Chapter 31.13.01 - Standards for Credit Life and Credit Health Insurance

  1. § 31.13.01.01 - Purpose
  2. § 31.13.01.02 - Regulation of Commissions
  3. § 31.13.01.03 - Applicability
  4. § 31.13.01.04 - Definitions
  5. § 31.13.01.05 - Loss Ratio
  6. § 31.13.01.06 - Statistics and Reporting Forms
  7. § 31.13.01.07 - Rate Changes and Creditor-Paid Insurance
  8. § 31.13.01.08 - Premium Rates by Case Method
  9. § 31.13.01.09 - General Premium Rate Standards and Increased Rates
  10. § 31.13.01.10 - Prima Facie Premium Rates for Credit Life Insurance
  11. § 31.13.01.11 - Prima Facie Premium Rates-Credit Life Insurance-Net Payoff Balance Method
  12. § 31.13.01.12 - Repealed
  13. § 31.13.01.13 - Underwriting Requirements for Credit Life Prima Facie Premium Rates
  14. § 31.13.01.14 - Disability Benefit Provisions
  15. § 31.13.01.15 - Prima Facie Premium Rates for Credit Health Insurance
  16. § 31.13.01.16 - Repealed
  17. § 31.13.01.17 - Underwriting Requirements for Credit Health Prima Facie Premium Rates
  18. § 31.13.01.18 - Guidelines for Increased Rates
  19. § 31.13.01.19 - Refunds
  20. § 31.13.01.20 - Commission to Agents and Creditors
  21. § 31.13.01.21 - Reinsurance Treaties
  22. § 31.13.01.22 - Prohibited Transactions
  23. § 31.13.01.23 - Combinations of Coverages
  24. § 31.13.01.24 - Notice to Debtors
  25. § 31.13.01.25 - Benefits
  26. § 31.13.01.26 - Review of Credit Operations
  27. § 31.13.01.27 - Effective Date
  28. § 31.13.01.28 - Clerical Errors
  29. § 31.13.01.29 - Change of Insurers - Reporting Requirements - Coverage and Rates

Notes

Effective date: January 1, 1978 (4:25 Md. R. 1940)
Chapter revised at 7:11 Md. R. 1035
Regulations .04 and .21 amended as an emergency provision effective September 1, 1980 (7:14 Md. R. 1345); adopted permanently effective December 30, 1980 (7:24 Md. R. 2256)
Regulations .13 and .17 amended effective January 28, 1985 (12:2 Md. R. 139)
Regulation .13 amended effective August 8, 1988 (15:16 Md. R. 1914)
Regulation .15 amended effective August 8, 1988 (15:16 Md. R. 1914)
Regulation .24D adopted effective August 8, 1988 (15:16 Md. R. 1914)
Regulation .27 amended as an emergency provision effective June 24, 1980 (7:14 Md. R. 1345); adopted permanently effective December 30, 1980 (7:24 Md. R. 2256) This amendment changed the effective date given in the Notice of Final Adoption (see 7:11 Md. R. 1035) from July 1, 1980 to September 1, 1980
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Annotation: Regulations .04F(14), .20, and .21, concerning the regulation of maximum commissions, held valid and within the legislative grant of authority to the Insurance Commissioner. Agency quasi-legislative actions are not limited by a recorded administrative record. These regulations and their enabling statute do not violate the Contract Clause of the U.S. Constitution. Automobile Trade Association v. Insurance Commissioner, 292 Md. 15, 437 A. 2d 199 (1981).
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Chapter recodified from COMAR 09.30.51 to COMAR 31.13.01, July 1998
Regulation .04B amended effective May 15, 2000 (27:9 Md. R. 860)
Regulation .06A amended effective May 15, 2000 (27:9 Md. R. 860)
Regulation .08A, B repealed effective May 15, 2000 (27:9 Md. R. 860)
Regulation .29 adopted effective May 15, 2000 (27:9 Md. R. 860)
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Chapter revised effective March 1, 2001 (27:22 Md. R. 2062)
Regulation .04B amended effective October 12, 2015 (42:20 Md. R. 1266); November 7, 2016 (43:22 Md. R. 1223)
Regulation .09A amended effective October 12, 2015 (42:20 Md. R. 1266)
Regulation .13 amended effective October 12, 2015 (42:20 Md. R. 1266)
Regulation .15A, E amended effective June 1, 2016 (43:5 Md. R. 387)
Regulation .17 amended effective October 12, 2015 (42:20 Md. R. 1266)
Regulation .21A amended effective November 7, 2016 (43:22 Md. R. 1223)
Regulation .22 amended effective February 27, 2017 (44:4 Md. R. 256)

Authority: Commercial Law Article, § 12-312 and Title 12, Subtitle 3; Insurance Article, §§ 2-109, 13-110, 13-111, and 13-112; Annotated Code of Maryland

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