reglab/statecodes huggingface dataset:
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION G - Guideline to Section 2002.60(a)

Current through Register Vol. 48, No. 28, July 12, 2024
a) This
				Section must be applied in conjunction with Sections
				2002.20 and
				2002.50
				of this Part. This Section refers specifically to "format and content" of the
				advertisement and the "overall" impression created by the advertisement. This
				involves factors such as, but not limited to, the size, color and prominence of
				type used to describe benefits. The word "format" means the arrangement of the
				text and captions.
b) The Part
				requires distinctly different advertisements for publication in newspapers or
				magazines of general circulation as compared to scholarly, technical or
				business journals or newspapers. Where an advertisement consists of more than
				one piece of material, each piece of material must, independent of all other
				pieces of material, conform to the disclosure requirements applicable to the
				appropriate form of advertisement as defined in Section
				2002.40 of this
				Part.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION H - Guideline to Section 2002.60(b)

Current through Register Vol. 48, No. 28, July 12, 2024
This Section prohibits the use of incomplete statements and
				  words or phrases which have the tendency or capacity to mislead or deceive
				  because of the reader's unfamiliarity with insurance terminology. Therefore,
				  words, phrases and illustrations used in an advertisement must be clear and
				  unambiguous. If the advertisement uses insurance terminology, sufficient
				  description of a word, phrase or illustration shall be provided by definition
				  or description in the context of the advertisement. As implied in Section
				  2002.60(a),
				  distinctly different levels of comprehension may be anticipated of the
				  subscribers of various publications.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION J - Guideline to Section 2002.70(a)(2)

Current through Register Vol. 48, No. 28, July 12, 2024
a) This
				Section recognizes that certain words and phrases in advertising may have a
				tendency to mislead the public as to the extent of benefits under an advertised
				policy. Consequently, such terms (and those specified in this Part do not
				represent a comprehensive list but only examples) must be used with caution to
				avoid any tendency to exaggerate benefits and must not be used unless the
				statement is literally true in every instance. The use of the following phrases
				based on such terms or having the same effect must be similarly restricted:
				"pays hospital, surgical, etc., bills," "pays dollars to offset the cost of
				medical care," "safeguards your standard of living," "pays full coverage,"
				"pays complete coverage," "pays for financial needs," "provides for replacement
				of your lost paycheck," "replaces income" or "emergency paycheck." Other
				phrases may or may not be acceptable depending upon the nature of the coverage
				being advertised. For example, the phrase "this policy will help to replace
				your income" is acceptable in advertising for loss of time coverage, but is
				unacceptable in advertising for hospital confinement (including "hospital
				indemnity") coverage.
b) This
				Section also prohibits words or phrases which exaggerate the effect of a
				benefit payment on the insured's general well-being, such as "worry-free
				savings plan," "guaranteed savings," "financial peace of mind" and "you will
				never have to worry about hospital bills again."
c) Advertisements for policies designed to
				supplement Medicare benefits are unacceptable if they fail to disclose that no
				hospital confinement benefits will be payable for that portion of a Medicare
				benefit period for which Medicare pays all hospital confinement expenses,
				currently 60 days, other than the initial deductible if the policy so provides.
				The length of said period must be stated in days.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION K - Guideline to Section 2002.70(a)(3)

Current through Register Vol. 48, No. 28, July 12, 2024
Explanations must not minimize nor describe restrictive
				  provisions in a positive manner. Negative features must be accurately set
				  forth. Any limitation on benefits precluding pre-existing conditions also must
				  be restated under a caption concerning exclusions or limitations,
				  notwithstanding that the pre-existing condition exclusion has been disclosed
				  elsewhere in the advertisement. (See ILLUSTRATIONS R, S and T for additional
				  comments on pre-existing conditions.)
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION L - Guideline to Section 2002.70(a)(4)

Current through Register Vol. 48, No. 28, July 12, 2024
a) The
				words, phrases, illustrations and concepts listed are illustrations of the
				words, phrases, illustrations and concepts prohibited by the Part which create
				the impression of a profit or gain to be realized by the insured when
				hospitalized.
b) Any illustration
				which depicts paper currency or checks showing an amount payable is deceptive
				and misleading and is not permissible.
c) A hospital indemnity advertisement shall
				not include language such as "pay for a trip to Florida," "buy a new
				television" or otherwise imply that the insured will make a profit on
				hospitalization.
d) An
				advertisement which uses words such as "extra," "special" or "added" to
				describe any benefit in the policy is unacceptable.
e) Although the Part prohibits the use of the
				phrase "tax free," it does not prohibit the use of complete and accurate
				terminology explaining the Internal Revenue Service Rules applicable to the
				taxation of accident and sickness benefits. The IRS Rules provide that the
				premiums paid for the benefits received from hospital indemnity policies are
				subject to the same rules as loss of time premiums and benefits and are not
				afforded the same favorable tax treatment as premiums for expense incurred
				hospital, medical and surgical benefit coverages. (Rev. Rul. 68-451 and Rev.
				Rul. 69-154.) Prominence either by caption, lead-in, boldface or large type
				shall not be given in any manner to any statements relating to the tax status
				of such benefits.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION M - Guideline to Section 2002.70(a)(5)

Current through Register Vol. 48, No. 28, July 12, 2024
This paragraph requires that benefits payable on a daily
				  basis be stated as such and not on the basis of weekly or monthly equivalents.
				  It also requires disclosure of the time period of coverage provided by the
				  policy.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION N - Guideline to Section 2002.70(a)(8)

Current through Register Vol. 48, No. 28, July 12, 2024
a) This
				Section should be applied in conjunction with Section
				2002.120.
b) Phrases such as "we cut costs to the bone"
				or "we deal direct with you so our costs are lower" shall not be
				used.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION O - Guideline to Section 2002.70(b)(1)

Current through Register Vol. 48, No. 28, July 12, 2024
a) If
				an exception, reduction or limitation is important enough to use in a policy,
				it is of sufficient importance that its existence in the policy should be
				referred to in the advertisement regardless of whether it may also be the
				subject matter of a provision of the Uniform Individual Accident and Sickness
				Policy Provision Law.
b) Some
				advertisements disclose exceptions, reductions and limitations as required, but
				the advertisement is so lengthy as to obscure the disclosure. Where the length
				of an advertisement has this effect, special emphasis must be given by changing
				the format to show the restrictions in a manner which does not minimize, render
				obscure or otherwise make them appear unimportant.
c) This Section provides that those
				invitations to contract advertisements for a policy with any reduction of
				benefits at a particular age will disclose with the display of usual benefits
				that the reduction is applicable.
d) This interpretation is primarily aimed
				toward those policies which reduce benefits at a particular attained
				age.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION P - Guideline to Section 2002.70(b)(2)

Current through Register Vol. 48, No. 28, July 12, 2024
a) This
				Section imposes the same disclosure standards as the preceding paragraph with
				respect to policy provisions providing for waiting, elimination, probationary
				or similar time periods between the effective date of the policy and the
				effective date of coverage under the policy or a time period between the date a
				loss occurs and the date benefits begin to accrue for such loss. The comments
				under Section
				2002.70(b)(1)
				 are equally applicable to this Section.
				Where a policy has waiting, elimination, probationary or other such time
				periods, such provisions must be stated in negative terms.
b) This Section provides that those
				advertisements which are invitations to contract for a policy with any waiting
				periods for coverage, at any time, will disclose such fact in a manner as
				prescribed by Section
				2002.50
				of this Part.
c) An advertisement
				for a policy designed to supplement Medicare benefits is unacceptable if it
				fails to disclose prominently that no hospital confinement benefits will be
				payable for that portion of a Medicare benefit period, currently 60 days, for
				which Medicare pays all Medicare eligible hospital confinement expenses other
				than the initial deductible, if the policy so provides. The length of said
				period must be stated in days.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION Q - Guideline to Section 2002.70(b)(3)

Current through Register Vol. 48, No. 28, July 12, 2024
a) This
				Section is similar to Section
				2002.70(a)(3)
				 and requires a fair and accurate description
				of exceptions, limitations and reductions in a manner which does not minimize,
				render obscure or otherwise make them appear unimportant.
b) Advertisements must state exceptions,
				limitations and reductions in the negative and must not understate any
				exception, limitation or reduction or qualify any exception, limitation or
				reduction to emphasize coverage described elsewhere: e.g., "Does not pay for
				______; HOWEVER, MEDICARE PAYS THIS" is not acceptable, nor is "Does not pay
				for the first four days in HOSPITAL FOR SICKNESS, BUT PAYS FOR ACCIDENT FROM
				FIRST DAY." (Capitalization indicates the manner in which statements are
				sometimes emphasized.)
c) This
				Section prohibits the use of any term, such as "just," "only," "merely,"
				"necessary" or "minimum" to describe any exclusion, limitation, reduction or
				exception.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION R - Guideline to Section 2002.70(c)(1)

Current through Register Vol. 48, No. 28, July 12, 2024
a) This
				Section imposes the same disclosure standards with respect to pre-existing
				conditions' provisions as noted in ILLUSTRATION 0. The comments under that
				Illustration are equally applicable to this Section of the Part since the
				pre-existing conditions' provision is an exception under the Part.
b) This Part implements the objective of
				Section
				2002.70(a)(3)
				by requiring in negative terms a description of the effect of a pre-existing
				condition exclusion because such an exclusion is a restriction on coverage. The
				Subdivision also prohibits the use of the phrase "pre-existing condition"
				without an appropriate definition or description of the term and prohibits
				stating a reduction in the statutory time limit (such as a reduction from two
				years to one year) as an affirmative benefit. The words "appropriate definition
				or description" mean that the term "pre-existing condition" must be defined as
				it is used by the company's claims department.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION S - Guideline to Section 2002.70(c)(2)

Current through Register Vol. 48, No. 28, July 12, 2024
a) The
				phrase "no health questions" or words of similar import shall not be used if
				the policy excludes pre-existing conditions.
b) Use of a phrase such as "guaranteed issue"
				or "automatic issue," if the policy excludes pre-existing conditions for a
				certain period, must be accompanied by a statement disclosing that fact in a
				manner which does not minimize, render obscure or otherwise make it appear
				unimportant, and is otherwise consistent with Section
				2002.50.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION T - Guideline to Section 2002.70(c)(3)

Current through Register Vol. 48, No. 28, July 12, 2024
The Department requires approval of the application forms
				  even when the application is not attached to the policy when issued. This Part
				  does not change such a requirement.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION V - Guideline to Section 2002.90(a)

Current through Register Vol. 48, No. 28, July 12, 2024
a) This
				Section requires that all such statements must be genuine and not fictitious.
				Under this Section, the manufacturing, substantive editing or "doctoring-up" of
				a testimonial is clearly prohibited as being false and misleading to the
				insurance buying public. However, language which would be unacceptable under
				this Part must be edited out of a testimonial.
b) A testimonial must also represent the
				current opinion of the author. While an insurer is not required in each
				instance to check with the author each time the testimonial is used to
				ascertain that the views expressed have not altered, a testimonial should be
				checked before use in those instances when a change in views might be probable
				or reasonable to assume. When a testimonial is used more than one year after it
				was originally given, a confirmation must be obtained.
c) Testimonials or Endorsements by Third
				Parties. A "testimonial" is defined as a statement from a typical policyowner,
				group policyholder or beneficiary as to either benefits received in a claim
				payment or comments relating to the policyowner, group policyholder or
				beneficiary expressions of appreciation relating to those usual policyowner,
				group policyholder or beneficiary-company relationships.
d) An endorsement differs from a testimonial
				only through the fact that an endorsement includes any comments from any person
				except those of a typical policyowner, group policyholder or beneficiary who is
				commenting only on those usual policyowner, group policyholder or
				beneficiary-company relationships. A typical policyowner, group policyholder or
				beneficiary is not any person well known to the general public or who is
				classifiable as a celebrity.
e)
				There are two types of testimonials: Solicited and Unsolicited.
1) Solicited Testimonials are those in which
				the company has in any way contacted the policyowner, group policyholder or
				beneficiary requesting information about claims handling, policyowners service,
				etc. A solicited testimonial used in an advertisement must be clearly labeled
				with a statement such as, "These comments from policyowners, group
				policyholders or beneficiaries were received as a result of our questioning
				policyowners, group policyholders, or beneficiaries as to their thoughts about
				our service," or other language which indicates that the testimonial was
				solicited.
2) Unsolicited
				Testimonials are those sent to a company without the company contacting the
				policyowner, group policyholder or beneficiary.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION W - Guideline to Section 2002.90(b)

Current through Register Vol. 48, No. 28, July 12, 2024
a) This
				Section requires the disclosure of any financial interest of a person making a
				testimonial, endorsement or appraisal. Any payment, direct or indirect, whether
				specifically for the testimonial or endorsement or for any other services or
				relationship, is required to be disclosed. Reimbursement for substantial travel
				and entertainment expenses is also required to be disclosed; however, union
				scale wages required by union rules are not required to be disclosed. Travel
				away from the home of the person giving the testimonial or endorsement to a
				distant location involving transportation expenses, lodging expenses or
				expenses for meals constitutes payment and must be reflected as a paid
				endorsement. The requirement of disclosure may be fulfilled by use of the
				phrase "Paid Endorsement" or words of similar import in a type style and size
				that is identical to the endorser's name. In the case of television or radio
				advertising, the paid nature of the advertisement must be given
				prominence.
b) The word "person,"
				as used in this subsection, includes a human person, body of persons or any
				legal entity recognized by law as the subject of rights and duties.
c) A person making an endorsement cannot
				comment upon his evaluation either of the merits of an administrative process
				of a company or of the value of the insurance product unless he has adequate
				experience within the area he is evaluating. In the absence of such experience,
				either the level of expertise of the person or the relevant facts forming the
				basis for such an endorsement must be disclosed.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION X - Guideline to Section 2002.90(c)

Current through Register Vol. 48, No. 28, July 12, 2024
This Section requires both that approval or endorsement of a
				  policy by an individual, group of individuals, society, association or other
				  organization be factual and that any proprietary relationship between the
				  sponsoring or endorsing organization and the insurer be disclosed. For example,
				  if the dividend under an association group case is payable to the association,
				  disclosure of that fact is required. Also, if the insurer or an officer of the
				  insurer formed or controls the association, that fact must be
				  disclosed.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION Y - Guideline to Section 2002.90(d)

Current through Register Vol. 48, No. 28, July 12, 2024
a) This
				Section provides the Department of Insurance the means to verify the
				authenticity of testimonials used in advertising efforts.
b) The use of testimonials which do not
				correctly reflect the present practices of the insurer or which are not
				applicable to the policy or benefit being advertised is not
				permissible.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION Z - Guideline to Section 2002.100(a)

Current through Register Vol. 48, No. 28, July 12, 2024
a) This
				Section prohibits the use of statistics in a manner which is misleading and
				deceptive. It requires the disclosure of all relevant facts and prohibits the
				use of irrelevant facts. An advertisement shall specifically identify the
				policy to which statistics relate and, where statistics are given which are
				applicable to a different policy, it must be stated clearly that the data does
				not relate to the policy being advertised.
b) Statistics which describe the insurer,
				such as assets, corporate structure, financial standing, age, product lines or
				relative position in the insurance business, may be irrelevant and, if used at
				all, must be used with extreme caution because of their potential for
				misleading the public. As a specific example, an advertisement for a health
				insurance policy which refers to the amount of life insurance which the company
				has in force or the amounts paid out in life insurance benefits is not
				permissible unless the advertisement clearly indicates the amount paid out for
				each line of insurance.
c) An
				advertisement which states the dollar amount of claims paid must also indicate
				the period over which such claims have been paid. The total dollar amount of
				claims paid must not be overemphasized.
d) If the term "loss ratio" is used, it shall
				be properly explained in the context of the advertisement, and it shall be
				calculated on the basis of premiums earned to losses incurred and shall not be
				on a yearly run-off basis.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION AA - Guideline to Section 2002.100(b)

Current through Register Vol. 48, No. 28, July 12, 2024
This Section prohibits deceptive or misleading statements in
				  an advertisement regarding an insurer's claim settlement practices. It also
				  prohibits the use of an unusual amount paid for a unique claim or an unusual
				  claim whether actual or hypothetical.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION BB - Guideline to Section 2002.100(c)

Current through Register Vol. 48, No. 28, July 12, 2024
This Section requires any advertisement which uses statistics
				  to cite the source. The Part does not require that statistics for a state be
				  used since such statistics as hospital charges and average stays may vary from
				  state to state. When nationwide statistics are used, such fact should be noted
				  as such unless the statistics on the particular point are substantially the
				  same in a state to which the advertisement is directed. Statistics may be used
				  only if they are credible.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION CC - Guideline to Section 2002.110(a) and (b)

Current through Register Vol. 48, No. 28, July 12, 2024
This Section imposes the same disclosure standards as stated
				  in ILLUSTRATION O. The comments in that Illustration are equally applicable to
				  this Section.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION DD - Guideline to Section 2002.120

Current through Register Vol. 48, No. 28, July 12, 2024
a) This Section
				prohibits unfair or incomplete comparisons of products, insurers or business
				methods. It specifically prohibits comparisons of non-comparable policies and
				provides that advertisements shall not unfairly minimize nor disparage
				competing types of insurance coverages or competing methods of marketing
				insurance, including any federal or state program.
b) An advertisement should not contain
				statements such as "no red tape" or "here is all you do to receive
				benefits."
c) Advertisements which
				state or imply that competing insurance coverages customarily contain certain
				exceptions, reductions or limitations not contained in the advertised policies
				are unacceptable unless such exceptions, reductions or limitations are
				contained in a substantial majority of such competing coverages.
d) Advertisements which state or imply that
				an insurer's premiums are lower or that its loss ratios are higher because its
				organizational structure differs from that of competing insurers are
				unacceptable.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION EE - Guideline to Section 2002.130(a)

Current through Register Vol. 48, No. 28, July 12, 2024
This Section prohibits advertisements which imply that an
				  insurer is licensed beyond the limits of those jurisdictions where it is
				  actually licensed. An advertisement which contains testimonials from persons
				  who reside in a state in which the insurer is not licensed or which refers to
				  claims of persons residing in states in which the insurer is not licensed
				  implies licensing in those states and, therefore, is in violation of this Part
				  unless the advertisement states that the insurer is not licensed in those
				  states.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION FF - Guideline to Section 2002.130(b)

Current through Register Vol. 48, No. 28, July 12, 2024
a) This
				Section prohibits advertisements implying that approval, endorsement or
				accreditation of policy forms or advertising has been granted by any division
				or agency of the state or federal governments. "Approval" of either policy
				forms or advertising shall not be used by an insurer to imply or state that a
				governmental agency has endorsed or recommended the insurer, its policies,
				advertising or its financial condition.
b) This prohibits prominent statements such
				as "licensed by the State of Illinois" or any other statements which imply
				endorsements by a governmental agency. The insurer is not prohibited to
				disclose the fact that a company is licensed in the State of Illinois in the
				body or majority of the advertisement.
c) Although the Section permits a reference
				to an insurer being licensed in a state where the advertisement appears, it
				does not allow exaggeration of the fact of such licensing nor does it permit
				the suggestion that competing insurers may not be so licensed because, in most
				states, an insurer must be licensed in the state to which it directs its
				advertising.
d) Terms such as
				"official," or words of similar import, used to describe any policy or
				application form are not permissible because of the potential for deceiving or
				misleading the public.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION GG - Guideline to Section 2002.140(a) and (b)

Current through Register Vol. 48, No. 28, July 12, 2024
a) This Section
				prohibits the use of an advertisement which has the capacity or tendency to
				mislead or deceive as to the true identity of the insurer. The Section
				recognizes the existence of holding companies. The requirement that the
				advertisement refer to the policy form number is applicable to advertisements
				of individual and franchise policies only. However, the requirement of the
				policy form number is not applicable to those advertisements for individual and
				franchise policies not required to disclose information under Sections
				2002.70(b)(1)
				and (8). Subsection (a) and subsection (b)
				prohibit misleading practices of insurers in connection with the sale of
				insurance to supplement federal Medicare benefits and confusion by insurers
				with advertising material used by hospital service corporations or pre-paid
				health plans.
b) This Section
				prohibits advertisements, envelopes or stationery which employ words, letters,
				initials, symbols or other devices which are so similar to those used by
				governmental agencies or other insurers, including hospital service
				corporations and pre-paid health plans, that the public may be confused into
				believing:
1) that the advertised coverages
				are somehow provided by or are endorsed by such governmental agencies or such
				other insurers;
2) that the
				advertised coverages are the same as those provided by such governmental
				agencies or such other insurers;
3)
				that the advertiser is the same as, is connected with or is endorsed by such
				governmental agencies or such other insurers.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION HH - Guideline to Section 2002.150

Current through Register Vol. 48, No. 28, July 12, 2024
a) This Section
				prohibits the use of representations to any segment of the population that a
				particular policy or coverage is available only to that or similar segments of
				the population as preferred risks when actually such policy or coverage is
				available to members of the public at large at the same rates. This Part
				prohibits an advertisement labeled "Now for Readers of X Magazine."
b) This Section prohibits the solicitation of
				a particular class, such as governmental employees, by use of advertisements
				which state or imply that their occupational status entitles them to reduced
				rates on a group or other basis when, in fact, the policy being advertised is
				sold only on an individual basis at regular rates.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION II - Guideline to Section 2002.160(a)(1)

Current through Register Vol. 48, No. 28, July 12, 2024
This Section prohibits advertising representing that a
				  product is offered on an introductory, initial, special offer basis or
				  otherwise which
a) will not be
				available later; or
b) is available
				only to certain individuals
unless such is the fact. This Part prohibits the repetitive
				  use of such advertisements. Where an insurer uses enrollment periods in the
				  advertising of its policies, the Part prohibits describing an enrollment period
				  as a special opportunity or offer for the applicant.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION JJ - Guideline to Section 2002.160(a)(2)

Current through Register Vol. 48, No. 28, July 12, 2024
a) This
				Section restricts the repetitive use of enrollment periods. This Part does not
				limit just the use of enrollment periods. It requires that a particular
				insurance product offered in an enrollment period through any advertising
				media, including the prepared presentations of agents, cannot be offered again
				in the entire state until six months from the close of the enrollment periods
				have expired. Thus, an insurer must choose whether to use enrollment periods or
				open enrollment for a product.
b)
				This Section does not prohibit multiple advertising during an enrollment period
				through any and all media published or transmitted within this state as long as
				the enrollment periods for such advertisements have the same expiration
				date.
c) The six month limitation
				applies to the offering of the product in any advertising media and the entire
				State of Illinois is considered one geographic area. For example, if an
				enrollment period was used in the solicitation of a product in the Chicago
				area, it could not be offered in any section of Illinois until six months
				expire from the closing date of the enrollment period.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION KK - Guideline to Section 2002.160(a)(4)

Current through Register Vol. 48, No. 28, July 12, 2024
a) This
				Section defines the meaning of "a particular insurance product" in Section
				2002.160(a)(2) and prohibits advertising of products having minor variations,
				such as different elimination periods or different amounts of daily hospital
				indemnity benefits, in a succession of enrollment periods.
b) To determine if one product is
				substantially different than another, the products must be compared as to
				primary benefits offered. For example, if one hospital indemnity policy has a
				$30/day benefit and a return of premium benefit, it is substantially similar to
				one having a $100/day benefit with no return of premium benefit. A hospital
				expense policy as compared with a hospital indemnity plan is substantially
				different.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION LL - Guideline to Section 2002.160(b)

Current through Register Vol. 48, No. 28, July 12, 2024
This Section prohibits advertising which overemphasizes an
				  initial reduced premium. The Part requires the renewal premium to appear as
				  frequently as, as prominently as, and in juxtaposition with the initial reduced
				  premium wherever and as often as it appears. The term "juxtaposition" means
				  side by side or immediately above or below.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION MM - Guideline to Section 2002.160(c)

Current through Register Vol. 48, No. 28, July 12, 2024
a) This
				subsection prohibits the use in advertisements of so-called awards as an
				inducement to the purchase of insurance.
b) This subsection prohibits those marketing
				techniques which imply that the person is being offered an opportunity to
				purchase a policy due to a minor qualification which has little to do with the
				underwriting requirements for the benefits provided by the policy.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2002 - ADVERTISING OF ACCIDENT AND SICKNESS INSURANCE › Appendix A - Guidelines › ILLUSTRATION NN - Guideline to Section 2002.170

Current through Register Vol. 48, No. 28, July 12, 2024
This Section is closely related to the requirements of
				  Section 2002.100 concerning the use of statistics. The Part prohibits insurers
				  which have been organized for only a brief period of time advertising that they
				  are "old" and also prohibits the use of illustrations of a "home office"
				  building in a manner which is misleading with respect to the actual size and
				  magnitude of the insurer. Also, the occupations of the persons comprising the
				  insurer's board of directors or the public's familiarity with their names or
				  reputations is irrelevant and must not be emphasized. The preponderance of a
				  particular occupation or profession among the board of directors of an insurer
				  does not justify the advertisement of a plan of insurance offered to the
				  general public as insurance designed or recommended by members of that
				  occupation or profession. For example, it is unacceptable for an insurance
				  company to advertise a policy offered to the general public as "the physicians'
				  policy" or "the doctors' plan" simply because there is a preponderance of
				  physicians or doctors on the board of directors of the insurer. The Part
				  prohibits the use of a recommendation of a commercial rating system unless the
				  purpose, meaning and limitations of the recommendation are clearly
				  indicated.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2003 - DEFINITIONS OF THE TERMS "NONCANCELLABLE," "NONCANCELLABLE AND GUARANTEED RENEWABLE," AND "GUARANTEED RENEWABLE" › Section 2003.10 - Authority

Current through Register Vol. 48, No. 28, July 12, 2024
This Part is issued by the Director of Insurance pursuant to
				Section 401 of the Illinois Insurance Code, and it implements Sections 143, 149
				and
				357.5
				of the Illinois Insurance Code by establishing requirements for the use of the
				terms "noncancellable", "noncancellable and guaranteed renewable", and
				"guaranteed renewable", as recommended by the National Association of Insurance
				Commissioners, when such terms are used in individual and family accident and
				health insurance policies and in the advertising thereof.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2003 - DEFINITIONS OF THE TERMS "NONCANCELLABLE," "NONCANCELLABLE AND GUARANTEED RENEWABLE," AND "GUARANTEED RENEWABLE" › Section 2003.20 - Applicability

Current through Register Vol. 48, No. 28, July 12, 2024
This Part shall apply to all companies transacting in this
				State the kinds of business enumerated in Section 4, Class 1(b) and Class 2(a)
				of the Illinois Insurance Code [215 ILCS
				5/4 ] and to all other "persons" as defined in Section
				422 of the Illinois Insurance Code [215 ILCS
				5/422 ] who are engaging in an accident and health
				insurance business in this State. However, this Part does not affect policies
				that must meet guaranteed renewability requirements established by Section 50
				of the Illinois Health Insurance Portability and Accountability Act
				[215
				ILCS 97/50 ], if the terms regulated by this Part are
				not used in the policy or the advertising of the policy.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2003 - DEFINITIONS OF THE TERMS "NONCANCELLABLE," "NONCANCELLABLE AND GUARANTEED RENEWABLE," AND "GUARANTEED RENEWABLE" › Section 2003.25 - Definitions

Current through Register Vol. 48, No. 28, July 12, 2024
Advertisement means any printed or published material,
				audiovisual material and descriptive literature of the health care plan used in
				direct mail, newspapers, magazines, radio scripts, television scripts,
				billboards, websites, electronic mail and similar displays; and any descriptive
				literature or sales aids of all kinds disseminated by a representative of the
				health care plan for presentation to the public, including, but not limited to,
				circulars, leaflets, booklets, depictions, illustrations, form letters and
				prepared sales presentations and any other written or oral representations
				delivered by any means.
Code means the Illinois Insurance Code [215 ILCS 5 ].
Director means the Director of the Illinois Department of
				Insurance.
Policy means all or any part of the forms constituting the
				contract between the insurer and the insured, including the policy,
				certificate, subscriber contract, riders, endorsements, and the application if
				attached, that are subject to filing with and approval by the
				Director.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2003 - DEFINITIONS OF THE TERMS "NONCANCELLABLE," "NONCANCELLABLE AND GUARANTEED RENEWABLE," AND "GUARANTEED RENEWABLE" › Section 2003.30 - Requirements if the Term "Noncancellable" Is Used in a Policy or Advertisement

Current through Register Vol. 48, No. 28, July 12, 2024
If the terms "noncancellable" or "noncancellable and guaranteed
				renewable" are used in a policy, or in the advertisement of a policy, the
				insured has the right to continue in force by the timely payment of premiums
				set forth in the policy:
a) until at
			 least age 50, or
b) in the case of
			 a policy issued after age 44, for at least five years from its date of issue,
			 during which period the company has no right to make unilaterally any change in
			 any provision of the policy while the policy is in force.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2003 - DEFINITIONS OF THE TERMS "NONCANCELLABLE," "NONCANCELLABLE AND GUARANTEED RENEWABLE," AND "GUARANTEED RENEWABLE" › Section 2003.40 - Requirements if the Term "Guaranteed Renewable" Is Used in a Policy or Advertisement

Current through Register Vol. 48, No. 28, July 12, 2024
Except as provided in Section
				2003.30,
				the term "guaranteed renewable" may be used only in a policy, or in the
				advertisement of a policy, that the insured has the right to continue in force
				by the timely payment of premiums:
a)
			 until at least age 50, or
b) in the
			 case of a policy issued after age 44, for at least five years from its date of
			 issue, during which period the company has no right to make unilaterally any
			 change in any provision of the policy while the policy is in force, except that
			 the company may make changes in premium rates by classes. Any such change in
			 rates shall be filed with the Director pursuant to Section 355 of the Code
			 [215 ILCS
			 5/355 ].
Illinois Administrative Code › Title 50 - INSURANCE › Part 2003 - DEFINITIONS OF THE TERMS "NONCANCELLABLE," "NONCANCELLABLE AND GUARANTEED RENEWABLE," AND "GUARANTEED RENEWABLE" › Section 2003.50 - Synonyms

Current through Register Vol. 48, No. 28, July 12, 2024
The limitations on use of the term "noncancellable" described
				in Sections
				2003.30
				and
				2003.40
				above shall also apply to any synonymous term such as "not cancellable", and
				the limitation on use of the term "guaranteed renewable" shall apply to any
				synonymous term such as "guaranteed continuable".
Illinois Administrative Code › Title 50 - INSURANCE › Part 2003 - DEFINITIONS OF THE TERMS "NONCANCELLABLE," "NONCANCELLABLE AND GUARANTEED RENEWABLE," AND "GUARANTEED RENEWABLE" › Section 2003.60 - Medicare Exception

Current through Register Vol. 48, No. 28, July 12, 2024
The requirements in Sections
				2003.30
				and
				2003.40
				of this Part are not intended to preclude the issuance of hospital, surgical
				and medical coverages which may be classified as "noncancellable",
				"noncancellable and guaranteed renewable" or "guaranteed renewable" to the date
				of eligibility for benefits under Title XVIII of the Social Security Act,
				Health Insurance for the Aged Act (
				42 USC
				1395 et seq.), commonly known as Medicare,
				provided the policy contains a definition of such date of eligibility, such as:
				"the day before the date of eligibility for any coverage under Title XVIII of
				the Social Security Act as amended", or similar language. Where loss-of-time
				and hospital-medical-surgical coverages are issued in a combination policy, the
				hospital-medical-surgical coverages may be classified as "noncancellable",
				"noncancellable and guaranteed renewable" or "guaranteed renewable" to the date
				of eligibility for benefits under Title XVIII of the Social Security Act
				without so limiting the loss-of-time coverage in the same
				policy.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2003 - DEFINITIONS OF THE TERMS "NONCANCELLABLE," "NONCANCELLABLE AND GUARANTEED RENEWABLE," AND "GUARANTEED RENEWABLE" › Section 2003.70 - Other Guarantees

Current through Register Vol. 48, No. 28, July 12, 2024
Nothing contained within this Part is intended to restrict the
				development of policies having other guarantees of renewability, or to prevent
				the accurate description of their terms of renewability or the classification
				of such policies as guaranteed renewable or noncancellable for any period
				during which they may actually be such, provided the terms used to describe
				them in policy contracts and advertising are not such as may readily be
				confused with the above terms.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2003 - DEFINITIONS OF THE TERMS "NONCANCELLABLE," "NONCANCELLABLE AND GUARANTEED RENEWABLE," AND "GUARANTEED RENEWABLE" › Section 2003.80 - Effective Date

Current through Register Vol. 48, No. 28, July 12, 2024
This Part shall be effective and apply to all individual and
				family accident and health insurance policies issued or issued for delivery in
				this State and the advertising of those policies on and after December 28,
				1965.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2004 - ACCIDENT AND HEALTH RESERVES › Section 2004.5 - Authority

Current through Register Vol. 48, No. 28, July 12, 2024
This Part is promulgated and adopted pursuant to and in
				accordance with the provisions of Section 401 of the Illinois Insurance Code in
				order to implement Section 353(a) of the Code.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2004 - ACCIDENT AND HEALTH RESERVES › Section 2004.7 - Definitions

Current through Register Vol. 48, No. 28, July 12, 2024
Code means the Illinois Insurance Code [215 ILCS 5 ].
Department means the Department of Financial and Professional
				Regulation.
Director means the Director of the Department of Financial and
				Professional Regulation-Division of Insurance.
Division means the Illinois Department of Financial and
				Professional Regulation-Division of Insurance.
Insurer means an insurance company that has delivered or issued
				for delivery in this State an insurance policy.
Illinois Administrative Code › Title 50 - INSURANCE › Part 2004 - ACCIDENT AND HEALTH RESERVES › Section 2004.10 - Application, Effective Dates and Incorporations by Reference

Current through Register Vol. 48, No. 28, July 12, 2024
a) This Part
			 applies to all companies transacting in this State the kinds of business
			 enumerated in clause (b) of Class 1 and clause (a) of Class 2 of Section 4 of
			 the Code, and it applies to all accident and health policies for which reserve
			 standards are prescribed under Section 353a of the Code. The original standards
			 created in this Part applied through 2001. From 2002 through 2016, the
			 applicable standards were those prescribed by the National Association of
			 Insurance Commissioners (NAIC) in the Accounting Practices and Procedures
			 Manual (APPM). Pursuant to Section 223 of the Code, starting in 2017, the
			 applicable standards are those prescribed by the NAIC in the Valuation Manual
			 (VM).
b) Incorporations by
			 Reference
1) National Association of
			 Insurance Commissioners, 1100 Walnut Street, Suite 1500, Kansas City MO
			 64106-2277
A) Policies issued and claims
			 incurred on or after January 1, 2002 and before November 29, 2006 are subject
			 to the standards prescribed in the March 2001 APPM.
B) Policies issued and claims incurred on or
			 after November 29, 2006 and before July 25, 2008 are subject to the standards
			 prescribed in the March 2006 APPM.
C) Policies issued and claims incurred on or
			 after July 25, 2008 and before December 31, 2015 are subject to the standards
			 prescribed in the March 2008 APPM.
D) Policies issued and claims incurred on or
			 after December 31, 2015 and before January 1, 2017 are subject to the standards
			 prescribed in the March 2016 APPM.
E) Policies issued and claims incurred on or
			 after January 1, 2017 are subject to the standards prescribed in the January 1,
			 2019 edition of the VM as directed in Section 223 of the Code.