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You are here: Home Arizona Law Arizona Revised Statutes  Title 20

Arizona Revised Statutes Title 20

Insurance

Chapter 1GENERAL PROVISIONS
Article 1Scope of Title
20-101Department of insurance; "commission" defined
20-102"Director" defined
20-103Definition of insurance; exceptions
20-104"Insurer" defined
20-105"Person" defined
20-106Acts constituting the transaction of business; definition
20-107Limitation on transaction of insurance; exception
20-108Types of insurers excepted
20-108.01Extended warranty insurers; deposit with state treasurer; powers and duties; definition
20-109Existing licenses
20-110Existing contracts
20-111Existing forms and filings
20-112Existing actions or violations
20-113Construction of particular and general provisions
20-114Violations; classification
20-115Department jurisdiction over certain health care providers; exception; examination; disclosure
20-116Surety bonds; cash deposit as alternative
20-117Definitions
20-118Prohibition; definitions
20-119Charitable gift annuities; audited financial statements; disclosure statement; commissions prohibited; definitions
20-120Payment bonds for third party intermediary entities; contract provisions; definitions
Article 2Administrative Officers and Procedures
20-141Director of insurance; appointment; term; qualifications; compensation
20-142Powers and duties of director; payment of examination and investigation costs; home health services
20-143Rulemaking power
20-144Seal of office
20-145Evidentiary effect of certificate of authority
20-146Supervisor
20-147Assistant director; chief examiner; appointment; qualifications
20-148Deputies and other employees; special services
20-149Prohibition on certain activities by employees; conflict of interest
20-150Delegation of director's authority
20-151Issuance of orders and notices by director
20-152Enforcement
20-153Records
20-154Annual report
20-155Expenses of administration
20-156Examination of insurers and state compensation fund; financial surveillance fund; definition
20-157Access and powers relating to insurers' records
20-157.01Insurer claim files; access by director; definition
20-158Report of examinations by director; information sharing
20-159Insurance examiners' revolving fund; definition
20-160Powers of examination; witnesses; subpoenas; perjury
20-161Hearings
20-162Demand for hearing; stay of order
20-163Notice of hearing
20-164Procedure upon hearing
20-165Order on hearing
20-166Judicial review
20-167Fees
20-168Preparation and sale of publications
20-169Supervision by director
20-170Prohibited acts during sixty day period of supervision
20-171Conservatorship; liquidation
20-172Possession by director of person transacting insurance prior to appointment of receiver; powers of director in possession; stay of possession order; application to title insurance
20-173Residence requirement; exemption for officer representing insurer
Article 3Mandated Health Coverage
20-181Mandated health coverage; report to legislature
20-182Factors for assessing impact; certification of report
Article 4Payment of Premiums
20-191Payment of premiums by mail; date of payment
Chapter 2TRANSACTION OF INSURANCE BUSINESS
Article 1Authorization of Insurers and General Requirements
20-201"Alien" insurer defined
20-202"Charter" defined
20-202.01Stock insurer's initial free surplus defined
20-202.02Mutual insurer's minimum required basic surplus defined
20-202.03Mutual insurer's initial free surplus defined
20-202.04Reciprocal insurer's required basic surplus defined
20-202.05Reciprocal insurer's initial free surplus defined
20-203"Domestic" insurer defined
20-204"Foreign" insurer defined
20-205"State," "United States" defined
20-206Authority to transact insurance
20-207General qualifications to transact insurance
20-208Definition of guaranteed investment contract
20-209Kinds of insurance an insurer may transact
20-210Minimum required capital stock or basic surplus
20-211Surplus required
20-212Funds required to transact additional kinds of insurance
20-213Deposit requirements
20-214Financial requirements; escalator provisions
20-215Application for certificate of authority
20-216Issuance or refusal of certificate
20-217Certificate of authority; term; termination; delivery upon termination or revocation
20-218Name of insurer
20-218.01Appointment of a statutory agent
20-218.02Change of known place of business or statutory agent
20-219Mandatory revocation or suspension
20-220Certificate of authority; refusal to renew; revocation or suspension; civil penalty
20-221Director as agent for service of process
20-222Service of process; time to answer
20-223Annual statement; payment of fees; penalty for failure to file or pay
20-223.01Annual report of product liability insurer
20-224Premium tax
20-224.01Additional premium tax
20-224.02Credit for overpayment of tax
20-224.03Premium tax credit for increased employment in enterprise zones; definition
20-224.04Premium tax credit for increased employment in military reuse zones; definitions
20-225Failure to pay tax; penalty
20-226Exclusive character of premium tax; exception
20-227Disposition of tax proceeds
20-228Exemption of insurers from general corporation reports and fees
20-229Countersignature of insurance producer; exceptions
20-230Retaliation
20-231Transfer of domicile
20-232Junior achievement program; exemption from licensure
20-233Additional information required of insurer; disclosure to director; violation; classification
20-234Filing requirement; participation in the insurance regulatory information system
20-235Insurers; financial disclosure; requirements
20-236Civil penalty for failure to respond to a request for verification of financial responsibility
20-237Failure to provide information; penalty
Article 2Kinds of Insurance; Reinsurance; Limits of Risk
20-251Definitions not mutually exclusive
20-252"Casualty insurance" defined
20-253"Disability insurance" defined
20-254"Life insurance" defined
20-254.01"Annuities" defined
20-255"Marine and transportation insurance" defined
20-256"Property insurance" defined
20-257"Surety insurance" defined
20-258Multiple line insurers
20-259"Vehicle insurance" defined
20-259.01Motor vehicle liability policy; uninsured optional; underinsured optional; subrogation; medical payments liens; definitions
20-259.02Coverage to include car pool operators and car pool vehicles; definitions
20-259.03Uninsured and underinsured motorist coverages; insured; wrongful death recovery
20-260Limit of risk
20-261Authorized reinsurance
20-261.01Credit for reinsurance
20-261.02Reduction from liability for reinsurance ceded by a domestic insurer to an assuming insurer
20-261.03Qualified United States financial institution; definitions
20-261.04Reinsurance agreements affected
20-262Motor vehicle insurance policy; reduction of rate for older person completing accident prevention course; course requirements
20-263Vehicle insurance; prohibited act by insurer; hearing; penalty
20-264Automobile insurance; damaged safety equipment deductible optional; definition
20-265Motor vehicle insurance; premium comparisons and complaint ratios
20-266Minimum liability policy; availability
20-267Motor vehicle liability policies; monthly basis; fee
20-268Motor vehicle subrogation
20-269Reduction in automobile liability insurance premiums for mandatory seat belt use
20-270Residential property insurance; prohibited acts
20-271Lienholders; proof; accidents; notice; applicability
Article 3Insurance Producer Licensing
20-281Definitions
20-282License required
20-283Exceptions to insurance producer licensing
20-284Application for examination
20-285Application for license
20-286Licensure; lines of authority
20-287Nonresident licensing
20-288Exemption from examination
20-289Expiration; surrender; renewal
20-289.01Inactive license or application status during military service
20-290Insurance producer records; individual licensees
20-291Service of process on nonresident licensees
20-292Violation; injunctive relief
20-293Insurance vending machines
20-294Temporary licensing
20-295License denial, suspension or revocation; civil penalty
20-296Procedure after suspension or revocation of license
20-297Assumed business name; trade name
20-298Commissions
20-299Sharing of information
20-300Reciprocity
20-301Report of actions
20-302Rules
Article 3.1Managing General Agents
20-311Definition of managing general agent; exceptions; adjustment or payment of claims
20-311.01Licensing of managing general agents; surety deposit; definition
20-311.02Requirements for managing general agent agreements
20-311.03Application of other laws
Article 3.2Adjusters
20-321Definition of adjuster; exception
20-321.01Licensing of adjusters; qualifications; exemption
20-321.02Application of other laws
Article 3.3Other Insurance Professionals
20-331Rental car agents; definitions
20-331.01Political subdivision employees; risk management consultant licenses
Article 3.4Definitions
20-340Definitions
20-340.01Bail bond agents; business entities; place of business; receipt; maintenance of records
20-340.02Bond of bail bond agents
20-340.03Bail bond agent prohibitions
20-340.04Bail recovery agent prohibitions; criminal records checks
20-340.05Rules
20-340.06Application of other laws
Article 4Rates and Rating Organizations
20-341Purpose of insurance rate regulation
20-342Scope and application of article
20-343Definitions
20-344Uniform plans
20-356Making of rates
20-357Filing of rating system; definition
20-358Disapproval of rates
20-359Deviations from filed workers' compensation rates
20-361Licensing of rating organizations
20-362Notice to director of changes in rating organization
20-363Availability of services of rating organization to members
20-364Technical services
20-365Cooperation in rate making
20-366Appeal by member or subscriber from action relating to filings
20-367Workers' compensation appeals board; composition; board termination
20-367.01Appeals procedure
20-368Advisory organizations
20-369Joint underwriting or joint reinsurance
20-370Examinations of rating organizations
20-371Rate administration
20-372Disclosure of information relating to rates
20-373Commissions and fees
20-374Revocation and suspension of licenses
20-375Making of title insurance rates
20-376Filing of title insurance rates; approval or disapproval
20-377Justification for title insurance rates
20-378Disapproval of title insurance filings
20-379Deviations in title insurance rates
Article 4.1Open Competition Rates and Rating Organizations
20-381Definitions
20-382Scope of application
20-383Rate standards
20-384Rating criteria
20-385Filing of rates
20-386Filings open to inspection
20-387Delegation of rate making and rate filing obligations
20-388Disapproval of rates
20-389Rate service organizations; license; application
20-390Advisory organizations; filing with director
20-391Joint underwriting and joint reinsurance organizations; filing with director
20-392Rate agreements among insurers prohibited
20-393Recording and reporting of experience
20-394Examination of rate service organizations and joint underwriting and joint reinsurance organizations
20-395Apportionment agreements among insurers
20-396Hearing and judicial review
20-397Penalties; exception
20-398Policy forms; approval or disapproval; exemption
20-399Payment of dividends
Article 4.2Compliance With Filed Rates
20-400Scope of provisions
20-400.01Unjustified adjustments
20-400.02Submittal of data comparing premiums charged to filed rates
20-400.03Penalties
20-400.04Examinations
20-400.05Examiners and examination related expenses
20-400.07Report of examination
20-400.08Insurance consumer advisory board
20-400.09Rules
20-400.10Industrial insureds
Article 5Unauthorized Insurers
20-401Definitions
20-401.01Unlawful transaction of insurance business; exemptions
20-401.02Violation; cease and desist orders; injunctive relief
20-401.03Service of process in an action by the director of insurance
20-401.04Action by attorney general to enforce order or decision of court or director; foreign decrees
20-401.05Certificate of exemption; definitions
20-401.06Unauthorized transactions; classification
20-401.07Premium receipts tax on industrial insureds contracting with unauthorized insurer; definitions
20-402Validity of contracts
20-403Service of process in an action by someone other than the director of insurance
20-404Exemptions
20-405Prerequisites for participating in court action
20-406Attorneys' fees in action against insurer
20-407Surplus lines; brokers
20-408Report of broker; civil penalty
20-409Recognized surplus lines
20-410Validity of surplus lines insurance; disclosure; policy fees
20-411Licensing of surplus lines broker; examination
20-411.01Licensing of Mexican insurance surplus lines broker
20-411.02Nonresident surplus lines broker; remittance of tax on insurance procured out of state
20-412Acceptance of surplus lines business by broker
20-413Placing of surplus lines coverage; endorsement by broker; list of unauthorized insurers; removal from list; definition
20-414Records of surplus lines brokers
20-415Statement of surplus lines insurance business transacted by broker; reporting periods
20-416Tax on surplus lines
20-417Failure to remit tax; civil penalty
20-418Denial, revocation or suspension of license; civil penalty
20-419Legal process against surplus lines insurer
20-420Exemptions from surplus lines provisions
20-421Access of director to records of person insured by unauthorized insurer
20-422Alien insurance for coverage in Mexico
Article 6Unfair Practices and Frauds
20-441Purpose of article; definition
20-442Unfair trade practices prohibited
20-443Misrepresentations and false advertising of policies
20-443.01Misrepresentation in sale of insurance; violation; classification
20-444False or deceptive advertising of insurance or status as insurer
20-445Defamation
20-446Acts tending to result in unreasonable restraint or monopoly of insurance business
20-447False financial statements or records
20-448Unfair discrimination; definitions
20-448.01Required insurance procedures relating to HIV information; confidentiality; violations; penalties; definitions
20-448.02Genetic testing; informed consent; definitions
20-449Rebates on life or disability insurance
20-450Practices not prohibited as discrimination or rebates in life and disability insurance
20-451Rebates on other than life or disability insurance
20-452Prohibited inducements
20-452.01Designation of particular insurer or person transacting insurance prohibited
20-452.02Exceptions
20-452.03Evidence of nonviolation
20-452.04Investigation by director of alleged violations
20-453Programs for purchase by policyholders of securities of insurance companies
20-454Programs for purchase by policyholders of securities of companies not engaged in insurance
20-455Interlocking ownership or management; multiple directorship
20-456Cease and desist order for defined or prohibited practices; civil penalty
20-457Premature disposal of premium notes prohibited
20-458Fraudulent statement in application; classification
20-459Deferred dividends; life
20-460Free choice of insurance producer
20-461Unfair claim settlement practices
20-462Timely payment of claims
20-463Fraud; injunction; penalties; restitution; definitions
20-464Prohibiting payment for services to persons other than the assignee
20-465Fees; deposits
20-466Fraud unit; peace officer status; powers; information sharing duty of insurers
20-466.01Fraud; classification
20-466.02Injunction; restitution; civil penalties; costs
20-466.03Notice of penalty for false or fraudulent claims; claim forms
20-466.04Referrals to other licensing agencies; definition
20-467Return premiums; penalties
20-468Motor vehicle loss; policyholder choice of repair facility
20-469Motor vehicle loss; choice of glass repair facility
Article 7Insurance on Collateral Security
20-471Definition of insurance service charge; limit; prohibited use
20-472Service charges in connection with insurance on collateral security prohibited when change of ownership
20-473Obligation of mortgagee to furnish mortgagor copies of insurance policy
20-474Service charges in connection with insurance on collateral security prohibited when mortgagee procures insurance
20-475Reasonable requirements of security holder are valid
20-475.01Insurance on mortgaged property; disclosure of expiration date prohibited; exception
20-476Violation; classification
Article 8Insurance Holding Company Systems
20-481Definitions
20-481.01Investment limitations; exemptions
20-481.02Tender offers; required statements; disclosures; approval or disapproval by director
20-481.03Contents of statement
20-481.04Statement filed by partnership, corporation or other group
20-481.05Material change of fact; filing amended statement; time
20-481.06Use of other statements
20-481.07Approval and issues; notice; hearings
20-481.08Appointment of director as agent for service of process; forwarding of process; consent to jurisdiction
20-481.09Registration of insurers; deadline
20-481.10Form and content of registration statement; disclosure of information
20-481.11Exemption for nonmaterial items
20-481.12Standards
20-481.13Material changes; amended statement; time; reporting of dividends
20-481.14Termination of registration
20-481.15Consolidated registration by affiliates
20-481.16Alternative registration for an affiliate
20-481.17Exemption by director
20-481.18Disclaimer of affiliation or control; contents; effect on duty to register
20-481.19Extraordinary dividend or distribution; time; notice; definition; approval by director
20-481.20Examination of registered insurers; powers; limits; expense
20-481.21Confidential records; consent to release; release without consent; information sharing
20-481.22Power to make rules
20-481.23Violations
20-481.24Adequacy of surplus
20-481.25Acquisitions involving insurers not otherwise covered; anticompetitive considerations; civil penalty; definitions
20-481.26Penalties; cease and desist order; violations; classification
20-481.27Recovery; liability
20-481.28Insurer's license; revocation; suspension; nonrenewal
20-481.29Injunctions; prohibitions against voting securities; sequestration of voting securities
20-481.30Judicial review; special action
Article 9Insurance Administrators
20-485Definitions; scope
20-485.01Written agreement; provisions; maintenance of records
20-485.02Administrator as intermediary between insurer and insured; right of action preserved
20-485.03Maintenance of records; access; confidentiality; information sharing; examination
20-485.04Advertising; approval
20-485.05Inclusion of underwriting standards
20-485.06Charges or premiums collected held in fiduciary capacity; establishment of account; disbursements
20-485.07Payment of claims on behalf of insurer
20-485.08Delivery of written communications
20-485.09Adjustment or settlement of claims; compensation
20-485.10Deposit or surety bond of administrators; amount; purpose
20-485.11Notice to insureds; statement of charge or premium for coverage; conflict of interest prohibited
20-485.12Certificate of registration; fees; expiration; revocation; civil penalties; violation; classification; injunctive relief; exemption
Article 10Reinsurance Intermediaries
20-486Definitions; director's list
20-486.01Licensure of reinsurance intermediaries
20-486.02Required contract provisions; reinsurance intermediary brokers
20-486.03Books and records; reinsurance intermediary brokers
20-486.04Duties of insurers utilizing the services of a reinsurance intermediary broker
20-486.05Required contract provisions; reinsurance intermediary managers
20-486.06Books and records; reinsurance intermediary managers
20-486.07Prohibited acts; reinsurance intermediary managers
20-486.08Duties of reinsurers utilizing the services of a reinsurance intermediary manager
20-486.09Examination authority
20-486.10Penalties and liabilities
20-486.11Adoption of rules
Article 11Producer Controlled Property and Casualty Insurance
20-487Definitions
20-487.01Applicability
20-487.02Minimum standards
20-487.03Disclosure
20-487.04Penalties
Article 12Risk-Based Capital for Insurers
20-488Definitions
20-488.01Riskbased capital reports
20-488.02Company action level event
20-488.03Regulatory action level event
20-488.04Authorized control level event
20-488.05Mandatory control level event
20-488.06Hearings
20-488.07Confidentiality; information sharing
20-488.08Supplemental provisions; rules; exemption
20-488.09Foreign insurers
20-488.10Notice
20-488.11Immunity
Article 13Violent Crime Control and Law Enforcement Act
20-489Violent crime control and law enforcement act; insurance business; rules
Article 14Enforcement of Insurance Policies Affecting Certain Holocaust Victims
20-490Definitions
20-490.01Suspension of limitations period
20-490.02Enforcement; civil penalty
Chapter 3FINANCIAL PROVISIONS AND PROCEDURES
Article 1Assets and Liabilities
20-501Eligible assets
20-502Assets as deductions from liabilities
20-503Assets not allowed as deductions from liabilities
20-504Reporting assets not allowed
20-505Liabilities
20-506Unearned premium reserve
20-507Unearned premium reserve for marine insurance
20-508Reserves for disability insurance
20-509Increase of inadequate reserves
20-510Standard valuation law; definition
20-511Valuation of bonds; limitation
20-512Valuation of other securities
20-512.01Valuation of joint ventures, partnerships and limited liability companies
20-513Valuation of real and personal property
20-514Valuation of purchase money mortgages
20-515Valuation of assets held in separate accounts
20-516Reserve standards
20-517Report of acquisitions and dispositions
20-518Acquisitions and dispositions of assets
20-519Nonrenewals, cancellations or revisions of ceded reinsurance agreements
Article 2Investments
20-531Scope of article
20-532Eligible investments
20-533Qualification of securities or property as eligible investments
20-534Approval of investment
20-535Limitation on percentage of assets invested with single person; exception
20-536Investments; type; limitations
20-536.01Separate accounts
20-537Investment of funds in United States obligations; accounting
20-538Securities of states, territories, counties, municipalities, school districts, political subdivisions, public districts or civil divisions thereof
20-539Federally guaranteed loans
20-540Governmental revenue bonds and obligations; limitation; definitions
20-541Improvement district obligations
20-543Acceptances and bills of exchange
20-544Corporate obligations
20-545Preferred, guaranteed or preference stock
20-546Common stocks
20-547Equipment trust certificates
20-548Obligations of receivers or trustees
20-549Investments not otherwise authorized; limitations; appraisal; cost
20-550Policy loans
20-551Investments or deposits in financial institutions
20-552Foreign securities
20-553Mortgages on real estate; definitions
20-554Purchase money mortgages
20-555Security agreements; definition
20-556Real property
20-557Second mortgages
20-558Investment company or trust; mutual funds
20-559Investments of foreign and alien insurers
20-561Collateral loans
20-562Insurer investments; partnerships; limited liability companies; limitations
Article 3Administration of Deposits
20-581Deposits of insurers
20-582Purpose of deposits
20-583Assets eligible for deposit
20-584Trust companies as depositaries
20-585Responsibility of state for safekeeping of deposits
20-586Rights of insurer during solvency
20-587Excess deposits
20-588Release of deposits
20-589Levy upon deposits prohibited; exception
Article 4Rehabilitation and Liquidation
20-611Definitions
20-612Delinquency proceedings; jurisdiction; venue; nature of remedy; appeal
20-613Commencement of delinquency proceedings
20-614Injunctions
20-615Grounds for rehabilitation of domestic insurers
20-616Grounds for liquidation
20-617Grounds for conservation of foreign insurers
20-618Grounds for conservation of alien insurers
20-619Grounds for ancillary liquidation of foreign insurers
20-620Order of rehabilitation; termination
20-621Order of liquidation of domestic insurers
20-622Order of liquidation of alien insurers
20-623Order of conservation or ancillary liquidation of foreign or alien insurers
20-623.01Conduct of all delinquency proceedings
20-624Conduct of delinquency proceedings against domestic and alien insurers
20-625Conduct of delinquency proceedings against foreign insurers
20-626Claims of nonresidents against domestic insurers
20-627Claims against foreign insurers
20-628Proof of claims; notice; hearing
20-629Priority of distribution; definition
20-630Attachment and garnishment of assets
20-631Uniform insurers liquidation act
20-632Deposit of monies collected
20-634Borrowing on pledge of assets
20-635Rights and liabilities fixed as of date liquidation order filed
20-636Voidable transfers
20-638Offsets
20-639Allowance of certain claims
20-640Time to file claims
20-641Report for assessment
20-642Levy of assessment
20-643Order to pay assessment
20-644Publication and service of assessment order
20-645Judgment upon assessment
20-646Cooperation with Arizona property and casualty insurance guaranty fund and life and disability insurance guaranty fund
20-647Giving guaranty fund or association immediate access to assets
20-648Receivership liquidation fund; purpose; deposit; expenses of receivership; deputy receiver; powers and duties
20-649Extension of time
20-650Recovery of shareholder liability
Article 5Separate Accounts
20-651Establishment of separate accounts; income, gains and losses; variable benefits; requirements; reserves
Article 6Administration of Insolvency
20-661Definitions
20-662Insurance guaranty fund
20-663Guaranty fund board; composition; compensation
20-664Powers and duties of the board
20-665Plan of operation
20-666Assessments; notification; exemptions; setoffs; refunds
20-667Obligations of the fund
20-668Powers and duties of the director
20-669Examination of member insurer; costs; release of report
20-670Meetings; information; subpoena power; confidentiality
20-671Special meetings closed
20-672Effect of paid claims
20-673Nonduplication of recovery; exhausting all other applicable coverages; rights of fund and member insurer; definition
20-674Premium tax offset
20-675Immunity and indemnification
20-676Stay of proceedings
20-677Interest
20-678Examination of the fund; annual report
20-679Limitation on filing of creditor's claims
20-680Exempt types of insurance
Article 7Administration of Life and Disability Insurance Insolvencies
20-681Definitions
20-682Scope of article
20-683Life and disability insurance guaranty fund
20-684Guaranty fund board; meetings; definition
20-685Powers and duties of the board
20-686Assessments
20-687Plan of operation
20-688Duties and powers of the director
20-689Prevention of impairments
20-690Financial provisions; definition
20-691Examination of the fund; annual report
20-692Premium tax offset
20-693Immunity
20-694Stay of proceedings; reopening default judgments
20-695Statute of limitations
Article 8Actuarial Opinion and Memorandum Requirements
20-696Scope of article
20-696.01Definitions
20-696.02General requirements; statement of actuarial opinion; qualified actuary; appointed actuary; analysis
20-696.03Required opinions; company categories
20-696.04Statement of actuarial opinion not based on an asset adequacy analysis
20-696.05Statement of actuarial opinion based on an asset adequacy analysis
20-696.06Actuarial memorandum including an asset adequacy analysis
20-696.07Additional considerations for analysis
Chapter 4PARTICULAR TYPES OF INSURERS
Article 1Domestic Stock and Mutual Insurers
20-701Scope of article
20-702"Mutual" insurer defined
20-703"Stock" insurer defined
20-704Applicability of general corporation laws
20-705Articles of incorporation
20-706Filing, recording and publication of articles; appointment of agent to receive process; issuance of certificate
20-707Amendment of articles
20-708Limited stock insurers
20-709Formation of mutual insurer; applications for insurance
20-710Formation of mutuals; trust deposit of premiums; issuance of policies
20-711Initial qualification of domestic mutual insurers
20-712Additional kinds of insurance authorized to be issued by mutual insurer
20-713Bylaws of mutual insurer
20-714Quorum of members of mutual insurer
20-715Membership in mutual insurer
20-716Rights of mutual insurer member
20-717Contingent liability of mutual insurer members
20-718Enforcement of contingent liability
20-719Issuance of nonassessable policies by mutual insurers
20-720Revocation of authority to issue nonassessable policies
20-721Participating policies
20-722Stock dividends
20-723Dividends to mutual policyholders
20-724Illegal dividends; classification
20-725Borrowed surplus
20-726Prohibited interests of officers and directors in certain transactions
20-726.01Insider trading by officers, directors and principal stockholders
20-727Management and exclusive agency contracts
20-728Impairment of capital or assets
20-729Conversion of stock insurer to mutual insurer
20-730Conversion of mutual insurer to stock insurer
20-731Merger or consolidation of stock insurers; hearings; notice
20-732Acceptance of reinsurance by stock insurers; definition
20-733Merger or consolidation of mutual insurers
20-734Acceptance of reinsurance by mutual insurers
20-735Distribution of assets of mutual insurer upon liquidation
20-736Transfer of direct obligations; assignment; notice; findings; approval; applicability
Article 2Reciprocal Insurers
20-761"Reciprocal" insurance defined
20-762"Reciprocal insurer" defined
20-763Scope of article
20-764Compliance by existing insurers
20-765Powers of reciprocal insurers
20-766Name of insurer; designation by name as party in action
20-767Attorneyinfact of reciprocal insurers
20-768Required surplus funds
20-769Organization of reciprocal insurer
20-770Certificate of authority
20-771Power of attorney
20-772Modifications of agreement
20-773Bond of attorney
20-774Deposit in lieu of bond of attorney
20-775Action on bond
20-776Service of legal process; liabilities under judgment on such service
20-777Annual statement
20-778Contributions to insurer
20-779Financial condition; determination
20-780Subscribers
20-781Subscribers' advisory committee
20-782Subscriber's liability
20-783Liability of subscriber on judgment against insurer
20-784Assessments
20-785Time limit for assessment
20-786Limitation on liability
20-787Nonassessable policies
20-788Distribution of savings
20-789Subscriber's share in assets
20-790Merger or conversion
20-791Impaired reciprocal insurers
20-792Ownership of real property
Article 3Hospital, Medical, Dental and Optometric Service Corporations
20-821Scope of article; rules; authority of director
20-822Definitions
20-823Incorporation of hospital, medical, dental and optometric service corporations
20-824Application for certificate; fee
20-825Certificate of authority; requirements
20-825.01Minimum capital or surplus required; application
20-826Subscription contracts; definitions
20-826.01Hospital or medical service corporations; clinical trials; cancer; definitions
20-826.02Subscription contracts; varying copayments and deductibles allowed
20-827Participating health care professionals; definition
20-828Deposit for protection of members
20-829Directors
20-830Expenses and investments
20-831Annual statement; examination
20-832Limitation on salaries
20-833Relationship of health care professional and patient; financial incentives; definition
20-834Dissolution; unfair practices
20-835Judicial review of decisions of director
20-836Limitation on liability
20-837Tax exemption; exceptions
20-838Subscribers and employees exempt from corporate indebtedness
20-839Exemption of certain hospital plans
20-840Continuation of existing certificates, licenses and rights
20-841Prohibiting denial of certain contract benefits
20-841.01Prohibiting denial of chiropractic contract benefits; direct reimbursement
20-841.02Prohibiting denial of psychologist contract benefits
20-841.03Prohibiting denial of contract benefits; nurses; reimbursement
20-841.04Standing referrals to network health care professionals; definition
20-841.05Prescription drug formulary; definitions
20-841.06Continuity of care; definition
20-841.07Medical supplies
20-841.08Prohibiting denial of occupational or physical therapist contract benefits
20-842Prohibition against excluding coverage because of previous tests for a condition
20-843Eligibility; prohibiting cancellation because of eligibility for certain benefits
20-844Right to open enrollment period; subscribers; definition
20-845Suspension or revocation of certificate of authority; civil penalties
Article 4Fraternal Benefit Societies
20-861Definitions
20-862Lodge system
20-863Representative form of government
20-864Purposes and powers
20-865Qualifications for membership
20-866Location of office; publications; grievance procedure
20-867Exemption from liability
20-868Waiver
20-869Organization
20-870Amendment to society laws
20-871Authority to maintain institutions
20-872Reinsurance
20-873Consolidation or merger
20-874Conversion of fraternal benefit society to mutual life insurance company
20-875Benefits
20-876Beneficiaries
20-877Benefits not attachable
20-878Benefit contract
20-879Nonforfeiture benefits, cash surrender value, certificate loans and other options
20-880Investments
20-881Funds
20-882Applicable insurance provisions
20-883Tax exemption; exception
20-884Valuation
20-885Reports
20-886Certificate of authority; termination
20-887Examination of societies; limitation on disclosure
20-888Admission of foreign or alien societies
20-889Injunction; delinquency or dissolution proceedings
20-890Licensing of insurance producers
20-891Unfair acts and practices
20-892Violation; classification
20-893Exemption of societies from insurance laws
Article 7Prepaid Dental Plan Organizations
20-1001Definitions
20-1002Establishment of prepaid dental plan organizations
20-1003Application for certificate of authority
20-1004Issuance of certificate of authority
20-1005Deposit requirement; exception
20-1006Reserve requirement; exception
20-1006.01Risk-based capital requirements; minimum capital and surplus
20-1007Membership coverage by prepaid dental plan organizations
20-1008Examination of prepaid dental plan organization
20-1009Annual report to director
20-1010Taxes
20-1011Operational expenses
20-1012Prohibited practices
20-1013Regulation of agents
20-1014Examination
20-1015Suspension or revocation of certificate of authority; civil penalties
20-1016Rehabilitation, liquidation or conservation of prepaid dental plan organization
20-1018Advertising matter or sales materials
20-1019Order of benefit determination for dental care
Article 8Lloyd's Associations
20-1021Lloyd's association defined
20-1022Forms of insurance authorized
20-1023"Attorney" defined; office
20-1024Application for license; contents
20-1025Surplus required
20-1026Reserves for liabilities and losses
20-1027Liability of underwriters; limitation
20-1028Liability of additional or substituted underwriters; authority of deputy, substitute or successor attorney
20-1029Division of profits
20-1030Actions on policies or insurance contracts; process; judgments; costs
20-1031Deposit required of Lloyd's association
20-1032Revocation of license
20-1033Laws applicable to Lloyd's association
Article 9Health Care Services Organizations
20-1051Definitions
20-1052Establishment of health care services organizations
20-1052.01Establishment of provider sponsored health care services organizations; rules; limitations
20-1053Application for certificate of authority
20-1054Issuance of certificate of authority
20-1055Deposit requirement
20-1056Reserve requirement; exception
20-1057Evidence of coverage by health care services organizations; renewability; definitions
20-1057.01Standing referrals to network health care professionals; definition
20-1057.02Prescription drug formulary; definitions
20-1057.03Chiropractic care; definitions
20-1057.04Continuity of care; definition
20-1057.05Medical supplies
20-1057.06Prior authorization
20-1057.07Health care services organizations; clinical trials; cancer; definitions
20-1057.08Prescription contraceptive drugs and devices; definition
20-1057.09Health care services organizations; varying copayments and deductibles allowed
20-1058Examination of health care services organizations
20-1059Annual report to director
20-1059.01Admitted assets; health care delivery assets
20-1060Taxes; exemption
20-1061Prohibited practices; definition
20-1062Regulation of agents
20-1063Powers of insurers and hospital and medical service corporations
20-1064Examination
20-1065Suspension or revocation of certificate of authority; civil penalties
20-1066Rehabilitation, liquidation or conservation of health maintenance organization
20-1068Statutory construction and relationship to other laws
20-1069Contingency for insolvency; plan; contents; definition
20-1069.01Right to open enrollment period; enrollees; definitions
20-1070Acquisitions and mergers
20-1071Prohibition against excluding coverage because of previous tests for a condition
20-1072Nonliability of enrollees for provider or hospital charges; penalty
20-1073Eligibility; prohibiting cancellation because of eligibility for certain benefits
20-1074Contract termination; duty to report; provision for continued services during insolvency; definitions
20-1075Transactions with affiliates
20-1076Health care plans; disclosure form; enrollee notification
20-1077Use of freestanding urgent care centers; policies
20-1078Rules
Article 10Domestic Life and Disability Reinsurer
20-1081Domestic life and disability reinsurer
20-1082Definitions
20-1083Law applicable to domestic life and disability reinsurers
20-1084Articles of incorporation
20-1085Capital
20-1086Surplus
20-1087Deposits
20-1088Limit of risk
20-1089Certificates of authority
20-1090Reorganization; limitation
20-1091Transfers to this article
20-1092Control of assets; definition
20-1093Reciprocity
20-1094Approval of reinsurance agreements
20-1094.01Reserve requirements
Article 11Service Companies
20-1095Definitions
20-1095.01Service companies; permits; rules and regulations; application of laws
20-1095.02Exemptions; definition
20-1095.03Qualifications for permit
20-1095.04Filing of cash, alternatives to cash or surety bond
20-1095.05Contracts not in compliance; validity
20-1095.06Approval of motor vehicle service contract program; requirements for approval
20-1095.07Notification to director of intent to sell contract; sale of unapproved contract; violation; classification
20-1095.08Nonrenewal, revocation or suspension of permit
20-1095.09Unfair trade practices; violation of article; cease and desist order
20-1095.10Scope and limitations of article
Article 12Mechanical Reimbursement Reinsurers
20-1096Definitions
20-1096.01Formation of mechanical reimbursement reinsurer; articles of incorporation
20-1096.02Capital
20-1096.03Surplus
20-1096.04Qualifications
20-1096.05Annual reports; renewal of certificate of authority
20-1096.06Filing of cash or alternatives to cash
20-1096.07Reserves
20-1096.08Nonrenewal, revocation or suspension of certificate of authority
20-1096.09Cease and desist order; violation of article
20-1096.10Rules and regulations
20-1096.11Scope and limitations of article
Article 13Prepaid Legal Insurance
20-1097Definitions
20-1097.01Exceptions
20-1097.02Certificate of authority; requirements; issuance
20-1097.03Deposit required
20-1097.04Prepaid legal insurance contract provisions
20-1097.05Prepaid legal insurance contracts; rates
20-1097.06Contracts for underwriting
20-1097.07Fees and taxes
20-1097.08Advertising and solicitation of legal services
20-1097.09Liability of corporation; civil penalty
20-1097.10Capital, surplus and reserve requirements
20-1097.11Assets; valuation; reporting
20-1097.12Annual statement and information; penalty
20-1097.13Suspension or revocation of authorization or registration; appeal; civil penalty; rules
Article 14Captive Insurers
20-1098Definitions
20-1098.01Licensing; authority
20-1098.02Names of companies
20-1098.03Minimum capital and surplus; letter of credit
20-1098.04Formation of captive insurers; redomestication
20-1098.05Protected cell captive insurers
20-1098.06Protected cell captive insurers; sponsors; participants
20-1098.07Annual report
20-1098.08Examinations
20-1098.09Grounds and procedures for license suspension or revocation
20-1098.10Legal investments
20-1098.11Reinsurance
20-1098.12Rating organization; exemption
20-1098.13Associations; benefits; prohibitions
20-1098.14Rules
20-1098.15Applicability
20-1098.16Captive manager
20-1098.17Captive fees report; effect of fees payment
20-1098.18Captive insurance regulatory and supervision fund; purpose
Article 15Vehicle Protection Products
20-1099Definitions
20-1099.01Vehicle protection products; exemption from insurance code
20-1099.02Exemption from insurance code; requirements
Chapter 5THE INSURANCE CONTRACT
Article 1In General
20-1101Scope of article
20-1102"Policy" defined
20-1103"Premium" defined
20-1104Insurable interest with respect to personal insurance; definition
20-1105Insurable interest with respect to property insurance
20-1106Capacity to contract for insurance; minors
20-1107Application for insurance
20-1108Admissibility of application as evidence
20-1109Statements as representation; effect of misrepresentation upon policy
20-1110Approval of forms
20-1110.01Rules and regulations; form and readability of policies
20-1111Grounds for disapproval of forms
20-1112Standard provisions
20-1113Contents of policy
20-1114Incorporation of charter or bylaw into policy
20-1115Void policy restrictions
20-1116Execution of policies
20-1117Underwriters' and combination policies
20-1118Validity of noncomplying forms
20-1119Construction of policies
20-1120Binders
20-1121Renewal of policy by certificate or endorsement
20-1122Assignment of policies
20-1123Annulment of liability policies
20-1123.01Motor vehicle liability insurance; primary and excess coverage
20-1124Discharge of insurer by payment under policy
20-1125Discharge of payor by payment of benefits under employee benefit plan or life insurance policy
20-1127Simultaneous deaths
20-1128Rights of spouse in life or disability policy
20-1129Furnishing of proof of loss forms by insurer
20-1130Administration of claim against insurer not deemed waiver of defense
20-1131Exemption of life insurance proceeds and cash values from creditors
20-1132Exemption of group life insurance proceeds from creditors; exception
20-1133Medicare supplement insurance; applicability
20-1134Coordination of benefits
20-1135Prohibition against excluding coverage because of previous tests for a condition
20-1136Accelerated payments of certain benefits in life insurance policies
20-1137Limited benefit coverage; prohibited practice; definition
Chapter 6PARTICULAR TYPES OF INSURANCE
Article 1Life Insurance and Annuities
20-1201Scope of article
20-1202Standard provisions required in life insurance policies
20-1203Grace period
20-1204Incontestability
20-1205Application and policy as entire contract; statements in application as representations; information
20-1206Misstatement of age
20-1207Dividends
20-1208Policy loan on old policies
20-1209Policy loan on new policies
20-1209.01Maximum rate of interest on policy loans; definitions
20-1210Nonforfeiture options in old policies
20-1211Table of values
20-1212Table of installments
20-1213Reinstatement
20-1214Payment of premiums
20-1215Payment of claims
20-1216Policy title
20-1217Excluded or restricted coverage
20-1218Standard provisions required in annuity and pure endowment contracts
20-1219Grace period in annuities
20-1220Incontestability in annuities
20-1221Application and contract as entire contract in annuities
20-1222Misstatement of age in annuities
20-1223Dividends on annuities
20-1224Reinstatement of annuities
20-1225Standard provisions required in reversionary annuities
20-1226Limitation of liability
20-1227Incontestability after reinstatement
20-1228Policy settlements
20-1229Authorized deductions from insurance proceeds
20-1230Prohibition of dual or multiple pay policies
20-1231Standard nonforfeiture law for life insurance
20-1231.01Standard nonforfeiture law for life insurance; table for calculating adjusted premiums
20-1232Standard nonforfeiture law for individual deferred annuities
20-1233Free look; annuity contracts
Article 1.1Replacement of Life Insurance Policies and Annuity Contracts
20-1241Definitions
20-1241.01Scope of article
20-1241.02Policy summary requirements
20-1241.03Duties of insurance producers
20-1241.04Duties of insurers that use insurance producers
20-1241.05Duties of replacing insurers that use insurance producers
20-1241.06Duties of existing insurer
20-1241.07Duties of insurers with respect to direct response solicitations
20-1241.08Violations; penalties; intent
20-1241.09Rules; exemption from rule making procedures
Article 1.2Annuity Disclosure
20-1242Definitions
20-1242.01Applicability and scope
20-1242.02Standards for the disclosure document and buyer's guide
20-1242.03Report to contract owners
20-1242.04Penalties
20-1242.05Rules; exemption from rule making procedures
Article 2Group Life Insurance and Group Annuity Contracts
20-1251Requirements for group contracts
20-1251.01Credit union groups
20-1252Employee groups
20-1253Debtor groups
20-1254Labor union groups
20-1255Trustee groups
20-1256Association groups
20-1257Coverage of dependents; definition
20-1258Standard provisions required in group life insurance policies
20-1259Grace period
20-1260Incontestability
20-1261Attachment of application to policy; statements of persons insured as representations
20-1262Right to require evidence of individual insurability
20-1263Misstatement of age
20-1264Beneficiary
20-1265Individual certificates
20-1266Conversion on termination of eligibility
20-1267Conversion on termination of policy
20-1268Death pending conversion
20-1269Notice of conversion right
20-1270Standard provisions required in group annuity contracts
20-1271Grace period in group annuity contracts
20-1272Documents constituting entire group annuity contract
20-1273Misstatements in group annuity contracts
20-1274Nonforfeiture benefits in group annuity contract
20-1275Group annuity contract certificates
20-1276"Employee life insurance" defined
20-1277Assignability of group life insurance
Article 3Industrial Life Insurance
20-1301Scope of article
20-1302Required provisions
20-1303Grace period
20-1304Application and policy as entire contract; statements of applicant as representations
20-1305Incontestability
20-1306Misstatement of age
20-1307Dividends
20-1308Nonforfeiture benefits
20-1309Reinstatement
20-1310Settlement
20-1311Authority to alter contract
20-1312Beneficiary; change of beneficiary; payment
20-1313Direct payment of premiums
20-1314Conversion of weekly premium policies
20-1315Conversion of monthly premium policies
20-1316Title of policy
20-1317Provisions inapplicable to single premium or term policies
20-1318Prohibited provisions
Article 4Disability Insurance
20-1341Scope of article
20-1342Scope and format of policy; definitions
20-1342.01Handicapped children
20-1342.02Disapproval of disability policy form
20-1342.03Disability insurance; clinical trials; cancer; definitions
20-1342.04Disability insurance policies; varying copayments and deductibles allowed
20-1343Policies issued for delivery in another state
20-1344Policy provisions required; omissions; substitutions
20-1345Policy and attachments as entire contract; changes in policy
20-1346Time limit on defenses
20-1347Grace period
20-1348Reinstatement
20-1349Notice of claim
20-1350Claim forms
20-1351Proofs of loss
20-1352Time for payment of claims
20-1353Payment of claims
20-1354Physical examination; autopsy
20-1355Legal actions
20-1356Change of beneficiary
20-1357Optional policy provisions
20-1358Change of occupation
20-1359Misstatement of age
20-1360Other insurance in this insurer
20-1361Insurance with other insurers; provision of service or expense incurred basis
20-1362Insurance with other insurers
20-1363Relation of earnings to insurance
20-1364Unpaid premium
20-1365Cancellation
20-1366Conformity with statutes
20-1367Illegal occupation
20-1368Intoxicants and narcotics
20-1369Arrangement of provisions in policy
20-1370Third party ownership
20-1371Policy provision requirements of other jurisdictions
20-1372Effect of policy containing nonconforming provisions
20-1373Age limit
20-1374Effective date of provisions; moratorium
20-1375Franchise disability insurance law
20-1376Prohibiting denial of certain contract benefits
20-1376.01Prohibiting denial of chiropractic contract benefits; direct reimbursement
20-1376.02Prohibiting denial of psychologist contract benefits
20-1376.03Prohibiting denial of contract benefits; nurses; reimbursement
20-1376.04Prohibiting denial of occupational or physical therapist contract benefits
20-1377Continuation of coverage under individual policies; requirements; exceptions; renewability
20-1378Eligibility; prohibiting cancellation because of eligibility for certain benefits
20-1379Guaranteed availability of individual health insurance coverage; prior group coverage; definitions
20-1380Guaranteed renewability of individual health coverage
20-1381Suspension of health care insurer obligation to issue coverage on a guaranteed issuance basis to eligible individuals
20-1382Health care insurers; reporting requirements
Article 5Group and Blanket Disability Insurance
20-1401Eligible groups
20-1401.01Group disability insurers; notice; copies
20-1402Provisions of group disability policies; definitions
20-1402.01Group disability insurance; clinical trials; cancer; definitions
20-1403Direct payment of hospital and medical services
20-1404Blanket disability insurance; definitions
20-1404.01Blanket disability insurance; clinical trials; cancer; definitions
20-1405Provisions of group and blanket disability policy
20-1406Prohibiting denial of certain contract benefits
20-1406.01Prohibiting denial of chiropractic contract benefits; direct reimbursement
20-1406.02Prohibiting denial of psychologist contract benefits
20-1406.03Prohibiting denial of contract benefits; nursing; reimbursement
20-1406.04Prohibiting denial of occupational or physical therapist contract benefits
20-1407Handicapped children
20-1408Right to obtain individual policy; requirements; exceptions; definition
20-1409Right to open enrollment period; insureds; definition
20-1410Mail order prescription drugs; prohibition
20-1411Eligibility; prohibiting cancellation because of eligibility for certain benefits
20-1412Group and blanket disability insurance policies or contracts; varying copayments and deductibles allowed
Article 7Property Insurance
20-1501Scope of article
20-1502"Fire insurance" defined
20-1503Arizona standard fire policy
20-1504Variations from standard policy format and page numbers
20-1505Policy description of insurer
20-1506Provisions required by charter or laws of other states
20-1507Riders; endorsements; additional perils
20-1508Designation as standard policy; producer's name
20-1509Loss or damage caused by nuclear reaction, or nuclear radiation or radioactive contamination not covered by Arizona standard fire policy
Article 8Surety Insurance
20-1531Sole surety on official bonds
20-1532Venue of actions against surety insurers
20-1533Surety companies; arrest bond certificates issued by motor clubs; definition
20-1534Guaranteed arrest bond certificate; cash bail or other bond; forfeiture
Article 8.1Mortgage Guaranty Insurance
20-1541Definitions
20-1542Capital and surplus
20-1543Limitation on geographic concentration
20-1544Limitation on advertising
20-1545Limitation on investment
20-1546Limitation on coverage
20-1547Mortgage guaranty insurance as monoline
20-1548Underwriting discrimination
20-1549Policy forms and premium rates filed
20-1550Minimum policyholder position; definitions
20-1551Rebates, commissions and charges
20-1552Compensating balances prohibited
20-1553Conflict of interest
20-1554Unearned premium reserve
20-1555Loss reserve
20-1556Contingency reserve
20-1556.01Premium deficiency reserve
20-1557Reinsurance
20-1558Miscellaneous reserves
20-1559Mortgage guaranty insurers; dividend payment
20-1560Examinations; rules
Article 9Title Insurers
20-1561Law governing title insurers
20-1562Definitions
20-1563Qualifications
20-1564Investments
20-1565Additional powers
20-1566Taxation of title insurers
20-1567Determination of insurability required
20-1568Unearned premium reserve
20-1569Amount of unearned premium reserve; release
20-1570Maintenance of the unearned premium reserve
20-1571Use of the unearned premium reserve on liquidation, dissolution or insolvency
20-1572Reserve for unpaid losses and loss expense
20-1573Net retained liability
20-1574Power to reinsure
20-1575Foreign title insurers; resident agent required
20-1576Mergers and consolidations of title insurers
20-1577Corporate acquisitions other than by merger or consolidation
20-1578Purchase or acquisition of controlling stock
20-1580Title insurance agents to be licensed
20-1581Title insurance agents; books; records; revocation of license
20-1582Title insurance agents; replies to inquiries by director
20-1583Title insurance agents; certain names prohibited
20-1584Commissions; right to pay
20-1585Commissions; other considerations prohibited
20-1586Rebates or reduced fees
20-1587Personal or controlled insurance
20-1588Examination of records; order; notice
20-1589Violations; classification
20-1590Permitted division of fees
20-1591Forms of policies and other contracts of title insurance; approval or disapproval
20-1592Records
20-1593Joint examination; department of financial institutions; powers and duties
Article 10Consumer Credit Insurance
20-1602Scope and repeal
20-1603Definitions
20-1604Types of consumer credit insurance
20-1605Maximum amount of credit life insurance
20-1606Maximum amount of credit disability insurance and credit unemployment insurance
20-1606.01Credit unemployment insurance; provisions
20-1607Term of insurance
20-1608Policy provisions and disclosures
20-1609Filing, approval and disapproval of forms
20-1610Premiums for consumer credit insurance; approval or disapproval of rates
20-1611Refunds
20-1612Authorization for issuance of policies
20-1613Reporting and settlement of claims
20-1614Debtor's option in satisfying security
20-1615Rules
20-1616Cease and desist order; hearing
20-1616.01Penalties
Article 10.1Credit Property Insurance
20-1621Scope of article
20-1621.01Definitions
20-1621.02Amount; term; coverage; prohibited practices
20-1621.03Disclosure to debtors; provisions of policies; certificates of insurance
20-1621.04Rates and forms; filing; approval; withdrawal of approval
20-1621.05Reasonableness of benefits in relation to premium charged
20-1621.06Experience reports
20-1621.07Cancellation and refund of unearned premium
20-1621.08Claims
20-1621.09Cease and desist order; hearing
20-1621.10Rules
20-1621.11Penalties
Article 11Cancellation or Non-Renewal of Automobile Insurance
20-1631Definition of motor vehicle; cancellation of or failure to renew coverage; limitations; limitation of liability; exceptions; insurance producers
20-1632Cancellation, nonrenewal and reduction of limits for reasons other than nonpayment of premium; notices to insured; refund of unearned premium
20-1632.01Cancellation or nonrenewal for nonpayment of premium; grace period; notice of cancellation; discrimination; definition
20-1633Objections; investigation; determination
20-1634Immunity
Article 12Cancellation or Non-Renewal of Insurance
20-1651Application; types of risks
20-1652Grounds for valid notice of cancellation; inquiries; definitions
20-1653Mailing of notice of cancellation or nonrenewal to insured; statement of grounds and facts on which cancellation or nonrenewal is based
20-1654Mailing or delivery of notice of intention not to renew to insured; time; term of policy
20-1655Liability of insurer and representatives for statements in notice of cancellation, other communication or evidence given in court relating to cancellation
20-1656Proof of mailing as proof of notice
Article 13Mass Marketed Life or Health Insurance
20-1661Definitions
20-1662Requirements to transact mass marketed insurance
20-1663Unreasonable mass marketed insurance prohibited; hearing; findings; rules
Article 14Cancellation or Nonrenewal of Commercial Insurance
20-1671Scope of article
20-1672Definitions
20-1673Grounds for valid cancellation
20-1674Notice of cancellation
20-1675Liability of insurer and representatives for statements in notice of cancellation, other communication or evidence given in court relating to cancellation
20-1676Notice of nonrenewal
20-1677Notice of premium or coverage changes
20-1678Proof of notice
20-1679Application and effective date
Article 15Long-Term Care Insurance
20-1691Definitions
20-1691.01Applicability and scope
20-1691.02Adoption of rules
20-1691.03Limitations of longterm care insurance policies
20-1691.04Requirements for certain group coverage
20-1691.05Prior institutionalization
20-1691.06Outline of coverage; certificate
20-1691.07Right to return
20-1691.08Rate and form review; disapproval
20-1691.09Penalties
20-1691.10Contestable periods
20-1691.11Nonforfeiture benefits
Article 16Adopted Child Coverage
20-1692Definitions
20-1692.01Requirements for coverage
20-1692.02Eligibility under title XIX of the social security act
20-1692.03Coverage of children
Chapter 7PROFESSIONAL LIABILITY INSURANCE
Article 2Health Care Insurers
20-1721Health care insurers; policy limits; eligibility; rates; applicability to other insurers; restrictions
20-1722Deposit; surplus requirements
20-1723Exemption from mandatory participation in certain plans and associations
20-1724Sale of professional liability insurance coverage for licensed health care providers by insurers other than by health care insurance companies; requirements; exemptions
Article 3Insurance Review Committees
20-1731Immunity for serving on or furnishing information to insurance review committees
Article 4Reporting Requirements
20-1741Annual statement to include certain claims and premium information
20-1742Insurers to report malpractice claims and actions; definition
Chapter 8LIFE CARE CONTRACTS
Article 1General Provisions
20-1801Definitions
20-1802Permit required; application; definition
20-1803Issuance of permit
20-1804Entrance fee escrow
20-1805Recording of lien by director
20-1806Reserve fund escrow
20-1807Annual report; civil penalty
20-1808Ratio of assets to liabilities; report; rehabilitation of provider
20-1809Examination
20-1810Rules and regulations
20-1811Violation; classification
20-1812Disclosure statement; contents
Chapter 9AUTOMOBILE THEFT, FIRE AND ARSON REPORTING IMMUNITY
Article 1General Provisions
20-1901Definitions
20-1902Disclosure of information
20-1903Immunity from liability for disclosure of information
20-1904Confidentiality of information
20-1905Authorized agency as witness
20-1906Violation; classification
20-1907Application of chapter
Chapter 11INSURANCE INFORMATION AND PRIVACY PROTECTION
Article 1General Provisions
20-2101Scope
20-2102Definitions
20-2103Pretext interviews; exception
20-2104Notice of insurance information practices
20-2105Marketing and research surveys; disclosure of questions
20-2106Content of disclosure authorization forms
20-2107Investigative consumer reports
20-2108Access to recorded personal information
20-2109Correction, amendment or deletion of recorded personal information
20-2110Reasons for adverse underwriting decisions
20-2111Information concerning previous adverse underwriting decisions
20-2112Previous adverse underwriting decisions
20-2113Disclosure limitations and conditions
20-2113.01Consumer reporting agency; sale of information obtained by insurance inquiry prohibited; exceptions
20-2114Director; powers
20-2115Service of process; insurance support organizations
20-2116Cease and desist order and reports
20-2117Civil penalty
20-2118Individual remedies
20-2119Immunity
20-2120No limitation of common law right
20-2121Enforcement of privacy provisions of Gramm Leach Bliley act
20-2122Partial exemption for health insurers subject to HIPAA
Chapter 12JOINT UNDERWRITING ASSOCIATION
Article 1General Provisions
20-2201Voluntary plans; assessments; fund
20-2202Joint underwriting association; establishment
20-2203Powers of the joint underwriting association
20-2204Directors; election; appointment
20-2205Plan of operation; contents
20-2206Approval of plan of operation
20-2207Amendments to the plan of operation
20-2208Policies issued by the association; claimsmade basis
20-2209Claimsmade policy; cancellation
20-2210Occurrence riders; premiums; assessments
20-2211Rates; actuary
20-2212Deficits; equitable assessments; premium tax credits
20-2213Initial assessment; temporary contribution by members
20-2214Member participation in writings, expenses, servicing allowance, management fees and losses
20-2215Appeal by applicants to the association; order
20-2216Annual filing; contents
20-2217Annual examination by the director
20-2218Costs; charge to the association
20-2219Liability of the association
20-2220Prohibition from membership in Arizona guaranty fund
20-2221Dissolution
Chapter 13ACCOUNTABLE HEALTH PLANS
Article 1General Provisions
20-2301Definitions; late enrollee coverage
20-2302Scope of article
20-2303Approval as accountable health plan; definition
20-2304Availability of insurance; premium tax exemption
20-2307Eligibility; annual open enrollment period
20-2308Portability
20-2309Renewability
20-2310Discrimination prohibited; preexisting conditions
20-2311Premium rates and rating practices
20-2313Marketing practices
20-2318Mandatory coverage prohibited
20-2320Exchange of information
20-2321Maternity benefits; adoption; coverage
20-2322Mental health services and benefits; definitions
20-2323Disclosure of information
20-2324Bona fide associations; definition
20-2325Diabetes; equipment; supplies
20-2326Drugs; cancer treatment; definitions
20-2327Metabolic disorders; medical foods; definitions
20-2328Accountable health plans; clinical trials; cancer; definitions
20-2329Prescription contraceptive drugs and devices; definition
20-2330Participation in healthcare group
20-2331Accountable health plans; varying copayments and deductibles allowed
Chapter 14RISK RETENTION GROUPS
Article 1General Provisions
20-2401Definitions
20-2402Risk retention groups chartered and licensed in this state
20-2403Risk retention groups not chartered and licensed in this state
20-2404Compulsory associations
20-2405Countersignatures not required
20-2406Purchasing groups; exemption from certain laws relating to the group purchase of insurance
20-2407Notice and registration requirements of purchasing groups
20-2408Restrictions on insurance purchased by purchasing groups
20-2409Administrative and procedural authority regarding risk retention groups and purchasing groups
20-2410Penalties
20-2411Duty of insurance producer to obtain license
20-2412Binding effect of orders issued in United States district court
20-2413Rules
Chapter 15UTILIZATION REVIEW
Article 1General Provisions
20-2501Definitions; scope
20-2502Utilization review activities; exemptions
20-2503Utilization review standards; applicability; definition
20-2504Utilization review agents; certification; rules
20-2505Application for certification
20-2506Certification; responsibilities of department; cost recovery
20-2507Certificates; renewal
20-2508Denial, suspension or revocation of certificates; hearing; civil penalties
20-2509Confidentiality
20-2510Health care insurers requirements; medical directors
20-2511Violation; injunctive relief
Article 2Health Care Appeals
20-2530Definitions
20-2531Applicability; requirements
20-2532Utilization review standards and criteria; requirements
20-2533Denial; levels of review; disclosure; additional time after service by mail; review process
20-2534Expedited medical review; expedited appeal
20-2535Informal reconsideration
20-2536Formal appeal
20-2537External independent review; expedited external independent review
20-2538Independent review organizations
20-2539Rules
20-2540Health care appeals fund
20-2541Health care insurer fee
Chapter 16VARIABLE LIFE PRODUCTS
Article 1Variable Life Insurance
20-2601Definitions
20-2602Requirements applicable to insurers issuing variable life insurance
20-2603Reports
20-2604Variable life insurance policy and filing requirements
20-2605Reserve liabilities for variable life insurance
20-2606Separate accounts
20-2607Information to applicants
20-2608Variable life insurance policy application requirements
20-2609Policyholder reports
20-2610Foreign companies; compliance with laws of domiciliary state
Article 2Variable Annuities
20-2631Definitions
20-2632Qualifications to issue variable annuities
20-2633Separate account; annuities
20-2634Filing of contracts; approval
20-2635Variable annuity contracts
20-2636Nonforfeiture benefits; exceptions; definition
20-2637Reports
20-2638Foreign companies
Article 3Agent Qualifications
20-2661Scope of article; definition
20-2662Insurance producer qualifications; reports
Chapter 17ACCESS TO EMERGENCY HEALTH CARE
Article 1General Provisions
20-2801Definitions
20-2802Scope of chapter
20-2803Emergency services access; prior authorization; requirements
20-2804Utilization review; medically necessary emergency services
Chapter 18CONTINUING EDUCATION
Article 1General Provisions
20-2901Definitions
20-2902Continuing education requirements; nonresident license in another state; nonresident license in this state
20-2903Record keeping
20-2904Continuing education; contractor requirements; automatic approval
20-2905Continuing education review committee
Chapter 19CONTINUING EDUCATION-BAIL BOND AGENTS
Article 1General Provisions
Chapter 20TIMELY PAYMENT OF CLAIMS
Article 1General Provisions
20-3101Definitions
20-3102Timely payment of health care providers' claims; grievances
Chapter 21HEALTH CARE INSURER LIABILITY
Article 1General Provisions
20-3151Definitions
20-3152Exemptions; waiver
20-3153Health care insurer liability
20-3154Health care appeals; admissibility
20-3155Notice of intent to file suit

Richard Keyt is a business, transactions, contracts, real estate, estate planning and internet law attorney licensed to practice law in Arizona.  He has provided legal services to businesses and people in Arizona since 1980.  Formerly a partner at one of the largest law firms in Arizona, Rick now provides big firm quality legal services at small firm rates.  Rick can be reached by telephone at 602-906-4953, ext. 3, email at  rickkeyt@keytlaw.com and fax at 602-297-6890.  Rick's Arizona law, internet, e-commerce and domain name law web site is KEYTLaw, located at www.keytlaw.com.  Communicating with Richard Keyt via email or otherwise does not cause you to become a client or cause your communications to be confidential or subject to the attorney client privilege.

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