325, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-59 - Alien Insurance Companies › Section 27-59-1. - Definitions.

§ 27-59-1. Definitions.
As used in this chapter, unless the context requires otherwise:
(1)
“Alien insurance company” means any insurance company incorporated or organized under the laws of any country other than the United States.
(2)
“Commissioner” means the director of the department of business regulation.
History of Section.
P.L. 1997, ch. 67, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-59 - Alien Insurance Companies › Section 27-59-2. - Licensing authority.

§ 27-59-2. Licensing authority.
Any alien insurance company, with the approval of the commissioner, may be treated, in whole or in part, as a domestic insurer of this state; provided, that:
(1)
The alien insurance company appoints a resident registered agent to accept service of process and to act on its behalf in this state. Whenever the registered agent cannot with reasonable diligence be found at the registered office of the alien insurance company, the commissioner shall be an agent of the alien insurance company on which any process, notice, or demand may be served; and
(2)
The alien insurance company obtains from the commissioner a license authorizing it to do insurance business in the state.
History of Section.
P.L. 1997, ch. 67, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-59 - Alien Insurance Companies › Section 27-59-3. - Approval of the commissioner.

§ 27-59-3. Approval of the commissioner.
The commissioner in determining whether to approve an alien insurance company may consider:
(1)
Maintenance of an appropriate trust account, surplus account, or other financial mechanisms in this state;
(2)
Maintenance of all books and records of the United States operations in this state;
(3)
Maintenance of a separate financial reporting system for its United States operations; and
(4)
Any other provisions deemed necessary by the insurance commissioner.
History of Section.
P.L. 1997, ch. 67, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-59 - Alien Insurance Companies › Section 27-59-4. - Deposits of security — Amounts.

§ 27-59-4. Deposits of security — Amounts.
(a)
Every alien insurance company authorized to transact business in this state shall at all times maintain a deposit with the general treasurer of the state of Rhode Island in cash or in securities in which insurance companies are authorized to invest, a sum equal to the greater of total United States liabilities or one million dollars ($1,000,000). The securities shall be approved, and the amount of the deposit shall be determined, by the commissioner. The commissioner, in the commissioner’s discretion, may permit the withdrawal of interest earnings.
(b)
In lieu of the deposits provided in this section, an alien insurance company may file with the commissioner a bond of equal amount executed by a licensed United States surety company so conditioned for the protection of Rhode Island creditors and policyholders.
(c)
An alien insurance company shall not be granted a certificate of authority to transact business in this state, or renewal of the certificate, until the deposit is made, and the commissioner may revoke the certificate of authority of an alien insurance company that fails to make the deposit in a reasonable period of time.
History of Section.
P.L. 1997, ch. 67, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-59 - Alien Insurance Companies › Section 27-59-5. - Laws applicable.

§ 27-59-5. Laws applicable.
All provisions of this title shall apply to alien insurance companies as if the alien insurance companies were domestic insurance companies. If the provisions of this chapter are inconsistent with the provisions of any other law, general, special, or local, the provisions of this chapter shall be controlling.
History of Section.
P.L. 1997, ch. 67, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-60 - Unfair Discrimination Against Subjects of Abuse in Health Benefit Plans Act › Section 27-60-1. - Short title.

§ 27-60-1. Short title.
This chapter may be cited as the “Unfair Discrimination Against Subjects of Abuse in Health Benefit Plans Act.”
History of Section.
P.L. 1997, ch. 163, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-60 - Unfair Discrimination Against Subjects of Abuse in Health Benefit Plans Act › Section 27-60-3. - Unfair discrimination against subjects of abuse prohibited.

§ 27-60-3. Unfair discrimination against subjects of abuse prohibited.
A health carrier shall not engage, directly or indirectly, in an unfairly discriminatory act or practice against a subject of abuse.
History of Section.
P.L. 1997, ch. 163, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-60 - Unfair Discrimination Against Subjects of Abuse in Health Benefit Plans Act › Section 27-60-5. - Justification of adverse insurance decisions.

§ 27-60-5. Justification of adverse insurance decisions.
A health carrier that takes an action that adversely affects a subject of abuse on the basis of a medical condition that the health carrier knows or has reason to know is abuse-related shall explain the reason for its action to the applicant or insured, in writing, and shall be able to demonstrate that its action, and any applicable plan provision:
(1)
Does not have the purpose or effect of treating abuse status as a medical condition or underwriting criterion;
(2)
Is not based upon any actual or perceived correlation between a medical condition and abuse;
(3)
Is permissible by law and applies in the same manner and to the same extent to all applicants and the insured with a similar medical condition without regard to whether the condition or claim is abuse-related; and
(4)
Is based on a determination, made in conformance with sound actuarial principles and supported by reasonable statistical evidence, that there is a correlation between the medical condition and a material increase in insurance risk.
History of Section.
P.L. 1997, ch. 163, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-60 - Unfair Discrimination Against Subjects of Abuse in Health Benefit Plans Act › Section 27-60-6. - Insurance protocols for subjects of abuse.

§ 27-60-6. Insurance protocols for subjects of abuse.
Health carriers shall develop, file with the commissioner, and adhere to protocols specifying how health carrier employees, contractors, agents, and brokers will pursue an insurance action, including claims investigation and subrogation, that may impact the safety of a subject of abuse involved with that action.
History of Section.
P.L. 1997, ch. 163, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-60 - Unfair Discrimination Against Subjects of Abuse in Health Benefit Plans Act › Section 27-60-7. - Enforcement.

§ 27-60-7. Enforcement.
Violations of this chapter are subject to the provisions of §§ 27-29-8 and 27-29-9 and may include injunctive relief and/or a requirement for restitution. The powers and duties set forth in this section are in addition to all other authority of the commissioner.
History of Section.
P.L. 1997, ch. 163, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-60.1 - Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance › Section 27-60.1-1. - Short title.

§ 27-60.1-1. Short title.
This chapter shall be known and may be cited as the “Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance Act.”
History of Section.
P.L. 2013, ch. 99, § 1; P.L. 2013, ch. 109, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-60.1 - Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance › Section 27-60.1-2. - Purpose.

§ 27-60.1-2. Purpose.
The purpose of this chapter is to prohibit unfair discrimination by property and casualty insurers and insurance professionals on the basis of abuse status. Nothing in this chapter shall be construed to create or imply a private cause of action for a violation of this chapter.
History of Section.
P.L. 2013, ch. 99, § 1; P.L. 2013, ch. 109, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-60.1 - Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance › Section 27-60.1-3. - Scope.

§ 27-60.1-3. Scope.
This chapter applies to all property and casualty insurers and insurance professionals involved in issuing or renewing, in this state, a policy of property and casualty insurance.
History of Section.
P.L. 2013, ch. 99, § 1; P.L. 2013, ch. 109, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-60.1 - Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance › Section 27-60.1-4. - Definitions.

§ 27-60.1-4. Definitions.
For the purposes of this chapter:
(1)
“Abuse” means the occurrence of one or more of the following acts by a current or former family member, household member, intimate partner, or caretaker:
(i)
Attempting to cause or intentionally, knowingly, or recklessly causing another person bodily injury, physical harm, severe emotional distress, psychological trauma, rape, sexual assault, or involuntary sexual intercourse;
(ii)
Knowingly engaging in a course of conduct or repeatedly committing acts toward another person, including following the person without proper authority, under circumstances that place the person in reasonable fear of bodily injury or physical harm;
(iii)
Subjecting another person to false imprisonment; or
(iv)
Attempting to cause or intentionally, knowingly, or recklessly causing damage to property so as to intimidate or attempt to control the behavior of another person.
(2)
“Abuse-related claim” means a claim under a property and casualty policy for a loss resulting from an act of abuse.
(3)
“Abuse status” means the fact or perception that a natural person is, has been, or may be a subject of abuse, irrespective of whether the natural person has incurred abuse-related claims.
(4)
“Commissioner” means the director of the department of business regulation or his or her designee.
(5)
“Confidential abuse information” means information about acts of abuse, or abuse status of a subject of abuse, the address and telephone number (home and work) of a subject of abuse, or the status of an applicant or insured as a family member, employer, or associate of, or a person in a relationship with, a subject of abuse.
(6)
“Insurance professional” means a producer, broker, adjuster, or third-party administrator as defined in the insurance laws of this state.
(7)
“Insured” means the party named on a policy or certificate as the individual with legal rights to the benefits provided by the policy.
(8)
“Insurer” means a person or other entity engaged in the business of property and casualty insurance in this state including all residual market mechanisms.
(9)
“Policy” means a contract of insurance, including endorsements, riders, or binders issued, proposed for issuance, or intended for issuance by an insurer or insurance professional.
(10)
“Subject of abuse” means a natural person against whom an act of abuse has been directed; who has current or prior injuries, illnesses, or disorders that resulted from abuse; or who seeks, may have sought, or had reason to seek medical or psychological treatment for abuse; or protection, court-ordered protection, or shelter from abuse.
History of Section.
P.L. 2013, ch. 99, § 1; P.L. 2013, ch. 109, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-60.1 - Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance › Section 27-60.1-6. - Justification of adverse insurance decisions.

§ 27-60.1-6. Justification of adverse insurance decisions.
An insurer or insurance professional who or that takes an action not prohibited by § 27-60.1-5 that adversely affects an applicant or insured on the basis of claim or other underwriting information that the insurer or insurance professional knows or has reason to know is abuse-related shall explain the reason for its action to the applicant or insured in writing and shall be able to demonstrate that its action, and any applicable policy provision:
(1)
Does not have the purpose of treating abuse status as an underwriting criterion; and
(2)
Is otherwise permissible by law and applies in the same manner and to the same extent to all applicants and insureds with a similar claim or claims history without regard to whether the claims are abuse-related.
History of Section.
P.L. 2013, ch. 99, § 1; P.L. 2013, ch. 109, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-60.1 - Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance › Section 27-60.1-7. - Insurance protocols for subjects of abuse.

§ 27-60.1-7. Insurance protocols for subjects of abuse.
Insurers shall develop and adhere to written policies specifying procedures to be followed by employees and by insurance professionals they contract with, for the purpose of protecting the safety and privacy of a subject of abuse and shall otherwise implement the provisions of this chapter when taking an application, investigating a claim, pursuing subrogation, or taking any other action relating to a policy or claim involving a subject of abuse. Insurers shall distribute their written policies to employees and insurance professionals.
History of Section.
P.L. 2013, ch. 99, § 1; P.L. 2013, ch. 109, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-60.1 - Unfair Discrimination Against Subjects of Abuse in Property and Casualty Insurance › Section 27-60.1-8. - Effective date.

§ 27-60.1-8. Effective date.
This chapter applies to all actions taken on or after the effective date, except where otherwise explicitly stated. Nothing in this chapter shall require an insurer or insurance professional to conduct a comprehensive search of its contract files existing on the effective date solely to determine which applicants or insureds are subjects of abuse.
History of Section.
P.L. 2013, ch. 99, § 1; P.L. 2013, ch. 109, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-61 - Unfair Discrimination Against Subjects of Abuse in Life Insurance Act › Section 27-61-1. - Short title.

§ 27-61-1. Short title.
This chapter may be cited as the “Unfair Discrimination Against Subjects of Abuse in Life Insurance Act.”
History of Section.
P.L. 1997, ch. 163, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-61 - Unfair Discrimination Against Subjects of Abuse in Life Insurance Act › Section 27-61-2. - Definitions.

§ 27-61-2. Definitions.
For the purposes of this chapter:
(1)
“Abuse” means the occurrence of one or more of the following acts by a current or former family member, household member, intimate partner, or caretaker:
(i)
Attempting to cause or intentionally, knowingly, or recklessly causing another person bodily injury, physical harm, severe emotional distress, psychological trauma, rape, sexual assault, or involuntary sexual intercourse;
(ii)
Knowingly engaging in a course of conduct or repeatedly committing acts toward another person including following the person or minor child without proper authority, under circumstances that place the person or minor child in reasonable fear of bodily injury or physical harm;
(iii)
Subjecting another person to false imprisonment; or
(iv)
Attempting to cause or intentionally, knowingly, or recklessly causing damage to property so as to intimidate or attempt to control the behavior of another person.
(2)
“Abuse-related medical condition” means a medical condition sustained by a subject of abuse that arises in whole or part out of an act or pattern of abuse.
(3)
“Abuse status” means the fact or perception that a person is, has been, or may be a subject of abuse, irrespective of whether the person has sustained abuse-related medical conditions.
(4)
“Commissioner” means the director of the department of business regulation.
(5)
“Insured” means the person whose life is covered under an insurance policy.
(6)
“Insurer” means a person or other legal entity engaged in the business of insurance in this state, including agents, brokers, adjusters, or third-party administrators.
(7)
“Policy” or “certificate” means a contract of insurance or annuity issued, proposed for issuance, or intended for issuance by an insurer, including endorsements or riders.
(8)
“Subject of abuse” means a person against whom an act of abuse has been directed; who has current or prior injuries, illnesses, or disorders that resulted from abuse; or who seeks, may have sought, or had reason to seek medical or psychological treatment for abuse or protection, court-ordered protection, or shelter from abuse.
History of Section.
P.L. 1997, ch. 163, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-61 - Unfair Discrimination Against Subjects of Abuse in Life Insurance Act › Section 27-61-3. - Unfair discrimination against subjects of abuse prohibited.

§ 27-61-3. Unfair discrimination against subjects of abuse prohibited.
No insurer issuing or renewing a policy of life insurance in this state shall engage in an unfairly discriminatory act or practice against a subject of abuse, and that act or practice is deemed to be an unfair or deceptive act or practice under chapter 29 of this title.
History of Section.
P.L. 1997, ch. 163, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-61 - Unfair Discrimination Against Subjects of Abuse in Life Insurance Act › Section 27-61-5. - Justification of adverse insurance decisions.

§ 27-61-5. Justification of adverse insurance decisions.
An insurer of an individual or group policy that takes an underwriting action that adversely affects a subject of abuse on the basis of a medical condition that the insurer knows is abuse-related shall explain the reason for its action to the applicant or insured in writing and shall be able to demonstrate that its action:
(1)
Does not treat abuse status as a medical condition;
(2)
Is permissible by law and applies in the same manner and to the same extent to all applicants and the insured with a similar medical condition without regard to whether the condition or claim is abuse-related; and
(3)
Is based on a determination, made in conformance with sound actuarial principles or related actual or reasonably anticipated experience, that there is a correlation between the medical condition and a material increase in insurance risk.
History of Section.
P.L. 1997, ch. 163, § 1; P.L. 2023, ch. 395, art. 1, § 20, effective December 31, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-61 - Unfair Discrimination Against Subjects of Abuse in Life Insurance Act › Section 27-61-6. - Insurance protocols for subjects of abuse.

§ 27-61-6. Insurance protocols for subjects of abuse.
Insurers shall develop and adhere to written policies specifying procedures to be followed by employees, contractors, producers, agents, and brokers for the purpose of protecting the safety and privacy of a subject of abuse and implement the provisions of this chapter when taking an application, investigating a claim, pursuing subrogation, or taking any other action relating to a policy or claim involving a subject of abuse.
History of Section.
P.L. 1997, ch. 163, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-61 - Unfair Discrimination Against Subjects of Abuse in Life Insurance Act › Section 27-61-7. - Enforcement.

§ 27-61-7. Enforcement.
Violations of this chapter are subject to the provisions of §§ 27-29-8 and 27-29-9 and may include injunctive relief and/or a requirement for restitution. The powers and duties set forth in this section are in addition to all other authority of the commissioner.
History of Section.
P.L. 1997, ch. 163, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-61.1 - Unfair Discrimination Against Organ Donors in Disability Income, Life, and Long-Term Care Insurance Act › Section 27-61.1-1. - Short title.

§ 27-61.1-1. Short title.
This chapter shall be known and may be cited as “Unfair Discrimination Against Organ Donors.”
History of Section.
P.L. 2023, ch. 95, § 1, effective June 19, 2023; P.L. 2023, ch. 96, § 1, effective June 19, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-61.1 - Unfair Discrimination Against Organ Donors in Disability Income, Life, and Long-Term Care Insurance Act › Section 27-61.1-2. - Definitions.

§ 27-61.1-2. Definitions.
As used in this section, the following terms apply:
(1)
“Insurance coverage” means coverage under a disability income, life, or long-term care insurance policy.
(2)
“Living donor” means an individual for whom both of the following apply:
(i)
Has donated all or part of an organ or bone marrow; and
(iii)
Is not deceased.
History of Section.
P.L. 2023, ch. 95, § 1, effective June 19, 2023; P.L. 2023, ch. 96, § 1, effective June 19, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-61.1 - Unfair Discrimination Against Organ Donors in Disability Income, Life, and Long-Term Care Insurance Act › Section 27-61.1-3. - Unfair discrimination against organ donors.

§ 27-61.1-3. Unfair discrimination against organ donors.
Notwithstanding any other provision of law to the contrary, an insurer or issuer of a disability income, life, or long-term care insurance policy shall not deny, cancel, or refuse to issue insurance coverage, determine the price or premium for, or otherwise vary any term or condition of the policy solely on the basis of the individual’s status as a living donor and without any unique and material actuarial risks in accordance with sound actuarial principles or actual and reasonably anticipated and expected experience of the individual based on the individual’s status as a living donor.
History of Section.
P.L. 2023, ch. 95, § 1, effective June 19, 2023; P.L. 2023, ch. 96, § 1, effective June 19, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-61.1 - Unfair Discrimination Against Organ Donors in Disability Income, Life, and Long-Term Care Insurance Act › Section 27-61.1-4. - Enforcement.

§ 27-61.1-4. Enforcement.
Violations of this chapter are subject to the provisions of §§ 27-29-8 and 27-29-9 and may include injunctive relief and/or a requirement of restitution. The powers and duties set forth in this section are in addition to all other authority of the commissioner.
History of Section.
P.L. 2023, ch. 95, § 1, effective June 19, 2023; P.L. 2023, ch. 96, § 1, effective June 19, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-62 - Life Insurance Policy Illustration › Section 27-62-1. - Purpose.

§ 27-62-1. Purpose.
The purpose of this chapter is to provide rules for life insurance policy illustrations that will protect consumers and foster consumer education. The chapter provides illustration formats, prescribes standards to be followed when illustrations are used, and specifies the disclosures that are required in connection with illustrations. The goals of this chapter are to ensure that illustrations do not mislead purchasers of life insurance and to make illustrations more understandable. Insurers will, as far as possible, eliminate the use of footnotes and caveats and define terms used in the illustration in language that would be understood by a typical person within the segment of the public to which the illustration is directed.
History of Section.
P.L. 1998, ch. 56, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-62 - Life Insurance Policy Illustration › Section 27-62-2. - Applicability and scope.

§ 27-62-2. Applicability and scope.
This chapter applies to all group and individual life insurance policies and certificates except:
(1)
Variable life insurance;
(2)
Individual and group annuity contracts;
(3)
Credit life insurance; and
(4)
Life insurance policies with no illustrated death benefits on any individual exceeding ten thousand dollars ($10,000).
History of Section.
P.L. 1998, ch. 56, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-62 - Life Insurance Policy Illustration › Section 27-62-4. - Policies to be illustrated.

§ 27-62-4. Policies to be illustrated.
(a)
Each insurer marketing policies to which this chapter is applicable shall notify the commissioner whether a policy form is to be marketed with or without an illustration. For all policy forms being actively marketed on January 1, 1999, the insurer shall identify in writing those forms and whether or not an illustration will be used with them. For policy forms filed after January 1, 1999, the identification shall be made at the time of filing. Any previous identification may be changed by notice to the commissioner.
(b)
If the insurer identifies a policy form as one to be marketed without an illustration, any use of an illustration for any policy using that form prior to the first policy anniversary is prohibited.
(c)
If a policy form is identified by the insurer as one to be marketed with an illustration, a basic illustration prepared and delivered in accordance with this chapter is required, except that a basic illustration need not be provided to individual members of a group or to individuals insured under multiple lives coverage issued to a single applicant unless the coverage is marketed to these individuals. The illustration furnished an applicant for a group life insurance policy or policies issued to a single applicant on multiple lives may be either an individual or composite illustration representative of the coverage on the lives of members of the group or the multiple lives covered.
(d)
Potential enrollees of non-term group life subject to this chapter shall be furnished a quotation with the enrollment materials. The quotation shall show potential policy values for sample ages and policy years on a guaranteed and non-guaranteed basis appropriate to the group and the coverage. This quotation shall not be considered an illustration for purposes of this chapter, but all information provided shall be consistent with the illustrated scale. A basic illustration shall be provided at delivery of the certificate to enrollees for non-term group life who enroll for more than the minimum premium necessary to provide pure death benefit protection. In addition, the insurer shall make a basic illustration available to any non-term group life enrollee who requests it.
History of Section.
P.L. 1998, ch. 56, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-62 - Life Insurance Policy Illustration › Section 27-62-5. - General rules and prohibitions.

§ 27-62-5. General rules and prohibitions.
(a)
An illustration used in the sale of a life insurance policy shall satisfy the applicable requirements of this chapter, be clearly labeled “life insurance illustration” and contain the following basic information:
(1)
Name of insurer;
(2)
Name and business address of producer or insurer’s authorized representative, if any;
(3)
Name, age, and sex of proposed insured, except where a composite illustration is permitted under this chapter;
(4)
Underwriting or rating classification upon which the illustration is based;
(5)
Generic name of policy, the company product name, if different, and form number;
(6)
Initial death benefit; and
(7)
Dividend option election or application of non-guaranteed elements, if applicable.
(b)
When using an illustration in the sale of a life insurance policy, an insurer or its producers or other authorized representatives shall not:
(1)
Represent the policy as anything other than a life insurance policy;
(2)
Use or describe non-guaranteed elements in a manner that is misleading or has the capacity or tendency to mislead;
(3)
State or imply that the payment or amount of non-guaranteed elements is guaranteed;
(4)
Use an illustration that does not comply with the requirements of this chapter;
(5)
Use an illustration that at any policy duration depicts policy performance more favorable to the policy owner than that produced by the illustrated scale of the insurer whose policy is being illustrated;
(6)
Provide an applicant with an incomplete illustration;
(7)
Represent in any way that premium payments will not be required for each year of the policy in order to maintain the illustrated death benefits, unless that is the fact;
(8)
Use the term “vanish” or “vanishing premium,” or a similar term that implies the policy becomes paid up, to describe a plan for using non-guaranteed elements to pay a portion of future premiums;
(9)
Except for policies that can never develop nonforfeiture values, use an illustration that is “lapse-supported”; or
(10)
Use an illustration that is not “self-supporting.”
(c)
If an interest rate used to determine the illustrated non-guaranteed elements is shown, it shall not be greater than the earned interest rate underlying the disciplined current scale.
History of Section.
P.L. 1998, ch. 56, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-62 - Life Insurance Policy Illustration › Section 27-62-7. - Standards for supplemental illustrations.

§ 27-62-7. Standards for supplemental illustrations.
(a)
A supplemental illustration may be provided so long as:
(1)
It is appended to, accompanied by, or preceded by a basic illustration that complies with this chapter;
(2)
The non-guaranteed elements shown are not more favorable to the policy owner than the corresponding elements based on the scale used in the basic illustration;
(3)
It contains the same statement required of a basic illustration that non-guaranteed elements are not guaranteed; and
(4)
For a policy that has a contract premium, the contract premium underlying the supplemental illustration is equal to the contract premium shown in the basic illustration. For policies that do not require a contract premium, the premium outlay underlying the supplemental illustration shall be equal to the premium outlay shown in the basic illustration.
(b)
The supplemental illustration shall include a notice referring to the basic illustration for guaranteed elements and other important information.
History of Section.
P.L. 1998, ch. 56, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-62 - Life Insurance Policy Illustration › Section 27-62-8. - Delivery of illustration and record retention.

§ 27-62-8. Delivery of illustration and record retention.
(a)(1)
If a basic illustration is used by an insurance producer or other authorized representative of the insurer in the sale of a life insurance policy and the policy is applied for as illustrated, a copy of that illustration, signed in accordance with this chapter, shall be submitted to the insurer at the time of policy application. A copy also shall be provided to the applicant.
(2)
If the policy is issued other than as applied for, a revised basic illustration conforming to the policy as issued shall be sent with the policy. The revised illustration shall conform to the requirements of this regulation, shall be labeled “Revised Illustration” and shall be signed and dated by the applicant or policy owner and producer or other authorized representative of the insurer no later than the time the policy is delivered. A copy shall be provided to the insurer and the policy owner.
(b)(1)
If no illustration is used by an insurance producer or other authorized representative in the sale of a life insurance policy or if the policy is applied for other than as illustrated, the producer or representative shall certify to that effect in writing on a form provided by the insurer. On the same form the applicant shall acknowledge that no illustration conforming to the policy applied for was provided, and shall further acknowledge an understanding that an illustration conforming to the policy as issued will be provided no later than at the time of policy delivery. This form shall be submitted to the insurer at the time of policy application.
(2)
If the policy is issued, a basic illustration conforming to the policy as issued shall be sent with the policy and signed no later than the time the policy is delivered. A copy shall be provided to the insurer and the policy owner.
(c)
If the basic illustration or revised illustration is sent to the applicant or policy owner by mail from the insurer, it shall include instructions for the applicant or policy owner to sign the duplicate copy of the numeric summary page of the illustration for the policy issued and return the signed copy to the insurer. The insurer’s obligation under this subsection shall be satisfied if it can demonstrate that it has made a diligent effort to secure a signed copy of the numeric summary page. The requirement to make a diligent effort shall be deemed satisfied if the insurer includes in the mailing a self-addressed postage prepaid envelope with instructions for the return of the signed numeric summary page.
(d)
A copy of the basic illustration and a revised basic illustration, if any, signed as applicable, along with any certification that either no illustration was used or that the policy was applied for other than as illustrated, shall be retained by the insurer until three (3) years after the policy is no longer in force. A copy need not be retained if no policy is issued.
History of Section.
P.L. 1998, ch. 56, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-62 - Life Insurance Policy Illustration › Section 27-62-11. - Violations.

§ 27-62-11. Violations.
Any violation of this chapter shall be sanctioned in accordance with the provisions of chapter 13.1 of title 6, the Deceptive Trade Practices Act.
History of Section.
P.L. 1998, ch. 56, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-63 - Healthcare Fraud Reporting Immunity › Section 27-63-1. - Immunity for reporting healthcare fraud.

§ 27-63-1. Immunity for reporting healthcare fraud.
(a)
No insurer, agent authorized by the insurer to act on its behalf, or other person shall be subject to any civil or criminal liability in any cause of action for releasing or providing in good faith to a law enforcement agency factually accurate information relating to suspected or discovered health insurance fraud.
(b)
No employer shall discharge, or in any manner discriminate or retaliate against any person who, in good faith, makes a report to law enforcement, testifies, or is about to testify in any proceeding about the healthcare fraud.
(c)
Nothing contained in this chapter shall be construed to limit the rights and remedies available to a person pursuant to chapter 33 of title 9 or chapter 50 of title 28.
History of Section.
P.L. 1998, ch. 59, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-64 - Protected Cell Companies Act › Section 27-64-2. - Purpose.

§ 27-64-2. Purpose.
This act is adopted to provide a basis for the creation of protected cells by a domestic insurer as one means of accessing alternative sources of capital and achieving the benefits of insurance securitization or voluntary restructuring as contemplated under chapter 14.5 of this title, including through effectuating insurance business transfers in accordance with the procedures promulgated by the commissioner under § 27-14.5-6. Investors in fully funded insurance securitization transactions provide funds that are available to pay the insurer’s insurance obligations or to repay the investors or both. The creation of protected cells is intended to be a means to achieve more efficiencies in conducting insurance securitizations or voluntary restructurings.
History of Section.
P.L. 1999, ch. 22, § 1; P.L. 2001, ch. 156, § 1; P.L. 2018, ch. 218, § 3; P.L. 2018, ch. 290, § 3.