reglab/statecodes huggingface dataset:
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.400 - Exemption of proceeds—Disability.

RCW 48.18.400
Exemption of proceeds—Disability.
The proceeds or avails of all contracts of disability insurance and of provisions providing benefits on account of the insured's disability which are supplemental to life insurance or annuity contracts heretofore or hereafter effected shall be exempt from all liability for any debt of the insured, and from any debt of the beneficiary existing at the time the proceeds are made available for his or her use.
[ 2009 c 549 § 7073; 1947 c 79 § .18.40; Rem. Supp. 1947 § 45.18.40.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.420 - Exemption of proceeds—Group life.

RCW 48.18.420
Exemption of proceeds—Group life.
(1) A policy of group life insurance or the proceeds thereof payable to the individual insured or to the beneficiary thereunder, shall not be liable, either before or after payment, to be applied to any legal or equitable process to pay any liability of any person having a right under the policy. The proceeds thereof, when not made payable to a named beneficiary or to a third person pursuant to a facility-of-payment clause, shall not constitute a part of the estate of the individual insured for the payment of his or her debts.
(2) This section shall not apply to group life insurance policies issued under RCW 48.24.040 (debtor groups) to the extent that such proceeds are applied to payment of the obligation for the purpose of which the insurance was so issued.
[ 2009 c 549 § 7075; 1947 c 79 § .18.42; Rem. Supp. 1947 § 45.18.42.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.430 - Exemption of proceeds, commutation—Annuities.

RCW 48.18.430
Exemption of proceeds, commutation—Annuities.
(1) The benefits, rights, privileges, and options under any annuity contract that are due the annuitant who paid the consideration for the annuity contract are not subject to execution and the annuitant may not be compelled to exercise those rights, powers, or options, and creditors are not allowed to interfere with or terminate the contract, except:
(a) As to amounts paid for or as premium on an annuity with intent to defraud creditors, with interest thereon, and of which the creditor has given the insurer written notice at its home office prior to making the payments to the annuitant out of which the creditor seeks to recover. The notice must specify the amount claimed or the facts that will enable the insurer to determine the amount, and must set forth the facts that will enable the insurer to determine the insurance or annuity contract, the person insured or annuitant and the payments sought to be avoided on the basis of fraud.
(b) The total exemption of benefits presently due and payable to an annuitant periodically or at stated times under all annuity contracts may not at any time exceed three thousand dollars per month for the length of time represented by the installments, and a periodic payment in excess of three thousand dollars per month is subject to garnishee execution to the same extent as are wages and salaries.
(c) If the total benefits presently due and payable to an annuitant under all annuity contracts at any time exceeds payment at the rate of three thousand dollars per month, then the court may order the annuitant to pay to a judgment creditor or apply on the judgment, in installments, the portion of the excess benefits that the court determines to be just and proper, after due regard for the reasonable requirements of the judgment debtor and the judgment debtor's dependent family, as well as any payments required to be made by the annuitant to other creditors under prior court orders.
(2) The benefits, rights, privileges, or options accruing under an annuity contract to a beneficiary or assignee are not transferable or subject to commutation, and if the benefits are payable periodically or at stated times, the same exemptions and exceptions contained in this section for the annuitant apply to the beneficiary or assignee.
(3) An annuity contract within the meaning of this section is any obligation to pay certain sums at stated times, during life or lives, or for a specified term or terms, issued for a valuable consideration, regardless of whether or not the sums are payable to one or more persons, jointly or otherwise, but does not include payments under life insurance contracts at stated times during life or lives, or for a specified term or terms.
[ 2011 c 162 § 4; 2005 c 223 § 10; 1949 c 190 § 25; 1947 c 79 § .18.43; Rem. Supp. 1949 § 45.18.43.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.440 - Spouse's rights in life insurance policy.

RCW 48.18.440
Spouse's rights in life insurance policy.
(1) Every life insurance policy heretofore or hereafter made payable to or for the benefit of the spouse of the insured, and every life insurance policy heretofore or hereafter assigned, transferred, or in any way made payable to a spouse or to a trustee for the benefit of a spouse, regardless of how such assignment or transfer is procured, shall, unless contrary to the terms of the policy, inure to the separate use and benefit of such spouse: PROVIDED, That the beneficial interest of a spouse in a policy upon the life of a child of the spouses, however such interest is created, shall be deemed to be a community interest and not a separate interest, unless expressly otherwise provided by the policy.
(2) In any life insurance policy heretofore or hereafter issued upon the life of a spouse the designation heretofore or hereafter made by such spouse of a beneficiary in accordance with the terms of the policy, shall create a presumption that such beneficiary was so designated with the consent of the other spouse, but only as to any beneficiary who is the child, parent, brother, or sister of either of the spouses. The insurer may in good faith rely upon the representations made by the insured as to the relationship to him or her of any such beneficiary.
[ 2009 c 549 § 7076; 1947 c 79 § .18.44; Rem. Supp. 1947 § 45.18.44.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.450 - Life insurance payable to trustee named as beneficiary in the policy.

RCW 48.18.450
Life insurance payable to trustee named as beneficiary in the policy.
Life insurance may be made payable to a trustee to be named as beneficiary in the policy and the proceeds of such insurance paid to such trustee shall be held and disposed of by the trustee as provided in a trust agreement or declaration of trust made by the insured during his or her lifetime. It shall not be necessary to the validity of any such trust agreement or declaration of trust that it have a trust corpus other than the right of the trustee to receive such insurance proceeds as beneficiary, and any such trustee may also receive assets, other than insurance proceeds, by testamentary disposition and administer them according to the terms of the trust agreement or declaration of trust as they exist at the death of the testator.
[ 2009 c 549 § 7077; 1963 c 227 § 1.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.452 - Life insurance designating as beneficiary a trustee named by will.

RCW 48.18.452
Life insurance designating as beneficiary a trustee named by will.
A policy of life insurance may designate as beneficiary a trustee or trustees named or to be named by will, if the designation is made in accordance with the provisions of the policy and the requirements of the insurance company. Immediately after the proving of the will the proceeds of such insurance shall be paid to the trustee or trustees named therein to be held and disposed of under the terms of the will as they exist at the death of the testator, but if no qualified trustee makes claim to the proceeds from the insurance company within one year after the death of the insured, or if satisfactory evidence is furnished the insurance company within such one-year period showing that no trustee can qualify to receive the proceeds, payment shall be made by the insurance company to those thereafter entitled. The proceeds of the insurance as collected by the trustee or trustees shall not be subject to debts of the insured and inheritance tax to any greater extent than if such proceeds were payable to any other named beneficiary other than the estate of the insured. Enactment of this section shall not invalidate previous life insurance policy beneficiary designations naming trustees of trusts established by will.
[ 1963 c 227 § 2.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.460 - Proof of loss—Furnishing forms—May require oath.

RCW 48.18.460
Proof of loss—Furnishing forms—May require oath.
An insurer shall furnish, upon request of any person claiming to have a loss under any insurance contract, forms of proof of loss for completion by such person. But such insurer shall not, by reason of the requirement so to furnish forms, have any responsibility for or with reference to the completion of such proof or the manner of any such completion or attempted completion. If a person makes a claim under a policy of insurance, the insurer may require that the person be examined under an oath administered by a person authorized by state or federal law to administer oaths.
[ 1995 c 285 § 17; 1949 c 190 § 26; 1947 c 79 § .18.46; Rem. Supp. 1949 § 45.18.46.]
NOTES:
Effective date—1995 c 285: See RCW 48.30A.900.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.470 - Claims administration—Not waiver.

RCW 48.18.470
Claims administration—Not waiver.
None of the following acts by or on behalf of an insurer shall be deemed to constitute a waiver of any provision of a policy or of any defense of the insurer thereunder:
(a) Acknowledgment of the receipt of notice of loss or of claim under the policy.
(b) Furnishing forms for reporting a loss or claim, for giving information relative thereto, or for making proof of loss, or receiving or acknowledging receipt of any such forms or proofs completed or uncompleted.
(c) Investigating any loss or claim under any policy or engaging in negotiations looking toward a possible settlement of any such loss or claim.
[1947 c 79 § .18.47; Rem. Supp. 1947 § 45.18.47.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.480 - Discrimination prohibited.

RCW 48.18.480
Discrimination prohibited.
No insurer shall make or permit any unfair discrimination between insureds or subjects of insurance having substantially like insuring, risk, and exposure factors, and expense elements, in the terms or conditions of any insurance contract, or in the rate or amount of premium charged therefor, or in the benefits payable or in any other rights or privileges accruing thereunder. This provision shall not prohibit fair discrimination by a life insurer as between individuals having unequal expectation of life.
[ 1957 c 193 § 12; 1947 c 79 § .18.48; Rem. Supp. 1947 § 45.18.480.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.510 - Validity of noncomplying forms.

RCW 48.18.510
Validity of noncomplying forms.
Any insurance policy, rider, or endorsement hereafter issued and otherwise valid, which contains any condition or provision not in compliance with the requirements of this code, shall not be rendered invalid thereby, but shall be construed and applied in accordance with such conditions and provisions as would have applied had such policy, rider, or endorsement been in full compliance with this code.
[1947 c 79 § .18.51; Rem. Supp. 1947 § 45.18.51.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.520 - Construction of policies.

RCW 48.18.520
Construction of policies.
Every insurance contract shall be construed according to the entirety of its terms and conditions as set forth in the policy, and as amplified, extended, or modified by any rider, endorsement, or application attached to and made a part of the policy.
[1947 c 79 § .18.52; Rem. Supp. 1947 § 45.18.52.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.540 - Cancellations, denials, refusals to renew—Written notification.

RCW 48.18.540
Cancellations, denials, refusals to renew—Written notification.
Every insurer upon canceling, denying, or refusing to renew any disability policy, shall, upon written request, directly notify in writing the applicant or insured, as the case may be, of the reasons for the action by the insurer and to any person covered under a group contract. Any benefits, terms, rates, or conditions of such a contract that are restricted, excluded, modified, increased, or reduced shall, upon written request, be set forth in writing and supplied to the insured and to any person covered under a group contract. The written communications required by this section shall be phrased in simple language that is readily understandable to a person of average intelligence, education, and reading ability.
[ 1993 c 492 § 281.]
NOTES:
Findings—Intent—1993 c 492: See notes following RCW 43.20.050.
Short title—Savings—Reservation of legislative power—Effective dates—1993 c 492: See RCW 43.72.910 through 43.72.915.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.543 - Single premium credit insurance—Residential mortgage loan—Restrictions—Definitions.

RCW 48.18.543
Single premium credit insurance—Residential mortgage loan—Restrictions—Definitions.
(1) For the purposes of this section:
(a) "Licensee" means every insurance producer licensed under chapter 48.17 RCW.
(b) "Residential mortgage loan" means any loan primarily for personal, family, or household use secured by a mortgage or deed of trust on residential real estate upon which is constructed or intended to be constructed a single-family dwelling or multiple-family dwelling of four or less units.
(c) "Single premium credit insurance" means credit insurance purchased with a single premium payment at inception of coverage.
(2) An insurer or licensee may not issue or sell any single premium credit insurance product in connection with a residential mortgage loan unless:
(a) The term of the single premium credit insurance policy is the same as the term of the loan;
(b) The debtor is given the option to buy credit insurance paid with monthly premiums; and
(c) The single premium credit insurance policy provides for a full refund of premiums to the debtor if the credit insurance is canceled within sixty days of the date of the loan.
(3) This section does not apply to residential mortgage loans if:
(a) The loan amount does not exceed ten thousand dollars, exclusive of fees;
(b) The repayment term of the loan does not exceed five years; and
(c) The term of the single premium credit insurance does not exceed the repayment term of the loan.
[ 2008 c 217 § 18; 2003 c 116 § 1.]
NOTES:
Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.547 - Underwriting restrictions that apply to medical malpractice insurance—Rules.

RCW 48.18.547
Underwriting restrictions that apply to medical malpractice insurance—Rules.
(1) For the purposes of this section:
(a) "Affiliate" has the same meaning as in RCW 48.31B.005(1).
(b) "Claim" means a demand for monetary damages by a claimant.
(c) "Claimant" means a person, including a decedent's estate, who is seeking or has sought monetary damages for injury or death caused by medical malpractice.
(d) "Tier" has the same meaning as in RCW 48.18.545(1)(h).
(e) "Underwrite" or "underwriting" means the process of selecting, rejecting, or pricing a risk, and includes each of these activities:
(i) Evaluation, selection, and classification of risk, including placing a risk with an affiliate insurer that has higher rates and/or rating plan components that will result in higher premiums;
(ii) Application of classification plans, rates, rating rules, and rating tiers to an insured risk; and
(iii) Determining eligibility for:
(A) Insurance coverage provisions;
(B) Higher policy limits; or
(C) Premium payment plans.
(2) During each underwriting process, an insurer may consider the following factors only in combination with other substantive underwriting factors:
(a) An insured has inquired about the nature or scope of coverage under a medical malpractice insurance policy;
(b) An insured has notified their insurer about an incident that may be covered under the terms of their medical malpractice insurance policy, and that incident does not result in a claim; or
(c) A claim made against an insured was closed by the insurer without payment. An insurer may consider the effect of multiple claims if they have a significant effect on the insured's risk profile.
(3) If any underwriting activity related to the insured's risk profile results in higher premiums as described under subsection (1)(e)(i) and (ii) of this section or reduced coverage as described under subsection (1)(e)(iii) of this section, the insurer must provide written notice to the insured, in clear and simple language, that describes the significant risk factors which led to the underwriting action. The commissioner must adopt rules that define the components of a risk profile that require notice under this subsection.
[ 2006 c 8 § 211.]
NOTES:
Application—2006 c 8 §§ 211-213: "Sections 211, 212, and 213 of this act apply to insurance policies issued or renewed on or after January 1, 2007." [ 2006 c 8 § 403.]
Findings—Intent—Part headings and subheadings not law—Severability—2006 c 8: See notes following RCW 5.64.010.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.550 - Victims of domestic abuse—Prohibition on certain cancellations, denials, refusals to renew, and different rates—Domestic abuse defined.

RCW 48.18.550
Victims of domestic abuse—Prohibition on certain cancellations, denials, refusals to renew, and different rates—Domestic abuse defined.
(1) No insurer shall deny or refuse to accept an application for insurance, refuse to insure, refuse to renew, cancel, restrict, or otherwise terminate a policy of insurance, or charge a different rate for the same coverage on the basis that the applicant or insured person is, has been, or may be a victim of domestic abuse.
(2) Nothing in this section shall prevent an insurer from taking any of the actions set forth in subsection (1) of this section on the basis of loss history or medical condition or for any other reason not otherwise prohibited by this section, any other law, regulation, or rule.
(3) Any form filed or filed after June 11, 1998, subject to RCW 48.18.120(1) or subject to a rule adopted under RCW 48.18.120(1) may exclude coverage for losses caused by intentional or fraudulent acts of any insured. Such an exclusion, however, shall not apply to deny an insured's otherwise-covered property loss if the property loss is caused by an act of domestic abuse by another insured under the policy, the insured claiming property loss files a police report and cooperates with any law enforcement investigation relating to the act of domestic abuse, and the insured claiming property loss did not cooperate in, or contribute to, the creation of the property loss. Payment by the insurer to an insured may be limited to the person's insurable interest in the property less payments made to a mortgagee or other party with a legal secured interest in the property. An insurer making payment to an insured under this section has all rights of subrogation to recover against the perpetrator of the act that caused the loss.
(4) Nothing in this section prohibits an insurer from investigating a claim and complying with chapter 48.30A RCW.
(5) For the purposes of this section, the following definitions apply:
(a) "Domestic abuse" means: (i) Physical harm, bodily injury, assault, or the infliction of fear of imminent physical harm, bodily injury, or assault between family or household members or intimate partners; (ii) sexual assault of one family or household member by another or of one intimate partner by another; (iii) stalking as defined in RCW 9A.46.110 of one family or household member by another or of one intimate partner by another; or (iv) intentionally, knowingly, or recklessly causing damage to property so as to intimidate or attempt to control the behavior of another family or household member or of another intimate partner.
(b) "Family or household member" has the same meaning as in RCW 10.99.020.
(c) "Intimate partner" has the same meaning as in RCW 10.99.020.
[ 2021 c 215 § 151; 2020 c 29 § 15; 1998 c 301 § 1.]
NOTES:
Effective date—2022 c 268; 2021 c 215: See note following RCW 7.105.900.
Effective date—2020 c 29: See note following RCW 7.77.060.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.553 - Victims of hate crime offenses—Restrictions of underwriting actions—Definitions.

RCW 48.18.553
Victims of hate crime offenses—Restrictions of underwriting actions—Definitions.
(1) For the purposes of this section:
(a) "Insured" means a current policyholder or a person or entity that is covered under the insurance policy.
(b) "Hate crime offense" has the same meaning as RCW 9A.36.080. Under this section, the perpetrator does not have to be identified for a hate crime offense to have occurred.
(c) "Underwriting action" means an insurer:
(i) Cancels or refuses to renew an insurance policy; or
(ii) Changes the terms or benefits in an insurance policy.
(2) This section applies to property insurance policies if the insured is:
(a) An individual;
(b) A religious organization;
(c) An educational organization; or
(d) Any other nonprofit organization that is organized and operated for religious, charitable, or educational purposes.
(3) An insurer may not take an underwriting action on a policy described in subsection (2) of this section because an insured has made one or more insurance claims for any loss that occurred during the preceding sixty months that is the result of a hate crime offense. An insurer may take an underwriting action due to other factors that are not prohibited by this subsection.
(4) If an insured sustains a loss that is the result of a hate crime offense, the insured must file a report with the police or other law enforcement authority within thirty days of discovery of the incident, and a law enforcement authority must determine that a crime has occurred. The report must contain sufficient information to provide an insurer with reasonable notice that the loss was the result of a hate crime offense. The insured has a duty to cooperate with any law enforcement official or insurer investigation.
(5) Annually, each insurer must report underwriting actions to the commissioner if the insurer has taken an underwriting action against any insured who has filed a claim during the preceding sixty months that was the result of a hate crime offense. The report must include the policy number, name of the insured, location of the property, and the reason for the underwriting action.
[ 2019 c 271 § 11; 2003 c 117 § 1.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.555 - Property insurance—Actions resulting from arson or malicious mischief—Definitions.

RCW 48.18.555
Property insurance—Actions resulting from arson or malicious mischief—Definitions.
(1) For the purposes of this section:
(a) "Arson" has the same meaning as in chapter 9A.48 RCW.
(b) "Health care facility" has the same meaning as defined in RCW 48.43.005.
(c) "Health care provider" has the same meaning as defined in RCW 48.43.005.
(d) "Insured" means a current policyholder or a person or entity that is covered under the insurance policy.
(e) A perpetrator does not have to be identified for an act of arson or malicious mischief to have occurred.
(f) "Malicious mischief" has the same meaning as in chapter 9A.48 RCW.
(g) "Underwriting action" means an insurer:
(i) Cancels or refuses to renew an insurance policy; or
(ii) Changes the terms or benefits in an insurance policy.
(2) This section applies to property insurance policies if the insured is:
(a) A health care facility;
(b) A health care provider; or
(c) A religious organization.
(3) An insurer may not take an underwriting action on a policy described in subsection (2) of this section because an insured has made one or more insurance claims for any loss that occurred during the preceding sixty months that is the result of arson or malicious mischief. An insurer may take an underwriting action due to other factors that are not prohibited by this subsection.
(4) If an insured sustains a loss that is the result of arson or malicious mischief, the insured must file a report with the police or other law enforcement authority within thirty days of discovery of the incident, and a law enforcement authority must determine that a crime has occurred. The report must contain sufficient information to provide an insurer with reasonable notice that the loss was the result of arson or malicious mischief. The insured has a duty to cooperate with any law enforcement official or insurer investigation.
(5) Annually, each insurer must report underwriting actions to the commissioner if the insurer has taken an underwriting action against any insured who has filed a claim during the preceding sixty months that was the result of arson or malicious mischief. The report must include the policy number, name of the insured, location of the property, and the reason for the underwriting action.
[ 2006 c 145 § 2.]
NOTES:
Finding—Intent—2006 c 145: "The legislature finds that access to insurance can be imperiled by the response of insurers to criminal acts. Rather than allow criminals to achieve their objectives, it is the intent of the legislature that criminals, through criminal acts, should not dictate insurance underwriting decisions. It is the intent of the legislature that courts should use restitution from perpetrators of intentional property crimes to make property owners and insurers whole." [ 2006 c 145 § 1.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.559 - Property insurers—Rules addressing assistance to prevent or reduce severity of claims or losses.

RCW 48.18.559
Property insurers—Rules addressing assistance to prevent or reduce severity of claims or losses.
The commissioner may adopt rules as necessary to implement RCW 48.18.558 and 48.19.530, including but not limited to:
(1) Rules requiring a notice to insureds or potential insureds regarding their ability to opt out of receiving any risk mitigation and/or prevention goods and/or services;
(2) Rules establishing requirements for pilot programs authorized under RCW 48.18.558(6); and
(3) Rules identifying which insurer disaster or emergency response activities are exempt from RCW 48.18.558 and 48.19.530 and RCW 48.30.140 and 48.30.150.
[ 2023 c 446 § 2; 2018 c 239 § 4.]
NOTES:
Findings—2018 c 239: See note following RCW 48.18.558.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.565 - Homeowner's insurance—Foster parent.

RCW 48.18.565
Homeowner's insurance—Foster parent.
An insurer licensed to write homeowner's insurance in this state shall not deny an application for a homeowner's insurance policy, or cancel, refuse to renew, or modify an existing homeowner's insurance policy for the principal reason that the applicant or insured is a foster parent licensed under chapter 74.15 RCW.
[ 2004 c 84 § 1.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.570 - Life insurance—Lawful travel destinations.

RCW 48.18.570
Life insurance—Lawful travel destinations.
(1) No life insurer may deny or refuse to accept an application for insurance, or refuse to insure, refuse to renew, cancel, restrict, or otherwise terminate a policy of insurance, or charge a different rate for the same coverage, based upon the applicant's or insured person's past or future lawful travel destinations.
(2) Nothing in this section prohibits a life insurer from excluding or limiting coverage of specific lawful travel, or charging a differential rate for such coverage, when bona fide statistical differences in risk or exposure have been substantiated.
[ 2005 c 441 § 1.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.580 - Employer-owned life insurance—Requirements.

RCW 48.18.580
Employer-owned life insurance—Requirements.
(1) "Employer-owned life insurance policy" as used in this section and RCW 48.18.583 means an insurance policy purchased by an employer on the life of an employee, for the benefit of a person other than the employee or the employee's personal representative.
(2) An employer-owned life insurance policy may not be made or take effect unless at the time the contract is made the individual insured consents to the contract in writing.
(3) An employer may not retaliate in any manner against an employee for providing written notice that he or she does not want to be insured under an employer-owned life insurance policy.
(4) No later than thirty days after the date on which an employer purchases an employer-owned life insurance policy on the life of an employee, the employer must provide to the employee a written notice that contains the following information:
(a) A statement that the employer carries an employer-owned life insurance policy on the life of the employee;
(b) The identity of the insurance carrier of the policy;
(c) The maximum face amount of the policy at issue; and
(d) The identity of the beneficiary of the policy.
[ 2005 c 337 § 4.]
NOTES:
Finding—Intent—2005 c 337: See note following RCW 48.18.030.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.583 - Employer-owned life insurance—Application to policies.

RCW 48.18.583
Employer-owned life insurance—Application to policies.
With respect to employer-owned life insurance policies, chapter 337, Laws of 2005 shall apply only to policies issued and delivered after July 24, 2005.
[ 2005 c 337 § 6.]
NOTES:
Finding—Intent—2005 c 337: See note following RCW 48.18.030.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.586 - Employer-owned life insurance—Rules.

RCW 48.18.586
Employer-owned life insurance—Rules.
The commissioner shall adopt rules to implement RCW 48.18.010, 48.18.030, 48.18.060, 48.18.580, and 48.18.583.
[ 2005 c 337 § 7.]
NOTES:
Finding—Intent—2005 c 337: See note following RCW 48.18.030.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.600 - Usage-based insurance—Restrictions on information collected.

RCW 48.18.600
Usage-based insurance—Restrictions on information collected.
(1) For the purposes of this section, "usage-based insurance" has the same meaning as defined in RCW 48.19.040.
(2) Location data may not be collected without:
(a) Disclosure to the insured that such information is being collected as required by RCW 46.35.020; and
(b) The insured's consent.
(3) Individually identifiable usage information retrieved from a recording device may only be used and/or retained:
(a) For purposes of determining premiums; or
(b) As allowed by law in RCW 46.35.030.
(4) Individually identifiable usage information retrieved from a recording device may not be disclosed to any third party except as allowed by RCW 46.35.030.
[ 2012 c 222 § 3.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.610 - Customer satisfaction benefits.

RCW 48.18.610
Customer satisfaction benefits.
(1) An insurer may include contractual benefits based on customer satisfaction as part of an insurance policy. The insurer must file the policy or endorsement for approval as required by RCW 48.18.100. The contractual benefits may include sums of money provided or credited to a policyholder if the policyholder is dissatisfied with the service provided by their insurer. A sum that is provided to or credited to a policyholder as part of an approved contractual benefit based on customer satisfaction is not "premium" for the purposes of RCW 48.18.170. A policy premium reduced by such a credit will be taxed on the full cost of the premium before application of the customer satisfaction credit.
(2) This section applies only to personal insurance as defined in RCW 48.18.545(1)(g).
[ 2016 c 121 § 1.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18 - The Insurance Contract. › 48.18.900 - Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.

RCW 48.18.900
Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.
For the purposes of this chapter, the terms spouse, marriage, marital, husband, wife, widow, widower, next of kin, and family shall be interpreted as applying equally to state registered domestic partnerships or individuals in state registered domestic partnerships as well as to marital relationships and married persons, and references to dissolution of marriage shall apply equally to state registered domestic partnerships that have been terminated, dissolved, or invalidated, to the extent that such interpretation does not conflict with federal law. Where necessary to implement chapter 521, Laws of 2009, gender-specific terms such as husband and wife used in any statute, rule, or other law shall be construed to be gender neutral, and applicable to individuals in state registered domestic partnerships.
[ 2009 c 521 § 114.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18A - Variable Contract Act. › 48.18A.010 - Short title—Intent.

RCW 48.18A.010
Short title—Intent.
This chapter shall be known as the "Variable Contract Act" and is intended to authorize the sale of both individual and group variable contracts.
[ 1969 c 104 § 1.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18A - Variable Contract Act. › 48.18A.030 - Statements required in contracts—Payment on death, incidental benefit provision.

RCW 48.18A.030
Statements required in contracts—Payment on death, incidental benefit provision.
(1) Every variable contract providing benefits payable in variable amounts delivered or issued for delivery in this state shall contain a statement of the essential features of the procedures to be followed by the insurer in determining the dollar amount of such variable benefits. Any such contract under which the benefits vary to reflect investment experience, including a group contract and any certificate in evidence of variable benefits issued thereunder, shall state that such dollar amount will so vary and shall contain on its first page a statement to the effect that the benefits thereunder are on a variable basis.
(2) Variable annuity contracts delivered or issued for delivery in this state may include as an incidental benefit provision for payment on death during the deferred period of an amount not in excess of the greater of the sum of the premiums or stipulated payments paid under the contract or the value of the contract at time of death. For this purpose such benefit shall not be deemed to be life insurance and therefore not subject to any statutory provisions governing life insurance contracts. A provision for any other benefits on death during the deferred period will be subject to such insurance law provisions.
[ 1973 1st ex.s. c 163 § 5; 1969 c 104 § 3.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18A - Variable Contract Act. › 48.18A.035 - Return of policy and refund of premium—Notice required—Effect of return.

RCW 48.18A.035
Return of policy and refund of premium—Notice required—Effect of return.
Every individual variable contract issued shall have printed on its face or attached thereto a notice stating in substance that the policy owner shall be permitted to return the policy within ten days after it is received by the policy owner and to have the market value of the assets purchased by its premium, less taxes and investment brokerage commissions, if any, refunded, if, after examination of the policy, the policy owner is not satisfied with it for any reason. An additional ten percent penalty shall be added to any premium refund due which is not paid within thirty days of return of the policy to the insurer or insurance producer. If a policy owner pursuant to such notice returns the policy to the insurer at its home or branch office or to the insurance producer through whom it was purchased, it shall be void from the beginning and the parties shall be in the same position as if no policy had been issued.
[ 2017 3rd sp.s. c 25 § 16; 2008 c 217 § 19; 1983 1st ex.s. c 32 § 7; 1982 c 181 § 15.]
NOTES:
Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
Effective date—1982 c 181 § 15: "Section 15 of this act is necessary for the immediate preservation of the public peace, health, and safety, the support of the state government and its existing public institutions, and shall take effect May 1, 1982." [ 1982 c 181 § 26.]
Severability—1982 c 181: See note following RCW 48.03.010.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18A - Variable Contract Act. › 48.18A.040 - Requirements for operation under this chapter—Considerations—Authorization of subsidiary or affiliate—Exceptions.

RCW 48.18A.040
Requirements for operation under this chapter—Considerations—Authorization of subsidiary or affiliate—Exceptions.
No insurer shall deliver or issue, for delivery within this state, contracts under this chapter unless it is licensed or organized to do a life insurance or annuity business in this state, and unless the commissioner is satisfied that its condition or method of operation in connection with the issuance of such contracts will not render its operation hazardous to the public or its policyholders in this state. In this connection, the commissioner shall consider among other things:
(1) The history and financial condition of the insurer;
(2) The character, responsibility and fitness of the officers and directors of the insurer; and
(3) The law and regulation under which the insurer is authorized in the state of domicile to issue variable contracts.
An insurer which issues variable contracts and which is a subsidiary of, or affiliated through common management or ownership with, another life insurer authorized to do business in this state may be deemed to have met the provisions of this section if either it or the parent or affiliated company meets the requirements hereof: PROVIDED, That no insurer may provide variable benefits in its contracts unless it is an admitted insurer having and continually maintaining a combined capital and surplus of at least five million dollars.
[ 1982 c 181 § 10; 1969 c 104 § 4.]
NOTES:
Severability—1982 c 181: See note following RCW 48.03.010.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18A - Variable Contract Act. › 48.18A.050 - Applicability of other code provisions—Contract requirements.

RCW 48.18A.050
Applicability of other code provisions—Contract requirements.
The provisions of RCW 48.23.020, 48.23.030, 48.23.080 through 48.23.120, 48.23.140, 48.23.150, 48.23.200 through 48.23.240, 48.23.310, and 48.23.360, and the provisions of chapters 48.24 and 48.76 RCW are inapplicable to variable contracts. Any provision in the code requiring contracts to be participating is not applicable to variable contracts. Except as otherwise provided in this chapter, all pertinent provisions of the insurance code apply to separate accounts and contracts relating thereto. Any individual variable life insurance or individual variable annuity contract delivered or issued for delivery in this state must contain grace, reinstatement, and nonforfeiture provisions appropriate to those contracts, and any variable life insurance contract must provide that the investment experience of the separate account may not operate to reduce the death benefit below an amount equal to the face amount of the contract at the time the contract was issued. Any individual variable life insurance contract may contain a provision for deduction from the death proceeds of amounts of due and unpaid premiums or of indebtedness which are appropriate to that contract. The reserve liability for variable annuities must be established in accordance with actuarial procedures that recognize the variable nature of the benefits provided and any mortality guarantees.
[ 2003 c 248 § 6; 1983 c 3 § 150; 1979 c 157 § 2; 1973 1st ex.s. c 163 § 6; 1969 c 104 § 5.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18A - Variable Contract Act. › 48.18A.060 - Licensing requirement.

RCW 48.18A.060
Licensing requirement.
No person shall be or act as an insurance producer for the solicitation or sale of variable contracts except while duly appointed and licensed under the insurance code as a variable life and variable annuity products insurance producer with respect to the insurer, and while duly licensed as a security salesperson or securities broker under a license issued by the director of financial institutions pursuant to the securities act of this state; except that any person who participates only in the sale or offering for sale of variable contracts which fund corporate plans meeting the requirements for qualification under sections 401 or 403 of the United States internal revenue code need not be licensed pursuant to the securities act of this state.
[ 2010 c 8 § 11003; 2008 c 217 § 20; 1994 c 92 § 502; 1973 1st ex.s. c 163 § 7; 1969 c 104 § 6.]
NOTES:
Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18A - Variable Contract Act. › 48.18A.070 - Authority of commissioner.

RCW 48.18A.070
Authority of commissioner.
Notwithstanding any other provision of law, the commissioner shall have sole and exclusive authority to regulate the issuance and sale of variable contracts; except for the examination, issuance or renewal, suspension or revocation, of a security salesperson's license issued to persons selling variable contracts. To carry out the purposes and provisions of this chapter, he or she may independently, and in concert with the director of financial institutions, issue such reasonable rules and regulations as may be appropriate.
[ 2013 c 23 § 102; 1994 c 92 § 503; 1969 c 104 § 7.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.18A - Variable Contract Act. › 48.18A.900 - Effective date—1969 c 104.

RCW 48.18A.900
Effective date—1969 c 104.
This 1969 act shall take effect July 1, 1969.
[ 1969 c 104 § 10.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.19 - Rates. › 48.19.010 - Scope of chapter.

RCW 48.19.010
Scope of chapter.
(1) Except as is otherwise expressly provided the provisions of this chapter apply to all insurances upon subjects located, resident or to be performed in this state except:
(a) Life insurance;
(b) Disability insurance;
(c) Reinsurance except as to joint reinsurance as provided in RCW 48.19.360;
(d) Insurance against loss of or damage to aircraft, their hulls, accessories, and equipment, or against liability, other than workers' compensation and employers' liability, arising out of the ownership, maintenance[,] or use of aircraft;
(e) Insurance of vessels or craft, their cargoes, marine builders' risks, marine protection[,] and indemnity; and such other risks commonly insured under marine, as distinguished from inland marine, insurance contracts as may be defined by ruling of the commissioner for the purposes of this provision;
(f) Title insurance.
(2) Except, that every insurer shall, as to disability insurance, before using file with the commissioner its manual of classification, manual of rules and rates, and any modifications thereof except as provided under RCW 48.43.733 or rate filing requirements established by a specific statute or federal law.
[ 2015 c 19 § 4; 1987 c 185 § 24; 1947 c 79 § .19.01; Rem. Supp. 1947 § 45.19.01.]
NOTES:
Intent—2015 c 19: See note following RCW 48.18.100.
Intent—Severability—1987 c 185: See notes following RCW 51.12.130.
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.19 - Rates. › 48.19.020 - Rate standard.

RCW 48.19.020
Rate standard.
Premium rates for insurance shall not be excessive, inadequate, or unfairly discriminatory.
[ 1983 1st ex.s. c 32 § 13; 1947 c 79 § .19.02; Rem. Supp. 1947 § 45.19.02.]
2023 Revised Code of Washington › Title 48 - Insurance › Chapter 48.19 - Rates. › 48.19.030 - Making of rates—Criteria.

RCW 48.19.030
Making of rates—Criteria.
Rates shall be used, subject to the other provisions of this chapter, only if made in accordance with the following provisions:
(1) In the case of insurances under standard fire policies and that part of marine and transportation insurances not exempted under RCW 48.19.010, manual, minimum, class or classification rates, rating schedules or rating plans, shall be made and adopted; except as to specific rates on inland marine risks individually rated, which risks are not reasonably susceptible to manual or schedule rating, and which risks by general custom of the business are not written according to manual rates or rating plans.
(2) In the case of casualty and surety insurances:
(a) The systems of expense provisions included in the rates for use by any insurer or group of insurers may differ from those of other insurers or groups of insurers to reflect the requirements of the operating methods of any such insurer or group with respect to any kind of insurance, or with respect to any subdivision or combination thereof for which subdivision or combination separate expense provisions are applicable.
(b) Risks may be grouped by classifications for the establishment of rates and minimum premiums. Classification rates may be modified to produce rates for individual risks in accordance with rating plans which establish standards for measuring variations in hazards or expense provisions, or both. Such standards may measure any differences among risks that can be demonstrated to have a probable effect upon losses or expenses.
(3) Due consideration in making rates for all insurances shall be given to:
(a) Past and prospective loss experience within this state for experience periods acceptable to the commissioner. If the information is not available or is not statistically credible, an insurer may use loss experience in those states which are likely to produce loss experience similar to that in this state.
(b) Conflagration and catastrophe hazards, where present.
(c) A reasonable margin for underwriting profit and contingencies.
(d) Dividends, savings and unabsorbed premium deposits allowed or returned by insurers to their policyholders, members, or subscribers.
(e) Past and prospective operating expenses.
(f) Past and prospective investment income.
(g) All other relevant factors within and outside this state.
(4) In addition to other factors required by this section, rates filed by an insurer on its own behalf may also be related to the insurer's plan of operation and plan of risk classification.
(5) Except to the extent necessary to comply with RCW 48.19.020 uniformity among insurers in any matter within the scope of this section is neither required nor prohibited.
[ 1989 c 25 § 3; 1947 c 79 § .19.03; Rem. Supp. 1947 § 45.19.03.]
NOTES:
Effective date—1989 c 25: See note following RCW 48.18.100.