Chapter 15 - UNFAIR TRADE PRACTICES
- Rule 191-15.1 - Purpose
- Rule 191-15.2 - Definitions
- Rule 191-15.3 - Advertising
- Rule 191-15.4 - Life insurance cost and benefit disclosure requirements
- Rule 191-15.5 - Health insurance sales to individuals 65 years of age or older
- Rule 191-15.6 - Reserved
- Rule 191-15.7 - Twisting prohibited
- Rule 191-15.8 - Producer responsibilities
- Rule 191-15.9 - Right to return a life insurance policy or annuity (free look)
- Rule 191-15.10 - Uninsured/underinsured automobile coverage-notice required
- Rule 191-15.11 - Unfair discrimination
- Rule 191-15.12 - Testing restrictions of insurance applications for the human immunodeficiency virus
- Rule 191-15.13 - Records maintenance
- Rule 191-15.14 - Enforcement section-cease and desist and penalty orders
- Rule 191-15.15 - Reserved
- Rule 191-15.16 - Reserved
- Rule 191-15.17 - Reserved
- Rule 191-15.18 - Reserved
- Rule 191-15.19 - Reserved
- Rule 191-15.20 - Reserved
- Rule 191-15.21 - Reserved
- Rule 191-15.22 - Reserved
- Rule 191-15.23 - Reserved
- Rule 191-15.24 - Reserved
- Rule 191-15.25 - Reserved
- Rule 191-15.26 - Reserved
- Rule 191-15.27 - Reserved
- Rule 191-15.28 - Reserved
- Rule 191-15.29 - Reserved
- Rule 191-15.30 - Reserved
- Rule 191-15.31 - General claims settlement guidelines
- Rule 191-15.32 - Prompt payment of certain health claims
- Rule 191-15.33 - Audit procedures for medical claims
- Rule 191-15.34 - Reserved
- Rule 191-15.35 - Reserved
- Rule 191-15.36 - Reserved
- Rule 191-15.37 - Reserved
- Rule 191-15.38 - Reserved
- Rule 191-15.39 - Reserved
- Rule 191-15.40 - Reserved
- Rule 191-15.41 - Claims settlement guidelines for property and casualty insurance
- Rule 191-15.42 - Acknowledgment of communications by property and casualty insurers
- Rule 191-15.43 - Standards for settlement of automobile insurance claims
- Rule 191-15.44 - Standards for determining replacement cost and actual cost values
- Rule 191-15.45 - Guidelines for use of aftermarket crash parts in motor vehicles
- Rule 191-15.46 - Reserved
- Rule 191-15.47 - Reserved
- Rule 191-15.48 - Reserved
- Rule 191-15.49 - Reserved
- Rule 191-15.50 - Reserved
- Rule 191-15.51 - Purpose
- Rule 191-15.52 - Definition
- Rule 191-15.53 - Exemptions
- Rule 191-15.54 - Disclosure requirements
- Rule 191-15.55 - Insurer duties
- Rule 191-15.56 - Reserved
- Rule 191-15.57 - Reserved
- Rule 191-15.58 - Reserved
- Rule 191-15.59 - Reserved
- Rule 191-15.60 - Reserved
- Rule 191-15.61 - Purpose
- Rule 191-15.62 - Applicability and scope
- Rule 191-15.63 - Definitions
- Rule 191-15.64 - Standards for the disclosure document and Buyer's Guide
- Rule 191-15.65 - Content of disclosure documents
- Rule 191-15.66 - Standards for annuity illustrations
- Rule 191-15.67 - Report to contract owners
- Rule 191-15.68 - Penalties
- Rule 191-15.69 - Severability
- Rule 191-15.70 - Reserved
- Rule 191-15.71 - Reserved
- Rule 191-15.72 - Purpose
- Rule 191-15.73 - Applicability and scope
- Rule 191-15.74 - Definitions
- Rule 191-15.75 - Duties of insurers and producers
- Rule 191-15.76 - Producer training
- Rule 191-15.77 - Compliance; mitigation; penalties; enforcement
- Rule 191-15.78 - Recordkeeping
- Rule 191-15.79 - Reserved
- Rule 191-15.80 - Purpose
- Rule 191-15.81 - Definitions
- Rule 191-15.82 - Special training required
- Rule 191-15.83 - Conduct of training course
- Rule 191-15.84 - Insurer duties
- Rule 191-15.85 - Verification of training
- Rule 191-15.86 - Penalties
- Rule 191-15.87 - Compliance date
State regulations are updated quarterly; we currently have two versions available. Below is a comparison between our most recent version and the prior quarterly release. More comparison features will be added as we have more versions to compare.
- Rule 191-15.1 - [Effective until 4/24/2024] Purpose
- Rule 191-15.1 - [Effective 4/24/2024] Purpose, version 2
- Rule 191-15.2 - [Effective until 4/24/2024] Definitions
- Rule 191-15.2 - [Effective 4/24/2024] Definitions, version 2
- Rule 191-15.3 - [Effective until 4/24/2024] Advertising
- Rule 191-15.3 - [Effective 4/24/2024] Advertising, version 2
- Rule 191-15.4 - [Effective until 4/24/2024] Life insurance cost and benefit disclosure requirements
- Rule 191-15.4 - [Effective 4/24/2024] Life insurance cost and benefit disclosure requirements, version 2
- Rule 191-15.5 - [Effective until 4/24/2024] Health insurance sales to individuals 65 years of age or older
- Rule 191-15.5 - [Effective 4/24/2024] Health insurance sales to individuals 65 years of age or older, version 2
- Rule 191-15.6 - [Effective until 4/24/2024]
- Rule 191-15.6 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.7 - [Effective until 4/24/2024] Twisting prohibited
- Rule 191-15.7 - [Effective 4/24/2024] Twisting prohibited, version 2
- Rule 191-15.8 - [Effective until 4/24/2024] Producer responsibilities
- Rule 191-15.8 - [Effective 4/24/2024] Producer responsibilities, version 2
- Rule 191-15.9 - [Effective until 4/24/2024] Right to return a life insurance policy or annuity (free look)
- Rule 191-15.9 - [Effective 4/24/2024] Right to return a life insurance policy or annuity (free look), version 2
- Rule 191-15.10 - [Effective until 4/24/2024] Uninsured/underinsured automobile coverage-notice required
- Rule 191-15.10 - [Effective 4/24/2024] Uninsured/underinsured automobile coverage-notice required, version 2
- Rule 191-15.11 - [Effective until 4/24/2024] Unfair discrimination
- Rule 191-15.11 - [Effective 4/24/2024] Unfair discrimination, version 2
- Rule 191-15.12 - [Effective until 4/24/2024] Testing restrictions of insurance applications for the human immunodeficiency virus
- Rule 191-15.12 - [Effective 4/24/2024] Testing restrictions of insurance applications for the human immunodeficiency virus, version 2
- Rule 191-15.13 - [Effective until 4/24/2024] Records maintenance
- Rule 191-15.13 - [Effective 4/24/2024] Records maintenance, version 2
- Rule 191-15.14 - [Effective until 4/24/2024] Enforcement section-cease and desist and penalty orders
- Rule 191-15.14 - [Effective 4/24/2024] Enforcement section-cease and desist and penalty orders, version 2
- Rule 191-15.15 - [Effective until 4/24/2024] Reserved
- Rule 191-15.15 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.16 - [Effective until 4/24/2024] Reserved
- Rule 191-15.16 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.17 - [Effective until 4/24/2024] Reserved
- Rule 191-15.17 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.18 - [Effective until 4/24/2024] Reserved
- Rule 191-15.18 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.19 - [Effective until 4/24/2024] Reserved
- Rule 191-15.19 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.20 - [Effective until 4/24/2024] Reserved
- Rule 191-15.20 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.21 - [Effective until 4/24/2024] Reserved
- Rule 191-15.21 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.22 - [Effective until 4/24/2024] Reserved
- Rule 191-15.22 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.23 - [Effective until 4/24/2024] Reserved
- Rule 191-15.23 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.24 - [Effective until 4/24/2024] Reserved
- Rule 191-15.24 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.25 - [Effective until 4/24/2024] Reserved
- Rule 191-15.25 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.26 - [Effective until 4/24/2024] Reserved
- Rule 191-15.26 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.27 - [Effective until 4/24/2024] Reserved
- Rule 191-15.27 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.28 - [Effective until 4/24/2024] Reserved
- Rule 191-15.28 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.29 - [Effective until 4/24/2024] Reserved
- Rule 191-15.29 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.30 - [Effective until 4/24/2024] Reserved
- Rule 191-15.30 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.31 - [Effective until 4/24/2024] General claims settlement guidelines
- Rule 191-15.31 - [Effective 4/24/2024] General claims settlement guidelines, version 2
- Rule 191-15.32 - [Effective until 4/24/2024] Prompt payment of certain health claims
- Rule 191-15.32 - [Effective 4/24/2024] Prompt payment of certain health claims, version 2
- Rule 191-15.33 - [Effective until 4/24/2024] Audit procedures for medical claims
- Rule 191-15.33 - [Effective 4/24/2024] Audit procedures for medical claims, version 2
- Rule 191-15.34 - [Effective until 4/24/2024] Reserved
- Rule 191-15.34 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.35 - [Effective until 4/24/2024] Reserved
- Rule 191-15.35 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.36 - [Effective until 4/24/2024] Reserved
- Rule 191-15.36 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.37 - [Effective until 4/24/2024] Reserved
- Rule 191-15.37 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.38 - [Effective until 4/24/2024] Reserved
- Rule 191-15.38 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.39 - [Effective until 4/24/2024] Reserved
- Rule 191-15.39 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.40 - [Effective until 4/24/2024] Reserved
- Rule 191-15.40 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.41 - [Effective until 4/24/2024] Claims settlement guidelines for property and casualty insurance
- Rule 191-15.41 - [Effective 4/24/2024] Claims settlement guidelines for property and casualty insurance, version 2
- Rule 191-15.42 - [Effective until 4/24/2024] Acknowledgment of communications by property and casualty insurers
- Rule 191-15.42 - [Effective 4/24/2024] Acknowledgment of communications by property and casualty insurers, version 2
- Rule 191-15.43 - [Effective until 4/24/2024] Standards for settlement of automobile insurance claims
- Rule 191-15.43 - [Effective 4/24/2024] Standards for settlement of automobile insurance claims, version 2
- Rule 191-15.44 - [Effective until 4/24/2024] Standards for determining replacement cost and actual cost values
- Rule 191-15.44 - [Effective 4/24/2024] Standards for determining replacement cost and actual cost values, version 2
- Rule 191-15.45 - [Effective until 4/24/2024] Guidelines for use of aftermarket crash parts in motor vehicles
- Rule 191-15.45 - [Effective 4/24/2024] Guidelines for use of aftermarket crash parts in motor vehicles, version 2
- Rule 191-15.46 - [Effective until 4/24/2024] Reserved
- Rule 191-15.46 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.47 - [Effective until 4/24/2024] Reserved
- Rule 191-15.47 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.48 - [Effective until 4/24/2024] Reserved
- Rule 191-15.48 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.49 - [Effective until 4/24/2024] Reserved
- Rule 191-15.49 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.50 - [Effective until 4/24/2024] Reserved
- Rule 191-15.50 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.51 - [Effective until 4/24/2024] Purpose
- Rule 191-15.51 - [Effective 4/24/2024] Purpose, version 2
- Rule 191-15.52 - [Effective until 4/24/2024] Definition
- Rule 191-15.52 - [Effective 4/24/2024] Definition, version 2
- Rule 191-15.53 - [Effective until 4/24/2024] Exemptions
- Rule 191-15.53 - [Effective 4/24/2024] Exemptions, version 2
- Rule 191-15.54 - [Effective until 4/24/2024] Disclosure requirements
- Rule 191-15.54 - [Effective 4/24/2024] Disclosure requirements, version 2
- Rule 191-15.55 - [Effective until 4/24/2024] Insurer duties
- Rule 191-15.55 - [Effective 4/24/2024] Insurer duties, version 2
- Rule 191-15.56 - [Effective until 4/24/2024] Reserved
- Rule 191-15.56 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.57 - [Effective until 4/24/2024] Reserved
- Rule 191-15.57 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.58 - [Effective until 4/24/2024] Reserved
- Rule 191-15.58 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.59 - [Effective until 4/24/2024] Reserved
- Rule 191-15.59 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.60 - [Effective until 4/24/2024] Reserved
- Rule 191-15.60 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.61 - [Effective until 4/24/2024] Purpose
- Rule 191-15.61 - [Effective 4/24/2024] Purpose, version 2
- Rule 191-15.62 - [Effective until 4/24/2024] Applicability and scope
- Rule 191-15.62 - [Effective 4/24/2024] Applicability and scope, version 2
- Rule 191-15.63 - [Effective until 4/24/2024] Definitions
- Rule 191-15.63 - [Effective 4/24/2024] Definitions, version 2
- Rule 191-15.64 - [Effective until 4/24/2024] Standards for the disclosure document and Buyer's Guide
- Rule 191-15.64 - [Effective 4/24/2024] Standards for the disclosure document and Buyer's Guide, version 2
- Rule 191-15.65 - [Effective until 4/24/2024] Content of disclosure documents
- Rule 191-15.65 - [Effective 4/24/2024] Content of disclosure documents, version 2
- Rule 191-15.66 - [Effective until 4/24/2024] Standards for annuity illustrations
- Rule 191-15.66 - [Effective 4/24/2024] Standards for annuity illustrations, version 2
- Rule 191-15.67 - [Effective until 4/24/2024] Report to contract owners
- Rule 191-15.67 - [Effective 4/24/2024] Report to contract owners, version 2
- Rule 191-15.68 - [Effective until 4/24/2024] Penalties
- Rule 191-15.68 - [Effective 4/24/2024] Penalties, version 2
- Rule 191-15.69 - [Effective until 4/24/2024] Severability
- Rule 191-15.69 - [Effective 4/24/2024] Severability, version 2
- Rule 191-15.70 - [Effective until 4/24/2024] Reserved
- Rule 191-15.70 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.71 - [Effective until 4/24/2024] Reserved
- Rule 191-15.71 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.72 - [Effective until 4/24/2024] Purpose
- Rule 191-15.72 - [Effective 4/24/2024] Purpose, version 2
- Rule 191-15.73 - [Effective until 4/24/2024] Applicability and scope
- Rule 191-15.73 - [Effective 4/24/2024] Applicability and scope, version 2
- Rule 191-15.74 - [Effective until 4/24/2024] Definitions
- Rule 191-15.74 - [Effective 4/24/2024] Definitions, version 2
- Rule 191-15.75 - [Effective until 4/24/2024] Duties of insurers and producers
- Rule 191-15.75 - [Effective 4/24/2024] Duties of insurers and producers, version 2
- Rule 191-15.76 - [Effective until 4/24/2024] Producer training
- Rule 191-15.76 - [Effective 4/24/2024] Producer training, version 2
- Rule 191-15.77 - [Effective until 4/24/2024] Compliance; mitigation; penalties; enforcement
- Rule 191-15.77 - [Effective 4/24/2024] Compliance; mitigation; penalties; enforcement, version 2
- Rule 191-15.78 - [Effective until 4/24/2024] Record keeping
- Rule 191-15.78 - [Effective 4/24/2024] Recordkeeping, version 2
- Rule 191-15.79 - [Effective until 4/24/2024] Reserved
- Rule 191-15.79 - [Effective 4/24/2024] Reserved, version 2
- Rule 191-15.80 - [Effective until 4/24/2024] Purpose
- Rule 191-15.80 - [Effective 4/24/2024] Purpose, version 2
- Rule 191-15.81 - [Effective until 4/24/2024] Definitions
- Rule 191-15.81 - [Effective 4/24/2024] Definitions, version 2
- Rule 191-15.82 - [Effective until 4/24/2024] Special training required
- Rule 191-15.82 - [Effective 4/24/2024] Special training required, version 2
- Rule 191-15.83 - [Effective until 4/24/2024] Conduct of training course
- Rule 191-15.83 - [Effective 4/24/2024] Conduct of training course, version 2
- Rule 191-15.84 - [Effective until 4/24/2024] Insurer duties
- Rule 191-15.84 - [Effective 4/24/2024] Insurer duties, version 2
- Rule 191-15.85 - [Effective until 4/24/2024] Verification of training
- Rule 191-15.85 - [Effective 4/24/2024] Verification of training, version 2
- Rule 191-15.86 - [Effective until 4/24/2024] Penalties
- Rule 191-15.86 - [Effective 4/24/2024] Penalties, version 2
- Rule 191-15.87 - [Effective until 4/24/2024] Compliance date
- Rule 191-15.87 - [Effective 4/24/2024] Compliance date, version 2