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3!'j   _'j'jh6_HB14071"Filed04/24/2003,14:23 L D D 98@7 @dd8@ 'q p'7  CONFERENCECOMMITTEEREPORT   @!DIGESTFOREHB1407'7 p'q  D D B  ԍFryRipleyPaulLewisC  CitationsAffected: 4X WE  5  IC4-1-8-163WEG  7 r;4Z -WE  5  IC9-25-5-56WE  7 {;4\ WE  5  IC12-17.6-4-56WE  7 ;4^ nWE  5  IC16-21-2-1669WEM  7 qx;4` WE  5  IC16-25-3-116WE  7 &; L 4b WE  5  IC16-27-1-176WE  7 ;4d n WE  5  IC16-28-2-106WWEk  7 ;4f WE  5  IC22-2-2-36WE  7 D;4h WE  5  IC22-3-3-136WE  7 ;4j IWE  5  IC22-4-8-36^WEr  7 ;4l 8WE  5  IC24-4.5-6-2016 WE   7 I ;4n WE  5  IC25-1-9-196 WE   7 ;IC27-1;4p WE  5  IC27-2-17-36p WE   7  ;4r WE  5  IC27-2-17-66 WE1   7 \ ;4t AWE  5  IC27-4-1-26 WE   7  ;4v %WE  5  IC27-4-1-46v WE   7  ;4x WE  5  IC27-4-36" WE6   7 a ;4z WE  5  IC27-5-4-26 WE   7  ;4| g WE  5  IC27-6-9-56xWE  7 ;IC27-7;IC27-8;IC27-9;4~ WWE  5  IC27-10-3-16?WES  7 ~;4 LWE  5  IC27-10-3-36WE  7 +;4 @WE  5  IC27-11-8-96WE  7 ;IC27-13;4 WE  5  IC28-1-11-26PWEd  7 ;4 nWE  5  IC28-1-11-2.56WE  7 <;4 YWE  5  IC28-5-1-6.56WE  7 [;4 WE  5  IC28-6.1-6-146ZWEn  7 F;4 WE  5  IC28-7-1-9.16 WE  7 H;4 WE  5  IC28-14-3-106WE  7 ;4 ( WE  5  IC28-14-3-116eWEy  7 &;4 WE  5  IC34-18-5-36WE'  7 (R;4 WE  5  IC35-43-9-4.6WE  7 V Synopsis: Insurancematters.Replacesreferencestoinsuranceagentsandlimitedinsurance X  representativeswithinsuranceproducer.ProvidesthatincertaincircumstancesalifeinsurancecompanymayissueorissuefordeliveryinIndianafundingagreements.Allowstheinsurancecommissionertowaiverequirementsrelatedtoaccidentandsicknessinsurerandhealthmaintenanceorganizationprocessingofpaperclaimsundercertaincircumstances.Providesthatanaccidentandsicknessinsurerorahealthmaintenanceorganizationthatdoesnotresolveanappealwithinthestatutorytimeframecommitsanunfairanddeceptiveactorpracticeinthebusinessofinsurance.Requiresquarterlyreportingregardingresolutionofgrievanceappeals.Specifiescertainrequirementsforhealthcareprovidersconcerningnoticetopatientsofthirdpartybillings. (Thisconferencecommitteereportprovidesthatanaccidentandsickness #p& insurerorahealthmaintenanceorganizationthatdoesnotresolveanappealwithinthestatutorytimeframecommitsanunfairanddeceptiveactorpracticeinthebusinessofinsurance.Requiresquarterlyreportingregardingresolutionofgrievanceappeals.Specifiescertainrequirementsforhealthcareprovidersconcerningnoticetopatientsofthirdpartybillings.)  '#+  Effective: Uponpassage;___July_Ԁ1,2003;January1,2004. r)&%- ''7   F*%. _B8@7 @d@d8  ?CEM=9x< X p @ PddddE beeF <z L    ! !G  ! !   @CONFERENCECOMMITTEEREPORT    B.lS : !  XB'q p'Iqφpp'q MR.SPEAKER: 4   i YourConferenceCommitteeappointedtoconferwithalikecommitteefromtheSenateuponEngrossedSenateAmendmentstoEngrossedHouseBillNo.1407respectfullyreportsthatsaidtwocommitteeshaveconferredandagreedasfollowstowit:` ` I&8 pIqφ@7  I&80  thattheHouserecedefromitsdissentfromallSenateamendmentsandthat < theHousenowconcurinallSenateamendmentstothebillandthatthebillbefurtheramendedasfollows:  x x D ` D ` \! D  !=@7 @4dd= Deleteeverythingaftertheenactingclauseandinsert:Nv  SECTION1.4$VWE  5  IC4-1-8-16M#WEa#@  7V#,ASAMENDEDBYHEA1935-2003,SECTION2,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.1.(a)Noindividualmaybecompelledbyanystateagency,board,commission,department,bureau,orotherentityofstategovernment(referredtoas"stateagency"inthischapter)toprovidetheindividual'sSocialSecuritynumbertothestateagencyagainsttheindividual'swill,absentfederalrequirementstothecontrary.However,theprovisionsofthischapterdonotapplytothefollowing:0 0m  (1)Departmentofstaterevenue. m m  0 0m  (2)Departmentofworkforcedevelopment. m m  0 0m  (3)Theprogramsadministeredby: m m  0 0m  0 m m (A)thedivisionoffamilyandchildren;    0 0m  0 m m (B)thedivisionofmentalhealthandaddiction;    0 0m  0 m m (C)thedivisionofdisability,aging,andrehabilitativeservices;and    0 0m  0 m m (D)theofficeofMedicaidpolicyandplanning;    0 0m  oftheofficeofthesecretaryoffamilyandsocialservices.#,.+.m m H #G G6 G  0 0m  (4)Auditorofstate. m m  0 0m  (5)Statepersonneldepartment. m m  0 0m  (6)Secretaryofstate,withrespecttotheregistrationofbroker-dealers,agents,andinvestmentadvisors. m m  0 0m  (7)Thelegislativeethicscommission,withrespecttotheregistrationoflobbyists. m m  0 0m  (8)Indianadepartmentofadministration,withrespecttobiddersoncontracts. m m  0 0m  (9)Indianadepartmentoftransportation,withrespecttobiddersoncontracts. m m  0 0m  (10)Healthprofessionsbureau. m m  0 0m  (11)Indianaprofessionallicensingagency. m m  0 0m  (12)Indianadepartmentofinsurance,withrespecttolicensingofinsurance agents. producers. F m m  0 0m  (13)Apensionfundadministeredbytheboardoftrusteesofthepublicemployees'retirementfund. m m  0 0m  (14)TheIndianastateteachers'retirementfund. m m  0 0m  (15)Thestatepolicebenefitsystem. m m   (b)Thebureauofmotorvehiclesmay,notwithstandingthischapter,requirethefollowing:0 0m  (1)Thatanindividualincludetheindividual'sSocialSecuritynumberinanapplicationforanofficialcertificateoftitleforanyvehiclerequiredtobetitledunderIC9-17. m m  0 0m  (2)Thatanindividualincludetheindividual'sSocialSecuritynumberonanapplicationforregistration. m m  0 0m  (3)Thatacorporation,limitedliabilitycompany,firm,partnership,orotherbusinessentityincludeitsfederaltaxidentificationnumberonanapplicationforregistration. m m   (c)TheIndianadepartmentofadministration,theIndianadepartmentoftransportation,thehealthprofessionsbureau,andtheIndianaprofessionallicensingagencymayrequireanemployertoprovideitsfederalemployeridentificationnumber. (d)Thedepartmentofcorrectionmayrequireacommittedoffendertoprovidetheoffender'sSocialSecuritynumberforpurposesofmatchingdatawiththeSocialSecurityAdministrationtodeterminebenefiteligibility. (e)TheIndianagamingcommissionmay,notwithstandingthischapter,requirethefollowing:0 0m  (1)Thatanindividualincludetheindividual'sSocialSecuritynumberinanyapplicationforariverboatowner'slicense,supplier'slicense,oroccupationallicense. m m  0 0m  (2)Thatasoleproprietorship,apartnership,anassociation,afiduciary,acorporation,alimitedliabilitycompany,oranyotherbusinessentityincludeitsfederaltaxidentificationnumberonanapplicationforariverboatowner'slicenseorsupplier'slicense. m m   (f)Notwithstandingthischapter,theprofessionalstandardsboardestablishedby4&VWE  5  IC20-1-1.4-267WE7@  7VB7Ԁmayrequireanindividualwhoappliestotheboardforalicenseoranendorsementtoprovidetheindividual'sSocialSecuritynumber.TheSocialSecuritynumbermaybeusedbytheboardonlyforconductingabackgroundinvestigation,iftheboardisauthorizedbystatutetoconductabackgroundinvestigationofan .^+2 individualforissuanceofthelicenseorendorsement.Pv  SECTION2.4(VWE  5  IC9-25-5-56f9WEz9@  7V9ԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.5.(a)Apersonwhoreceivesarequestforevidenceoffinancialresponsibilityundersection3ofthischaptershallsetforthinthecertificateofcompliancethefollowinginformationconcerningtheformoffinancialresponsibilitythatwasineffectwithrespecttothemotorvehicleonthedateinquestion:0 0m  (1)Ifamotorvehicleliabilitypolicywasineffect,thefollowing: m m  0 0m  0 m m (A)Thenameandaddressoftheinsurer.    0 0m  0 m m (B)Thelimitsofcoverageofthepolicy.    0 0m  0 m m (C)Theidentificationnumberapplyingtothepolicy.    0 0m  (2)Ifabondwasineffect,thefollowing: m m  0 0m  0 m m (A)Thenameandaddressofthebondcompanyorsurety.    0 0m  0 m m (B)Thefaceamountofthebond.    0 0m  (3)Ifself-insurancewasineffectunder4*VWE  5  IC9-25-4-116?WE?@  7VB?,thefollowing: m m  0 0m  0 m m (A)Thedateonwhichthecertificateofself-insurancewasissuedbythebureau.    0 0m  0 m m (B)Thenameofthepersontowhomthecertificateofself-insurancewasissued.     (b)Apersonwhorequestsinformationorverificationofcoveragetocompleteacertificateofcomplianceundersubsection(a)from:0 0m  (1)aninsurancecompany;or m m  0 0m  (2)aninsurance agent; producer; lm m  isnotrequiredtogivethecompanyorthe agent producer areasonfor L requestingtheinformationunlessthepersonhasbeeninvolvedinanaccident.Rv  SECTION3.4,bonWE  5  IC12-17.6-4-56@CWETCdwa  7bonC,ASADDEDBYP.L.273-1999,SECTION177,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.5.(a)Itisaviolationof4.bonWE  5  IC27-4-1-46oDWEDdwa  7bonDifaninsurer,oraninsurance agent producer orinsurancebroker $ compensatedbytheinsurer,knowinglyorintentionallyrefersaninsuredorthedependentofaninsuredtotheprogramforhealthinsurancecoveragewhentheinsuredalreadyreceiveshealthinsurancecoveragethroughanemployer'shealthcareplanthatisunderwrittenbytheinsurer. (b)Theofficeshallcoordinatewiththechildren'shealthpolicyboardunder40bonWE  5  IC4-23-276FWEGdwa  7bon2GԀtoevaluatetheneedformechanismsthatminimizetheincentiveforanemployertoeliminateorreducehealthcarecoverageforanemployee'sdependents.Tv  SECTION4.42bonWE  5  IC16-21-2-166eHWEyHdwa  7bonHԀISADDEDTOTHEINDIANACODEASA NEW SECTIONTOREADASFOLLOWS[EFFECTIVE ')2 JANUARY1,2004]: Sec.16.Ahospitaloranambulatory '*3 outpatientsurgicalcenterthatprovidestoapatientnoticeconcerningathirdpartybillingforaserviceprovidedtothepatientshallensurethatthenotice:0 0m  (1)conspicuouslystatesthatthenoticeisnotabill; m m  0 0m  (2)doesnotincludeatear-offportion;and m m  0 0m  (3)isnotaccompaniedbyareturnmailingenvelope. -/9m m  [v  SECTION5.44bonWE  5  IC16-25-3-116KWEKdwa  7bonLԀISADDEDTOTHEINDIANACODEASA NEW SECTIONTOREADASFOLLOWS[EFFECTIVE .z3> JANUARY1,2004]: Sec.11.Ahospicethatprovidestoahospice z programpatientnoticeconcerningathirdpartybillingforahospiceserviceprovidedtothehospiceprogrampatientshallensurethatthenotice:0 0m  (1)conspicuouslystatesthatthenoticeisnotabill; m m  0 0m  (2)doesnotincludeatear-offportion;and m m  0 0m  (3)isnotaccompaniedbyareturnmailingenvelope. ,m m  ]v  SECTION6.46bonWE  5  IC16-27-1-176POWEdOdwa  7bonOԀISADDEDTOTHEINDIANACODEASA NEW SECTIONTOREADASFOLLOWS[EFFECTIVE `   JANUARY1,2004]: Sec.17.Ahomehealthagencythatprovides @  toapatientnoticeconcerningathirdpartybillingforahomehealthserviceprovidedtothepatientshallensurethatthenotice:0 0m  (1)conspicuouslystatesthatthenoticeisnotabill; m m  0 0m  (2)doesnotincludeatear-offportion;and m m  0 0m  (3)isnotaccompaniedbyareturnmailingenvelope. m m  _v  SECTION7.48bonWE  5  IC16-28-2-106RWERdwa  7bonRԀISADDEDTOTHEINDIANACODEASA NEW SECTIONTOREADASFOLLOWS[EFFECTIVE J JANUARY1,2004]: Sec.10.Ahealthfacilitythatprovidestoa * patientnoticeconcerningathirdpartybillingforaserviceprovidedtothepatientshallensurethatthenotice:0 0m  (1)conspicuouslystatesthatthenoticeisnotabill; m m  0 0m  (2)doesnotincludeatear-offportion;and m m  0 0m  (3)isnotaccompaniedbyareturnmailingenvelope. zm m  av  SECTION8.4:bonWE  5  IC22-2-2-36VWEVdwa  7bonDVԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.3.Asusedinthischapter: "Commissioner"meansthecommissioneroflabororthecommissioner'sauthorizedrepresentative. "Department"meansthedepartmentoflabor. "Occupation"meansanindustry,trade,business,orclassofworkinwhichemployeesaregainfullyemployed. "Employer"meansanyindividual,partnership,association,limitedliabilitycompany,corporation,businesstrust,thestate,orothergovernmentalagencyorpoliticalsubdivisionduringanyworkweekinwhichtheyhavetwo(2)ormoreemployees.However,itshallnotincludeanyemployerwhoissubjecttotheminimumwageprovisionsofthefederalFairLaborStandardsActof1938,asamended(29U.S.C.201-209). "Employee"meansanypersonemployedorpermittedtoworkorperformanyserviceforremunerationorunderanycontractofhire,writtenororal,expressorimpliedbyanemployerinanyoccupation,butshallnotincludeanyofthefollowing:0 0m  (a)Personslessthansixteen(16)yearsofage. m m  0 0m  (b)Personsengagedinanindependentlyestablishedtrade,occupation,profession,orbusinesswho,inperformingtheservicesinquestion,arefreefromcontrolordirectionbothunderacontractofserviceandinfact. m m  0 0m  (c)Personsperformingservicesnotinthecourseoftheemployingunit'stradeorbusiness. m m  0 0m  (d)Personsemployedonacommissionbasis. m m  0 0m  (e)Personsemployedbytheirownparent,spouse,orchild. m m  0 0m  (f)Membersofanyreligiousorderperforminganyserviceforthat .^1; order,anyordained,commissioned,orlicensedminister,priest,rabbi,sexton,orChristianSciencereader,andvolunteersperformingservicesforanyreligiousorcharitableorganization. m m  0 0m  (g)Personsperformingservicesasstudentnursesintheemployofahospitalornursestrainingschoolwhileenrolledandregularlyattendingclassesinanursestrainingschoolcharteredorapprovedunderlaw,orstudentsperformingservicesintheemployofpersonslicensedasbothfuneraldirectorsandembalmersasapartoftheirrequirementsforapprenticeshiptosecureanembalmer'slicenseorafuneraldirector'slicensefromthestate,orduringtheirattendanceatanyschoolsrequiredbylawforsecuringanembalmer'sorfuneraldirector'slicense. m m  0 0m  (h)Personswhohavecompletedafour(4)yearcourseinamedicalschoolapprovedbylawwhenemployedasinternsorresidentphysiciansbyanyaccreditedhospital. m m  0 0m  (i)Studentsperformingservicesforanyschool,college,oruniversityinwhichtheyareenrolledandareregularlyattendingclasses. m m  0 0m  (j)Personswithphysicalormentaldisabilitiesperformingservicesfornonprofitorganizationsorganizedprimarilyforthepurposeofprovidingemploymentforpersonswithdisabilitiesorforassistingintheirtherapyandrehabilitation. m m  0 0m  (k)Personsemployedasinsurance agents, producers, insurance  solicitors,andoutsidesalesmen,ifalltheirservicesareperformedforremunerationsolelybycommission. m m  0 0m  (l)Personsperformingservicesforanycamping,recreational,orguidancefacilitiesoperatedbyacharitable,religious,oreducationalnonprofitorganization. m m  0 0m  (m)Personsengagedinagriculturallabor.Thetermshallincludeonlyservicesperformed: m m  0 0m  0 m m (1)onafarm,inconnectionwithcultivatingthesoil,orinconnectionwithraisingorharvestinganyagriculturalorhorticulturalcommodity,includingtheraising,shearing,feeding,caringfor,training,andmanagementoflivestock,bees,poultry,andfurbearinganimalsandwildlife;    0 0m  0 m m (2)intheemployoftheownerortenantorotheroperatorofafarm,inconnectionwiththeoperation,management,conservation,improvement,ormaintenanceofthefarmanditstoolsandequipmentifthemajorpartoftheserviceisperformedonafarm;    0 0m  0 m m (3)inconnectionwith:    0 0m  0 m m 0   (A)theproductionorharvestingofmaplesugarormaplesyruporanycommoditydefinedasanagriculturalcommodityintheAgriculturalMarketingAct,asamended(12U.S.C.1141j);    0 0m  0 m m 0   (B)theraisingorharvestingofmushrooms;    0 0m  0 m m 0   (C)thehatchingofpoultry;or    0 0m  0 m m 0   (D)theoperationormaintenanceofditches,canals,reservoirs,orwaterwaysusedexclusivelyforsupplyingandstoringwaterforfarmingpurposes;and    0 0m  0 m m (4)inhandling,planting,drying,packing,packaging,processing, .^+2 freezing,grading,storing,ordeliveringtostorage,tomarket,ortoacarrierfortransportationtomarket,anyagriculturalorhorticulturalcommodity,butonlyifserviceisperformedasanincidenttoordinaryfarmingoperationor,inthecaseoffruitsandvegetables,asanincidenttothepreparationoffruitsandvegetablesformarket.However,thisexceptionshallnotapplytoservicesperformedinconnectionwithanyagriculturalorhorticulturalcommodityafteritsdeliverytoaterminalmarketorprocessorforpreparationordistributionforconsumption.    0 0m  Asusedinthissubdivision,"farm"includesstock,dairy,poultry,fruit,furbearinganimals,andtruckfarms,nurseries,orchards,orgreenhousesorothersimilarstructuresusedprimarilyfortheraisingofagriculturalorhorticulturalcommodities. m m  0 0m  (n)Thosepersonsemployedinexecutive,administrative,orprofessionaloccupationswhohavetheauthoritytoemployordischargeandwhoearnonehundredfiftydollars($150)ormoreaweek,andoutsidesalesmen. m m  0 0m  (o)Anypersonnotemployedformorethanfour(4)weeksinanyfour(4)consecutivethree(3)monthperiods. m m  0 0m  (p)AnyemployeewithrespecttowhomtheInterstateCommerceCommissionhaspowertoestablishqualificationsandmaximumhoursofserviceunderthefederalMotorCarrierActof1935(49U.S.C.304(3))oranyemployeeofacarriersubjecttoIC8-2.1. m m  cv  SECTION9.4<0 WE  5  IC22-3-3-136sWEs  70 "t,ASAMENDEDBYP.L.202-2001,SECTION5,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.13.(a)Asusedinthissection,"board"referstotheworker'scompensationboardcreatedunder4>0 WE  5  IC22-3-1-1.6UuWEiu  70 u (b)Ifanemployeewhofromanycause,hadlost,orlosttheuseof,one(1)hand,one(1)arm,one(1)foot,one(1)leg,orone(1)eye,andinasubsequentindustrialaccidentbecomespermanentlyandtotallydisabledbyreasonoftheloss,orlossofuseof,anothersuchmemberoreye,theemployershallbeliableonlyforthecompensationpayableforsuchsecondinjury.However,inadditiontosuchcompensationandafterthecompletionofthepaymenttherefor,theemployeeshallbepaidtheremainderofthecompensationthatwouldbedueforsuchtotalpermanentdisabilityoutofaspecialfundknownasthesecondinjuryfund,andcreatedinthemannerdescribedinsubsection(c). (c)Whenevertheboarddeterminesundertheproceduressetforthinsubsection(d)thatanassessmentisnecessarytoensurethatfundbeneficiaries,includingapplicantsundersection4(e)ofthischapter,continuetoreceivecompensationinatimelymannerforareasonableprospectiveperiod,theboardshallsendnoticenotlaterthanOctober1inanyyearto:0 0m  (1)allinsurancecarriersandotherentitiesinsuringorprovidingcoveragetoemployerswhoareormaybeliableunderthisarticletopaycompensationforpersonalinjuriestoorthedeathoftheiremployeesunderthisarticle;and m m  0 0m  (2)eachemployercarryingtheemployer'sownrisk; m m  statingthatanassessmentisnecessary.AfterJune30,1999,theboardmayconductanassessmentunderthissubsectionnotmorethanone(1)timeannually.Everyinsurancecarrierandotherentityinsuringor .d-5 providingcoveragetoemployerswhoareormaybeliableunderthisarticletopaycompensationforpersonalinjuriestoordeathoftheiremployeesunderthisarticleandeveryemployercarryingtheemployer'sownrisk,shall,withinthirty(30)daysoftheboardsendingnoticeunderthissubsection,paytotheworker'scompensationboardforthebenefitofthefundanassessedamountthatmaynotexceedtwoandone-halfpercent(2.5%)ofthetotalamountofallworker'scompensationpaidtoinjuredemployeesortheirbeneficiariesunder4@0 WE  5  IC22-3-26~WE~  70 Ԁthrough4B0 WE  5  IC22-3-66WE  70 Ԁforthecalendaryearnextprecedingtheduedateofsuchpayment.Forthepurposesofcalculatingtheassessmentunderthissubsection,theboardmayconsiderpaymentsfortemporarytotaldisability,temporarypartialdisability,permanenttotalimpairment,permanentpartialimpairment,ordeathofanemployee.Theboardmaynotconsiderpaymentsformedicalbenefitsincalculatinganassessmentunderthissubsection.IftheamounttothecreditofthesecondinjuryfundonorbeforeOctober1ofanyyearexceedsonemilliondollars($1,000,000),theassessmentallowedunderthissubsectionshallnotbeassessedorcollectedduringtheensuingyear.ButwhenonorbeforeOctober1ofanyyeartheamounttothecreditofthefundislessthanonemilliondollars($1,000,000),thepaymentsofnotmorethantwoandone-halfpercent(2.5%)ofthetotalamountofallworker'scompensationpaidtoinjuredemployeesortheirbeneficiariesunder4D0 WE  5  IC22-3-26WE  70 Ԁthrough40 WE  5  IC22-3-66WE  70 фԀforthecalendaryearnextprecedingthatdateshallberesumedandpaidintothefund.Theboardmaynotuseanassessmentrategreaterthantwenty-fivehundredthsofonepercent(0.25%)abovetheamountrecommendedbythestudyperformedbeforetheassessment. (d)Theboardshallenterintoacontractwithanactuaryoranotherqualifiedfirmthathasexperienceincalculatingworker'scompensationliabilities.NotlaterthanSeptember1ofeachyear,theactuaryorotherqualifiedfirmshallcalculatetherecommendedfundinglevelofthefundbasedonthepreviousyear'sclaimsandinformtheboardoftheresultsofthecalculation.Iftheamounttothecreditofthefundislessthantheamountrequiredundersubsection(c),theboardmayconductanassessmentundersubsection(c).Theboardshallpaythecostsofthecontractunderthissubsectionwithmoneyinthefund. (e)Anassessmentcollectedundersubsection(c)onanemployerwhoisnotself-insuredmustbeassessedthroughasurchargebasedontheemployer'spremium.Anassessmentcollectedundersubsection(c)doesnotconstituteanelementofloss,butforthepurposeofcollectionshallbetreatedasaseparatecostimposeduponinsuredemployers.Apremiumsurchargeunderthissubsectionmustbecollectedatthesametimeandinthesamemannerinwhichthepremiumforcoverageiscollected,andmustbeshownasaseparateamountonapremiumstatement.Apremiumsurchargeunderthissubsectionmustbeexcludedfromthedefinitionofpremiumforallpurposes,includingthecomputationof agent insuranceproducer commissionsorpremium ^+'. taxes.However,aninsurermaycancelaworker'scompensationpolicyfornonpaymentofthepremiumsurcharge.Acancellationunderthissubsectionmustbecarriedoutunderthestatutesapplicabletothenonpaymentofpremiums. .^+2  (f)Thesumsshallbepaidbytheboardtothetreasurerofstate,tobedepositedinaspecialaccountknownasthesecondinjuryfund.Thefundsarenotapartofthegeneralfundofthestate.Anybalanceremainingintheaccountattheendofanyfiscalyearshallnotreverttothegeneralfund.Thefundsshallbeusedonlyforthepaymentofawardsofcompensationandexpenseofmedicalexaminationsortreatmentmadeandorderedbytheboardandchargeableagainstthefundpursuanttothissection,andshallbepaidforthatpurposebythetreasurerofstateuponawardororderoftheboard. (g)Ifanemployeewhoisentitledtocompensationunder40 WE  5  IC22-3-26vWEerag  7covthrough4covWE  5  IC22-3-66'WE;erag  7covfԀeither:0 0m  (1)exhauststhemaximumbenefitsundersection22ofthischapterwithouthavingreceivedthefullamountofawardgrantedtotheemployeeundersection10ofthischapter;or m m  0 0m  (2)exhauststheemployee'sbenefitsundersection10ofthischapter; m m  thensuchemployeemayapplytotheboard,whomayawardtheemployeecompensationfromthesecondinjuryfundestablishedbythissection,asfollowsundersubsection(h). (h)Anemployeewhohasexhaustedtheemployee'smaximumbenefitsundersection10ofthischaptermaybeawardedadditionalcompensationequaltosixty-sixandtwo-thirdspercent(662/3%)oftheemployee'saverageweeklywageatthetimeoftheemployee'sinjury,nottoexceedthemaximumthenapplicableundersection22ofthischapter,foraperiodofnottoexceedonehundredfifty(150)weeksuponcompetentevidencesufficienttoestablish:0 0m  (1)thattheemployeeistotallyandpermanentlydisabledfromcausesandconditionsofwhichthereareorhavebeenobjectiveconditionsandsymptomsproventhatarenotwithinthephysicalormentalcontroloftheemployee;and m m  0 0m  (2)thattheemployeeisunabletosupporttheemployeeinanygainfulemployment,notassociatedwithrehabilitativeorvocationaltherapy. m m   (i)Theadditionalawardmayberenewedduringtheemployee'stotalandpermanentdisabilityafterappropriatehearingsbytheboardforsuccessiveperiodsnottoexceedonehundredfifty(150)weekseach.TheprovisionsofthissectionapplyonlytoinjuriesoccurringsubsequenttoApril1,1950,forwhichawardshavebeenorareinthefuturemadebytheboardundersection10ofthischapter.Section16ofthischapterdoesnotapplytocompensationawardedfromthesecondinjuryfundunderthissection. (j)Allinsurancecarrierssubjecttoanassessmentunderthissectionarerequiredtoprovidetotheboard:0 0m  (1)notlaterthanJanuary31eachcalendaryear;and m m  0 0m  (2)notlaterthanthirty(30)daysafterachangeoccurs; m m  thename,address,andelectronicmailaddressofarepresentativeauthorizedtoreceivethenoticeofanassessment.ev  SECTION10.4FcovWE  5  IC22-4-8-36WEerag  7covޚ,ASAMENDEDBYP.L.1-2003,SECTION70,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.3."Employment"shallnotincludethefollowing: (a)Exceptasprovidedinsection2(i)ofthischapter,service .d-5 performedpriortoJanuary1,1978,intheemployofthisstate,anyotherstate,anytownorcity,orpoliticalsubdivision,oranyinstrumentalityofanyofthem,otherthanserviceperformedintheemployofamunicipallyownedpublicutilityasdefinedinthisarticle;orserviceperformedintheemployoftheUnitedStatesofAmerica,oraninstrumentalityoftheUnitedStatesimmuneundertheConstitutionoftheUnitedStatesfromthecontributionsimposedbythisarticle,exceptthattotheextentthattheCongressoftheUnitedStatesshallpermitstatestorequireanyinstrumentalitiesoftheUnitedStatestomakepaymentsintoanunemploymentfundunderastateunemploymentcompensationstatute,alloftheprovisionsofthisarticleshallbeapplicabletosuchinstrumentalities,inthesamemanner,tothesameextent,andonthesametermsastoallotheremployers,employingunits,individuals,andservices.However,ifthisstateshallnotbecertifiedforanyyearbytheSecretaryofLaborunderSection3304oftheInternalRevenueCodethepaymentsrequiredofsuchinstrumentalitieswithrespecttosuchyearshallberefundedbythecommissionerfromthefundinthesamemannerandwithinthesameperiodasisprovidedin4HcovWE  5  IC22-4-32-196'WE;erag  7covfԀwithrespecttocontributionerroneouslypaidorwrongfullyassessed. (b)ServicewithrespecttowhichunemploymentcompensationispayableunderanunemploymentcompensationsystemestablishedbyanActofCongress;however,theboardisauthorizedtoenterintoagreementswiththeproperagenciesundersuchActofCongress,whichagreementsshallbecomeeffectiveten(10)daysafterpublicationthereofinthemannerprovidedin4covWE  5  IC22-4-19-26WEerag  7covңԀforrulesoftheboard,toprovidereciprocaltreatmenttoindividualswhohave,afteracquiringpotentialrightstobenefitsunderthisarticle,acquiredrightstounemploymentcompensationundersuchActofCongress,orwhohave,afterhavingacquiredpotentialrightstounemploymentcompensationundersuchActofCongress,acquiredrightstobenefitsunderthisarticle. (c)"Agriculturallabor"asprovidedinsection2(l)(1)ofthischaptershallincludeonlyservicesperformed:0 0m  (i)onafarm,intheemployofanyperson,inconnectionwithcultivatingthesoilorinconnectionwithraisingorharvestinganyagriculturalorhorticulturalcommodity,includingtheraising,shearing,feeding,caringfor,training,andmanagementoflivestock,bees,poultry,andfurbearinganimalsandwildlife; m m  0 0m  (ii)intheemployoftheownerortenantorotheroperatorofafarm,inconnectionwiththeoperation,management,conservation,improvement,ormaintenanceofsuchfarmanditstoolsandequipment,orinsalvagingtimberorclearinglandofbrushandotherdebrisleftbyahurricane,ifthemajorpartofsuchserviceisperformedonafarm; m m  0 0m  (iii)inconnectionwiththeproductionorharvestingofanycommoditydefinedasanagriculturalcommodityinSection15(g)oftheAgriculturalMarketingAct,asamended,orinconnectionwiththeoperationormaintenanceofditches,canals,reservoirs,orwaterways,notownedoroperatedforprofit,usedexclusivelyforsupplyingandstoringwaterforfarmingpurposes;.\+2m m  0 0m  (iv)(A)intheemployoftheoperatorofafarminhandling,planting,drying,packing,packaging,processing,freezing,grading,storing,ordeliveringtostorageortomarketortoacarrierfortransportationtomarket,initsunmanufacturedstate,anyagriculturalorhorticulturalcommodity;butonlyifsuchoperatorproducedmorethanone-half(1/2)ofthecommoditywithrespecttowhichsuchserviceisperformed; m m  0 0m  (B)intheemployofagroupofoperatorsoffarms(oracooperativeorganizationofwhichsuchoperatorsaremembers)intheperformanceofservicedescribedinsubdivision(A),butonlyifsuchoperatorsproducemorethanone-half(1/2)ofthecommoditywithrespecttowhichsuchserviceisperformed; m m  0 0m  (C)theprovisionsofsubdivisions(A)and(B)shallnotbedeemedtobeapplicablewithrespecttoserviceperformedinconnectionwithcommercialcanningorcommercialfreezingorinconnectionwithanyagriculturalorhorticulturalcommodityafteritsdeliverytoaterminalmarketfordistributionforconsumption;or m m  0 0m  (v)onafarmoperatedforprofitifsuchserviceisnotinthecourseoftheemployer'stradeorbusinessorisdomesticserviceinaprivatehomeoftheemployer. m m  Asusedinthissubsection,"farm"includesstock,dairy,poultry,fruit,furbearinganimals,andtruckfarms,nurseries,orchards,greenhouses,orothersimilarstructuresusedprimarilyfortheraisingofagriculturalorhorticulturalcommodities. (d)Domesticserviceinaprivatehome,localcollegeclub,orlocalchapterofacollegefraternityorsorority,exceptasprovidedinsection2(m)ofthischapter. (e)ServiceperformedonorinconnectionwithavesseloraircraftnotanAmericanvesselorAmericanaircraft,iftheemployeeisemployedonandinconnectionwithsuchvesseloraircraftwhenoutsidetheUnitedStates. (f)Serviceperformedbyanindividualintheemployofchildorspouse,andserviceperformedbyachildundertheageoftwenty-one(21)intheemployofaparent. (g)Servicenotinthecourseoftheemployingunit'stradeorbusinessperformedinanycalendarquarterbyanindividual,unlessthecashremunerationpaidforsuchserviceisfiftydollars($50)ormoreandsuchserviceisperformedbyanindividualwhoisregularlyemployedbysuchemployingunittoperformsuchservice.Forthepurposesofthissubsection,anindividualshallbedeemedtoberegularlyemployedtoperformservicenotinthecourseofanemployingunit'stradeorbusinessduringacalendarquarteronlyif:0 0m  (i)oneachofsomeoftwenty-four(24)daysduringsuchquartersuchindividualperformssuchserviceforsomeportionoftheday;or m m  0 0m  (ii)suchindividualwasregularlyemployed(asdeterminedunderclause(i))bysuchemployingunitintheperformanceofsuchserviceduringtheprecedingcalendarquarter. m m   (h)ServiceperformedbyanindividualinanycalendarquarterintheemployofanyorganizationexemptfromincometaxunderSection501oftheInternalRevenueCode(exceptthoseservicesincludedin .\+2 sections2(i)and2(j)ofthischapteriftheremunerationforsuchserviceislessthanfiftydollars($50). (i)Serviceperformedintheemployofahospital,ifsuchserviceisperformedbyapatientofsuchhospital. (j)Serviceperformedintheemployofaschool,college,oruniversityifsuchserviceisperformed:0 0m  (i)byastudentwhoisenrolledandisregularlyattendingclassesatsuchschool,college,oruniversity;or m m  0 0m  (ii)bythespouseofsuchastudent,ifsuchspouseisadvised,atthetimesuchspousecommencestoperformsuchservice,that: m m  0 0m  0 m m (A)theemploymentofsuchspousetoperformsuchserviceisprovidedunderaprogramtoprovidefinancialassistancetosuchstudentbysuchschool,college,oruniversity;and    0 0m  0 m m (B)suchemploymentwillnotbecoveredbyanyprogramofunemploymentinsurance.     (k)Serviceperformedbyanindividualwhoisenrolledatanonprofitorpubliceducationalinstitutionwhichnormallymaintainsaregularfacultyandcurriculumandnormallyhasaregularlyorganizedbodyofstudentsinattendanceattheplacewhereitseducationalactivitiesarecarriedonasastudentinafull-timeprogram,takenforcreditatsuchinstitution,whichcombinesacademicinstructionwithworkexperience,ifsuchserviceisanintegralpartofsuchprogram,andsuchinstitutionhassocertifiedtotheemployer,exceptthatthissubsectionshallnotapplytoserviceperformedinaprogramestablishedfororonbehalfofanemployerorgroupofemployers. (l)ServiceperformedintheemployofagovernmentforeigntotheUnitedStatesofAmerica,includingserviceasaconsularorotherofficeroremployeeoranondiplomaticrepresentative. (m)ServiceperformedintheemployofaninstrumentalitywhollyownedbyagovernmentforeigntothatoftheUnitedStatesofAmerica,iftheserviceisofacharactersimilartothatperformedinforeigncountriesbyemployeesoftheUnitedStatesofAmericaorofaninstrumentalitythereof,andiftheboardfindsthattheSecretaryofStateoftheUnitedStateshascertifiedtotheSecretaryoftheTreasuryoftheUnitedStatesthatthegovernment,foreigntotheUnitedStates,withrespecttowhoseinstrumentalityexemptionisclaimed,grantsanequivalentexemptionwithrespecttosimilarserviceperformedinsuchcountrybyemployeesoftheUnitedStatesandofinstrumentalitiesthereof. (n)Serviceperformedasastudentnurseintheemployofahospitalornurses'trainingschoolbyanindividualwhoisenrolledandisregularlyattendingclassesinanurses'trainingschoolcharteredorapprovedpursuanttostatelaw;andserviceperformedasaninternintheemployofahospitalbyanindividualwhohascompletedafour(4)yearcourseinamedicalschoolcharteredorapprovedpursuanttostatelaw. (o)Serviceperformedbyanindividualasaninsurance agent  ^+'.  producer orasaninsurancesolicitor,ifallsuchserviceperformedby <,(/ suchindividualisperformedforremunerationsolelybywayofcommission. (p)(A)Serviceperformedbyanindividualundertheageofeighteen .^+2 (18)inthedeliveryordistributionofnewspapersorshoppingnews,notincludingdeliveryordistributiontoanypointforsubsequentdeliveryordistribution. (B)Servicesperformedbyanindividualin,andatthetimeof,thesaleofnewspapersormagazinestoultimateconsumers,underanarrangementunderwhichthenewspapersormagazinesaretobesoldbyhimatafixedprice,hiscompensationbeingbasedontheretentionoftheexcessofsuchpriceovertheamountatwhichthenewspapersormagazinesarechargedtohim,whetherornotheisguaranteedaminimumamountofcompensationforsuchservice,orisentitledtobecreditedwiththeunsoldnewspapersormagazinesturnedback. (q)Serviceperformedintheemployofaninternationalorganization. (r)Exceptasprovidedin4covWE  5  IC22-4-7-16sWEchap  7his,servicescoveredbyanelectiondulyapprovedbytheagencychargedwiththeadministrationofanyotherstateorfederalunemploymentcompensationlawinaccordancewithanarrangementpursuantto4hisWE  5  IC22-4-22-16WEchap  7his$Ԁthrough4hisWE  5  IC22-4-22-56WEchap  7his,duringtheeffectiveperiodofsuchelection. (s)Iftheserviceperformedduringone-half(1/2)ormoreofanypayperiodbyanindividualforanemployingunitconstitutesemployment,alltheservicesofsuchindividualforsuchperiodshallbedeemedtobeemployment;butiftheservicesperformedduringmorethanone-half(1/2)ofanypayperiodbysuchanindividualdonotconstituteemployment,thennoneoftheservicesofsuchindividualforsuchperiodshallbedeemedtobeemployment.Asusedinthissubsection,"payperiod"meansaperiodofnotmorethanthirty-one(31)consecutivedaysforwhichapaymentofremunerationisordinarilymadetotheindividualbytheemployingunit.Thissubsectionshallnotbeapplicablewithrespecttoservicesperformedinapayperiodbyanysuchindividualwhereanysuchserviceisexceptedbysubsection(b). (t)Serviceperformedbyaninmateofacustodialorpenalinstitution. (u)Serviceperformedasaprecinctelectionofficer(asdefinedin4hisWE  5  IC3-5-2-40.16[WEolege  7col).gv  SECTION11.4IcolWE  5  IC24-4.5-6-20169WEMlege  7colxԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.201.(1)Thissection,4KcolWE  5  IC24-4.5-6-2026<WEPlege  7col{,and4colWE  5  IC24-4.5-6-2036WElege  7col/Ԁapplytoaperson,includingasupervisedfinancialorganization,engagedinIndianainanyofthefollowing:0 0m  (a)Makingconsumercreditsales,consumerleases,orconsumerloans. m m  0 0m  (b)Takingassignmentsofrightsagainstdebtorsthatarisefromsales,leases,orloansbyapersonhavinganofficeoraplaceofbusinessinIndiana,andundertakingdirectcollectionofpaymentsfromthedebtorsorenforcementofrightsagainstthedebtors. m m  0 0m  (c)Placingconsumercreditinsurance,receivingcommissionsforconsumercreditinsurance,oractingas an agent alimitedline )0(/ creditinsuranceproducer inthesaleofconsumercredit *)0 insurance. m m   (2)Thissection,4colWE  5  IC24-4.5-6-2026WE,lege  7colW,and4colWE  5  IC24-4.5-6-2036WElege  7col Ԁarenotapplicabletoasellerwhosecreditsalesconsistentirelyofsalesmadepursuanttoasellercreditcardissuedbyapersonotherthantheselleriftheissuerofthecardhascompliedwiththeprovisionsofthis .h-5 section,4colWE  5  IC24-4.5-6-2026vWElege  7col,and4colWE  5  IC24-4.5-6-203.6*WE>lege  7coli (3)Thissection,4colWE  5  IC24-4.5-6-2026WE lege  7col7,and4colWE  5  IC24-4.5-6-2036WElege  7colԀapplytoasellerwhosecreditsalesaremadeusingcreditcardsthat:0 0m  (a)areissuedbyalender; m m  0 0m  (b)areinthenameoftheseller;and m m  0 0m  (c)canbeusedbythebuyerorlesseeonlyforpurchasesorleasesatlocationsofthenamedseller. m m  iv  SECTION12.4LcolWE  5  IC25-1-9-196WE0  7[ԀISADDEDTOTHEINDIANACODEASA NEW SECTIONTOREADASFOLLOWS[EFFECTIVE j   JANUARY1,2004]: Sec.19.Apractitionerthatprovidestoa J  patientnoticeconcerningathirdpartybillingforahealthcareserviceprovidedtothepatientshallensurethatthenotice:0 0m  (1)conspicuouslystatesthatthenoticeisnotabill; m m  0 0m  (2)doesnotincludeatear-offportion;and m m  0 0m  (3)isnotaccompaniedbyareturnmailingenvelope. (m m  kv  SECTION13.4NWE  5  IC27-1-2-36xWE  7,ASAMENDEDBYP.L.48-2000,SECTION1,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.3.Asusedinthisarticle,andunlessadifferentmeaningappearsfromthecontext:(a)"Insurance"meansacontractofinsuranceoranagreementbywhichone(1)party,foraconsideration,promisestopaymoneyoritsequivalentortodoanactvaluabletotheinsureduponthedestruction,lossorinjuryofsomethinginwhichtheotherpartyhasapecuniaryinterest,orinconsiderationofapricepaid,adequatetotherisk,becomessecuritytotheotheragainstlossbycertainspecifiedrisks;tograntindemnityorsecurityagainstlossforaconsideration. (b)"Commissioner"meansthe"insurancecommissioner"ofthisstate. (c)"Department"means"thedepartmentofinsurance"ofthisstate. (d)Theterm"company"or"corporation"meansaninsurancecompanyandincludesallpersons,partnerships,corporations,associations,ordersorsocietiesengagedinorproposingtoengageinmakinganykindofinsuranceauthorizedbythelawsofthisstate. (e)Theterm"domesticcompany"or"domesticcorporation"meansaninsurancecompanyorganizedundertheinsurancelawsofthisstate. (f)Theterm"foreigncompany"or"foreigncorporation"meansaninsurancecompanyorganizedunderthelawsofanystateoftheUnitedStatesotherthanthisstateorunderthelawsofanyterritoryorinsularpossessionoftheUnitedStatesortheDistrictofColumbia. (g)Theterm"aliencompany"or"aliencorporation"meansaninsurancecompanyorganizedunderthelawsofanycountryotherthantheUnitedStatesorterritoryorinsularpossessionthereoforoftheDistrictofColumbia. (h)Theterm"person"includesindividuals,corporations,associations,andpartnerships;personalpronounincludesallgenders;thesingularincludesthepluralandthepluralincludesthesingular. (k)Theterm"insurancesolicitor"meansanynaturalpersonemployedtoaidaninsurance agent producer inanymannerin 6,,5 soliciting,negotiating,oreffectingcontractsofinsuranceorindemnityotherthanlife. (l)Theterm"principaloffice"meansthatofficemaintainedbythe .h/8 corporationinthisstate,theaddressofwhichisrequiredbytheprovisionsofthisarticletobekeptonfileintheofficeofthedepartment. (m)Theterm"articlesofincorporation"includesboththeoriginalarticlesofincorporationandanyandallamendmentsthereto,exceptwheretheoriginalarticlesofincorporationonlyareexpresslyreferredto,andincludesarticlesofmerger,consolidationandreinsurance,andincaseofcorporations,heretoforeorganized,articlesofreorganizationfiledintheofficeofthesecretaryofstate,andallamendmentsthereto. (n)Theterm"shareholder"meansonewhoisaholderofrecordofsharesofstockinacorporation,unlessthecontextotherwiserequires. (o)Theterm"policyholder"meansonewhoisaholderofacontractofinsuranceinaninsurancecompany. (p)Theterm"member"meansonewhoholdsacontractofinsuranceorisinsuredinaninsurancecompanyotherthanastockcorporation. (q)Theterm"capitalstock"meanstheaggregateamountoftheparvalueofallsharesofcapitalstock. (r)Theterm"capital"meanstheaggregateamountpaidinonthesharesofcapitalstockofacorporationissuedandoutstanding. (s)Theterm"lifeinsurancecompany"meansanycompanymakingoneormoreofthekindsofinsurancesetoutanddefinedinclass1(a)of4PWE  5  IC27-1-5-1.6WE  7 (t)Theterm"casualtyinsurancecompany"meansanycompanymakingthekindorkindsofinsurancesetoutanddefinedinclass2of4WE  5  IC27-1-5-1.6WE  7B (u)Theterm"fireandmarineinsurancecompany"meansanycompanymakingthekindorkindsofinsurancesetoutanddefinedinclass3of4WE  5  IC27-1-5-1.6FWEZ  7 (v)Theterm"certificateofauthority"meansaninstrumentinwritingissuedbythedepartmenttoaninsurer,whichsetsouttheauthorityofsuchinsurertoengageinthebusinessofinsuranceoractivitiesconnectedtherewith. (w)Theterm"premium"meansmoneyoranyotherthingofvaluepaidorgiveninconsiderationtoaninsurer, agent, insurance  ! producer, orsolicitoronaccountoforinconnectionwithacontractof  ~" insuranceandshallincludeasapartbutnotinlimitationoftheabove,policyfees,admissionfees,membershipfeesandregularorspecialassessmentsandpaymentsmadeonaccountofannuities. (x)Theterm"insurer"meansacompany,firm,partnership,association,order,societyorsystemmakinganykindorkindsofinsuranceandshallincludeassociationsoperatingasLloyds,reciprocalorinter-insurers,orindividualunderwriters. (y)Theterms"assessmentplan"and"assessmentinsurance"meanthemodeorplanandthebusinessofacorporation,associationorsocietyorganizedandlimitedtothemakingofinsuranceonthelivesofpersonsandagainstdisabilityfromdisease,bodilyinjuryordeathbyaccident,andwhichprovidesforthepaymentofpolicyclaims,accumulationofreserveoremergencyfunds,andtheexpensesofthemanagementandprosecutionofitsbusinessbypaymentstobemadeeitheratstatedperiodsnamedinthecontractoruponassessments,andwhereintheinsured'sliabilitytocontributeisnotlimitedtoafixed .`+2 sum. (z)"Agencybilled"referstoasysteminwhichaninsuredpaysapremiumdirectlytoaninsuranceagency.mv  SECTION14.4RWE  5  IC27-1-6-176WEoan  7lyt#ԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.17.Thecommissionermay,personallyorthrough his thecommissioner's deputiesand ^ assistants,examineintotheaffairsofanysuchproposedcompanyandinspectitsbooksandpapers,andmaysummonandexamineunderoathanyofficeror agent insuranceproducer oranypersonwhoisorhas l   beenconnectedwithsuchcompany,andif he thecommissioner finds L  thecompanyisviolatingthelaw,orifthecompanyshallnotbequalifiedforacertificateofauthoritywithinone(1)yearfromdateofitspermit, he thecommissioner mayrevokeitspermit;andif he the  v  commissioner findsan agent insuranceproducer ofsuchcompany V  hasviolatedthelaw, he thecommissioner mayrevoke his the 6 insuranceproducer's authority,and he thecommissioner mayfor   such agent's theinsuranceproducer's violationrevokethecompany's h permit.Anyrevocationshallbeafternoticeandhearing.Thecommissionermayrenewanycompany'spermitoragent'sauthoritywhich he thecommissioner hasrevoked.  ov  SECTION15.4TlytWE  5  IC27-1-6.5-56WE*oan  7lytUԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.5.Whenanyinsureradmittedtotransactbusinessinthisstatetransfersitsdomiciletothisoranyotherstate,itscertificateofauthority, agents' insurance ~ producers' appointmentsandlicenses,policyforms,rates, ^ authorizations,andotherfilingsandapprovalswhichexistedatthetimeofthetransfer,remainineffectafterthetransferofdomicileoccurs.qv  SECTION16.4VlytWE  5  IC27-1-12-436WEoan  7lytԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.43.(a)Asusedinthissection,"lifeinsurancepolicy"means:0 0m  (1)anindividuallifeinsurancepolicyotherthanacreditlifeinsurancepolicy;or m m  0 0m  (2)anindividualpolicyofvariablelifeinsurance; m m  thatissoldafterJune30,1994. (b)NolifeinsurancepolicymaybeissuedinIndianaorissuedfordeliveryinIndianaunlessitcontainsaprovisionallowingthepolicyholdertoreturnthepolicyto:0 0m  (1)theinsurer; m m  0 0m  (2)the agent insuranceproducer throughwhomthepolicywas b%(0 purchased;or m m  0 0m  (3)anyagentoftheinsurer; m m  withinten(10)daysafterthepolicyisreceivedbythepolicyholderforafullrefundofallmoneypaidbythepolicyholder. (c)Eachlifeinsurancepolicymusthaveprominentlyprintedonitsfirstpageanoticesettingforthinsubstancetheprovisionsofsubsection(b).sv  SECTION17.4XlytWE  5  IC27-1-12.6-56X WEl oan  7lyt ԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.5.Eachannuitycontractshallcontainaprovisiongivingthepurchaseranunrestricted .2= righttoreturnthecontracttothecompanyortothe agent insurance z producer throughwhomitwaspurchased,onorbeforethetenthday Z afteritisreceivedbythepurchaser,suchreturnentitlingthepurchasertoareturnofthevalueofavariableannuityaccountorthemoniespaidbythepurchasertoafixedaccountinconnectionwiththeissuanceofthecontract.Thisprovisionshallbeconspicuouslyplacedonthefaceofthecontract.Thisprovisiondoesnotapplytocontractsissuedinconnectionwithapension,annuity,orprofit-sharingplanqualifiedorexemptunderSections401,403,404,or501oftheInternalRevenueCode,ifparticipationintheplanisaconditionofemployment.uv  SECTION18.4ZlytWE  5  IC27-1-12.76 WE oan  7lytԀISADDEDTOTHEINDIANACODEASA NEW CHAPTERTOREADASFOLLOWS[EFFECTIVE   UPONPASSAGE]: Chapter12.7.FundingAgreements T   Sec.1.Asusedinthischapter,"fundingagreement"meansanagreementthat:0 0m  (1)isissuedbyalifeinsurancecompanytoaholder; m m  0 0m  (2)authorizesalifeinsurancecompanytoacceptfunds;and m m  0 0m  (3)providesforanaccumulationofthefundsforthepurposeofmakingone(1)ormorepaymentsatfuturedatesinamountsthatarenotbasedonmortalityormorbiditycontingenciesoftheholderofthefundingagreement. m m   Sec.2.Asusedinthischapter,"holder"meansapersondescribedinsection5ofthischapterthatisissuedafundingagreementbyalifeinsurancecompany. Sec.3.Asusedinthischapter,"lifeinsurancecompany"meansalifeinsurancecompanyauthorizedtoissueaproductdescribedinClass1(c)of4\lytWE  5  IC27-1-5-1.6WEoan  7lyt Sec.4.Asusedinthischapter,"optionalmodesofsettlement"meansthemannerinwhichthefundingagreementisstructuredtorepayinterestandprincipaltotheholder. Sec.5.AlifeinsurancecompanymayissueorissuefordeliveryinIndianaafundingagreementtothefollowing:0 0m  (1)Apersonauthorizedbyastateorforeigncountrytoengageinaninsurancebusinessorasubsidiaryofaninsurancebusiness. m m  0 0m  (2)Apersonwhousesthefundingagreementforthepurposeoffunding: m m  0 0m  0 m m (A)benefitsunderanemployeebenefitplan(asdefinedinthefederalEmployeeRetirementSecurityActof1974,29U.S.C.1001etseq.);    0 0m  0 m m (B)theactivitiesofanonprofitorganizationexemptfromfederalincometaxationunderSection501(c)(3)oftheInternalRevenueCodeorasimilarnonprofitorganizationdomiciledinaforeigncountry;    0 0m  0 m m (C)aprogramof:    0 0m  0 m m 0   (i)theUnitedStatesgovernment;    0 0m  0 m m 0   (ii)astategovernment;    0 0m  0 m m 0   (iii)apoliticalsubdivision;    0 0m  0 m m 0   (iv)aforeigncountry;or    0 0m  0 m m 0   (v)anagencyorinstrumentalityoftheUnitedStatesora . -5 stategovernment,apoliticalsubdivision,oraforeigncountry;    0 0m  0 m m (D)anagreementprovidingforperiodicpaymentsinsatisfactionofaclaim;    0 0m  0 m m (E)aprogramofaninstitutionwithassetsexceedingtwenty-fivemilliondollars($25,000,000);    0 0m  0 m m (F)aprograminwhichabusinessentity,includingatrust:    0 0m  0 m m 0   (i)purchasesandholdsfundingagreements;and    0 0m  0 m m 0   (ii)issuessecuritiesbyusingthefundingagreementtofinanceorcollateralizethesecurities;or    0 0m  0 m m (G)anyprogramoractivitysubstantiallysimilartoaprogramoranactivitydescribedinclauses(A)through(F)thatisfirstauthorizedbythecommissioner.     Sec.6.Theissuanceofafundingagreement:0 0m  (1)constitutesanactivitynecessary,convenient,orexpedienttothebusinessofalifeinsurancecompanyunder4^lytWE  5  IC27-1-7-26WEoan  7lyt ; m m  0 0m  (2)isnotinsuranceunder4`lytWE  5  IC27-1-5-16 WE oan  7lyt!; m m  0 0m  (3)isnotasecurity(asdefinedin4lytWE  5  IC23-2-1-16!WE!oan  7lyt"(k));and m m  0 0m  (4)doesnotconstitutegrosspremiumfortaxationpurposesunder4lytWE  5  IC27-1-18-2.6 #WE#or  7try;I# m m   Sec.7.Anamountmaynotbeguaranteedorcreditedunderafundingagreementexcept:0 0m  (1)uponreasonableassumptionsastoinvestmentincomeandexpenses;and m m  0 0m  (2)onabasisequitabletoallholdersoffundingagreementsofagivenclass. m m   Sec.8.Anamountpaidtoalifeinsurancecompanyandproceedsappliedtoamountspaidunderoptionalmodesofsettlementunderafundingagreementmaybeallocatedbytheinsurertoone(1)ormoresegregatedassetaccountsinthemannerdescribedinClass1(c)of4try;WE  5  IC27-1-5-1.6L&WE`&or  7try;& Sec.9.Thecommissionermayestablishreasonableconditionsoradoptrulesunder4try;WE  5  IC4-22-26V'WEj'or  7try;'Ԁregarding:0 0m  (1)reserveamountstobemaintainedbyalifeinsurancecompanyforfundingagreements; m m  0 0m  (2)accountingandreportingoffundscreditedunderfundingagreements;and m m  0 0m  (3)othermattersregardingfundingagreementsthecommissionerconsidersnecessary,proper,andadvisable. m m   Sec.10.Notwithstandinganyotherprovisionoflaw:0 0m  (1)thecommissionerhasthesoleauthoritytoregulatetheissuanceandsaleoffundingagreements; m m  0 0m  (2)afundingagreementisnotconsideredacoveredpolicyunder4try;WE  5  IC27-8-8-16*WE+or  7try;:+(a);and m m  0 0m  (3)aclaimforpaymentsunderafundingagreementmustbetreatedasalossclaimdescribedinClass2of4atry;WE  5  IC27-9-3-40.6O,WEc,or  7try;, &*&-m m  wv  SECTION19.4ctry;WE  5  IC27-1-13-116L-WE`-or  7try;-ԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.11.AtallsuchmeetingsofthegoverningbodyheldatIndianapolis,Indiana,assetoutinsection10ofthischapter,anyaggrievedpolicyholder, agent,  -*,4  insuranceproducer, company,representative,oranyotheraggrieved z.-5 personmayappearbeforesuchmeetingtohavecomplaintsheardinfull,anditshallbethedutyofsuchratingbureautorectifysuchconditionsasarejustlycomplainedofinsuchmannerasisreasonablypossible.yv  SECTION20.4dtry;WE  5  IC27-1-20-306P0WEd0or  7try;0ԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.30.(a)Nocompanyactingthroughitsofficersormembers,attorney-in-fact,orbyanyotherparty,noofficerofacompanyactingon his theofficer's ownbehalf    andnoinsurance agent, producer, broker,orsolicitor,personallyorby l   anyotherparty,shalloffer,promise,allow,give,setofforpay,directlyorindirectly,anyrebateoforpartofthepremiumpayableonapolicy,orany agent's insuranceproducer's commissionthereon,orearnings,   profits,dividendsorotherbenefitsfounded,arising,accruing,ortoaccruethereonortherefrom,oranyspecialadvantageindateofpolicyorageofissue,oranypaidemploymentorcontractforservicesofanykind,oranyothervaluableconsiderationorinducement,toorforinsuranceonanyriskinthisstate,noworhereaftertobewritten,orfororuponanyrenewalofanysuchinsurance,whichisnotspecifiedinthepolicycontractofinsurance,oroffer,promise,give,option,sellorpurchaseanystocks,bonds,securities,orproperty,oranydividendsorprofitsaccruingortoaccruethereon,orotherthingofvaluewhatsoeverasinducementtoinsuranceorinconnectiontherewith,oranyrenewalthereof,whichisnotspecifiedinthepolicy.Nothinginthissectionshallpreventacompanywhichtransactsindustriallifeinsuranceonaweeklypaymentplanfromreturningtopolicyholderswhohavemadeapremiumpaymentforaperiodofatleastone(1)yeardirectlytothecompanyatitshomeordistrictofficeapercentageofpremiumwhichthecompanywouldotherwisehavepaidfortheweeklycollectionofsuchpremium,norshallthissectionbeconstruedtopreventthetakingofabonafideobligation,withlegalinterest,inpaymentofanypremium. (b)Noinsuredpersonorpartyorapplicantforinsuranceshalldirectlyorindirectly,receiveoraccept,oragreetoreceiveoraccept,anyrebateofpremiumorofanypartthereof,oralloranypartofany  $  agent's insuranceproducer's orbroker'scommissionthereon,orany  % favororadvantage,orshareinanybenefittoaccrueunderanypolicyofinsurance,oranyvaluableconsiderationorinducement,otherthansuchasarespecifiedinthepolicy.{v  SECTION21.4ftry;WE  5  IC27-1-22-2.56:WE:ofa  7art:,ASAMENDEDBYP.L.132-2001,SECTION6,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.2.5.(a)Asusedinthischapter,"exempt 2&&. commercialpolicyholder"meansanentitythat:0 0m  (1)makeswrittencertificationtotheentity'sinsureronaformprescribedbythedepartmentthattheentityisanexemptcommercialpolicyholder; m m  0 0m  (2)haspurchasedthepolicyofinsurancethroughaninsurance agent producer licensedunder4hartWE  5  IC27-1-15.66t=WE=ofa  7art=Ԁor4artWE  5  IC27-1-15.86#>WE7>ofa  7artb>;andf++4m m  0 0m  (3)meetsanythree(3)ofthefollowingcriteria: m m  0 0m  0 m m (A)Hasanetworthofmorethantwenty-fivemilliondollars($25,000,000)atthetimethepolicyofinsuranceisissued.    0 0m  0 m m (B)Hasanetrevenueorsalesofmorethanfiftymilliondollars .v/8 ($50,000,000)intheprecedingfiscalyear.    0 0m  0 m m (C)Hasmorethantwenty-five(25)employeesperindividualcompanyorfifty(50)employeesperholdingcompanyaggregateatthetimethepolicyofinsuranceisissued.    0 0m  0 m m (D)Hasaggregateannualcommercialinsurancepremiums,excludinganyworker'scompensationandprofessionalliabilityinsurancepremiums,ofmorethanseventy-fivethousanddollars($75,000)intheprecedingfiscalyear.    0 0m  0 m m (E)Isanonprofitorapublicentitywithanannualbudgetofatleasttwenty-fivemilliondollars($25,000,000)orassetsofatleasttwenty-fivemilliondollars($25,000,000)intheprecedingfiscalyear.    0 0m  0 m m (F)Procurescommercialinsurancewiththeservicesofariskmanager.    Anentitymeetsthewrittencertificationrequirementundersubdivision(1)iftheentityprovidesacopyofacertificationpreviouslysubmittedundersubdivision(1)andiftherehasbeennosignificantmaterialchangeintheentity'sstatus. (b)Asusedinthischapter,"riskmanager"meansapersonqualifiedtoassessanexemptcommercialpolicyholder'sinsuranceneedsandanalyzeandnegotiateapolicyofinsuranceonbehalfofanexemptcommercialpolicyholder.Ariskmanagermaybe:0 0m  (1)afull-timeemployeeofanexemptcommercialpolicyholderwhoisqualifiedthrougheducationandexperienceortrainingandexperience;or m m  0 0m  (2)apersonretainedbyanexemptcommercialpolicyholderwhoholdsaprofessionaldesignationrelevanttothetypeofinsurancetobepurchasedbytheexemptcommercialpolicyholder. m m  }v  SECTION22.4jartWE  5  IC27-1-22-46HWEHofa  7artH,ASAMENDEDBYP.L.268-1999,SECTION12,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.4.(a)Everyinsurershallfilewiththecommissionereverymanualofclassifications,rules,andrates,everyratingschedule,everyratingplan,andeverymodificationofanyoftheforegoingwhichitproposestouse. (b)Thefollowingtypesofinsuranceareexemptfromtherequirementsofsubsections(a)and(j):0 0m  (1)Inlandmarinerisks,whichbygeneralcustomofthebusinessarenotwrittenaccordingtomanualratesorratingplans. m m  0 0m  (2)Insurance,otherthanworkerscompensationinsuranceorprofessionalliabilityinsurance,issuedtoexemptcommercialpolicyholders. m m   (c)Everysuchfilingshallindicatethecharacterandextentofthecoveragecontemplatedandshallbeaccompaniedbytheinformationuponwhichthefilersupportssuchfiling. (d)Theinformationfurnishedinsupportofafilingmayinclude:0 0m  (1)theexperienceandjudgmentoftheinsurerorratingorganizationmakingthefiling; m m  0 0m  (2)itsinterpretationofanystatisticaldataitreliesupon; m m  0 0m  (3)theexperienceofotherinsurersorratingorganizations;or m m  0 0m  (4)anyotherrelevantfactors. m m  Thecommissionershallhavetherighttorequestanyadditional .d-5 relevantinformation.Afilingandanysupportinginformationshallbeopentopublicinspectionassoonasstamped"filed"withinareasonabletimeafterreceiptbythecommissioner,andcopiesmaybeobtainedbyanypersononrequestanduponpaymentofareasonablechargetherefor. (e)Filingsshallbecomeeffectiveuponthedateoffilingbydeliveryorupondateofmailingbyregisteredmailtothecommissioner,oronalaterdatespecifiedinthefiling. (f)Specificinlandmarineratesonrisksspeciallyrated,madebyaratingorganization,shallbefiledwiththecommissioner. (g)Anyinsurermaysatisfyitsobligationtomakeanysuchfilingsbybecomingamemberof,orasubscriberto,alicensedratingorganizationwhichmakessuchfilingsandbyauthorizingthecommissionertoacceptsuchfilingsonitsbehalf,providedthatnothingcontainedinthischaptershallbeconstruedasrequiringanyinsurertobecomeamemberoforasubscribertoanyratingorganizationorasrequiringanymemberorsubscribertoauthorizethecommissionertoacceptsuchfilingsonitsbehalf. (h)Everyinsurerwhichisamemberoforasubscribertoaratingorganizationshallbedeemedtohaveauthorizedthecommissionertoacceptonitsbehalfallfilingsmadebytheratingorganizationwhicharewithinthescopeofitsmembershiporsubscribership,provided:0 0m  (1)thatanysubscribermaywithdraworterminatesuchauthorization,eithergenerallyorforindividualfilings,bywrittennoticetothecommissionerandtotheratingorganizationandmaythenmakeitsownindependentfilingsforanykindsofinsurance,orsubdivisions,orclassesofrisks,orpartsorcombinationsofanyoftheforegoing,withrespecttowhichithaswithdrawnorterminatedsuchauthorization,ormayrequesttheratingorganization,withinitsdiscretion,tomakeanysuchfilingonanagencybasissolelyonbehalfoftherequestingsubscriber;and m m  0 0m  (2)thatanymembermayproceedinthesamemannerasasubscriberunlesstheratingorganizationshallhaveadoptedarule,withtheapprovalofthecommissioner: m m  0 0m  0 m m (A)requiringamember,beforemakinganindependentfiling,firsttorequesttheratingorganizationtomakesuchfilingonitsbehalfandrequiringtheratingorganization,withinthirty(30)daysafterreceiptofsuchrequest,either:    0 0m  0 m m 0   (i)tomakesuchfilingasaratingorganizationfiling;    0 0m  0 m m 0   (ii)tomakesuchfilingonanagencybasissolelyonbehalfoftherequestingmember;or    0 0m  0 m m 0   (iii)todeclinetherequestofsuchmember;and    0 0m  0 m m (B)excludingfrommembershipanyinsurerwhichelectstomakeanyfilingwhollyindependentlyoftheratingorganization.     (i)Undersuchrulesas he thecommissioner shalladopt,the )(&, commissionermay,bywrittenorder,suspendormodifytherequirementoffilingastoanykindsofinsurance,orsubdivision,orclassesofrisk,orpartsorcombinationsofanyoftheforegoing,theratesforwhichcannotpracticablybefiledbeforetheyareused.Suchordersandrulesshallbemadeknowntoinsurersandratingorganizationsaffectedthereby.Thecommissionermaymakesuch .^+2 examinationas he thecommissioner maydeemadvisabletoascertain z whetheranyratesaffectedbysuchorderareexcessive,inadequate,orunfairlydiscriminatory. (j)Uponthewrittenapplicationoftheinsured,stating his the  insured's reasonstherefor,filedwiththecommissioner,aratein | excessofthatprovidedbyafilingotherwiseapplicablemaybeusedonanyspecificrisk. (k)Aninsurershallnotmakeorissueapolicyorcontractexceptinaccordancewithfilingswhichareineffectforthatinsurerorinaccordancewiththeprovisionsofthischapter.Subjecttotheprovisionsofsection6ofthischapter,anyrates,ratingplans,rules,classifications,orsystemsineffectonMay31,1967,shallbecontinuedineffectuntilwithdrawnbytheinsurerorratingorganizationwhichfiledthem. (l)Thecommissionershallhavetherighttomakeaninvestigationandtoexaminethepertinentfilesandrecordsofanyinsurer,insurance    agent, producer, orinsuredinordertoascertaincompliancewithany `  filingforrateorcoveragewhichisineffect. He Thecommissioner @  shallhavetherighttosetupproceduresnecessarytoeliminate   noncompliance,whetheronanindividualpolicy,orbecauseofasystemofapplyingchargesordiscountswhichresultsinfailuretocomplywithsuchfiling. (m)Thedepartmentmayadoptrulesto:0 0m  (1)implementtheexemptionundersubsection(b); m m  0 0m  (2)imposedisclosurerequirementsthecommissionerdeterminesarenecessarytoadequatelyprotectexemptcommercialpolicyholders;and m m  0 0m  (3)establishtheformofthereportrequiredbysubsection(n). m m   (n)EachinsurerwhoissuesinsurancetoanexemptcommercialpolicyholdershallfileanannualreportwiththedepartmentbyFebruary1ofeachyear.Theannualreportmaynotdisclosetheidentityofanexemptcommercialpolicyholderandmustincludeonlythefollowinginformationregardingeachexemptcommercialpolicyholder:0 0m  (1)Theaccountnumber,policynumber,orothernumberusedbytheinsurertoidentifytheinsured. m m  0 0m  (2)Theamountofaggregateannualcommercialpremium. m m  0 0m  (3)Theinceptiondateandexpirationdateofcommercialinsurancecoverageprovidedbytheinsurer. m m  0 0m  (4)Thecriteriainsection2.5(a)(3)ofthischapterusedtoestablishtheentityasanexemptcommercialpolicyholder. m m   (o)Theannualreportfiledundersubsection(n)mustbeaccompaniedbythefeeprescribedby4lartWE  5  IC27-1-3-1564jWEHjest  7requsj(e).Forpurposesofcalculatingtherequiredfee,eachpolicypurchasedbyanexemptcommercialpolicyholdershallbeconsideredaproductfilingunder4requWE  5  IC27-1-3-156xkWEkest  7requk(e).v  SECTION23.4mrequWE  5  IC27-1-22-56WlWEklest  7requlԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.5.(a)Upon his own the F,*2 commissioner's motion,oruponwrittenrequestbyanyinsured &-+3 affectedtherebyorbyanylicensedinsurance agent producer or .,4 broker,ifsuchrequestismadeingoodfaithandstatesreasonable .t-5 grounds,thecommissioner,if he thecommissioner shallhavereason z tobelievethatanyfilingisnotincompliancewiththeapplicableprovisionsofsection3ofthischapter,orinthecaseofanallegedviolationofsection6ofthechapterif he thecommissioner findson  thebasisoftheinformationonfilewiththedepartmentthattherehasbeenaprimafacieshowingofaviolationofthatsection,shallholdahearinguponnotlessthanten(10)dayswrittennoticetotheratingorganizationorinsurerwhichmadethefilinginissue,specifyingtheitemsandmatterstobeconsideredandstatinginwhatmannerandtowhatextentnoncomplianceisallegedtoexist.Noothermatterorsubjectshallbeconsideredatsuchhearing.Onlytheratingorganizationorinsurerwhichmadesuchfilingandthecommissionermaybepartiestoanyhearingortoanyjudicialappealresultingtherefrom.Withinareasonabletime,thecommissionershallnotifyeverypersonmakingrequestasto his the decisionastothevalidityof (  therequestandsubsequentlyshallnotifyeverysuchpersonofanyactionwhichmaythereafterbetakenwithreferencetosuchrequest. (b)If,aftersuchhearing,thecommissionerfinds,baseduponapreponderanceoftheevidenceadducedatsuchhearingandmadeapartoftherecordthereof,thatsuchfilingisnotincompliancewiththeprovisionsofsection3ofthischapter, he thecommissioner shall ^ immediatelyissueawrittenordertothepartiesspecifyingindetailinwhatrespectsanduponwhatevidencesuchnoncomplianceexistsandstatingwhen,withinareasonableperiodthereafter,suchfilingshallbedeemednolongereffective.Saidordershallnotaffectanycontractpolicymadeorissuedpriortotheexpirationoftheperiodsetforthinsaidorder. (c)Ifaftersuchhearingthecommissionerfindsthatsuchfilingdoesnotviolatetheprovisionsofsection3ofthischapter, he the P commissioner shallimmediatelyissueawrittenordertotheparties 0 dismissingtheproceedings. (d)Thefindingandorderofthecommissionershallbemadewithinninety(90)daysafterthecloseofsuchhearingorwithinsuchreasonabletimeextensionsasmaybefixedbythecommissioner. (e)Nomanualofclassifications,rule,rate,ratingschedule,ratingplan,oranymodificationofanyoftheforegoingwhichestablishesstandardsformeasuringvariationsinhazardsorexpenseprovisions,orboth,whichhasbeenfiledpursuanttosection4ofthischaptershallbedisapprovediftheratesproducedtherebymeettherequirementsofsection3ofthischapter. (f)Allactionsofthecommissionerunderthischapterandallappealsfrom his thecommissioner's actionshallbegovernedbyIC4-21.5, '#) exceptwhereadifferentspecificprovisionismadeinthischapter.v  SECTION24.4orequWE  5  IC27-1-22-76zWEzring  7easu{ԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.7.(a)Whenafilingordeviationinvolvingarateadjustmentdependsuponachangeintherelationshipbetweentheproposedratesandtheanticipatedproductionexpenseportionthereoffromtherelationshipanticipatedunderanyratespreviouslyfiledandcurrentlyineffectforthecompanyorratingorganizationinvolved,suchfilingordeviationshallbesubjecttotheprovisionsofsubsection(b). .r-5  (b)Eachfilingordeviationsubjecttothissectionshallbeonfileforawaitingperiodoftwenty(20)daysbeforeitbecomeseffective.Ifwithinsuchwaitingperiodorafterhearingasprovidedinthissection,thecommissionerfindsthatthefilingordeviationdoesnotmeettherequirementsofthischapter, he thecommissioner shallsendtothe x insurerorratingorganizationwhichmadethefilingortotheinsurerwhichfiledthedeviationwrittennoticeofdisapprovalspecifyingthereininwhatrespectsthefilingordeviationfailstomeettherequirementsofthischapterandstatingthatthesameshallnotbecomeeffective.Suchfilingordeviationshallbedeemedtomeettherequirementsofthisactunlessdisapproved:0 0m  (1)withinsuchwaitingperiod;or m m  0 0m  (2)ifahearinghasbeencalledandwrittennoticethereofgivenbythecommissionerduringsuchwaitingperiod,thenwithinten(10)daysafterthedateofcommencementofsuchhearing. m m  Upon his thecommissioner's ownmotion,orupontimelywritten ~  requestbyany agent insuranceproducer orbrokerofthecompanyor ^  companiestowhichsuchfilingordeviationisapplicable,ifsuchrequestisingoodfaithandstatesreasonablegrounds,thecommissionermayatanytimewithinthewaitingperiodcallahearinguponnotlessthanten(10)normorethanfifteen(15)dayswrittennoticetothecompanyorratingorganizationmakingthefilingortothecompanyfilingthedeviation.Withinten(10)daysafterthecommencementofsuchhearing,thecommissionershallinwritingeitherapprovesuchfilingordeviationorshalldisapprovethesameasprovidedinthissection.v  SECTION25.4qeasuWE  5  IC27-1-22-186لWEring  7easuԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.18.Noinsurer,broker,or agent insuranceproducer shallknowinglycharge,demand,or V receiveapremiumforanypolicyofinsuranceexceptinaccordancewiththeprovisionsofthischapter.Noinsureroremployeethereof,andnobrokeror agent insuranceproducer shallpay,allow,orgive, d" directlyorindirectly,asaninducementtoinsurance,orafterinsurancehasbeeneffected,anyrebate,discount,abatement,credit,orreductionofthepremiumnamedinapolicyofinsurance,oranyspecialfavororadvantageinthedividendsorotherbenefitstoaccruethereon,oranyvaluableconsiderationorinducementwhatever,notspecifiedinthepolicyofinsurance,excepttotheextentprovidedforinapplicablefilings.Noinsurednamedinanypolicyofinsuranceshallknowinglyreceiveoraccept,directlyorindirectly,anysuchrebate,discount,abatement,creditorreductionofpremium,oranysuchspecialfavororadvantageorvaluableconsiderationorinducement.Nothinginthissectionshallbeconstruedasprohibitingthepaymentof,norpermittingtheregulationofthepaymentof,commissionsorothercompensationtodulylicensed agents insuranceproducers andbrokers,noras ):(/ prohibiting,orpermittingtheregulationof,anyinsurerfromallowingorreturningtoitsparticipatingpolicyholdersormembers,dividendsorsavings.v  SECTION26.4seasuWE  5  IC27-1-22-196WEring  7easu܋ԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.19.Nothinginthischapterabridgesorrestrictsthefreedomofcontractofinsurers, agents,  .x/8  insuranceproducers, orbrokerswithreferencetotheamountof z commissiontobepaidto agents insuranceproducers orbrokersby Z insurers,andsuchpaymentsareexpresslyauthorized.v  SECTION27.4ueasuWE  5  IC27-1-25-16!WE5ring  7easu`,ASAMENDEDBYP.L.132-2001,SECTION7,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.1.Asusedinthischapter: (a)"Administrator",exceptasprovidedinsection7.5ofthischapter,meansapersonwhocollectschargesorpremiumsfrom,orwhoadjustsorsettlesclaimson,residentsofIndianainconnectionwithlifeorhealthcoverageorannuities,whetherprovidedforbyaninsureroraself-fundedplan.Theterm"administrator"doesnotincludethefollowingpersons:0 0m  (1)Anemployerforitsemployeesorfortheemployeesofasubsidiaryoraffiliatedcorporationoftheemployer. m m  0 0m  (2)Aunionforitsmembers. m m  0 0m  (3)Aninsurer,including: m m  0 0m  0 m m (A)aninsureroperatingahealthmaintenanceorganizationoralimitedservicehealthmaintenanceorganization;and    0 0m  0 m m (B)thesalesrepresentativeofaninsureroperatingahealthmaintenanceorganizationoralimitedservicehealthmaintenanceorganizationwhenthatsalesrepresentativeislicensedinIndianaandwhenitisengagedintheperformanceofitsdutiesasthesalesrepresentative.    0 0m  (4)Alifeorhealthinsurance agent producer licensedunder p 4weasuWE  5  IC27-1-15.66WEÔring  7easuԀwhoseactivitiesarelimitedexclusivelytothesaleofinsurance. m m  0 0m  (5)Acreditorforitsdebtorsregardinginsurancecoveringadebtbetweenthem. m m  0 0m  (6)Atrustestablishedunder29U.S.C.186andthetrustees,agents,andemployeesactingpursuanttothattrust. m m  0 0m  (7)AtrustthatisexemptfromtaxationunderSection501(a)oftheInternalRevenueCodeand: m m  0 0m  0 m m (A)thetrusteesandemployeesactingpursuanttothattrust;or    0 0m  0 m m (B)acustodianandtheagentsandemployeesofthecustodianactingpursuanttoacustodianaccountthatmeetstherequirementsofSection401(f)oftheInternalRevenueCode.    0 0m  (8)Afinancialinstitutionthatissubjecttosupervisionorexaminationbyfederalorstatebankingauthorities. m m  0 0m  (9)Acreditcardissuingcompanythatadvancesforandcollectspremiumsorchargesfromitscreditcardholdersaslongasthatcompanydoesnotadjustorsettleclaims. m m  0 0m  (10)Anindividualwhoadjustsorsettlesclaimsinthenormalcourseof his theindividual's practiceoremploymentasan 'z&- attorneyatlaw,andwhodoesnotcollectchargesorpremiumsinconnectionwithlifeorhealthinsurancecoverageorannuities. m m  0 0m  (11)AhealthmaintenanceorganizationthathasacertificateofauthorityissuedunderIC27-13. m m  0 0m  (12)AlimitedservicehealthmaintenanceorganizationthathasacertificateofauthorityissuedunderIC27-13. m m   (b)"Certificateofregistration"referstothecertificaterequiredbysection11ofthischapter. .l-5  (c)"Commissioner"referstothecommissionerofinsurance. (d)"Financialinstitution"meansabank,savingsassociation,creditunion,oranyotherinstitutionregulatedunderIC28orfederallaw. (e)"Insurer"meansapersonwhoobtainsacertificateofauthorityunder4yeasuWE  5  IC27-1-3-20.6֞WEring  7easu (f)"Person"meansanindividual,acorporation,apartnership,alimitedliabilitycompany,oranunincorporatedassociation. (g)"Self-fundedplan"meansaplanforprovidingbenefitsforlife,health,orannuitycoveragebyapersonwhoisnotaninsurer.v  SECTION28.4{easuWE  5  IC27-1-27-16͠WEndt  7ana ,ASAMENDEDBYHEA1692-2003,SECTION6,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.1.(a)Theterm"publicadjuster"shallincludeeveryindividualorcorporationwho,orwhich,forcompensationorreward,rendersadviceorassistancetotheinsuredintheadjustmentofaclaimorclaimsforlossordamagesunderanypolicyofinsurancecoveringrealorpersonalpropertyandanypersonorcorporationwho,orwhich,advertises,solicitsbusiness,orholdsitselfouttothepublicasanadjusterofsuchclaims.However,nopublicadjustershall:0 0m  (1)actinanymannerinrelationtoclaimsforpersonalinjuryorautomobilepropertydamage;or m m  0 0m  (2)bindtheinsuredinthesettlementofclaims. m m   (b)Thischapterdoesnotapplyto,andthefollowingarenotincludedintheterm"publicadjuster":0 0m  (1)AnattorneyatlawadmittedtopracticeinthestateofIndianawhoadjustsinsurancelossesinthecourseofthepracticeof his the J attorney's profession.*m m  0 0m  (2)Anofficer,regularsalariedemployee,orotherrepresentativeofaninsurerorofanattorneyinfactofanyreciprocalinsurerofLloyd'sunderwriterlicensedtodobusinessinIndianawhoadjustslossesarisingunder his an employer'sorprincipal'sownpolicies.2 m m  0 0m  (3)Anadjustmentbureauorassociationownedandmaintainedbyinsurerstoadjustorinvestigatelossesofsuchinsurers,oranyregularsalariedemployeewhodevotessubstantiallyall of his the @# employee's timetothebusinessofsuchbureauorassociation. $m m  0 0m  (4)Anylicensed agent insuranceproducer oranauthorized !% insurerorofficeroremployeeofthesamewhoadjustslossesforsuchinsurer,andany agent insuranceproducer orrepresentative "L!' ofafarmmutualinsurancecompanyoperatingunderthefarmmutualinsurancelawsofthisstateonbehalfofaninsurer. m m  0 0m  (5)Anyindependentadjusterrepresentinganinsurer. m m  v  SECTION29.4}anaWE  5  IC27-1-27-46,WE@ndt  7anakԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.4.(a)Eachapplicantforacertificateofauthorityasapublicadjustershallfilewiththecommissionerofinsurance his, or its, an applicationthereforonforms (h)1 furnishedbythecommissionerofinsurance,whichapplicationshallsetforth:0 0m  (1)thenameandaddressoftheapplicant,andiftheapplicantbeacorporation,thenameandaddressofeachofitsofficersanddirectors; m m  0 0m  (2)whetherthepersonisapplyingasaresidentornonresident; m m  0 0m  (3)whetheranylicenseorcertificateofauthorityas agent,  .|/8  insuranceproducer, broker,publicadjuster,orindependent z adjusterhasbeenissuedpreviouslybythecommissionerofinsuranceofthestateofIndianaorbytheinsurancedepartmentofanyotherstate,anyterritorialpossessionoftheUnitedStates,oranyforeigncountrytotheapplicant;and m m  0 0m  (4)thebusinessoremploymentinwhichtheapplicanthasbeenengagedforthefive(5)yearsnextprecedingthedateoftheapplication,andthenameandaddressofsuchbusinessandthenameornamesandaddressesof his theapplicant's employeror l  employers. m m   (b)Anapplicationforanycertificateofauthoritymustbesignedandverifiedunderoathbytheapplicant. (c)Anannualfeeoffiftydollars($50)istobepaidtothecommissionerofinsurancebytheapplicantforsuchpublicadjuster'scertificateofauthoritybeforetheapplicationorannualrenewalthereofisgranted.However,thecommissionermay,byruleadoptedunder4anaWE  5  IC4-22-263WEGndt  7anar,changetheamountofthefeetoanamountnecessarytopayallofthedirectandindirectcostsofadministeringthischapter.Feescollectedshallbeusedbythedepartmenttoadministerthischapter. (d)Everypublicadjuster'scertificateofauthorityshallexpireonDecember31ofthecalendaryearinwhichthesameshallhavebeenissued,butifanapplicationfortherenewalofsuchcertificateshallhavebeenfiledwiththecommissionerofinsurancebeforeJanuary1ofanyyear,thecertificateofauthoritysoughttoberenewedshallcontinueinfullforceandeffectuntiltheissuancebythecommissionerofinsuranceofthenewcertificateappliedfororuntilfive(5)daysafterthecommissionerofinsuranceshallhaverefusedtoissuesuchnewcertificateandshallhaveservednoticeofsuchrefusalontheapplicanttherefor.Serviceofsuchnoticeshallbemadebyregisteredmaildirectedtotheapplicantattheplaceofbusinessspecifiedintheapplication. (e)Theapplicantshallfilewiththecommissionerofinsuranceasuretybondinasumequaltotenthousanddollars($10,000)payabletothestateofIndianaandconditionedontheprincipal'sfaithfulperformanceanddischargeof his theprincipal's dutiesunderthistitle  " andunderanyruleofthedepartmentofinsurance.Thebondmustberenewedannually.v  SECTION30.4anaWE  5  IC27-1-34-86WEeco  7hthƹԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.8.(a)Areinsurermaynotissueapolicyofinsurancetoamultipleemployerwelfarearrangementthatdoesnothaveacertificateofregistrationfromthedepartment. (b)An agent insuranceproducer licensedbythedepartmentmay 'z&- notsolicit,offer,orprovidecoveragethroughamultipleemployerwelfarearrangementthatdoesnothaveacertificateofregistrationfromthedepartment. (c)Areinsureror agent insuranceproducer whoknowsor f+)1 reasonablyshouldhaveknownthatthearrangementdoesnothaveacurrentcertificateofregistrationisliableforanyclaimsforbenefitsthataredueandunpaid.v  SECTION31.4hthWE  5  IC27-1-36-466ZWEneco  7hthԀISAMENDEDTOREADAS .v/8 FOLLOWS[EFFECTIVEJULY1,2003]:Sec.46.(a)Thecomparisonofaninsurer'stotaladjustedcapitaltoanyofitsRBClevelsisaregulatorytoolthatmayindicatetheneedforpossiblecorrectiveactionwithrespecttotheinsureranditisnotintendedasameanstorankinsurersgenerally.Exceptasprovidedinsubsection(b),theactionofaninsurer,an agent, insuranceproducer, abroker,orotherperson V engagedinanymannerintheinsurancebusiness,in:0 0m  (1)making,publishing,disseminating,circulating,orplacingbeforethepublic;or m m  0 0m  (2)causing,directlyorindirectlytobemade,published,disseminated,circulated,orplacedbeforethepublic,inanewspaper,magazine,orotherpublication,orintheformofanotice,circular,pamphlet,letter,orposter,oroveranyradioortelevisionstation,orinanyotherway; m m  anadvertisement,anannouncement,orastatementcontaininganassertion,arepresentation,orastatementregardingtheRBClevelofaninsureroranycomponentderivedinthecalculationoftheRBClevelofaninsurerismisleadingandisprohibited. (b)If:0 0m  (1)amateriallyfalsestatementwithrespecttothecomparisonregardinganinsurer'stotaladjustedcapitaltoanRBCleveloftheinsureroraninappropriatecomparisonofanyotheramounttotheinsurer'sRBClevelsispublishedinanywrittenpublication;and m m  0 0m  (2)theinsurerisabletodemonstratetothecommissionerwithsubstantialproofthe: m m  0 0m  0 m m (A)falsity;or    0 0m  0 m m (B)inappropriateness;    0 0m  ofthestatement; m m  theinsurermaypublishanannouncementinawrittenpublicationifthesolepurposeoftheannouncementistorebutthemateriallyfalsestatement.v  SECTION32.4hthWE  5  IC27-2-17-36WEeco  7hthԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.3.Asusedinthischapter,"independent agent" insuranceproducer" meansan agent   $  insuranceproducer who:  % 0 0m  (1)representsaninsurerinthesaleofinsuranceasanindependentcontractorratherthanasanemployee;and m m  0 0m  (2)isnotlimitedtorepresenting: m m  0 0m  0 m m (A)one(1)insurer;or    0 0m  0 m m (B)severalinsurersthatareundercommonmanagement.    v  SECTION33.4hthWE  5  IC27-2-17-66TWEheco  7hthԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.6.(a)Aninsurancecompanythatissuespropertyorcasualtyinsuranceshallnotdiscriminateintheappointmentofanindependent agent insurance (`)1 producer onthebasisofrace,color,nationalorigin,orgender. )@*2  (b)Exceptasprovidedinsubsection(c),thedepartmenthasexclusivejurisdictiontoinvestigateanycomplaintsofdiscriminationintheappointmentofindependent agents insuranceproducers in F,,5 violationofsubsection(a). (c)Ifthecommissionerofthedepartmentdeterminesafterahearingthataninsurancecompanyhasviolatedsubsection(a),the .x/8 commissionermayorderone(1)ofthefollowingremedies:0 0m  (1)Paymentofacivilpenaltyofnotmorethantwothousanddollars($2,000)foreachviolation. m m  0 0m  (2)Suspensionorrevocationoftheinsurancecompany'scertificateofauthorityifthecommissionerdeterminesthattheviolationwaswillfulorwantonandthatsimilarviolationshavebeencommittedbythatcompanywithafrequencythatconstitutesageneralbusinesspractice. m m  0 0m  (3)Anyotherremedyagreedtobythedepartmentandtheinsurancecompany. m m   (d)AnydeterminationmadebythecommissionerunderthissectionissubjecttoIC4-21.5. (e)FindingsofthedepartmentunderthissectionmaynotbeconsideredasevidenceinanycivilactionotherthananappealasprovidedunderIC4-21.5.v  SECTION34.4hthWE  5  IC27-4-1-26WEeco  7hth,ASAMENDEDBYHEA1692-2003,SECTION7,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.2.Whenandasusedinthischapter: (a)Theterm"person"shallmeananyindividual,corporation,companyincludinganyfarmmutualinsurancecompany,association,partnership,firm,reciprocalexchange,inter-insurer,Lloydsinsurers,society,fraternalbenefitsociety,lodge,order,council,corps,andanyotherassociationorlegalentity,engagedinthebusinessofinsurance,includingbutnotinlimitationoftheforegoing, agents, insurance l producers, brokers,solicitors,advisors,auditors,andadjusters. L  (b)"Department"shallmeanthedepartmentofinsuranceofthisstatecreatedanddefinedasadepartmentinthestategovernmentofthestateofIndianabyIC27-1. (c)"Commissioner"shallmeantheinsurancecommissionerofthisstateappointedpursuantto,andonandinwhomthepowers,duties,management,andcontrolofthedepartmentareconferredandvestedby,theprovisionsofIC27-1.v  SECTION35.4hthWE  5  IC27-4-1-46WEeco  7hth<,ASAMENDEDBYP.L.130-2002,SECTION3,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.4.Thefollowingareherebydefinedasunfairmethodsofcompetitionandunfairanddeceptiveactsandpracticesinthebusinessofinsurance:0 0m  (1)Making,issuing,circulating,orcausingtobemade,issued,orcirculated,anyestimate,illustration,circular,orstatement: m m  0 0m  0 m m (A)misrepresentingthetermsofanypolicyissuedortobeissuedorthebenefitsoradvantagespromisedtherebyorthedividendsorshareofthesurplustobereceivedthereon;    0 0m  0 m m (B)makinganyfalseormisleadingstatementastothedividendsorshareofsurpluspreviouslypaidonsimilarpolicies;    0 0m  0 m m (C)makinganymisleadingrepresentationoranymisrepresentationastothefinancialconditionofanyinsurer,orastothelegalreservesystemuponwhichanylifeinsureroperates;    0 0m  0 m m (D)usinganynameortitleofanypolicyorclassofpoliciesmisrepresentingthetruenaturethereof;or    0 0m  0 m m (E)makinganymisrepresentationtoanypolicyholderinsuredin .p/8 anycompanyforthepurposeofinducingortendingtoinducesuchpolicyholdertolapse,forfeit,orsurrender his the X policyholder's insurance.8   0 0m  (2)Making,publishing,disseminating,circulating,orplacingbeforethepublic,orcausing,directlyorindirectly,tobemade,published,disseminated,circulated,orplacedbeforethepublic,inanewspaper,magazine,orotherpublication,orintheformofanotice,circular,pamphlet,letter,orposter,oroveranyradioortelevisionstation,orinanyotherway,anadvertisement,announcement,orstatementcontaininganyassertion,representation,orstatementwithrespecttoanypersonintheconductof his theperson's insurancebusiness,whichisuntrue,   deceptive,ormisleading. m m  0 0m  (3)Making,publishing,disseminating,orcirculating,directlyorindirectly,oraiding,abetting,orencouragingthemaking,publishing,disseminating,orcirculatingofanyoralorwrittenstatementoranypamphlet,circular,article,orliteraturewhichisfalse,ormaliciouslycriticaloforderogatorytothefinancialconditionofaninsurer,andwhichiscalculatedtoinjureanypersonengagedinthebusinessofinsurance. m m  0 0m  (4)Enteringintoanyagreementtocommit,orindividuallyorbyaconcertedactioncommittinganyactofboycott,coercion,orintimidationresultingortendingtoresultinunreasonablerestraintof,oramonopolyin,thebusinessofinsurance. m m  0 0m  (5)Filingwithanysupervisoryorotherpublicofficial,ormaking,publishing,disseminating,circulating,ordeliveringtoanyperson,orplacingbeforethepublic,orcausingdirectlyorindirectly,tobemade,published,disseminated,circulated,deliveredtoanyperson,orplacedbeforethepublic,anyfalsestatementoffinancialconditionofaninsurerwithintenttodeceive.Makinganyfalseentryinanybook,report,orstatementofanyinsurerwithintenttodeceiveanyagentorexaminerlawfullyappointedtoexamineintoitsconditionorintoanyofitsaffairs,oranypublicofficialtowhichsuchinsurerisrequiredbylawtoreport,orwhichhasauthoritybylawtoexamineintoitsconditionorintoanyofitsaffairs,or,withlikeintent,willfullyomittingtomakeatrueentryofanymaterialfactpertainingtothebusinessofsuchinsurerinanybook,report,orstatementofsuchinsurer. m m  0 0m  (6)Issuingordeliveringorpermittingagents,officers,oremployeestoissueordeliver,agencycompanystockorothercapitalstock,orbenefitcertificatesorsharesinanycommonlawcorporation,orsecuritiesoranyspecialoradvisoryboardcontractsorothercontractsofanykindpromisingreturnsandprofitsasaninducementtoinsurance. m m  0 0m  (7)Makingorpermittinganyofthefollowing: m m  0 0m  0 m m (A)Unfairdiscriminationbetweenindividualsofthesameclassandequalexpectationoflifeintheratesorassessmentschargedforanycontractoflifeinsuranceoroflifeannuityorinthedividendsorotherbenefitspayablethereon,orinanyotherofthetermsandconditionsofsuchcontract;however,indeterminingtheclass,considerationmaybegiventothenature .b+2 oftherisk,planofinsurance,theactualorexpectedexpenseofconductingthebusiness,oranyotherrelevantfactor.    0 0m  0 m m (B)Unfairdiscriminationbetweenindividualsofthesameclassinvolvingessentiallythesamehazardsintheamountofpremium,policyfees,assessments,orrateschargedormadeforanypolicyorcontractofaccidentorhealthinsuranceorinthebenefitspayablethereunder,orinanyofthetermsorconditionsofsuchcontract,orinanyothermannerwhatever;however,indeterminingtheclass,considerationmaybegiventothenatureoftherisk,theplanofinsurance,theactualorexpectedexpenseofconductingthebusiness,oranyotherrelevantfactor.    0 0m  0 m m (C)Excessiveorinadequatechargesforpremiums,policyfees,assessments,orrates,ormakingorpermittinganyunfairdiscriminationbetweenpersonsofthesameclassinvolvingessentiallythesamehazards,intheamountofpremiums,policyfees,assessments,orrateschargedormadefor:    0 0m  0 m m 0   (i)policiesorcontractsofreinsuranceorjointreinsurance,orabstractandtitleinsurance;    0 0m  0 m m 0   (ii)policiesorcontractsofinsuranceagainstlossordamagetoaircraft,oragainstliabilityarisingoutoftheownership,maintenance,oruseofanyaircraft,orofvesselsorcraft,theircargoes,marinebuilders'risks,marineprotectionandindemnity,orotherriskscommonlyinsuredundermarine,asdistinguishedfrominlandmarine,insurance;or    0 0m  0 m m 0   (iii)policiesorcontractsofanyotherkindorkindsofinsurancewhatsoever.    0 0m  However,nothingcontainedinclause(C)shallbeconstruedtoapplytoanyofthekindsofinsurancereferredtoinclauses(A)and(B)nortoreinsuranceinrelationtosuchkindsofinsurance.Nothinginclause(A),(B),or(C)shallbeconstruedasmakingorpermittinganyexcessive,inadequate,orunfairlydiscriminatorychargeorrateoranychargeorratedeterminedbythedepartmentorcommissionertomeettherequirementsofanyotherinsurancerateregulatorylawofthisstate. m m  0 0m  (8)Exceptasotherwiseexpresslyprovidedbylaw,knowinglypermittingorofferingtomakeormakinganycontractorpolicyofinsuranceofanykindorkindswhatsoever,includingbutnotinlimitation,lifeannuities,oragreementastosuchcontractorpolicyotherthanasplainlyexpressedinsuchcontractorpolicyissuedthereon,orpayingorallowing,orgivingorofferingtopay,allow,orgive,directlyorindirectly,asinducementtosuchinsurance,orannuity,anyrebateofpremiumspayableonthecontract,oranyspecialfavororadvantageinthedividends,savings,orotherbenefitsthereon,oranyvaluableconsiderationorinducementwhatevernotspecifiedinthecontractorpolicy;orgiving,orselling,orpurchasingorofferingtogive,sell,orpurchaseasinducementtosuchinsuranceorannuityorinconnectiontherewith,anystocks,bonds,orothersecuritiesofanyinsurancecompanyorothercorporation,association,limitedliabilitycompany,orpartnership,oranydividends,savings,orprofitsaccruedthereon,oranythingofvaluewhatsoevernotspecifiedin .\+2 thecontract.Nothinginthissubdivisionandsubdivision(7)shallbeconstruedasincludingwithinthedefinitionofdiscriminationorrebatesanyofthefollowingpractices: m m  0 0m  0 m m (A)Payingbonusestopolicyholdersorotherwiseabatingtheirpremiumsinwholeorinpartoutofsurplusaccumulatedfromnonparticipatinginsurance,solongasanysuchbonusesorabatementofpremiumsarefairandequitabletopolicyholdersandforthebestinterestsofthecompanyanditspolicyholders.    0 0m  0 m m (B)Inthecaseoflifeinsurancepoliciesissuedontheindustrialdebitplan,makingallowancetopolicyholderswhohavecontinuouslyforaspecifiedperiodmadepremiumpaymentsdirectlytoanofficeoftheinsurerinanamountwhichfairlyrepresentsthesavingincollectionexpense.    0 0m  0 m m (C)Readjustmentoftherateofpremiumforagroupinsurancepolicybasedonthelossorexpenseexperiencethereunder,attheendofthefirstyearorofanysubsequentyearofinsurancethereunder,whichmaybemaderetroactiveonlyforsuchpolicyyear.    0 0m  0 m m (D)Payingbyaninsureror agent insuranceproducer thereof  dulylicensedassuchunderthelawsofthisstateofmoney,commission,orbrokerage,orgivingorallowingbyaninsurerorsuchlicensed agent insuranceproducer thereofanythingof 8 value,fororonaccountofthesolicitationornegotiationofpoliciesorothercontractsofanykindorkinds,toabroker, agent, insuranceproducer, orsolicitordulylicensedunderthe N lawsofthisstate,butsuchbroker, agent, insuranceproducer, .  orsolicitorreceivingsuchconsiderationshallnotpay,give,or  allowcreditforsuchconsiderationasreceivedinwholeorinpart,directlyorindirectly,totheinsuredbywayofrebate.    0 0m  (9)Requiring,asaconditionprecedenttoloaningmoneyuponthesecurityofamortgageuponrealproperty,thattheownerofthepropertytowhomthemoneyistobeloanednegotiateanypolicyofinsurancecoveringsuchrealpropertythroughaparticularinsurance agent producer orbrokerorbrokers.However,this  ! subdivisionshallnotpreventtheexercisebyanylenderof its or his  !"  the righttoapproveordisapproveoftheinsurancecompany !d# selectedbytheborrowertounderwritetheinsurance. m m  0 0m  (10)Enteringintoanycontract,combinationintheformofatrustorotherwise,orconspiracyinrestraintofcommerceinthebusinessofinsurance. m m  0 0m  (11)Monopolizingorattemptingtomonopolizeorcombiningorconspiringwithanyotherpersonorpersonstomonopolizeanypartofcommerceinthebusinessofinsurance.However,participationasamember,director,orofficerintheactivitiesofanynonprofitorganizationof agents insuranceproducers orotherworkersin )4&, theinsurancebusinessshallnotbeinterpreted,initself,toconstituteacombinationinrestraintoftradeorascombiningtocreateamonopolyasprovidedinthissubdivisionandsubdivision(10).Theenumerationinthischapterofspecificunfairmethodsofcompetitionandunfairordeceptiveactsandpracticesinthebusinessofinsuranceisnotexclusiveorrestrictiveorintendedto .j+2 limitthepowersofthecommissionerordepartmentorofanycourtofreviewundersection8ofthischapter. m m  0 0m  (12)Requiringasaconditionprecedenttothesaleofrealorpersonalpropertyunderanycontractofsale,conditionalsalescontract,orothersimilarinstrumentoruponthesecurityofachattelmortgage,thatthebuyerofsuchpropertynegotiateanypolicyofinsurancecoveringsuchpropertythroughaparticularinsurancecompany, agent, insuranceproducer, orbrokeror   brokers.However,thissubdivisionshallnotpreventtheexercisebyanysellerofsuchpropertyortheonemakingaloanthereonof J    his, her, or its the righttoapproveordisapproveoftheinsurance (   companyselectedbythebuyertounderwritetheinsurance. m m  0 0m  (13)Issuing,offering,orparticipatinginaplantoissueoroffer,anypolicyorcertificateofinsuranceofanykindorcharacterasaninducementtothepurchaseofanyproperty,real,personal,ormixed,orservicesofanykind,whereachargetotheinsuredisnotmadeforandonaccountofsuchpolicyorcertificateofinsurance.However,thissubdivisionshallnotapplytoanyofthefollowing: m m  0 0m  0 m m (A)Insuranceissuedtocreditunionsormembersofcreditunionsinconnectionwiththepurchaseofsharesinsuchcreditunions.    0 0m  0 m m (B)Insuranceemployedasameansofguaranteeingtheperformanceofgoodsanddesignedtobenefitthepurchasersorusersofsuchgoods.    0 0m  0 m m (C)Titleinsurance.    0 0m  0 m m (D)Insurancewritteninconnectionwithanindebtednessandintendedasameansofrepayingsuchindebtednessintheeventofthedeathordisabilityoftheinsured.    0 0m  0 m m (E)Insuranceprovidedbyorthroughmotoristsserviceclubsorassociations.    0 0m  0 m m (F)Insurancethatisprovidedtothepurchaserorholderofanairtransportationticketandthat:    0 0m  0 m m 0   (i)insuresagainstdeathornonfatalinjurythatoccursduringtheflighttowhichtheticketrelates;    0 0m  0 m m 0   (ii)insuresagainstpersonalinjuryorpropertydamagethatoccursduringtraveltoorfromtheairportinacommoncarrierimmediatelybeforeoraftertheflight;    0 0m  0 m m 0   (iii)insuresagainstbaggagelossduringtheflighttowhichtheticketrelates;or    0 0m  0 m m 0   (iv)insuresagainstaflightcancellationtowhichtheticketrelates.    0 0m  (14)Refusing,becauseofthefor-profitstatusofahospitalormedicalfacility,tomakepaymentsotherwiserequiredtobemadeunderacontractorpolicyofinsuranceforchargesincurredbyaninsuredinsuchafor-profithospitalorotherfor-profitmedicalfacilitylicensedbythestatedepartmentofhealth. m m  0 0m  (15)Refusingtoinsureanindividual,refusingtocontinuetoissueinsurancetoanindividual,limitingtheamount,extent,orkindofcoverageavailabletoanindividual,orcharginganindividualadifferentrateforthesamecoverage,solelybecauseofthatindividual'sblindnessorpartialblindness,exceptwherethe .`+2 refusal,limitation,orratedifferentialisbasedonsoundactuarialprinciplesorisrelatedtoactualorreasonablyanticipatedexperience. m m  0 0m  (16)Committingorperforming,withsuchfrequencyastoindicateageneralpractice,unfairclaimsettlementpractices(asdefinedinsection4.5ofthischapter). m m  0 0m  (17)Betweenpolicyrenewaldates,unilaterallycancelinganindividual'scoverageunderanindividualorgrouphealthinsurancepolicysolelybecauseoftheindividual'smedicalorphysicalcondition. m m  0 0m  (18)Usingapolicyformorriderthatwouldpermitacancellationofcoverageasdescribedinsubdivision(17). m m  0 0m  (19)Violating4WE  5  IC27-1-22-256WEvor  7lfaԀor4lfaWE  5  IC27-1-22-266WEvor  7lfaԀconcerningmotorvehicleinsurancerates. m m  0 0m  (20)Violating4lfaWE  5  IC27-8-21-26WEvor  7lfaԀconcerningadvertisementsreferringtointerestrateguarantees. m m  0 0m  (21)Violating4lfaWE  5  IC27-8-24.36WEvor  7lfaԀconcerninginsuranceandhealthplancoverageforvictimsofabuse. m m  0 0m  (22)Violating4lfaWE  5  IC27-8-266 WE vor  7lfaF Ԁconcerninggeneticscreeningortesting. m m  0 0m  (23)Violating4lfaWE  5  IC27-1-15.6-36!WE3!vor  7lfa^!(b)concerninglicensureofinsuranceproducers. m m  0 0m  (24)Violating4lfaWE  5  IC27-1-386B"WEV"vor  7lfa"Ԁconcerningdepositoryinstitutions. m m  0 0m   (25)Violating4lfaWE  5  IC27-8-28-176X#WEl#vor  7lfa#(c)or4lfaWE  5  IC27-13-10-86 $WE$vor  7lfaJ$(c)concerning  theresolutionofanappealedgrievancedecision. jm m  v  SECTION36.4lfaWE  5  IC27-4-3-16\%WEp%amo  7the%ԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.1.Itisherebydeclaredunlawfulforanytwo(2)ormoreinsurancecompanieswritingthesameclass,orclasses,ofrisksanddoingbusinessinthisstate,directlyorindirectly,toenterintoanyarrangement,contract,agreement,understanding,combinationorassociationtorequire,coerceorinduceany agent  *   insuranceproducer orrepresentativeofanytwo(2)ormoreofsuch z! insurancecompanieswithinthestateofIndianatorefrainfromrepresentingothersuchinsurancecompanies,ortoaffordanyadvantagetoany such agent insuranceproducer torefrainfrom  $ representingothersuchinsurancecompaniesortoimposeupon such   %  agent theinsuranceproducer anydisadvantagebyreasonof his the !b & insuranceproducer's actingasrepresentativeofothersuchinsurance "B!' companies.v  SECTION37.4theWE  5  IC27-4-3-269*WEM*amo  7thex*ԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.2. (a) It shall be is unlawfulforany P%%- insurance agent producer representingoractingfortwo(2)ormore 0&&. insurancecompanieswritingthesameclassorclasses,ofriskstoenter,eitherdirectlyorindirectly,intoanyagreement,arrangement,contractorunderstandingwithone(1)ormoreofsuchcompaniesthat he the (b)1 insuranceproducer willrefrainfromrepresentinganyotherlike )B*2 companyorcompanies,andit shall be is unlawfulforanysuch *"+3 insurancecompany,nothavingacontractrequiringan agent insurance l+,4 producer torepresent it theinsurancecompany alone,inanymanner L,,5 torequire,coerce,orinduceany agent insuranceproducer torefrain ,--6  fromrepresentinganyotherlikecompanyorcompanies.  ..7   m Provided, however, That this shall not be construed to (b)This z  sectiondoesnot preventanyinsurancecompanyor agent insurance Z producer fromatanytimeenteringintoabonafidecontractwhereby :  such agent aninsuranceproducer agreesthat he theinsurance  producer willthereafterrepresentasinglecompanyexclusively.  v  SECTION38.4theWE  5  IC27-4-3-36o1WE1amo  7the1ԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.3.Forviolationofanyprovisionofthischapter,thelicenseoftheoffendingcompanyor agent insurance  $  producer totransactthebusinessofinsurancewithinthestateof v   Indianashallbesuspendedforaperiodofthree(3)years.Wheneverinformationofanysuchviolationshallcometotheknowledgeofthecommissionerofinsurance, he thecommissioner shallissueanorder   fixingadaycertain,notmorethanthirty(30)norlessthantwenty(20)daysfromthemakingthereof,uponwhichtheoffendershallappearandshowcausewhysuchpenaltyshouldnotbeenforced,suchorderspecifyingwithreasonablecertaintytheviolationcharged,andif,afterhearing,thecommissionershalldeterminethatthecompanyor agent  j  insuranceproducer isguiltyofsuchviolation, he thecommissioner H  shallforthwithsuspendthelicenseoftheoffenderforaperiodofthree ( (3)years.Suchhearingshallbepublic,andatanysuchhearinganypersonorcorporationhavinglodgedinformationofsuchviolationwiththecommissionershallbeentitledtobepresentandsubmitevidence.Withinthirty(30)daysafterthesuspensionofanysuchlicense,the agent insuranceproducer orcompanywhoselicensehasbeen ~  suspendedmayappealfromtherulingofthecommissionerofinsurancetothecircuitorsuperiorcourtofthecountyinwhich such  <  agent theinsuranceproducer residesorinwhichsuchcompanyhas  itsprincipalplaceofbusiness,andifsuchcompanybeaforeigninsurancecompanythensuchappealmaybetakenbysuchcompanytothecircuitorsuperiorcourtofMarionCounty.v  SECTION39.4theWE  5  IC27-5-3-369WE9epr  7tob9,ASAMENDEDBYP.L.132-2001,SECTION9,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.3.(a)Withrespecttowriting,making,ortaking P& thekindsofinsurancespecificallyexceptedin4tobWE  5  IC27-5-2-16I;WE];epr  7tob;(1)(B)andwithrespecttowriting,making,ortakingliabilityinsurance,worker'scompensation,fidelity,andsuretyinsurancesuchfarmers'mutualinsurancecompanyshallbesubjecttothefollowingstatutes,anythinginIC27-1or4tobWE  5  IC27-5-16<WE<epr  7tob=Ԁtothecontrarynotwithstanding:0 0m  (1)4tobWE  5  IC27-1-36=WE=epr  7tob >,IC27-9,4tobWE  5  IC27-1-5-36>WE>epr  7tob>,4tobWE  5  IC27-1-6-156+?WE??epr  7tobj?,4tobWE  5  IC27-1-7-146?WE?epr  7tob@,4tobWE  5  IC27-1-7-156@WE@epr  7tob@,4tobWE  5  IC27-1-7-1662AWEFAepr  7tobqA,4tobWE  5  IC27-6-1.1-26AWEAepr  7tobB,4tobWE  5  IC27-1-7-216BWEBepr  7tobB,4tobWE  5  IC27-1-7-226:CWENCepr  7tobyC,4tobWE  5  IC27-1-7-236CWECepr  7tob&D,4tobWE  5  IC27-1-96DWEDepr  7tobD,4tobWE  5  IC27-1-13-36>EWEREepr  7tob}E,4tobWE  5  IC27-1-13-46EWEEepr  7tob*F,4tobWE  5  IC27-1-13-66FWEFepr  7tobF,4tobWE  5  IC27-1-13-76EGWEYGepr  7tobG,4tobWE  5  IC27-1-13-86GWEHepr  7tob1H,4tobWE  5  IC27-1-13-96HWEHepr  7tobH,4tobWE  5  IC27-1-20-16LIWE`Iepr  7tobI,4tobWE  5  IC27-1-20-46IWE Jepr  7tob8J,4tobWE  5  IC27-1-20-66JWEJepr  7tobJ,4tobWE  5  IC27-1-20-96SKWEgKepr  7tobK,4tobWE  5  IC27-1-20-106LWELepr  7tob?L,4tobWE  5  IC27-1-20-116LWELepr  7tobL,4tobWE  5  IC27-1-20-146\MWEpMepr  7tobM,4tobWE  5  IC27-1-20-196 NWENepr  7tobIN,4tobWE  5  IC27-1-20-206NWENepr  7tobN,4 tobWE  5  IC27-1-20-216fOWEzOepr  7tobO,4 tobWE  5  IC27-1-20-236PWE(Pepr  7tobSP, IC 27-1-20-24, and )N*2 4tobWE  5  IC27-1-20-30.6PWE Qepr  7tob4Q m m  0 0m  (2)Allof4tobWE  5  IC27-1-22.6QWEQepr  7tob#R m m  0 0m  (3)4tobWE  5  IC27-1-13-7.6RWERepr  7tobS m m  0 0m  (4)Allof4tobWE  5  IC27-7-2.6SWESepr  7tobS m m   (b)An agent insuranceproducer representingafarmers'mutual ..7 insurancecompanywithrespecttoinsuranceauthorizedtobewrittenbythischapterandnotauthorizedbeforeMarch13,1953,tobewrittenbyafarmers'mutualinsurancecompanyshallcomplywith4tobWE  5  IC27-1-15.6.6UWEUm   7 Uv  SECTION40.4 WE  5  IC27-5-4-26VWEVm   7 V,ASAMENDEDBYP.L.132-2001,SECTION10,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.2.Anysuchfarmers'mutualinsurancecompanymayelecttobecomesubjecttotheprovisionsofIC27-1asprovidedby4 WE  5  IC27-1-11-16 XWEXm   7 JXԀandthereaftermayavailitselfofallrights,privileges,andfranchisesprovidedbyIC27-1inaccordancewithIC27-1.NothingcontainedinIC27-1shallaffectorinvalidateanypoliciesissuedorboundbysuchcompanyandinfullforceandeffectatthetimesaidelectionbecomeseffective,butanysuchpolicyorcontractofinsuranceandtherightsandobligationsthereundermaycontinueinfullforceandeffectuntilexpirationortermination;provided,thatnotlaterthanfive(5)yearsfollowingtheeffectivedateofsaidelection,allsuchpoliciesorcontractsofinsuranceshallbesubjecttotheprovisionsofIC27-1.Any agent insuranceproducer orrepresentativeofsuch 8 companywhoisexemptfromtheprovisionsof4 WE  5  IC27-1-15.66[WE[m   7 [Ԁatthetimesaidelectionbecomeseffectivemaycontinuetorepresentsuchcompanyonlywithinthescopeofsuchexistingrepresentationwithoutcompliancewiththeprovisionsof4 WE  5  IC27-1-15.66]WE,]m   7 W]Ԁforaperiodnottoexceedone(1)yearfollowingtheeffectivedateofsaidelection,butthereaftersuchrepresentationshallbesubjecttocompliancewith4 WE  5  IC27-1-15.6.6b^WEv^m   7 ^ԀSuchelectionprovidedforinthissectionshallbecomeeffectiveuponthedateofissuanceofthenewcertificateofauthoritypursuantto4 WE  5  IC27-1-11-7.6_WE_m   7 _v  SECTION41.4 WE  5  IC27-6-8-96w`WE`m   7 `ԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.9.(a)Thecommissionershall:0 0m  (i)Notifytheassociationoftheexistenceofaninsolventinsurernotlaterthanthree(3)workingdaysafter he thecommissioner $  receivesanorderofliquidation.`%m m  0 0m  (ii)Uponrequestoftheboardofdirectors,providetheassociationwithastatementofthenetdirectwrittenpremiumsofeachmemberinsurer. m m   (b)Thecommissionermay:0 0m  (i)Requirethattheassociationnotifytheinsuredsoftheinsolventinsurerandanyotherinterestedpartiesoftheorderofliquidationandoftheirrightsunderthischapter.Thisnotificationshallbebymailattheirlastknownaddress,whereavailable,butifsufficientinformationfornotificationbymailisnotavailable,noticebypublicationinanewspaperofgeneralcirculationinallcountiesinwhichtheinsolventinsurertransactedinsurancebusinessshallbesufficient. m m  0 0m  (ii)Requireeach agent insuranceproducer oftheinsolvent )<*2 insurertogivepromptwrittennoticebyfirstclassmailofsuchinsolvencyandtherightsoftheinsuredunderthischaptertoeachinsuredoftheinsolventinsurerforwhom he theinsurance B,,5 producer is agent insuranceproducer ofrecord,atsuchinsured's "--6 lastknownaddress. m m  0 0m  (iii)Suspendorrevoke,afternoticeandhearing,thecertificateof .v/8 authoritytotransactinsuranceinthisstateofanymemberinsurerwhichfailstopayanassessmentwhendueorfailstocomplywiththeplanofoperation.Asanalternative,thecommissionermaylevyafineonanymemberinsurerwhichfailstopayanassessmentwhendue.Thefineshallnotexceedfivepercent(5%)oftheunpaidassessmentpermonth,exceptthatnofineshallbelessthanonehundreddollars($100)permonth. m m  0 0m  (iv)Revokethedesignationofanyservicingfacilityif he the   commissioner findsclaimsarebeinghandledunsatisfactorily.l m m  0 0m  (v)Anyfinalactionororderofthecommissionerunderthischaptershallbesubjecttojudicialreviewinacourtofcompetentjurisdiction. m m  v  SECTION42.4 WE  5  IC27-6-8-106kWEkm   7 kԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.10.(EffectofPaidClaims)(a)Anypersonrecoveringunderthischaptershallbedeemedtohaveassigned his theperson's rightsunderthepolicytothe  associationtotheextentof his theperson's recoveryfromthe ` association.Everyinsuredorclaimantseekingtheprotectionofthischaptershallcooperatewiththeassociationtothesameextentasthepersonwouldhavebeenrequiredtocooperatewiththeinsolventinsurer.Theassociationshallhavenocauseofactionagainsttheinsuredoftheinsolventinsurerforanysumsithaspaidoutexceptsuchcausesofactionastheinsolventinsurerwouldhavehadifsuchsumshadbeenpaidbytheinsolventinsurer.Inthecaseofaninsolventinsureroperatingonaplanwithassessmentliability,paymentsofclaimsoftheassociationshallnotoperatetoreducetheliabilityofinsuredstothereceiver,liquidator,orstatutorysuccessorforunpaidassessmentspreviouslymadeandnoassessmentshallbethereaftermadeforthepurposeofreimbursingtheassociation. (b)Thereceiver,liquidator,orstatutorysuccessorofaninsolventinsurershallbeboundbysettlementsofcoveredclaimsbytheassociationorasimilarorganizationinanotherstatefunctioningpursuantto4 WE  5  IC27-6-8-86qWEqm   7 q(d).Thecourthavingjurisdictionshallgrantsuchclaimspriorityequaltothatwhichtheclaimantwouldhavebeenentitledintheabsenceofthischapteragainsttheassetsoftheinsolventinsurer.Theexpensesoftheassociationorsimilarorganizationinhandlingclaimsshallbeaccordedthesamepriorityastheliquidator'sexpenses. (c)Theassociationshallperiodicallyfilewiththereceiverorliquidatoroftheinsolventinsurerstatementsofthecoveredclaimspaidbytheassociationandestimatesofanticipatedclaimsontheassociationwhichshallpreservetherightsoftheassociationagainsttheassetsoftheinsolventinsurer. (d)Theassociationshallhavearighttorecoverfromthe agent  (Z'.  insuranceproducer ofrecordanypartofthepaidclaimforunearned )8(/ premiumthatrepresentsunearnedcommissiontothe agent. insurance *)0 producer.  j+)1 v  SECTION43.4 WE  5  IC27-6-8-196PvWEdvexpe  7r'svԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.19.Noperson,includinganinsurer, agent, insuranceproducer, oraffiliateofan ..7 insurer,shallmake,publish,disseminate,circulate,orplacebeforethe .x/8 public,orcause,directlyorindirectly,tobemade,published,disseminated,circulatedorplacedbeforethepublic,inanynewspaper,magazineorotherpublication,orintheformofanotice,circular,pamphlet,letterorposter,oroveranyradiostationortelevisionstation,orinanyotherway,anyadvertisement,announcementorstatementwhichusestheexistenceoftheinsuranceguarantyassociationofthisstateforthepurposeofsales,solicitation,orinducementtopurchaseanyformofinsurancecoveredbytheIndianainsuranceguarantyassociationlaw. Provided, However,thissectiondoesnotapplyto j  Indianainsuranceguarantyassociationortoanyotherentitywhichdoesnotsellorsolicitinsurance.v  SECTION44.4r'sWE  5  IC27-6-9-56*{WE>{expe  7r'si{ԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.5.Asusedinthischapter,"licensedproducer"meansan agent, insuranceproducer, broker,orreinsurance N  intermediarylicensedpursuanttotheapplicableprovisionoftheinsurancelaw.v  SECTION45.4r'sWE  5  IC27-7-6-56}WE1}expe  7r's\}ԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.5.Nonoticeofcancellationofapolicytowhichsection4ofthischapterappliesshallbeeffectiveunlessmailedordeliveredbytheinsurertothenamedinsuredatleasttwenty(20)dayspriortotheeffectivedateofcancellation;provided,however,thatwherecancellationisfornonpaymentofpremiumatleastten(10)daysnoticeofcancellationaccompaniedbythereasonthereforshallbegiven.Intheeventsuchpolicywasprocuredbyan agent  n  insuranceproducer dulylicensedbythestateofIndiana,noticeof L intenttocancelshallbemailedordeliveredto such agent the , insuranceproducer atleastten(10)dayspriortosuchmailingor    deliverytothenamedinsuredunlesssuchnoticeofintentisorhasbeenwaivedinwritingby such agent. theinsuranceproducer. Unless `" thereasonaccompaniesorisincludedinthenoticeofcancellation,thenoticeofcancellationshallstateorbeaccompaniedbyastatementthatuponwrittenrequestofthenamedinsured,mailedordeliveredtotheinsurernotlessthanfifteen(15)dayspriortotheeffectivedateofcancellation,theinsurerwillspecifythereasonforsuchcancellation.Thissectionshallnotapplytononrenewal.v  SECTION46.4r'sWE  5  IC27-7-6-66uWEexpe  7r'sԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.6. (a) Noinsurershallfailtorenew "Z%- apolicyunlessitshallmailordelivertothenamedinsured,attheaddressshowninthepolicy,atleasttwenty(20)days'advancenoticeofitsintentionnottorenew.Intheeventsuchpolicywasprocuredbyan agent insuranceproducer dulylicensedbythestateofIndiana 6&(1 noticeofintentnottorenewshallbemailedordeliveredto such agent  ')2  theinsuranceproducer atleastten(10)dayspriortosuchmailingor '*3 deliverytothenamedinsuredunlesssuchnoticeofintentisorhasbeenwaivedinwritingby such agent. theinsuranceproducer. )P,5  (b) Thissectionshallnotapply: *0-6 0 0m   (a) (1) iftheinsurerhasmanifesteditswillingnesstorenew; nor orr+.7m m  0 0m   (b) (2) incaseofnonpaymentofpremium.R,.8m m   Provided, That, However, notwithstandingthefailureofaninsurerto 2-/9 complywiththissection,thepolicyshallterminateontheeffective .0: dateofanyotherinsurancepolicywithrespecttoanyautomobiledesignatedinbothpolicies. (c) Renewalofapolicyshallnotconstituteawaiverorestoppelwith 6 respecttogroundsforcancellationwhichexistedbeforetheeffectivedateofsuchrenewal.v  SECTION47.4r'sWE  5  IC27-7-6-106WE̊expe  7r'sԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.10.Thereshallbenoliabilityonthepartofandnocauseofactionofanynatureshallariseagainstthecommissionerofinsuranceoragainstanyinsurer,itsauthorizedrepresentative,its agents, insuranceproducers, its J  employees,oranyfirm,person,limitedliabilitycompany,orcorporationfurnishingtotheinsurerinformationastoreasonsforcancellation,foranystatementmadebyanyoftheminanywrittennoticeofcancellation,orinanyothercommunication,oralorwrittenspecifyingthereasonsforcancellation,ortheprovidingofinformationpertainingthereto,orforstatementsmadeorevidencesubmittedatanyhearingsconductedinconnectiontherewith.v  SECTION48.4r'sWE  5  IC27-7-9-96WEexpe  7r'sڎ,ASAMENDEDBYP.L.182-2001,SECTION4,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.9.(a)AninsurermakingthetypeofinsurancedescribedinClass3(a)of4r'sWE  5  IC27-1-5-16WE expe  7r's4Ԁshallenterintoareinsuranceagreementwiththecommissioner.Thereinsuranceagreementmustincludethefollowingterms:0 0m  (1)Theinsureragreestocedetothecommissioneronehundredpercent(100%)ofanyminesubsidencecoverageissuedunderthischapter,subjecttoamaximumlimitoftwohundredthousanddollars($200,000)perstructureinsured. m m  0 0m  (2)Theinsurershallcollectthepremiumsforminesubsidenceinsurance,mayretainacedingcommissioninanamountsetbythecommissioner,andshallremittheremainderofthepremiumstothecommissionerfordepositintheminesubsidenceinsurancefund. m m  0 0m  (3)Theinsurer,inconsiderationofthecedingcommission,shall: m m  0 0m  0 m m (A)undertaketheadjustmentoflossesundertheminesubsidencecoverageissuedunderthischapterbytheinsurer,withtechnicalassistanceprovidedundersection9.5ofthischapter;and    0 0m  0 m m (B)paythetaxesandabsorballotherexpensesnecessarilyincurredbytheinsurerinthesaleofpoliciesandtheadministrationoftheminesubsidenceinsuranceprogramunderthischapter.    0 0m  (4)Thecommissionershallreimbursetheinsurerfromtheminesubsidenceinsurancefundforallamountspaidtopolicyholdersforminesubsidenceinsuranceclaims. m m  0 0m  (5)Theinsurerisnotrequiredtopayaclaimforanyminesubsidencelossinsuredunderthischapteriftheamountavailableintheminesubsidenceinsurancefundisinsufficienttoreimbursetheinsurerfortheclaim. m m   (b)Thedeterminationofthecommissionerastotheamountofthecedingcommissionthataninsurermayretainundersubsection(a)(2)mustbebasedonaconsiderationoftheinsurer'sreasonable .p/8 administrativecosts(including agents' insuranceproducers' z  commissions). Z v  SECTION49.4r'sWE  5  IC27-7-10-156}WEoth  7mstԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.15.(a)AriskretentiongroupisliableforthepaymentofpremiumtaxesandtaxesonpremiumsofdirectbusinessforrisksresidentorlocatedwithinIndiana,andshallreporttothecommissionerofthisstatethenetpremiumswrittenforrisksresidentorlocatedwithinIndiana.AriskretentiongroupthatischarteredandlicensedinastateotherthanIndianaissubjecttotaxation,andanyapplicablefinesandpenaltiesrelatedthereto,onthesamebasisasaforeignadmittedinsurer. (b)Alicensed agent insuranceproducer whoisutilizedunder   section30ofthischapterinsoliciting,negotiating,orprocuringliabilityinsurancefromariskretentiongroupthatischarteredandlicensedinastateotherthanIndianashallreporttothecommissionerthepremiumsfordirectbusinessforrisksresidentorlocatedwithinIndianathatthe agent insuranceproducer hasplacedwithoron ^ behalfofariskretentiongroupthatisnotcharteredinIndiana. (c)Alicensed agent insuranceproducer whoisutilizedunder  section30ofthischapterinsoliciting,negotiating,orprocuringliabilityinsurancefromariskretentiongroupthatischarteredandlicensedinastateotherthanIndianashallkeepacompleteandseparaterecordofallpoliciesprocuredfromeachsuchriskretentiongroup.Therecordkeptunderthissubsectionmustbeopentoexaminationbythecommissionerandmust,foreachpolicyandeachkindofinsuranceprovided,includethefollowinginformation:0 0m  (1)Thelimitofliability. m m  0 0m  (2)Thetimeperiodcovered. m m  0 0m  (3)Theeffectivedate. m m  0 0m  (4)Thenameoftheriskretentiongroupthatissuedthepolicy. m m  0 0m  (5)Thegrosspremiumcharged. m m  0 0m  (6)Theamountofreturnpremiums,ifany. m m  v  SECTION50.4mstWE  5  IC27-7-10-276WEoth  7mstEԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.27.(a)Apurchasinggroupmaynotpurchaseinsurancefromariskretentiongroupthatisnotcharteredinastateorfromaninsurernotadmittedinthestateinwhichthepurchasinggroupislocated,unlessthepurchaseiseffectedthroughalicensed agent insuranceproducer orbrokeractingunder #.$+ thesurpluslineslawsandregulationsofthatstate. (b)ApurchasinggroupthatobtainsliabilityinsurancefromaninsurerthatisnotadmittedinIndianaorfromariskretentiongroupshallinformeachofthemembersofthegroupwhohaveariskresidentorlocatedinIndianathattheriskisnotprotectedbyaninsuranceinsolvencyguarantyfundinIndianaandthattheriskretentiongrouporinsurermaynotbesubjecttoallinsurancelawsandrulesofIndiana. (c)Nopurchasinggroupmaypurchaseinsuranceprovidingforadeductibleorself-insuredretentionapplicabletothegroupasawhole.However,coveragemayprovideforadeductibleorself-insuredretentionapplicabletoindividualmembersofthepurchasinggroup. (d)Purchasesofinsurancebypurchasinggroupsaresubjecttothesamestandardsregardingaggregatelimitsthatareapplicabletoall .v/8 purchasesofgroupinsurance.v  SECTION51.4mstWE  5  IC27-7-10-286.WEBoth  7mstmԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.28.PremiumtaxesandtaxesonpremiumspaidforcoverageofrisksresidentorlocatedinIndianabyapurchasinggrouporanymemberofapurchasinggroupshallbe:0 0m  (1)imposedatthesamerateandsubjecttothesameinterest,fines,andpenaltiesthatapplytopremiumtaxesandtaxesonpremiumspaidforsimilarcoveragefromasimilarinsurancesourcebyotherinsureds;and m m  0 0m  (2)paidfirstbytheinsurancesource,andifnotbytheinsurancesource,thenbythe agent insuranceproducer orbrokerforthe   purchasinggroup,andifnotbythe agent insuranceproducer or  r  broker,thenbythepurchasinggroup,andifnotbythepurchasinggroup,thenbyeachofitsmembers. m m  v  SECTION52.4mstWE  5  IC27-7-10-306WEoth  7mst٭,ASAMENDEDBYP.L.132-2001,SECTION11,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.30.Noindividual,firm,association,limitedliabilitycompany,orcorporationmayactoraidinanymannerinsoliciting,negotiating,orprocuringliabilityinsuranceinIndianafromariskretentiongroupunlesstheindividual,firm,association,orcorporationislicensedasaninsurance agent producer under J 4mstWE  5  IC27-1-15.6.6WEoth  7mstGv  SECTION53.4mstWE  5  IC27-7-10-316WEoth  7mst#,ASAMENDEDBYP.L.132-2001,SECTION12,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.31.(a)Noindividual,firm,association,or ." corporationmayactoraidinanymannerinsoliciting,negotiating,orprocuringliabilityinsuranceinIndianaforapurchasinggroupfromanauthorizedinsurerorariskretentiongroupcharteredinastateunlesstheindividual,firm,association,orcorporationislicensedasaninsurance agent producer under4mstWE  5  IC27-1-15.6.6WEoth  7mstų " '  (b)Noindividual,firm,association,orcorporationmayactoraidinanymannerinsoliciting,negotiating,orprocuringliabilityinsurancecoverageinIndianaforanymemberofapurchasinggroupunderapurchasinggroup'spolicyunlesstheindividual,firm,association,orcorporationislicensedasaninsurance agent producer under !z$, 4mstWE  5  IC27-1-15.6.6ǵWE۵urch  7ap (c)Noindividual,firm,association,orcorporationmayactoraidinanymannerinsoliciting,negotiating,orprocuringliabilityinsurancefromaninsurernotauthorizedtodobusinessinIndianaonbehalfofapurchasinggrouplocatedinIndianaunlesstheindividual,firm,association,orcorporationislicensedasasurpluslines agent  ')2  producer under4apWE  5  IC27-1-15.8.6WEurch  7apG '*3 v  SECTION54.4apWE  5  IC27-7-10-326WE urch  7ap7,ASAMENDEDBYP.L.132-2001,SECTION13,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.32.(a)Forpurposesofactingasan agent  *2/9  insuranceproducer forariskretentiongrouporpurchasinggroup j+0: undersection30or31ofthischapter,therequirementofresidenceinIndianadoesnotapply. (b)Everyindividual,firm,association,orcorporationlicensedunder4apWE  5  IC27-1-15.66eWEyurch  7ap,inregardtobusinessplacedwithriskretentiongroupsor .3> writtenthroughapurchasinggroup,shallinformeachprospectiveinsuredoftheprovisionsofthenoticerequiredbysection18ofthischapterinthecaseofariskretentiongroupandsection27(c)ofthischapterinthecaseofapurchasinggroup.v  SECTION55.4apWE  5  IC27-7-12-36WEurch  7ap˽,ASADDEDBYP.L.203-2001,SECTION10,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.3.(a)Noticeofcancellationofpropertyinsurance <  coveragebyaninsurermust:0 0m  (1)beinwriting; m m  0 0m  (2)bedeliveredormailedtothenamedinsuredatthelastknownaddressofthenamedinsured; m m  0 0m  (3)statetheeffectivedateofthecancellation;and m m  0 0m  (4)uponrequestofthenamedinsured,beaccompaniedbyawrittenexplanationofthespecificreasonsforthecancellation. m m   (b)Aninsurershallprovidewrittennoticeofcancellationtothenamedinsuredatleast:0 0m  (1)ten(10)daysbeforecancelingapolicy,ifthecancellationisfornonpaymentofapremium; m m  0 0m  (2)twenty(20)daysbeforecancelingapolicy,ifthecancellationoccursmorethansixty(60)daysafterthedateofissuanceofthepolicy;and m m  0 0m  (3)ten(10)daysbeforecancelingapolicy,ifthecancellationoccursnotmorethansixty(60)daysafterthedateofissuanceofthepolicy. m m   (c)Ifthepolicywasprocuredbyanindependent agent insurance J producer licensedinIndiana,theinsurershalldeliverormailnotice * ofcancellationtothe agent insuranceproducer notlessthanten(10)   daysbeforetheinsurerdeliversormailsthenoticetothenamedinsured,unlesstheobligationtonotifythe agent insuranceproducer V  iswaivedinwritingbythe agent. insuranceproducer.  6  v  SECTION56.4apWE  5  IC27-7-12-46WEurch  7ap.,ASADDEDBYP.L.203-2001,SECTION10,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.4.(a)Noticeofnonrenewalbyaninsurermust: D& 0 0m  (1)beinwriting; m m  0 0m  (2)bedeliveredormailedtothenamedinsuredatthelastknownaddressofthenamedinsured; m m  0 0m  (3)statetheinsurer'sintentionnottorenewthepolicyuponexpirationofthecurrentpolicyperiod; m m  0 0m  (4)uponrequestofthenamedinsured,beaccompaniedbyawrittenexplanationofthespecificreasonsforthenonrenewal;and m m  0 0m  (5)beprovidedtothenamedinsuredatleasttwenty(20)daysbeforetheexpirationofthecurrentpolicyperiod. m m   (b)Ifthepolicywasprocuredbyanindependent agent insurance '(0 producer licensedinIndiana,theinsurershalldeliverormailnotice (f)1 ofnonrenewaltothe agent insuranceproducer notlessthanten(10) )F*2 daysbeforetheinsurerdeliversormailsthenoticetothenamedinsured,unlesstheobligationtonotifythe agent insuranceproducer n+,4  iswaivedinwritingbythe agent. insuranceproducer.  N,,5  (c)Ifaninsurermailsordeliverstoaninsuredarenewalnotice,bill,certificate,orpolicyindicatingtheinsurer'swillingnesstorenewapolicyandtheinsureddoesnotrespond,theinsurerisnotrequiredto ./8 providetotheinsurednoticeofintentionnottorenew.v  SECTION57.4apWE  5  IC27-7-12-96WEurch  7ap,ASADDEDBYP.L.203-2001,SECTION10,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.9.(a)Thefollowingpersonsareimmunefrom  civilliabilityforanycommunicationgivingnoticeoforspecifyingthereasonsforaterminationorforanystatementmadeinconnectionwithanattempttodiscoverorverifytheexistenceofconditionsthatwouldbeareasonforaterminationunderthischapter:0 0m  (1)Employeesofthedepartmentofinsurance. m m  0 0m  (2)Aninsureroritsauthorizedrepresentative,agent,oremployee. m m  0 0m  (3)Alicensedinsurance agent. producer. & m m  0 0m  (4)Apersonfurnishinginformationtoaninsurerastoreasonsforatermination. m m   (b)Thissectiondoesnotapplytostatementsmadeinbadfaithwithmaliceinfact.v  SECTION58.4apWE  5  IC27-8-1-186~WEdei  7smaԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.18.Theprovisionsofthischaptershallinnowayapplytoanysecretorfraternalsocietyorlodgeorassociationwhich,underthesupervisionofagrandorsupremelodge,securesmembershipthroughthelodgesystemexclusively,andprovidesinsurancetoitsmembers,nortoinsuranceorganizationsofapurelybenevolentcharacterwhichpaynocommissionnoremployanypaid agent, insuranceproducer, &  organizedunderthelawsofthisoranyotherstate. p v  SECTION59.4smaWE  5  IC27-8-3-256WEdei  7smaԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.25.Thefeestobepaidbyeachsuchcorporation,association,orsocietytotheinsurancecommissionerfortheauthoritytosuchcorporation,association,orsociety,andits agents insuranceproducers underthelicensegranted d% byhimtoeachcorporation,association,orsociety,totransactbusinessinthestateofIndianashallbeasfollows:0 0m  Forfilingcopyofcharterorarticlesofincorporation,twenty-fivedollars($25). m m  0 0m  Forfilingeachannualstatement,twentydollars($20). m m  0 0m  Forissuingcertificateofauthorityorlicensetocompany,corporation,associationorsociety,onedollar($1). m m  0 0m  Forissuinglicensetoeach agent, insuranceproducer, onedollar "V%- ($1). m m  0 0m  Foraffixingsealandcertifyingtoanypaper,onedollar($1). m m  0 0m  Forrenewaloflicense,eachsuchcorporation,association,orsocietyshallfilewiththecommissioneritsannualstatement,forwhichitshallpaythesumoftwentydollars($20). m m  0 0m   For issuing license to each agent, one dollar ($1). '*3m m  0 0m   For affixing seal and certifying any paper, one dollar ($1). (j+4m m  Fortheprivilegeoftransactingbusinessinthisstate,aforeignoraliencompany,association,orsociety,admittedandlicensedunderthischapter,shallpayanannualtaxuponpremiumsorassessmentsderivedfrombusinesswrittenwithinthisstate,suchtaxtobeasdefinedanddeterminedunder4smaWE  5  IC27-1-18-26%WE9dei  7smad,whichisdeclaredtobeapplicableinitstermsandprovisionstosuchacompany,association,orsociety;providedalso,thatwhenanyotherstateorcountryshallimposeany .|1; obligationsinexcessofthoseimposedbythischapteruponanysuchcorporation,association,orsocietyofthisstate,alikeobligationshallbeimposedonsimilarcorporationsandtheiragentsofsuchstateorcountrydoingbusinessinthisstate;andprovidedalso,thatsuchcorporation,association,orsociety,intransactingbusinessinthisstate,shallbesubjectonlytotheprovisionsofthischapter.v  SECTION60.4smaWE  5  IC27-8-5-36dWExdei  7sma,ASAMENDEDBYP.L.162-2001,SECTION2,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.3.(a)Exceptasprovidedinsubsection(c),eachpolicydeliveredorissuedfordeliverytoanypersoninthisstateshallcontaintheprovisionsspecifiedinthissubsectioninthewordsinwhichthesameappearinthissection.However,theinsurermay,atitsoption,substituteforone(1)ormoreoftheprovisionscorrespondingprovisionsofdifferentwordingapprovedbythecommissionerthatareineachinstancenolessfavorableinanyrespecttotheinsuredorthebeneficiary.Theprovisionsshallbeprecededindividuallybythecaptionappearinginthissubsectionor,attheoptionoftheinsurer,byappropriateindividualorgroupcaptionsorsubcaptionsasthecommissionermayapprove. (1)Aprovisionasfollows:ENTIRECONTRACT;CHANGES:Thispolicy,includingtheendorsementsandtheattachedpapers,ifany,constitutestheentirecontractofinsurance.Nochangeinthispolicyshallbevaliduntilapprovedbyanexecutiveofficeroftheinsurerandunlesssuchapprovalbeendorsedhereonorattachedhereto.No agent  l  insuranceproducer hasauthoritytochangethispolicyortowaiveany J ofitsprovisions. (2)Aprovisionasfollows:TIMELIMITONCERTAINDEFENSES:(A)Aftertwo(2)yearsfromthedateofissueofthispolicynomisstatements,exceptfraudulentmisstatements,madebytheapplicantintheapplicationforsuchpolicyshallbeusedtovoidthepolicyortodenyaclaimforlossincurredordisability(asdefinedinthepolicy)commencingaftertheexpirationofsuchtwo(2)yearperiod. Theforegoingpolicyprovisionshallnotbesoconstruedastoaffectanylegalrequirementforavoidanceofapolicyofdenialofaclaimduringsuchinitialtwo(2)yearperiod,nortolimittheapplicationofsubsection(b),(1),(2),(3),(4),and(5)intheeventofmisstatementwithrespecttoageoroccupationorotherinsurance. Apolicywhichtheinsuredhastherighttocontinueinforcesubjecttoitstermsbythetimelypaymentofpremium:0 0m  (1)untilatleastagefifty(50);or m m  0 0m  (2)inthecaseofapolicyissuedafterforty-four(44)yearsofage,foratleastfive(5)yearsfromitsdateofissue; m m  maycontaininlieuoftheforegoingthefollowingprovision(fromwhichtheclauseinparenthesesmaybeomittedattheinsurer'soption)underthecaption"INCONTESTABLE":Afterthispolicyhasbeeninforceforaperiodoftwo(2)yearsduringthelifetimeoftheinsured(excludinganyperiodduringwhichtheinsuredisdisabled),itshallbecomeincontestableastothestatementscontainedintheapplication. (B)Noclaimforlossincurredordisability(asdefinedinthepolicy)commencingaftertwo(2)yearsfromthedateofissueofthispolicy .f-5 shallbereducedordeniedonthegroundthatadiseaseorphysicalcondition,notexcludedfromcoveragebynameorspecificdescriptioneffectiveonthedateofloss,hadexistedpriortotheeffectivedateofcoverageofthispolicy. (3)Aprovisionasfollows:GRACEPERIOD:Agraceperiodof(insertanumbernotlessthan"7"forweeklypremiumpolicies,"10"formonthlypremiumpoliciesand"31"forallotherpolicies)dayswillbegrantedforthepaymentofeachpremiumfallingdueafterthefirstpremium,duringwhichgraceperiodthepolicyshallcontinueinforce. Apolicyinwhichtheinsurerreservestherighttorefuserenewalshallhave,atthebeginningoftheaboveprovision:"Unlessnotlessthanthirty(30)dayspriortothepremiumduedatetheinsurerhasdeliveredtotheinsuredorhasmailedtotheinsured'slastaddressasshownbytherecordsoftheinsurerwrittennoticeofitsintentionnottorenewthispolicybeyondtheperiodforwhichthepremiumhasbeenaccepted.". Eachpolicyinwhichtheinsurerreservestherighttorefuserenewalonanindividualbasisshallprovide,insubstance,inaprovisionofthepolicy,inanendorsementonthepolicy,orinariderattachedtothepolicy,thatsubjecttotherighttoterminatethepolicyuponnon-paymentofpremiumwhendue,suchrighttorefuserenewalshallnotbeexercisedbeforetherenewaldateoccurringon,orafterandnearest,eachanniversary,orinthecaseoflapseandreinstatementattherenewaldateoccurringon,orafterandnearest,eachanniversaryofthelastreinstatement,andthatanyrefusalorrenewalshallbewithoutprejudicetoanyclaimoriginatingwhilethepolicyisinforce.Theprecedingsentenceshallnotapplytoaccidentinsuranceonlypolicies. (4)Aprovisionasfollows:REINSTATEMENT:Ifanyrenewalpremiumisnotpaidwithinthetimegrantedtheinsuredforpayment,asubsequentacceptanceofpremiumbytheinsurerorbyanyagentauthorizedbytheinsurertoacceptsuchpremium,withoutrequiringinconnectiontherewithanapplicationforreinstatement,shallreinstatethepolicy.Provided,thatiftheinsurerorsuchagentrequiresanapplicationforreinstatementandissuesaconditionalreceiptforthepremiumtendered,thepolicywillbereinstateduponapprovalofsuchapplicationbytheinsureror,lackingsuchapproval,upontheforty-fifthdayfollowingthedateofsuchconditionalreceiptunlesstheinsurerhaspreviouslynotifiedtheinsuredinwritingofitsdisapprovalofsuchapplication.Thereinstatedpolicyshallcoveronlylossresultingfromsuchaccidentalinjuryasmaybesustainedafterthedateofreinstatementandlossduetosuchsicknessasmaybeginmorethanten(10)daysaftersuchdate.Inallotherrespectstheinsuredandinsurershallhavethesamerightsastheyhadunderthepolicyimmediatelybeforetheduedateofthedefaultedpremium,subjecttoanyprovisionsendorsedhereonorattachedheretoinconnectionwiththereinstatement.Anypremiumacceptedinconnectionwithareinstatementshallbeappliedtoaperiodforwhichpremiumhasnotbeenpreviouslypaid,butnottoanyperiodmorethansixty(60)dayspriortothedateofreinstatement. Thelastsentenceoftheaboveprovisionmaybeomittedfromanypolicywhichtheinsuredhastherighttocontinueinforcesubjecttoits .\+2 termsbythetimelypaymentofpremiums:0 0m  (1)untilatleastfifty(50)yearsofage;or m m  0 0m  (2)inthecaseofapolicyissuedafterforty-four(44)yearsofage,foratleastfive(5)yearsfromitsdateofissue. m m   (5)Aprovisionasfollows:NOTICEOFCLAIM:Writtennoticeofclaimmustbegiventotheinsurerwithintwenty(20)daysaftertheoccurrenceorcommencementofanylosscoveredbythepolicy,orassoonthereafterasisreasonablypossible.Noticegivenbyoronbehalfoftheinsuredorthebeneficiarytotheinsurerat_______(insertthelocationofsuchofficeastheinsurermaydesignateforthepurpose),ortoanyauthorizedagentoftheinsurer,withinformationsufficienttoidentifytheinsured,shallbedeemednoticetotheinsurer. Inapolicyprovidingaloss-of-timebenefitwhichmaybepayableforatleasttwo(2)years,aninsurermayinsertthefollowingbetweenthefirstandsecondsentencesoftheaboveprovision: Subjecttothequalificationssetforthbelow,iftheinsuredsufferslossoftimeonaccountofdisabilityforwhichindemnitymaybepayableforatleasttwo(2)years,theinsuredshall,atleastonceineverysix(6)monthsafterhavinggivennoticeofclaim,givetotheinsurernoticeofcontinuanceofsaiddisability,exceptintheeventoflegalincapacity.Theperiodofsix(6)monthsfollowinganyfilingofproofbytheinsuredoranypaymentbytheinsureronaccountofsuchclaimoranydenialofliabilityinwholeorinpartbytheinsurershallbeexcludedinapplyingthisprovision.Delayinthegivingofsuchnoticeshallnotimpairtheinsurer'srighttoanyindemnitywhichwouldotherwisehaveaccruedduringtheperiodofsix(6)monthsprecedingthedateonwhichsuchnoticeisactuallygiven. (6)Aprovisionasfollows:CLAIMFORMS:Theinsurer,uponreceiptofanoticeofclaim,willfurnishtotheclaimantsuchformsasareusuallyfurnishedbyitforfilingproofsofloss.Ifsuchformsarenotfurnishedwithinfifteen(15)daysafterthegivingofsuchnotice,theclaimantshallbedeemedtohavecompliedwiththerequirementsofthispolicyastoproofoflossuponsubmitting,withinthetimefixedinthepolicyforfilingproofsofloss,writtenproofcoveringtheoccurrence,thecharacter,andtheextentofthelossforwhichclaimismade. (7)Aprovisionasfollows:PROOFSOFLOSS:Writtenproofoflossmustbefurnishedtotheinsureratitssaidofficeincaseofclaimforlossforwhichthispolicyprovidesanyperiodicpaymentcontingentuponcontinuinglosswithinninety(90)daysaftertheterminationoftheperiodforwhichtheinsurerisliableandincaseofclaimforanyotherlosswithinninety(90)daysafterthedateofsuchloss.Failuretofurnishsuchproofwithinthetimerequiredshallnotinvalidatenorreduceanyclaimifitwasnotreasonablypossibletogiveproofwithinsuchtime,providedsuchproofisfurnishedassoonasreasonablypossibleandinnoevent,exceptintheabsenceoflegalcapacity,laterthanone(1)yearfromthetimeproofisotherwiserequired. (8)Aprovisionasfollows:TIMEOFPAYMENTOFCLAIMS:Indemnitiespayableunderthispolicyforanylossotherthanlossforwhichthispolicyprovidesanyperiodicpaymentwillbepaid:0 0m  (1)immediatelyuponreceiptofduewrittenproofofsuchloss;or.\+2m m  0 0m  (2)inaccordancewith4smaWE  5  IC27-8-5.76 WE ed."  7cept ; m m  whicheverismorefavorabletothepolicyholder.Subjecttoduewrittenproofofloss,allaccruedindemnitiesforlossforwhichthispolicyprovidesperiodicpaymentwillbepaid_______(insertperiodforpaymentwhichmustnotbelessfrequentlythanmonthly)andanybalanceremainingunpaidupontheterminationofliabilitywillbepaidimmediatelyuponreceiptofduewrittenproof.Thisprovisionmustreflectcompliancewith4ceptWE  5  IC27-8-5.7.6P WEd ed."  7cept  (9)Aprovisionasfollows:PAYMENTOFCLAIMS:Indemnityforlossoflifewillbepayableinaccordancewiththebeneficiarydesignationandtheprovisionsrespectingsuchpaymentwhichmaybeprescribedhereinandeffectiveatthetimeofpayment.Ifnosuchdesignationorprovisionistheneffective,suchindemnityshallbepayabletotheestateoftheinsured.Anyotheraccruedindemnitiesunpaidattheinsured'sdeathmay,attheoptionoftheinsurer,bepaideithertosuchbeneficiaryortosuchestate.Allotherindemnitieswillbepayabletotheinsured. Thefollowingprovisions,oreitherofthem,maybeincludedwiththeforegoingprovisionattheoptionoftheinsurer: Ifanyindemnityofthispolicyshallbepayabletotheestateoftheinsured,ortoaninsuredorbeneficiarywhoisaminororotherwisenotcompetenttogiveavalidrelease,theinsurermaypaysuchindemnity,uptoanamountnotexceeding$_______(insertanamountwhichshallnotexceed$1,000),toanyrelativebybloodorconnectionbymarriageoftheinsuredorbeneficiarywhoisdeemedbytheinsurertobeequitablyentitledthereto.Anypaymentmadebytheinsureringoodfaithpursuanttothisprovisionshallfullydischargetheinsurertotheextentofsuchpayment. Subjecttoanywrittendirectionoftheinsuredintheapplicationorotherwisealloraportionofanyindemnitiesprovidedbythispolicyonaccountofhospital,nursing,medical,orsurgicalservicesmay,attheinsurer'soptionandunlesstheinsuredrequestsotherwiseinwritingnotlaterthanthetimeoffilingproofsofsuchloss,bepaiddirectlytothehospitalorpersonrenderingsuchservices;butitisnotrequiredthattheserviceberenderedbyaparticularhospitalorperson. Forthepurposesofthissectiona"minor"isapersonundertheageofeighteen(18)years.Apersoneighteen(18)yearsofageoroveriscompetent,insofarastheperson'sageisconcerned,tosignavalidrelease. (10)Aprovisionasfollows:PHYSICALEXAMINATIONSANDAUTOPSY:Theinsureratitsownexpenseshallhavetherightandopportunitytoexaminethepersonoftheinsuredwhenandasoftenasitmayreasonablyrequireduringthependencyofaclaimhereunderandtomakeanautopsyincaseofdeathwhereitisnotforbiddenbylaw. (11)Aprovisionasfollows:LEGALACTIONS:Noactionatlaworinequityshallbebroughttorecoveronthispolicypriortotheexpirationofsixty(60)daysafterwrittenproofoflosshasbeenfurnishedinaccordancewiththerequirementsofthispolicy.Nosuchactionshallbebroughtaftertheexpirationofthree(3)yearsafterthetimewrittenproofoflossisrequiredtobefurnished. .\+2  (12)Aprovisionasfollows:CHANGEOFBENEFICIARY:Unlesstheinsuredmakesanirrevocabledesignationofbeneficiary,therighttochangeofbeneficiaryisreservedtotheinsuredandtheconsentofthebeneficiaryorbeneficiariesshallnotberequisitetosurrenderorassignmentofthispolicyortoanychangeofbeneficiaryorbeneficiaries,ortoanyotherchangesinthispolicy. Thefirstclauseofthisprovision,relatingtotheirrevocabledesignationofbeneficiary,maybeomittedattheinsurer'soption. (13)Aprovisionasfollows:GUARANTEEDRENEWABILITY:IncompliancewiththefederalHealthInsurancePortabilityandAccountabilityActof1996(P.L.104-191),renewabilityisguaranteed. (b)Exceptasprovidedinsubsection(c),nopolicydeliveredorissuedfordeliverytoanypersoninIndianashallcontainprovisionsrespectingthematterssetforthbelowunlesstheprovisionsareinthewordsinwhichtheprovisionsappearinthissection.However,theinsurermayuse,insteadofanyprovision,acorrespondingprovisionofdifferentwordingapprovedbythecommissionerwhichisnotlessfavorableinanyrespecttotheinsuredorthebeneficiary.Anysubstituteprovisioncontainedinthepolicyshallbeprecededindividuallybytheappropriatecaptionappearinginthissubsectionor,attheoptionoftheinsurer,byappropriateindividualorgroupcaptionsorsubcaptionsasthecommissionermayapprove. (1)Aprovisionasfollows:CHANGEOFOCCUPATION:Iftheinsuredbeinjuredorcontractsicknessafterhavingchangedtheinsured'soccupationtooneclassifiedbytheinsurerasmorehazardousthanthatstatedinthispolicyorwhiledoingforcompensationanythingpertainingtoanoccupationsoclassified,theinsurerwillpayonlysuchportionoftheindemnitiesprovidedinthispolicyasthepremiumpaidwouldhavepurchasedattheratesandwithinthelimitsfixedbytheinsurerforsuchmorehazardousoccupation.Iftheinsuredchangestheinsured'soccupationtooneclassifiedbytheinsureraslesshazardousthanthatstatedinthispolicy,theinsurer,uponreceiptofproofofsuchchangeofoccupation,willreducethepremiumrateaccordingly,andwillreturntheexcessprorataunearnedpremiumfromthedateofchangeofoccupationorfromthepolicyanniversarydateimmediatelyprecedingreceiptofsuchproof,whicheveristhemorerecent.Inapplyingthisprovision,theclassificationofoccupationalriskandthepremiumratesshallbesuchashavebeenlastfiledbytheinsurerpriortotheoccurrenceofthelossforwhichtheinsurerisliableorpriortodateofproofofchangeinoccupationwiththestateofficialhavingsupervisionofinsuranceinthestatewheretheinsuredresidedatthetimethispolicywasissued;butifsuchfilingwasnotrequired,thentheclassificationofoccupationalriskandthepremiumratesshallbethoselastmadeeffectivebytheinsurerinsuchstatepriortotheoccurrenceofthelossorpriortothedateofproofofchangeinoccupation. (2)Aprovisionasfollows:MISSTATEMENTOFAGE:Iftheageoftheinsuredhasbeenmisstated,allamountspayableunderthispolicyshallbesuchasthepremiumpaidwouldhavepurchasedatthecorrectage. (3)Aprovisionasfollows:OTHERINSURANCEINTHISINSURER:Ifanaccidentorsicknessoraccidentandsicknesspolicy .\+2 orpoliciespreviouslyissuedbytheinsurertotheinsuredareinforceconcurrentlyherewith,makingtheaggregateindemnityfor_______(inserttypeofcoverageorcoverages)inexcessof$_______(insertmaximumlimitofindemnityorindemnities)theexcessinsuranceshallbevoidandallpremiumspaidforsuchexcessshallbereturnedtotheinsuredortotheinsured'sestate.Or,insteadofthatprovision:Insuranceeffectiveatanyone(1)timeontheinsuredunderalikepolicyorpolicies,inthisinsurerislimitedtotheone(1)suchpolicyelectedbytheinsured,theinsured'sbeneficiaryortheinsured'sestate,asthecasemaybe,andtheinsurerwillreturnallpremiumspaidforallothersuchpolicies. (4)Aprovisionasfollows:INSURANCEWITHOTHERINSURER:Ifthereisothervalidcoverage,notwiththisinsurer,providingbenefitsforthesamelossonaprovisionofservicebasisoronanexpenseincurredbasisandofwhichthisinsurerhasnotbeengivenwrittennoticepriortotheoccurrenceorcommencementofloss,theonlyliabilityunderanyexpenseincurredcoverageofthispolicyshallbeforsuchproportionofthelossastheamountwhichwouldotherwisehavebeenpayablehereunderplusthetotalofthelikeamountsunderallsuchothervalidcoveragesforthesamelossofwhichthisinsurerhadnoticebearstothetotallikeamountsunderallvalidcoveragesforsuchloss,andforthereturnofsuchportionofthepremiumspaidasshallexceedthepro-rataportionoftheamountsodetermined.Forthepurposeofapplyingthisprovisionwhenothercoverageisonaprovisionofservicebasis,the"likeamount"ofsuchothercoverageshallbetakenastheamountwhichtheservicesrenderedwouldhavecostintheabsenceofsuchcoverage. Iftheforegoingpolicyprovisionisincludedinapolicywhichalsocontainsthenextfollowingpolicyprovisionthereshallbeaddedtothecaptionoftheforegoingprovisionthephrase"EXPENSEINCURREDBENEFITS".Theinsurermay,atitsoption,includeinthisprovisionadefinitionof"othervalidcoverage,"approvedastoformbythecommissioner,whichdefinitionshallbelimitedinsubjectmattertocoverageprovidedbyorganizationssubjecttoregulationbyinsurancelaworbyinsuranceauthoritiesofthisoranyotherstateoftheUnitedStatesoranyprovinceofCanada,andbyhospitalormedicalserviceorganizations,andtoanyothercoveragetheinclusionofwhichmaybeapprovedbythecommissioner.Intheabsenceofsuchdefinitionsuchtermshallnotincludegroupinsurance,automobilemedicalpaymentsinsurance,orcoverageprovidedbyhospitalormedicalserviceorganizationsorbyunionwelfareplansoremployeroremployeebenefitorganizations.Forthepurposeofapplyingtheforegoingpolicyprovisionwithrespecttoanyinsured,anyamountofbenefitprovidedforsuchinsuredpursuanttoanycompulsorybenefitstatute(includinganyworker'scompensationoremployer'sliabilitystatute)whetherprovidedbyagovernmentalagencyorotherwiseshallinallcasesbedeemedtobe"othervalidcoverage"ofwhichtheinsurerhashadnotice.Inapplyingtheforegoingpolicyprovisionnothirdpartyliabilitycoverageshallbeincludedas"othervalidcoverage". (5)Aprovisionasfollows:INSURANCEWITHOTHERINSURERS:Ifthereisothervalidcoverage,notwiththisinsurer, .\+2 providingbenefitsforthesamelossonotherthananexpenseincurredbasisandofwhichthisinsurerhasnotbeengivenwrittennoticepriortotheoccurrenceorcommencementofloss,theonlyliabilityforsuchbenefitsunderthispolicyshallbeforsuchproportionoftheindemnitiesotherwiseprovidedhereunderforsuchlossasthelikeindemnitiesofwhichtheinsurerhadnotice(includingtheindemnitiesunderthispolicy)beartothetotalamountofalllikeindemnitiesforsuchloss,andforthereturnofsuchportionofthepremiumpaidasshallexceedthepro-rataportionfortheindemnitiesthusdetermined.Iftheforegoingpolicyprovisionisincludedinapolicywhichalsocontainsthenextprecedingpolicyprovision,thereshallbeaddedtothecaptionoftheforegoingprovisionthephrase"-OTHERBENEFITS".Theinsurermay,atitsoption,includeinthisprovisionadefinitionof"othervalidcoverage,"approvedastoformbythecommissioner,whichdefinitionshallbelimitedinsubjectmattertocoverageprovidedbyorganizationssubjecttoregulationbyinsurancelaworbyinsuranceauthoritiesofthisoranyotherstateoftheUnitedStatesoranyprovinceofCanada,andtoanyothercoveragetotheinclusionofwhichmaybeapprovedbythecommissioner.Intheabsenceofsuchdefinitionsuchtermshallnotincludegroupinsuranceorbenefitsprovidedbyunionwelfareplansorbyemployeroremployeebenefitorganizations.Forthepurposeofapplyingtheforegoingpolicyprovisionwithrespecttoanyinsured,anyamountofbenefitprovidedforsuchinsuredpursuanttoanycompulsorybenefitstatute(includinganyworker'scompensationoremployer'sliabilitystatute)whetherprovidedbyagovernmentalagencyorotherwiseshallinallcasesbedeemedtobe"othervalidcoverage"ofwhichtheinsurerhashadnotice.Inapplyingtheforegoingpolicyprovisionnothirdpartyliabilitycoverageshallbeincludedas"othervalidcoverage". (6)Aprovisionasfollows:RELATIONOFEARNINGSTOINSURANCE:Ifthetotalmonthlyamountoflossoftimebenefitspromisedforthesamelossunderallvalidlossoftimecoverageupontheinsured,whetherpayableonaweeklyormonthlybasis,shallexceedthemonthlyearningsoftheinsuredatthetimedisabilitycommencedortheinsured'saveragemonthlyearningsfortheperiodoftwo(2)yearsimmediatelyprecedingadisabilityforwhichclaimismade,whicheveristhegreater,theinsurerwillbeliableonlyforsuchproportionateamountofsuchbenefitsunderthispolicyastheamountofsuchmonthlyearningsorsuchaveragemonthlyearningsoftheinsuredbearstothetotalamountofmonthlybenefitsforthesamelossunderallsuchcoverageupontheinsuredatthetimesuchdisabilitycommencesandforthereturnofsuchpartofthepremiumspaidduringsuchtwo(2)yearsasshallexceedtheprorataamountofthepremiumsforthebenefitsactuallypaid;butthisshallnotoperatetoreducethetotalmonthlyamountofbenefitspayableunderallsuchcoverageupontheinsuredbelowthesumoftwohundreddollars($200)orthesumofthemonthlybenefitsspecifiedinsuchcoverages,whicheveristhelesser,norshallitoperatetoreducebenefitsotherthanthosepayableforlossoftime. Theforegoingpolicyprovisionmaybeinsertedonlyinapolicywhichtheinsuredhastherighttocontinueinforcesubjecttoitsterms .\+2 bythetimelypaymentofpremiums:0 0m  (1)untilatleastfifty(50)yearsofage;or m m  0 0m  (2)inthecaseofapolicyissuedafterforty-four(44)yearsofage,foratleastfive(5)yearsfromitsdateofissue. m m  Theinsurermay,atitsoption,includeinthisprovisionadefinitionof"validlossoftimecoverage",approvedastoformbythecommissioner,whichdefinitionshallbelimitedinsubjectmattertocoverageprovidedbygovernmentalagenciesorbyorganizationssubjecttoregulationbyinsurancelaworbyinsuranceauthoritiesofthisoranyotherstateoftheUnitedStatesoranyprovinceofCanada,ortoanyothercoveragetheinclusionofwhichmaybeapprovedbythecommissioneroranycombinationofsuchcoverages.Intheabsenceofsuchdefinitionthetermshallnotincludeanycoverageprovidedfortheinsuredpursuanttoanycompulsorybenefitstatute(includinganyworker'scompensationoremployer'sliabilitystatute),orbenefitsprovidedbyunionwelfareplansorbyemployeroremployeebenefitorganizations. (7)Aprovisionasfollows:UNPAIDPREMIUM:Uponthepaymentofaclaimunderthispolicy,anypremiumthendueandunpaidorcoveredbyanynoteorwrittenordermaybedeductedtherefrom. (8)Aprovisionasfollows:CONFORMITYWITHSTATESTATUTES:Anyprovisionofthispolicywhich,onitseffectivedate,isinconflictwiththestatutesofthestateinwhichtheinsuredresidesonsuchdateisherebyamendedtoconformtotheminimumrequirementsofsuchstatutes. (9)Aprovisionasfollows:ILLEGALOCCUPATION:Theinsurershallnotbeliableforanylosstowhichacontributingcausewastheinsured'scommissionoforattempttocommitafelonyortowhichacontributingcausewastheinsured'sbeingengagedinanillegaloccupation. (10)Aprovisionasfollows:INTOXICANTSANDNARCOTICS:Theinsurershallnotbeliableforanylosssustainedorcontractedinconsequenceoftheinsured'sbeingintoxicatedorundertheinfluenceofanynarcoticunlessadministeredontheadviceofaphysician. (c)Ifanyprovisionofthissectionisinwholeorinpartinapplicabletoorinconsistentwiththecoverageprovidedbyaparticularformofpolicytheinsurer,withtheapprovalofthecommissioner,shallomitfromsuchpolicyanyinapplicableprovisionorpartofaprovision,andshallmodifyanyinconsistentprovisionorpartoftheprovisioninsuchmannerastomaketheprovisionascontainedinthepolicyconsistentwiththecoverageprovidedbythepolicy. (d)Theprovisionswhicharethesubjectofsubsections(a)and(b),oranycorrespondingprovisionswhichareusedinlieuthereofinaccordancewithsuchsubsections,shallbeprintedintheconsecutiveorderoftheprovisionsinsuchsubsectionsor,attheoptionoftheinsurer,anysuchprovisionmayappearasaunitinanypartofthepolicy,withotherprovisionstowhichitmaybelogicallyrelated,providedtheresultingpolicyshallnotbeinwholeorinpartunintelligible,uncertain,ambiguous,abstruse,orlikelytomisleadapersontowhomthepolicyisoffered,delivered,orissued. (e)"Insured",asusedinthischapter,shallnotbeconstruedas .\+2 preventingapersonotherthantheinsuredwithaproperinsurableinterestfrommakingapplicationforandowningapolicycoveringtheinsuredorfrombeingentitledundersuchapolicytoanyindemnities,benefits,andrightsprovidedtherein. (f)(1)Anypolicyofaforeignoralieninsurer,whendeliveredorissuedfordeliverytoanypersoninthisstate,maycontainanyprovisionwhichisnotlessfavorabletotheinsuredorthebeneficiarythanisprovidedinthischapterandwhichisprescribedorrequiredbythelawofthestateunderwhichtheinsurerisorganized. (f)(2)Anypolicyofadomesticinsurermay,whenissuedfordeliveryinanyotherstateorcountry,containanyprovisionpermittedorrequiredbythelawsofsuchotherstateorcountry. (g)Thecommissionermaymakereasonablerulesunder4!odfWE  5  IC4-22-26uQWEQherw  7rotQconcerningtheprocedureforthefilingorsubmissionofpoliciessubjecttothischapterasarenecessary,proper,oradvisabletotheadministrationofthischapter.Thisprovisionshallnotabridgeanyotherauthoritygrantedthecommissionerbylaw.v  SECTION61.4rotWE  5  IC27-8-5.7-96KSWE_S2-2  74-2SԀISADDEDTOTHEINDIANACODEASA NEW SECTIONTOREADASFOLLOWS[EFFECTIVE  UPONPASSAGE]: Sec.9.(a)Beginningontheeffectivedateofthe  datereferredtoinSection262ofthefederalHealthInsurancePortabilityandAccountabilityAct(42U.S.C.1320d-4),aninsurermayrequestfromthecommissionerappointedunder44-2WE  5  IC27-1-1-26lUWEU2-2  74-2Uawaiverfromtherequirementsofthischapterthatapplytoclaimsfiledonpaper. (b)Thecommissionermaygrantawaiverunderthissectionif,notmorethansix(6)monthsaftertheeffectivedatedescribedinsubsection(a),therequestinginsurerexperiencesanincreaseofthelesserof:0 0m  (1)tenthousand(10,000);or m m  0 0m  (2)atleasttwentypercent(20%); m m  inthevolumeofclaimsfiledonpaper. (c)Awaivergrantedunderthissectioniseffectiveforasetperioddeterminedbythecommissioner. (d)ThissectionexpiresDecember31,2005.   l% v  SECTION62.44-2WE  5  IC27-8-8-186YWE#Y2-2  74-2NYԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.18.Aperson,includinganinsurer, agent insuranceproducer, oraffiliateofaninsurershall v# $+ notplacebeforethepublic,directlyorindirectly,anannouncementorstatementthatusestheexistenceoftheassociationforthepurposeofsales,solicitation,orinducementtopurchaseanyformofinsurancecoveredbythischapter.Thissectiondoesnotapplytotheassociationoranyotherentitythatdoesnotsellorsolicitinsurance.v  SECTION63.44-2WE  5  IC27-8-10-2.16\WE\2-2  74-2?\,ASAMENDEDBYP.L.192-2002(ss),SECTION169,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.2.1.(a)ThereisestablishedanonprofitlegalentitytobereferredtoastheIndianacomprehensivehealthinsuranceassociation,whichmustassurethathealthinsuranceismadeavailablethroughouttheyeartoeacheligibleIndianaresidentapplyingtotheassociationforcoverage.Allcarriers,healthmaintenanceorganizations,limitedservicehealthmaintenance .\1; organizations,andself-insurersprovidinghealthinsuranceorhealthcareservicesinIndianamustbemembersoftheassociation.Theassociationshalloperateunderaplanofoperationestablishedandapprovedundersubsection(c)andshallexerciseitspowersthroughaboardofdirectorsestablishedunderthissection. (b)Theboardofdirectorsoftheassociationconsistsofseven(7)memberswhoseprincipalresidenceisinIndianaselectedasfollows:0 0m  (1)Three(3)memberstobeappointedbythecommissionerfromthemembersoftheassociation,one(1)ofwhichmustbearepresentativeofahealthmaintenanceorganization. m m  0 0m  (2)Two(2)memberstobeappointedbythecommissionershallbeconsumersrepresentingpolicyholders. m m  0 0m  (3)Two(2)membersshallbethestatebudgetdirectorordesigneeandthecommissionerofthedepartmentofinsuranceordesignee. m m  Thecommissionershallappointthechairmanoftheboard,andtheboardshallelectasecretaryfromitsmembership.Thetermofofficeofeachappointedmemberisthree(3)years,subjecttoeligibilityforreappointment.Membersoftheboardwhoarenotstateemployeesmaybereimbursedfromtheassociation'sfundsforexpensesincurredinattendingmeetings.Theboardshallmeetatleastsemiannually,withthefirstmeetingtobeheldnotlaterthanMay15ofeachyear. (c)Theassociationshallsubmittothecommissioneraplanofoperationfortheassociationandanyamendmentstotheplannecessaryorsuitabletoassurethefair,reasonable,andequitableadministrationoftheassociation.Theplanofoperationbecomeseffectiveuponapprovalinwritingbythecommissionerconsistentwiththedateonwhichthecoverageunderthischaptermustbemadeavailable.Thecommissionershall,afternoticeandhearing,approvetheplanofoperationiftheplanisdeterminedtobesuitabletoassurethefair,reasonable,andequitableadministrationoftheassociationandprovidesforthesharingofassociationlossesonanequitable,proportionatebasisamongthemembercarriers,healthmaintenanceorganizations,limitedservicehealthmaintenanceorganizations,andself-insurers.Iftheassociationfailstosubmitasuitableplanofoperationwithinonehundredeighty(180)daysaftertheappointmentoftheboardofdirectors,oratanytimethereaftertheassociationfailstosubmitsuitableamendmentstotheplan,thecommissionershalladoptrulesunder44-2WE  5  IC4-22-26hWEi2-2  74-2+iԀnecessaryoradvisabletoimplementthissection.Theserulesareeffectiveuntilmodifiedbythecommissionerorsupersededbyaplansubmittedbytheassociationandapprovedbythecommissioner.Theplanofoperationmust:0 0m  (1)establishproceduresforthehandlingandaccountingofassetsandmoneyoftheassociation; m m  0 0m  (2)establishtheamountandmethodofreimbursingmembersoftheboard; m m  0 0m  (3)establishregulartimesandplacesformeetingsoftheboardofdirectors; m m  0 0m  (4)establishproceduresforrecordstobekeptofallfinancialtransactions,andfortheannualfiscalreportingtothecommissioner; m m  0 0m  (5)establishprocedureswherebyselectionsfortheboardof .\+2 directorswillbemadeandsubmittedtothecommissionerforapproval; m m  0 0m  (6)containadditionalprovisionsnecessaryorproperfortheexecutionofthepowersanddutiesoftheassociation;and m m  0 0m  (7)establishproceduresfortheperiodicadvertisingofthegeneralavailabilityofthehealthinsurancecoveragesfromtheassociation. m m   (d)Theplanofoperationmayprovidethatanyofthepowersanddutiesoftheassociationbedelegatedtoapersonwhowillperformfunctionssimilartothoseofthisassociation.Adelegationunderthissectiontakeseffectonlywiththeapprovalofboththeboardofdirectorsandthecommissioner.Thecommissionermaynotapproveadelegationunlesstheprotectionsaffordedtotheinsuredaresubstantiallyequivalenttoorgreaterthanthoseprovidedunderthischapter. (e)Theassociationhasthegeneralpowersandauthorityenumeratedbythissubsectioninaccordancewiththeplanofoperationapprovedbythecommissionerundersubsection(c).TheassociationhasthegeneralpowersandauthoritygrantedunderthelawsofIndianatocarrierslicensedtotransactthekindsofhealthcareservicesorhealthinsurancedescribedinsection1ofthischapterandalsohasthespecificauthoritytodothefollowing:0 0m  (1)Enterintocontractsasarenecessaryorpropertocarryoutthischapter,subjecttotheapprovalofthecommissioner. m m  0 0m  (2)Sueorbesued,includingtakinganylegalactionsnecessaryorproperforrecoveryofanyassessmentsfor,onbehalfof,oragainstparticipatingcarriers. m m  0 0m  (3)Takelegalactionnecessarytoavoidthepaymentofimproperclaimsagainsttheassociationorthecoverageprovidedbyorthroughtheassociation. m m  0 0m  (4)Establishamedicalreviewcommitteetodeterminethereasonablyappropriatelevelandextentofhealthcareservicesineachinstance. m m  0 0m  (5)Establishappropriaterates,scalesofrates,rateclassificationsandratingadjustments,suchratesnottobeunreasonableinrelationtothecoverageprovidedandthereasonableoperationalexpensesoftheassociation. m m  0 0m  (6)Poolrisksamongmembers. m m  0 0m  (7)Issuepoliciesofinsuranceonanindemnityorprovisionofservicebasisprovidingthecoveragerequiredbythischapter. m m  0 0m  (8)Administerseparatepools,separateaccounts,orotherplansorarrangementsconsideredappropriateforseparatemembersorgroupsofmembers. m m  0 0m  (9)Operateandadministeranycombinationofplans,pools,orothermechanismsconsideredappropriatetobestaccomplishthefairandequitableoperationoftheassociation. m m  0 0m  (10)Appointfromamongmembersappropriatelegal,actuarial,andothercommitteesasnecessarytoprovidetechnicalassistanceintheoperationoftheassociation,policyandothercontractdesign,andanyotherfunctionwithintheauthorityoftheassociation. m m  0 0m  (11)Hireanindependentconsultant..\+2m m  0 0m  (12)Developamethodofadvisingapplicantsoftheavailabilityofothercoveragesoutsidetheassociationandmaypromulgatealistofhealthconditionstheexistenceofwhichwoulddeemanapplicanteligiblewithoutdemonstratingarejectionofcoveragebyone(1)carrier. m m  0 0m  (13)Providefortheuseofmanagedcareplansforinsureds,includingtheuseof: m m  0 0m  0 m m (A)healthmaintenanceorganizations;and    0 0m  0 m m (B)preferredproviderplans.    0 0m  (14)Solicitbidsdirectlyfromprovidersforcoverageunderthischapter. m m   (f)Ratesforcoveragesissuedbytheassociationmaynotbeunreasonableinrelationtothebenefitsprovided,theriskexperience,andthereasonableexpensesofprovidingthecoverage.Separatescalesofpremiumratesbasedonageapplyforindividualrisks.Premiumratesmusttakeintoconsiderationtheextramorbidityandadministrationexpenses,ifany,forrisksinsuredintheassociation.Theratesforagivenclassificationmaynotbemorethanonehundredfiftypercent(150%)oftheaveragepremiumrateforthatclasschargedbythefive(5)carrierswiththelargestpremiumvolumeinthestateduringtheprecedingcalendaryear.Indeterminingtheaveragerateofthefive(5)largestcarriers,therateschargedbythecarriersshallbeactuariallyadjustedtodeterminetheratethatwouldhavebeenchargedforbenefitsidenticaltothoseissuedbytheassociation.Allratesadoptedbytheassociationmustbesubmittedtothecommissionerforapproval. (g)Followingthecloseoftheassociation'sfiscalyear,theassociationshalldeterminethenetpremiums,theexpensesofadministration,andtheincurredlossesfortheyear.Anynetlossshallbeassessedbytheassociationtoallmembersinproportiontotheirrespectivesharesoftotalhealthinsurancepremiums,excludingpremiumsforMedicaidcontractswiththestateofIndiana,receivedinIndianaduringthecalendaryear(orwithpaidlossesintheyear)coincidingwithorendingduringthefiscalyearoftheassociationoranyotherequitablebasisasmaybeprovidedintheplanofoperation.Forself-insurers,healthmaintenanceorganizations,andlimitedservicehealthmaintenanceorganizationsthataremembersoftheassociation,theproportionateshareoflossesmustbedeterminedthroughtheapplicationofanequitableformulabaseduponclaimspaid,excludingclaimsforMedicaidcontractswiththestateofIndiana,orthevalueofservicesprovided.Insharinglosses,theassociationmayabateordeferinanyparttheassessmentofamember,if,intheopinionoftheboard,paymentoftheassessmentwouldendangertheabilityofthemembertofulfillitscontractualobligations.Theassociationmayalsoprovideforinterimassessmentsagainstmembersoftheassociationifnecessarytoassurethefinancialcapabilityoftheassociationtomeettheincurredorestimatedclaimsexpensesoroperatingexpensesoftheassociationuntiltheassociation'snextfiscalyeariscompleted.Netgains,ifany,mustbeheldatinteresttooffsetfuturelossesorallocatedtoreducefuturepremiums.Assessmentsmustbedeterminedbytheboardmembersspecifiedinsubsection(b)(1),subjecttofinalapprovalbythecommissioner. .\+2  (h)Theassociationshallconductperiodicauditstoassurethegeneralaccuracyofthefinancialdatasubmittedtotheassociation,andtheassociationshallhaveanannualauditofitsoperationsbyanindependentcertifiedpublicaccountant. (i)Theassociationissubjecttoexaminationbythedepartmentofinsuranceunder4$4-2WE  5  IC27-1-3.1.6WE̊ion  7sectԀTheboardofdirectorsshallsubmit,notlaterthanMarch30ofeachyear,afinancialreportfortheprecedingcalendaryearinaformapprovedbythecommissioner. (j)Allpolicyformsissuedbytheassociationmustconforminsubstancetoprototypeformsdevelopedbytheassociation,mustinallotherrespectsconformtotherequirementsofthischapter,andmustbefiledwithandapprovedbythecommissionerbeforetheiruse. (k)Theassociationmaynotissueanassociationpolicytoanyindividualwho,ontheeffectivedateofthecoverageappliedfor,doesnotmeettheeligibilityrequirementsofsection5.1ofthischapter. (l)Theassociationshallpayan agent's insuranceproducer's referral |  feeoftwenty-fivedollars($25)toeachinsurance agent producer who \  refersanapplicanttotheassociationifthatapplicantisaccepted. (m)Theassociationandthepremiumcollectedbytheassociationshallbeexemptfromthepremiumtax,theadjustedgrossincometax,oranycombinationoftheseuponrevenuesorincomethatmaybeimposedbythestate. (n)MemberswhoafterJuly1,1983,duringanycalendaryear,havepaidone(1)ormoreassessmentsleviedunderthischaptermayeither:0 0m  (1)takeacreditagainstpremiumtaxes,adjustedgrossincometaxes,oranycombinationofthese,orsimilartaxesuponrevenuesorincomeofmemberinsurersthatmaybeimposedbythestate,uptotheamountofthetaxesdueforeachcalendaryearinwhichtheassessmentswerepaidandforsucceedingyearsuntiltheaggregateofthoseassessmentshavebeenoffsetbyeithercreditsagainstthosetaxesorrefundsfromtheassociation;or m m  0 0m  (2)anymemberinsurermayincludeintheratesforpremiumschargedforinsurancepoliciestowhichthischapterappliesamountssufficienttorecoupasumequaltotheamountspaidtotheassociationbythememberlessanyamountsreturnedtothememberinsurerbytheassociation,andtheratesshallnotbedeemedexcessivebyvirtueofincludinganamountreasonablycalculatedtorecoupassessmentspaidbythemember. m m   (o)Theassociationshallprovidefortheoptionofmonthlycollectionofpremiums.v  SECTION64.4sectWE  5  IC27-8-10-106WE lar  7simi5ԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.10.BeforeJanuary1,1996,theboardofdirectorsoftheassociationshallestablisheligibilityguidelinesfortheissuanceofanassociationpolicyunderthischaptertoprohibitan:0 0m  (1)employer; m m  0 0m  (2)insurance agent; producer; orb+)1m m  0 0m  (3)insurancebroker; m m  fromplacinginorreferringtotheassociationanindividualwhoworksforanemployerwhooffersemployeesanemployeewelfarebenefitplan(asdefinedin29U.S.C.1002). .j-5 v  SECTION65.4simiWE  5  IC27-8-12-76WElar  7simiƘԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.7.(a)Theinsurancecommissionershalladoptrulesunder4simiWE  5  IC4-22-26WElar  7simiԀestablishingstandardsoffullandfairdisclosureconcerninglongtermcareinsurancepolicies.Thestandardsmustrequiredisclosureofinformationconcerningthefollowing:0 0m  (1)Thesaleofthepolicies. m m  0 0m  (2)Termsofrenewability. m m  0 0m  (3)Initialandsubsequenttermsofeligibility. m m  0 0m  (4)Nonduplicationofcoverageprovisions. m m  0 0m  (5)Coverageofdependents. m m  0 0m  (6)Preexistingconditions. m m  0 0m  (7)Terminationofinsurancecoverage. m m  0 0m  (8)Probationaryperiods. m m  0 0m  (9)Limitationsoncoverage. m m  0 0m  (10)Exceptionstocoverage. m m  0 0m  (11)Reductionsfromcoverage. m m  0 0m  (12)Eliminationperiods. m m  0 0m  (13)Requirementsforreplacement. m m  0 0m  (14)Recurrentconditions. m m  0 0m  (15)Definitionsofterms. m m  0 0m  (16)Continuationorconversionofcoverage. m m   (b)Theinsurancecommissionershalladoptrulesunder4&simiWE  5  IC4-22-26WElar  7simiԀtoestablishminimumstandardsconcerning:0 0m  (1)marketingpractices; m m  0 0m  (2) agent insuranceproducer continuingeducation;(m m  0 0m  (3)penalties;and m m  0 0m  (4)reportingpractices; m m  forlongtermcareinsurance. (c)Rulesadoptedbytheinsurancecommissionerunderthissectionmust:0 0m  (1)recognizetheunique,developing,andexperimentalnatureoflongtermcareinsurance;and m m  0 0m  (2)wherenecessaryorappropriate,recognizethedistinctionsbetweengroupinsurancepoliciesandindividualinsurancepolicies. m m  v  SECTION66.4simiWE  5  IC27-8-12-146դWElar  7simiԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.14.(a)Theinsurershalldeliveranoutlineofthecoverageprovidedbyanindividuallongtermcareinsurancepolicytotheprospectiveapplicantatthetimeofinitialsolicitationthroughmeansthatprominentlydirecttheattentionoftherecipienttothedocumentandthedocument'spurpose. (b)Thecommissionershallprescribeastandardformatregarding:0 0m  (1)style; m m  0 0m  (2)arrangement; m m  0 0m  (3)overallappearance;and m m  0 0m  (4)content; m m  foranoutlineofcoverage. (c)An agent insuranceproducer whosolicitsalongtermcare --6 insurancepolicyshalldelivertheoutlineofcoveragebeforethepresentationofanapplicationorenrollmentform. .p/8  (d)Theoutlineofcoveragemustbepresentedinconjunctionwithanyapplicationorenrollmentformwhenthereisadirectresponsesolicitationoflongtermcareinsurance. (e)Anoutlineofcoveragerequiredunderthissectionmustincludethefollowing:0 0m  (1)Adescriptionoftheprincipalbenefitsandcoverageprovidedinthepolicy. m m  0 0m  (2)Astatementoftheprincipalexclusions,reductions,andlimitationssetforthinthepolicy. m m  0 0m  (3)Astatementofthepolicy'srenewalprovisions,includinganyreservationbytheinsurerofarighttochangepremiums. m m  0 0m  (4)Astatementthattheoutlineofcoverageisasummaryofthepolicyissuedorappliedfor,andthatthepolicyshouldbeconsultedtodeterminetheexacttermsofthecoverageprovidedbythepolicy. m m  0 0m  (5)Adescriptionofthetermsunderwhichthepolicymaybereturnedandthepremiumrefunded. m m  0 0m  (6)Abriefdescriptionoftherelationshipofthecostofcareandbenefits. m m  0 0m  (7)Astatementofthetermsunderwhichthepolicyorcertificatemaycontinueorbediscontinued,includinganyreservationinthepolicyoftherighttochangethepremium. m m  0 0m  (8)Aspecificstatementoftheprovisionsforcontinuationorconversionofgroupcoverage. m m  v  SECTION67.4simiWE  5  IC27-8-12-186WE%lar  7simiPԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.18.(a)Asusedinthissection,"compensation"includespecuniaryandnonpecuniaryremunerationofanykindrelatingtothesaleorrenewalofthepolicyorcertificateincluding,butnotlimitedto,thefollowing:0 0m  (1)Bonuses. m m  0 0m  (2)Gifts. m m  0 0m  (3)Prizes. m m  0 0m  (4)Awards. m m  0 0m  (5)Findersfees. m m   (b)Aninsurerorotherentitythatprovidesacommissionorothercompensationtoan agent insuranceproducer orotherrepresentative !b & forthesaleofalongtermcareinsurancepolicymaynotviolatethefollowingconditions:0 0m  (1)Theamountofthefirstyearcommissionorfirstyearcompensationforsellingorservicingthepolicymaynotexceedtwohundredpercent(200%)oftheamountofthecommissionorothercompensationpaidinthesecondyear. m m  0 0m  (2)Theamountofcommissionorothercompensationprovidedinyearsafterthesecondyearmustbeequaltotheamountprovidedinthesecondyear. m m  0 0m  (3)Acommissionorothercompensationmustbeprovidedeachyearforatleastfive(5)yearsafterthefirstyear. m m   (c)Ifanexistinglongtermcarepolicyorcertificateisreplaced,theinsurerorotherentitythatissuesthereplacementpolicymaynotprovide,andits agent insuranceproducer maynotaccept, -,4 compensationinanamountgreaterthantherenewalcompensation .h-5 payablebythereplacinginsureronrenewalpolicies,unlessthebenefitsofthereplacementpolicyorcertificateareclearlyandsubstantiallygreaterthanthebenefitsunderthereplacedpolicyorcertificate. (d)Thissectiondoesnotapplytothefollowing:0 0m  (1)Lifeinsurancepoliciesandcertificates. m m  0 0m  (2)Apolicyorcertificatethatissponsoredbyanemployerforthebenefitof: m m  0 0m  0 m m (A)theemployer'semployees;or    0 0m  0 m m (B)theemployer'semployeesandtheirdependents.    v  SECTION68.4simiWE  5  IC27-8-12-196WE/  7ZԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.19.(a)Inadditiontoanyothersanctionprovidedunderthisarticle,thecommissionermayimposeacivilpenaltyagainstaninsurerwhohasviolatedthischapterorrulesadoptedunderthischapter.Apenaltyimposedunderthissectionmustbethegreaterof:0 0m  (1)three(3)timestheamountofthecommissionspaidforeachpolicyinvolvedintheviolation;or m m  0 0m  (2)tenthousanddollars($10,000). m m   (b)Inadditiontoanyothersanctionprovidedunderthistitle,thecommissionermayimposeapenaltyagainstaninsurance agent  `  producer whohasviolatedthischapterorrulesadoptedunderthis > chapter.Thepenaltymustbethegreaterof:0 0m  (1)uptothree(3)timestheamountofthecommissionspaid to n thatinsuranceproducer foreachpolicyinvolvedintheviolation; N or m m  0 0m  (2)twenty-fivehundreddollars($2,500). m m  v  SECTION69.4WE  5  IC27-8-13-26WE  7ԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.2.Asusedinthischapter,"Medicaresupplementinsurancesolicitation"meansameetingbetweenaninsurance agent producer andanotherindividualatwhich $ the agent insuranceproducer discussesthepossibleissuanceofa d% medicaresupplementpolicytotheotherindividual.v  SECTION70.4WE  5  IC27-8-13-46WE*  7UԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.4.(a)FollowingaMedicaresupplementinsurancesolicitation,an agent insurance !|$, producer shallgivetheindividualinvolvedinthesolicitationareceipt "\%- formaterialsreceivedbythe agent insuranceproducer asaresultof #<&. thesolicitation. (b)Thereceiptrequiredundersubsection(a)mustbedatedandsignedbythe agent insuranceproducer andmustsetforththe :&(1 following:0 0m  (1)Anitemizedlistofthematerialsreceivedbythe agent.  '*3  insuranceproducer. (t+4m m  0 0m  (2)The agent's insuranceproducer's name.)P,5m m  0 0m  (3)Theaddressandtelephonenumberofthe agent's insurance *0-6 producer's office.r+.7m m   (c)Asusedinthissection,"materials"includesany:0 0m  (1)document; m m  0 0m  (2)cash;.0:m m  0 0m  (3)moneyorder;or m m  0 0m  (4)checkordraft; m m  receivedbythe agent. insuranceproducer. Thetermdoesnotinclude 6 anapplicationforapolicy.v  SECTION71.4WE  5  IC27-8-19.8-8.56WE  7",ASAMENDEDBYP.L.132-2001,SECTION14,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.8.5.Thefollowingmustbelicensedas a life  >   insurance agent aninsuranceproducerwithalifequalification     under IC 27-1-15.6: 4WE  5  IC27-1-15.6-76WE  7:  n   0 0m  (1)Aviaticalsettlementbroker. m m  0 0m  (2)Apersonwhosolicits,offers,orattemptstonegotiateaviaticalsettlementcontractwithaviator. m m  v  SECTION72.4WE  5  IC27-8-28-176WE  7,ASAMENDEDBYP.L.1-2002,SECTION116,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.17.(a)Aninsurershallestablishwrittenpoliciesandproceduresforthetimelyresolutionofappealsofgrievancedecisions.Theproceduresforregisteringandrespondingtooralandwrittenappealsofgrievancedecisionsmustincludethefollowing:0 0m  (1)Writtenororalacknowledgmentoftheappealnotmorethanfive(5)businessdaysaftertheappealisfiled. m m  0 0m  (2)Documentationofthesubstanceoftheappealandtheactionstaken. m m  0 0m  (3)Investigationofthesubstanceoftheappeal,includinganyaspectsofclinicalcareinvolved. m m  0 0m  (4)Notificationtothecoveredindividual: m m  0 0m  0 m m (A)ofthedispositionofanappeal;and    0 0m  0 m m (B)thatthecoveredindividualmayhavetherighttofurtherremediesallowedbylaw.    0 0m  (5)Standardsfortimelinessin: m m  0 0m  0 m m (A)respondingtoanappeal;and    0 0m  0 m m (B)providingnoticetocoveredindividualsof:    0 0m  0 m m 0   (i)thedispositionofanappeal;and    0 0m  0 m m 0   (ii)therighttoinitiateanexternalgrievancereviewunder4WE  5  IC27-8-296LWE`  7;    0 0m  thataccommodatetheclinicalurgencyofthesituation. m m   (b)Inthecaseofanappealofagrievancedecisiondescribedinsection6(1)or6(2)ofthischapter,aninsurershallappointapanelofone(1)ormorequalifiedindividualstoresolveanappeal.Thepanelmustincludeone(1)ormoreindividualswho:0 0m  (1)haveknowledgeofthemedicalcondition,procedure,ortreatmentatissue; m m  0 0m  (2)arelicensedinthesameprofessionandhaveasimilarspecialtyastheproviderwhoproposedordeliveredthehealthcareprocedure,treatment,orservice; m m  0 0m  (3)arenotinvolvedinthemattergivingrisetotheappealorintheinitialinvestigationofthegrievance;and m m  0 0m  (4)donothaveadirectbusinessrelationshipwiththecoveredindividualorthehealthcareproviderwhopreviouslyrecommendedthehealthcareprocedure,treatment,orservicegivingrisetothegrievance..r/8m m   (c)Anappealofagrievancedecisionmustberesolved:0 0m  (1)asexpeditiouslyaspossible,reflectingtheclinicalurgencyofthesituation;and m m  0 0m  (2)notlaterthanforty-five(45)daysaftertheappealisfiled. m m   Aninsurerthatviolatesthissubsectioncommitsanunfairand x deceptiveactorpracticeinthebusinessofinsuranceunder4WE  5  IC27-4-1-4.6yWE  7 (d)Ifaninsurerviolatessubsection(c),theinsurershallfileareportwiththedepartmentduringthequarterinwhichtheviolationoccurredconcerningtheinsurer'scompliancewithsubsection(c).Thereportmustincludethefollowing:0 0m  (1)Thenumberofappealedgrievancedecisionsthatwerenotresolvedasrequiredundersubsection(c). m m  0 0m  (2)Thereasoneachappealdescribedinsubdivision(1)wasnotresolved.  m m   (d) (e) Aninsurershallallowacoveredindividualtheopportunityto: f  0 0m  (1)appearinpersonbefore;or m m  0 0m  (2)ifunabletoappearinperson,otherwiseappropriatelycommunicatewith; m m  thepanelappointedundersubsection(b). (e) (f) Aninsurershallnotifyacoveredindividualinwritingofthe D resolutionofanappealofagrievancedecisionwithinfive(5)businessdaysaftercompletingtheinvestigation.Theappealresolutionnoticemustincludethefollowing:0 0m  (1)Astatementofthedecisionreachedbytheinsurer. m m  0 0m  (2)Astatementofthereasons,policies,andproceduresthatarethebasisofthedecision. m m  0 0m  (3)Noticeofthecoveredindividual'srighttofurtherremediesallowedbylaw,includingtherighttoexternalgrievancereviewbyanindependentrevieworganizationunder4WE  5  IC27-8-29.6WE  7 m m  0 0m  (4)Thedepartment,address,andtelephonenumberthroughwhichacoveredindividualmaycontactaqualifiedrepresentativetoobtainmoreinformationaboutthedecisionortherighttoanexternalgrievancereview. m m  v  SECTION73.4fWE  5  IC27-9-1-36WEive  7fԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.3.(a)Adelinquencyproceedingunderthischaptermayonlybecommencedbythecommissioner.Acourtmaynotentertain,hear,ordetermineaproceedingcommencedbyanyotherperson. (b)Acourtmaynotentertain,hear,ordetermineanycomplaintrequesting:0 0m  (1)thedissolution,liquidation,rehabilitation,sequestration,conservation,orreceivershipofanyinsurer;or m m  0 0m  (2)aninjunction,restrainingorder,orotherreliefpreliminaryto,incidentalto,orrelatingtothoseproceedingsotherthaninaccordancewiththisarticle. m m   (c)Inadditiontoothergroundsforjurisdictionprovidedbythelaw,anIndianacourthavingjurisdictionofthesubjectmatterhasjurisdictionoverapersonservedundertheIndianarulesofcourtorotherapplicablelawinanactionbroughtbythereceiverofadomesticinsureroranalieninsurerdomiciledinIndianaifthepersonservedis: .R-5 0 0m  (1)obligatedtotheinsurerinanywayasanincidenttoanyagencyorbrokeragearrangementthatmayexistorhasexistedbetweentheinsurerandthe agent insuranceproducer orbroker,inanyaction 6 onorincidenttotheobligation; m m  0 0m  (2)areinsurerwho: m m  0 0m  0 m m (A)hasatanytimewrittenapolicyofreinsuranceforaninsureragainstwhicharehabilitationorliquidationorderisineffectwhentheactioniscommenced;or    0 0m  0 m m (B)isan agent insuranceproducer orbrokerof,orfor,the l  reinsurerinanyactiononorincidenttothereinsurancecontract;or    0 0m  (3)orhasbeenanofficer,manager,trustee,organizer,promoter,orpersoninapositionofcomparableauthorityorinfluenceinaninsureragainstwhicharehabilitationorliquidationorderisineffectwhentheactioniscommencedinanyactionresultingfromsucharelationshipwiththeinsurer. m m   (d)Ifitappearstoareceiverappointedinaproceedingunderthisarticlethattherehasbeencriminalortortiousconduct,breachofanycontractualorfiduciaryobligation,orotherunlawfulconductdetrimentaltotheinsurerbyanydirector,officer,manager, agent,  ~  insuranceproducer, broker,employee,orotherpersonorentity,the \ receivermaypursueallappropriatelegalremediesonbehalfoftheinsurer. (e)IfthecourtonmotionofanypartyfindsthatanyactionshouldasamatterofsubstantialjusticebetriedinaforumoutsideIndiana,thecourtmayenteranordertostayfurtherproceedingsontheactioninIndiana. (f)AllactionauthorizedbythissectionmustbebroughtintheMarionCountycircuitcourt.v  SECTION74.4fWE  5  IC27-9-1-56WEcond  7ousԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.5.(a)Anofficer,manager,director,trustee,owner,employee,or agent insuranceproducer ofanyinsurer, b" oranyotherpersonswithauthorityoverorinchargeofanysegmentoftheinsurer'saffairs,shallcooperatewiththecommissionerinanyproceedingunderIC27-9oranyinvestigationpreliminarytotheproceeding.Theterm"person",asusedinthissection,includesanypersonwhoexercisescontrol,directlyorindirectly,overactivitiesof "H!'  an insurerthroughanyholdingcompanyorotheraffiliateofthe #&"( insurer."Tocooperate"includes:0 0m  (1)replyingpromptlyinwritingtoanyinquiryfromthecommissionerrequestingsuchareply;and m m  0 0m  (2)makingavailabletothecommissionerallbooks,accounts,documents,orotherrecords,information,orpropertyoforpertainingtotheinsurerandin his theinsurer's possession, (\'. custody,orcontrol. m m   (b)Apersonmaynotobstructorinterferewiththecommissionerintheconductofanydelinquencyproceedingoranyinvestigationpreliminarytoorincidentaltoaninvestigation. (c)Thissectiondoesnotabridgeexistinglegalrights,includingtherighttoresistapetitionforliquidation,otherdelinquencyproceedings,orotherorders. .p-5  (d)Apersonwho:0 0m  (1)isincludedwithinsubsection(a)andwhofailstocooperatewiththecommissioner; m m  0 0m  (2)obstructsorinterfereswiththecommissionerintheconductofanydelinquencyproceedingoranyinvestigationpreliminaryorincidentaltoadelinquencyproceeding;or m m  0 0m  (3)violatesanyorderofthecommissionerunderIC27-9; m m  commitsaClassAinfraction.v  SECTION75.4ousWE  5  IC27-9-3-96WEcond  7ous ԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.9.(a)Thecommissionermaypetitionforanorderdissolvingthecorporateexistenceofadomesticinsurer,ortheUnitedStatesbranchofanalieninsurerdomiciledinIndiana,atthetime he thecommissioner appliesforaliquidation  p  order.TheMarionCountycircuitcourtshallorderdissolutionofthecorporationuponpetitionbythecommissioneruponorafterthegrantingofaliquidationorder.Ifthedissolutionhasnotpreviouslybeenordered,thedissolutionshallbeeffectedbyoperationoflawuponthedischargeoftheliquidatoriftheinsurerisinsolventbutmaybeorderedbythecourtuponthedischargeoftheliquidatoriftheinsurerisunderaliquidationorderforsomeotherreason. (b)Theliquidatormaydoallactsnecessaryorappropriatefortheaccomplishmentoftheliquidation,includingthefollowing:0 0m  (1)Appointaspecialdeputytoactfor him theliquidator under  thisarticle,anddetermineareasonablecompensationforthatspecialdeputy. m m  0 0m  (2)Employemployeesand agents, insuranceproducers, legal , counsel,actuaries,accountants,appraisers,consultants,andotherpersonnelas he theliquidator considersnecessarytoassistinthe x liquidation. m m  0 0m  (3)Fixthereasonablecompensationofemployeesand agents,  6   insuranceproducers, legalcounsel,actuaries,accountants, ! appraisers,andconsultantswiththeapprovalofthecourt. m m  0 0m  (4)Payreasonablecompensationtopersonsappointedanddefrayfromthefundsorassetsoftheinsurerallexpensesoftakingpossessionof,conserving,conducting,liquidating,disposingof,orotherwisedealingwiththebusinessandpropertyoftheinsurer. m m  0 0m  (5)Holdhearings,subpoenawitnessestocompeltheirattendance,administeroaths,examineanypersonunderoath,andcompelanypersontosubscribeto his theperson's testimonyafterithasbeen x$#) correctlyreducedtowriting,andinconnectionwithhearingsandtheexaminationofwitnessesrequiretheproductionofanybooks,papers,records,orotherdocumentswhich he theliquidator '%,  deemsrelevanttotheinquiry.'&-m m  0 0m  (6)Collectalldebtsandmoneysdueandclaimsbelongingtotheinsurer,whereverlocated,andforthispurpose: m m  0 0m  0 m m (A)institutetimelyactioninotherjurisdictions,inordertoforestallgarnishmentandattachmentproceedingsagainstthosedebts;    0 0m  0 m m (B)dootheractsnecessaryorexpedienttocollect,conserve,orprotectitsassetsorproperty,includingthepowertosell,compound,compromise,orassigndebtsforpurposesof .r-5 collectionupontermsandconditionsas he theliquidator z  considersbest;andZ   0 0m  0 m m (C)pursueanycreditor'sremediesavailabletoenforce his the 8 liquidator's claims.   0 0m  (7)Conductpublicandprivatesalesofthepropertyoftheinsurer. m m  0 0m  (8)Useassetsoftheestateofaninsurerunderaliquidationordertotransferpolicyobligationstoasolventassuminginsurer,ifthetransfercanbearrangedwithoutprejudicetoapplicableprioritiesundersection40ofthischapter. m m  0 0m  (9)Acquire,hypothecate,encumber,lease,improve,sell,transfer,abandon,orotherwisedisposeofordealwith,anypropertyoftheinsureratitsmarketvalueoruponsuchtermsandconditionsasarefairandreasonable. m m  0 0m  (10)Borrowmoneyonthesecurityoftheinsurer'sassetsorwithoutsecurityandexecuteanddeliveralldocumentsnecessarytothattransactionforthepurposeoffacilitatingtheliquidation. m m  0 0m  (11)Enterintocontractsthatarenecessarytocarryouttheordertoliquidate,andaffirmordisavowanycontractstowhichtheinsurerisaparty. m m  0 0m  (12)Continuetoprosecuteandtoinstituteinthenameoftheinsurer,orin his theliquidator's ownname,allsuitsandother ^ legalproceedings,inIndianaorelsewhere,andabandontheprosecutionofclaims he theliquidator considersunprofitableto  pursuefurther. m m  0 0m  (13)Prosecuteanyactionthatmayexistinbehalfofthecreditors,members,policyholders,orshareholdersoftheinsureragainstanydirectororofficeroftheinsurer,oranyotherperson. m m  0 0m  (14)Removeallrecordsandpropertyoftheinsurertotheofficesofthecommissionerortosomeotherplaceasmaybeconvenientforthepurposesofefficientandorderlyexecutionoftheliquidation. m m  0 0m  (15)Depositinone(1)ormorebanksinIndianasumsrequiredformeetingcurrentadministrationexpensesanddividenddistributions. m m  0 0m  (16)Investallsumsnotcurrentlyneeded,unlessthecourtordersotherwise. m m  0 0m  (17)FileanynecessarydocumentsforrecordintheofficeofanyrecorderofdeedsorrecordofficeinIndianaorelsewherewherepropertyoftheinsurerislocated. m m  0 0m  (18)Assertalldefensesavailabletotheinsurerasagainstthirdpersons,includingstatutesoflimitation,statutesoffrauds,andthedefenseofusury. m m  0 0m  (19)Exerciseandenforcealltherights,remedies,andpowersofanycreditor,shareholder,policyholder,ormember,includinganypowertoavoidanytransferorlienthatmaybegivenbythegenerallawandthatisnotincludedinsections14through16ofthischapter. m m  0 0m  (20)Interveneinanyproceedingwhereverinstitutedthatmightleadtotheappointmentofareceiverortrustee,andactasthereceiverortrusteewhenevertheappointmentisoffered. m m  0 0m  (21)Enterintoagreementswithanyreceiverorcommissionerof .f+2 anyotherstaterelatingtotherehabilitation,liquidation,conservation,ordissolutionofaninsurerdoingbusinessinbothstates. m m  0 0m  (22)ExerciseallpowersconferreduponreceiversbythelawsofIndiananotinconsistentwiththisarticle. m m  v  SECTION76.4 ousWE  5  IC27-9-3-106WE   7 ԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.10.(a)UnlesstheMarionCountycircuitcourtotherwisedirects,theliquidatorshallgivenoticeoftheliquidationorderassoonaspossibleby:0 0m  (1)first-classmailandeitherbytelegramortelephonetotheinsurancecommissionerofeachjurisdictioninwhichtheinsurerisdoingbusiness; m m  0 0m  (2)first-classmailtoanyguarantyassociationorforeignguarantyassociationthatisormaybecomeobligatedasaresultoftheliquidation; m m  0 0m  (3)first-classmailtoallinsurance agents producers oftheinsurer;| m m  0 0m  (4)first-classmailtoallpersonsknownorreasonablyexpectedtohaveclaimsagainsttheinsurer,includingallpolicyholders,attheirlastknownaddressasindicatedbytherecordsoftheinsurer; m m  0 0m  (5)first-classmailtothesecretaryofstate'soffice;and m m  0 0m  (6)publicationinanewspaperofgeneralcirculationinthecountyinwhichtheinsurerhasitsprincipalplaceofbusinessandinallotherlocationstheliquidatorconsidersappropriate. m m   (b)Noticetopotentialclaimantsundersubsection(a)mustrequireclaimantstofilewiththeliquidatortheirclaims,togetherwithproperproofofthoseclaimsundersection34ofthischapter,beforeadatetheliquidatorspecifiesinthenotice.Theliquidatorneednotrequirepersonsclaimingcashsurrendervaluesorotherinvestmentvaluesinlifeinsuranceandannuitiestofileaclaim.Allclaimantsmustkeeptheliquidatorinformedofanychangesofaddress. (c)Ifnoticeisgiveninaccordancewiththissection,thedistributionofassetsoftheinsurerunderthischaptershallbeconclusivewithrespecttoallclaimants,whetherornottheyreceivednotice.v  SECTION77.4  WE  5  IC27-9-3-116"WE"   7 "ԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.11.(a)Everypersonwhoreceivesnoticeintheformprescribedinsection10ofthischapterthataninsurerwhom he theperson representsasan agent insurance "J#* producer isthesubjectofaliquidationordermust,withinfifteen(15) #*$+ daysofthatnotice,givenoticeoftheliquidationordertoeachpolicyholderasprovidedbysubsection(b). (b)Thenoticemustbesentbyfirstclassmailtothelastaddresscontainedinthe agent's insuranceproducer's recordstoeach ''/ policyholderorotherpersonnamedinanypolicyissuedthroughthat '(0  agent insuranceproducer bytheinsurer,if he theinsurance (b)1 producer hasarecordoftheaddressofthepolicyholderorother )B*2 person. (c)Apolicyshallbetreatedasthoughitwereissuedthroughan agent insuranceproducer ifthe agent insuranceproducer hasa H,,5 propertyinterestintheexpirationofthepolicy,orifthe agent  (--6  insuranceproducer hashadin his theinsuranceproducer's ..7  possessionacopyofthedeclarationsofthepolicyatanytimeduring .|/8 thelifeofthepolicy,exceptwheretheownershipoftheexpirationofthepolicyhasbeentransferredtoanother. (d)Thewrittennoticemustinclude:0 0m  (1)thenameandaddressoftheinsurer; m m  0 0m  (2)thenameandaddressofthe agent; insuranceproducer; andxm m  0 0m  (3)identificationofthepolicyimpairedandthenatureoftheimpairment,includingterminationofcoverageasdescribedinsection8ofthischapter. m m   (e)Noticebyageneralagentsatisfiesthenoticerequirementforany l   agents insuranceproducers undercontractto him. thegeneralagent.  J   Each agent insuranceproducer obligatedtogivenoticeunderthis *   sectionshallfileareportofcompliancewiththeliquidator. (f)Afterahearingunder4  WE  5  IC4-21.5-36,WE,   7 ,,an agent insuranceproducer  n   failingtogivenoticeorfileareportofcomplianceasrequiredby N  subsection(e)maybesubjecttopaymentofapenaltyofnotmorethanonethousanddollars($1,000)andmayhave his theinsurance   producer's licensesuspended. d   (g)Theliquidatormaywaivethedutiesimposedbythissectionif he  D  theliquidator determinesthatothernoticetothepolicyholdersofthe " insurerunderliquidationisadequate.v  SECTION78.4 WE  5  IC27-9-3-316/WE/isa  7ion%0ԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.31.(a)An agent,  L  insuranceproducer, abroker,anagency,apremiumfinance * company,aninsured,oranyotherpersonresponsibleforthepaymentofapremiumshallbeobligatedtopayanyearnedbutunpaidpremiumforanypolicythatisduetheinsurerforcoverageprovidedbeforethedeclarationofinsolvency.However,an agent, insuranceproducer, a  broker,anagency,apremiumfinancecompany,aninsured,oranyotherpersonresponsibleforthepaymentofapremiumshallnotberesponsibleforanyunpaidpremiumunearnedasofthetimeofthedeclarationofinsolvency. (b)Inadditiontotheobligationowedundersubsection(a),an agent,  n"  insuranceproducer, broker,agency,premiumfinancecompany,or L# anyotherperson,otherthantheinsured,responsibleforthepaymentofapremiumtotheinsurancecompanyoranyholdingcompanyshallpayanyunearnedpremiumcollectedfromtheinsuredbeforethedeclarationofinsolvency.Thecommissionermayalsorecoverfromthatpersonanypartofanunearnedpremiumthatrepresentsacommissionofthatperson. (c)Creditsorsetoffsorbothmaynotbeallowedtoan agent,  `%#*  insuranceproducer, broker,orpremiumfinancecompanyforany >&$+ amountsadvancedtotheinsurerbythe agent, insuranceproducer, '%,  broker,orpremiumfinancecompanyonbehalfof,butintheabsence '&- ofapaymentby,theinsured. (d)Uponsatisfactoryevidenceofaviolationofthissection,thecommissionermaypursuethefollowingcoursesofactionagainstthosepartieslicensedbythedepartmentofinsurance:0 0m  (1)Suspend,revoke,orrefusetorenewthelicensesoftheoffendingparty. m m  0 0m  (2)Imposeapenaltyofnotmorethanonethousanddollars .,4 ($1,000)foreachandeveryactinviolationofthisarticlebytheparty. m m  Thesepenaltiesareinadditiontoandnotinlieuoftheobligationsowedundersubsections(a)and(b). (e)Beforethecommissionermaytakeanyactionasprovidedinsubsection(d), he thecommissioner shallgivewrittennoticetothe V personaccusedofviolatingthelaw,statingspecificallythenatureoftheallegedviolation,andfixingatime(atleastten(10)daysafterthenoticeissent)andplacewhenahearingonthematteristobeheld.Afterthehearing,ifthecommissionerfindsaviolation,oruponfailureoftheaccusedtoappearatthehearing,thecommissionershallimposewhateverpenaltiesallowedundersubsection(d)as he the   commissioner considersadvisable.  l   (f)Subsection(a)doesnotrelieveaninsuredofanyobligationthatmayexisttoreimburseanyagency, agent, insuranceproducer, broker, *  premiumfinancecompany,orotherpersonforamountsadvancedtotheinsureronbehalfoftheinsured.v  SECTION79.4ionWE  5  IC27-9-4-36=WE=isa  7ion=ԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.3.(a)Thedomiciliaryliquidatorofaninsurerdomiciledinareciprocalstateshall,exceptastospecialdepositsandsecurityonsecuredclaimsundersection4(c)ofthischapter,bevestedbyoperationoflawwiththetitletoalloftheassets,property,contracts,andrightsofaction, agents' insuranceproducers' $  balances,andallofthebooks,accounts,andotherrecordsofthe v insurerlocatedinIndiana.Thedateofvestingshallbethedateofthefilingofthepetition,ifthatdateisspecifiedbythedomiciliarylawforthevestingofpropertyinthedomiciliarystate.Otherwise,thedateofvestingshallbethedateofentryoftheorderdirectingpossessiontobetaken.Thedomiciliaryliquidatorshallhavetheimmediaterighttorecoverbalancesduefrom agents insuranceproducers andtoobtain 8  possessionofthebooks,accounts,andotherrecordsoftheinsurerlocatedinIndiana. He Thedomiciliaryliquidator alsoshallhavethe h" righttorecoverallotherassetsoftheinsurerlocatedinIndiana,subjecttosection4ofthischapter. (b)Ifadomiciliaryliquidatorisappointedforaninsurernotdomiciledinareciprocalstate,thecommissionershallbevestedbyoperationoflawwiththetitletoalloftheproperty,contractsandrightsofaction,andallofthebooks,accounts,andotherrecordsoftheinsurerlocatedinIndiana,atthesametimethatthedomiciliaryliquidatorisvestedwithtitleinthedomicile.TheIndianainsurancecommissionermaypetitionforaconservationorliquidationorderunder sections section 1or2ofthischapter,orforanancillary '%, receivershipundersection4ofthischapter,orafterapprovalbytheMarionCountycircuitcourtmaytransfertitletothedomiciliaryliquidator,astheinterestsofjusticeandtheequitabledistributionoftheassetsrequire. (c)ClaimantsresidinginIndianamayfileclaimswiththeliquidatororancillaryreceiver,ifany,inIndianaorwiththedomiciliaryliquidator,ifthedomiciliarylawpermits.Theclaimsmustbefiledonorbeforethelastdatefixedforthefilingofclaimsinthedomiciliaryliquidationproceedings. .t-5 v  SECTION80.4ionWE  5  IC27-10-1-26GWEGisa  7ion&HԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.2."Alllinesfireandcasualty agent" insuranceproducer" meansan agent insurance 6 producer whoholdsavalidlicenseissuedbythedepartmentof  insurancetoengageinthewritingandtransactingofallofthefollowinglinesandkindsofinsurance:0 0m  (1)Propertyinsurance. m m  0 0m  (2)Casualtyinsurance. m m  0 0m  (3)Suretyinsurance. m m  0 0m  (4)Disabilityinsurance. m m  0 0m  (5)Inlandmarineinsurance. m m  v  SECTION81.4ionWE  5  IC27-10-3-16KWEKisa  7ionLԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.1.(a)Apersonmaynotactinthecapacityofabailagentorrecoveryagentorperformanyofthefunctions,duties,orpowersprescribedforbailagentsorrecoveryagentsunderthisarticleunlessthepersonisqualifiedandlicensedasprovidedinthisarticle.However,noneofthetermsofthissectionshallprohibitanyindividualorindividualsfrom:0 0m  (1)pledgingrealorotherpropertyassecurityforabailbondinjudicialproceedingsandwheretheindividualdoesnotreceive,orisnotpromised,moneyorotherthingsofvalue;or m m  0 0m  (2)executinganybailbondforaninsurer,pursuanttoabailbondserviceagreemententeredintobetweentheinsurerandanyautomobilecluborassociation,financinginstitution,insurancecompany,orotherorganizationorassociation,andonbehalfofapersonrequiredtofurnishbailinconnectionwithanyviolationoflawarisingoutoftheuseofamotorvehicle. m m   (b)Alicense:0 0m  (1)maynotbeissuedexceptincompliancewiththisarticle;and m m  0 0m  (2)mayonlybeissuedtoanindividual. m m  However,uponanaffirmativeshowingtothecommissionerinwritingbyanindividualthattheindividualisanalllinesfireandcasualty agent, insuranceproducer, asuretybailagentlicenseshallbeissued >& totheindividualwithoutfurtherqualificationorfeetorepresentaninsurertheindividualislicensedtorepresent.Theindividualshallbesubjecttoandgovernedbylawsandrulesrelatingtobailagentswhenengagedintheactivitiesofabailagent. (c)Afirm,apartnership,anassociation,alimitedliabilitycompany,oracorporationmaynotbelicensed. (d)Theapplicantmustapplyinwriting,onformspreparedandsuppliedbythecommissioner,andthecommissionermaypropoundanyreasonableinterrogatoriestoanapplicantforalicenseunderthisarticleoronanyrenewalofalicenserelatingtotheapplicant'squalifications,residence,prospectiveplaceofbusiness,andanyothermatterswhich,intheopinionofthecommissioner,aredeemednecessaryorexpedientinordertoprotectthepublicandascertainthequalificationsoftheapplicant.Thecommissionermayalsoconductanyreasonableinquiryorinvestigationthecommissionerseesfit,relativetothedeterminationoftheapplicant'sfitnesstobelicensedortocontinuetobelicensed. (e)Thefailureoftheapplicanttosecureapprovalofthe .r/8 commissionershallnotprecludetheapplicantfromapplyingasmanytimesastheapplicantdesires.However,anapplicant'sapplicationmaynotbeconsideredbythecommissionerwithinone(1)yearsubsequenttothedateuponwhichthecommissionerdeniedtheapplicant'slastapplication.v  SECTION82.4ionWE  5  IC27-10-3-36XWEXran  7dfoXԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.3.(a)Theapplicationforlicense,inadditiontothematterssetoutinsection1ofthischapter,toserveasabailagentmustaffirmativelyshowthat:0 0m  (1)theapplicantisatleasteighteen(18)yearsofageandisofgoodmoralcharacter; m m  0 0m  (2)theapplicanthasneverbeenconvictedofadisqualifyingoffense,notwithstanding4dfoWE  5  IC25-1-1.16[WE/[ran  7dfoZ[,or: m m  0 0m  0 m m (A)inthecaseofafelonyconviction,atleastten(10)yearshavepassedsincethedateoftheapplicant'sconvictionorreleasefromimprisonment,parole,orprobation,whicheverislater;or    0 0m  0 m m (B)inthecaseofamisdemeanordisqualifyingoffense,atleastfive(5)yearshavepassedsincethedateoftheapplicant'sconvictionorreleasefromimprisonment,parole,orprobation,whicheverislater;and    0 0m  (3)theapplicanthasknowledge,experience,orinstructioninthebailbondbusiness,orhasheldavalidalllinesfireandcasualty agent's insuranceproducer's licenseforone(1)yearwithinthe  lastfive(5)years,orhasbeenemployedbyacompanyengagedinwritingbailbondsinwhichfieldtheapplicanthasactivelyengagedforatleastone(1)yearofthelastfive(5)years. m m   (b)Theapplicationmustaffirmativelyshowthattheapplicanthasbeenabonafideresidentof the state Indiana forone(1)year t immediatelyprecedingthedateofapplication.However,thecommissionermaywaivethisrequirement.v  SECTION83.4dfoWE  5  IC27-11-8-962aWEFaran  7dfoqaԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.9.(a) Agents  `%  Insuranceproducers ofsocietiesshallbelicensedinaccordancewith >& thelawsregulatingthelicensingandtherevocation,suspension,orterminationoflicenseofresidentandnonresident agents. insurance  !( producers.  !r")  (b)Noexaminationorlicenseshallberequiredofanyregularsalariedofficer,employee,ormemberofalicensedsocietywhodevotessubstantiallyalloftheofficer's,employee'sormember'sservicestoactivitiesotherthanthesolicitationoffraternalinsurancecontractsfromthepublicandwhoreceivesforthesolicitationofthosecontractsnocommissionorothercompensationdirectlydependentupontheamountofbusinessobtained.v  SECTION84.4dfoWE  5  IC27-13-1-36deWExeran  7dfoe,ASAMENDEDBYP.L.132-2001,SECTION15,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.3. "Agent" "Insuranceproducer" meansa *$-6 personwhoisalicensedinsurance agent producer under4dfoWE  5  IC27-1-15.66gWEgran  7dfoGg f+.7 andwho:0 0m  (1)solicits,negotiates,effects,procures,delivers,renews,orcontinuesapolicyorcontractformembershipinahealthmaintenanceorganizationoraprepaidlimitedhealthservice .~1; organization; m m  0 0m  (2)takesortransmitsamembershipfeeorpremiumforthepolicyorcontractotherthanforthe agent insuranceproducer; or6m m  0 0m  (3)causesthe agent insuranceproducer tobeheldouttothe  public,throughadvertisingorotherwise,asaproducerforahealthmaintenanceorganizationoraprepaidlimitedhealthserviceorganization. m m  v  SECTION85.4!dfoWE  5  IC27-13-10-86jWEkran  7dfo0   7 i (c)Insteadofmaintainingafidelitybondundersubsection(a),alimitedservicehealthmaintenanceorganizationmaydepositwiththecommissioner:0 0m  (1)cash; m m  0 0m  (2)certificatesofdeposit; m m  0 0m  (3)UnitedStatesgovernmentobligationsacceptabletothecommissioner; m m  0 0m  (4)anyothersecuritiesacceptabletothecommissionerofthetypesreferredtoin4* WE  5  IC27-13-11-16WE0   7 >;or m m  0 0m  (5)acombinationoftheitemsdescribedinsubdivisions(1)through(4). m m  Adepositmadeunderthissubsectionisinadditiontoanyotherrequireddeposit,andmustalsobemaintainedinjointcustodywiththecommissionerintheamountandsubjecttothesameconditionsrequiredforafidelitybondunderthissection.___v __ _SECTION88.40 WE  5  IC27-13-36.2-76͐WE0   7  ԀISADDEDTOTHEINDIANACODEASA NEW _SECTION_ԀTOREADASFOLLOWS 8 [EFFECTIVEUPONPASSAGE]: Sec.7.(a)Beginningonthe  effectivedateofthedatereferredtoinSection262ofthefederalHealthInsurancePortabilityandAccountabilityAct(42U.S.C.1320d-4),ahealthmaintenanceorganizationmayrequestfromtheinsurancecommissionerappointedunder42 WE  5  IC27-1-1-261WEE0   7 pԀawaiverfromtherequirementsofthischapterthatapplytoclaimsfiledonpaper. (b)Thecommissionermaygrantawaiverunderthissectionif,notmorethansix(6)monthsaftertheeffectivedatedescribedinsubsection(a),therequestinghealthmaintenanceorganizationexperiencesanincreaseofthelesserof:0 0m  (1)tenthousand(10,000);or m m  0 0m  (2)atleasttwentypercent(20%); m m  inthevolumeofclaimsfiledonpaper. (c)Awaivergrantedunderthissectioniseffectiveforasetperioddeterminedbythecommissioner. (d)ThissectionexpiresDecember31,2005.   j% ___v __ _SECTION89.43 WE  5  IC28-1-11-26LWE`0   7 ,ASAMENDEDBYP.L.134-2001,_SECTION_Ԁ7,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.2.AnybankortrustcompanyshallhavepowertoactasfiscalortransferagentoftheUnitedStatesorofanystate,municipality,bodypoliticorcorporation;andinsuchcapacitytoreceiveanddisbursemoney;totransfer,registerandcountersigncertificatesofstock,bondsorotherevidenceofindebtedness;toauthenticateandcertifyanysuchbondsandcertificatesofindebtedness;toactasagenttobuyandselldomesticandforeigntransportation;tosolicitandwriteinsuranceas agent aninsurance )*2 producer orbrokerforanyinsurancecompanyauthorizedtodo f**3 businessinthestateorstateswherethe agent insuranceproducer or F++4 brokeroperates;andtoactasattorneyinfactoragentofanypersonorcorporation,foreignordomestic,foranylawfulpurpose.___v __ _SECTION90.45 WE  5  IC28-1-11-2.56kWE0   7 ,ASAMENDEDBY_HEA_Ԁ1653-2003,_SECTION_Ԁ2,ISAMENDEDTOREADASFOLLOWS[EFFECTIVE .^1; JULY1,2003]:Sec.2.5.(a)Abankortrustcompanymayactasan agent insuranceproducer forthesaleofanylifeinsurancepolicyor X annuitycontractissuedbyalifeinsurancecompanyauthorizedtodobusinessinanystateinwhichtheagentoperates. (b)Abankortrustcompanythatactsasan agent insurance z producer forthesaleofalifeinsurancepolicyoranannuitycontract Z inIndiana:0 0m  (1)issubjecttoallrequirementsofIC27;and m m  0 0m  (2)mustcomplywiththedisclosurerequirementsunder47 m WE  5  IC27-1-38.6nWE0   7  m m   (c)Abankortrustcompanymaynotcondition:0 0m  (1)anextensionofcredit; m m  0 0m  (2)aleaseorsaleofrealorpersonalproperty; m m  0 0m  (3)theperformanceofservices;or m m  0 0m  (4)theamountchargedfor: m m  0 0m  0 m m (A)extendingcredit;    0 0m  0 m m (B)leasingorsellingrealorpersonalproperty;or    0 0m  0 m m (C)performingservices;    uponaperson'spurchaseofalifeinsurancepolicyoranannuitycontractfromthebankortrustcompanyoranaffiliate(asdefinedin4- D WE  5  IC28-2-13-36WE  7 ڤ)ofthebankortrustcompany. (d)Thissectiondoesnotprohibitabankortrustcompanyfromrequiringthataperson,asaconditiontoatransaction,obtainalifeinsurancepolicyfromaninsurancecompanyacceptabletothebankortrustcompany.___v __ _SECTION91.49#WE  5  IC28-5-1-6.56ݦWE  7 ,ASAMENDEDBYP.L.130-2002,_SECTION_Ԁ6,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.6.5.(a)Notwithstandinganyotherprovisionofthistitle,anindustrialloanandinvestmentcompanymayactasan agent insuranceproducer forthesaleofanyannuitycontractissued 4  byalifeinsurancecompany(asdefinedin4;;WE  5  IC27-1-2-36WE'  7R)authorizedtodobusinessinIndianaunderIC27-1. (b)Anindustrialloanandinvestmentcompanythatactsasan agent  B#  insuranceproducer forthesaleofanannuitycontract:  $ 0 0m  (1)issubjecttoallrequirementsofIC27relatingtothesaleandsolicitationofinsurance,includinglicensingasan agent insurance !l & producer under40WE  5  IC27-1-15.66WE  7ǫ;and"L!'m m  0 0m  (2)mustcomplywiththedisclosurerequirementsunder42m WE  5  IC27-1-38.6WE¬  7 m m   (c)Thissectiondoesnotgivepowerto,orotherwiseaffectthepowerof,anindustrialloanandinvestmentcompanytoactasan agent  8&$+  insuranceproducer forthesaleoflifeinsuranceotherthananannuity '%, contract.___ v __ _SECTION92.4< WE  5  IC28-6.1-6-146WE,  7<W,ASAMENDEDBYP.L.130-2002,_SECTION_Ԁ7,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.14.(a)Asavingsbankmaysolicitandwriteinsuranceasan agent insuranceproducer orabrokerforany n+,4 insurancecompanyauthorizedtodobusinessinthestateorstateswherethe agent insuranceproducer orbrokeroperates. ,--6   (b)Asavingsbankoritsaffiliate(asdefinedin4>-WE  5  IC28-6.2-1-46WE̱  7)may  ..7 _actasan agent insuranceproducer forthesaleofanylifeinsurance z  policyorannuitycontractissuedbyalifeinsurancecompany(asdefinedin45< WE  5  IC27-1-2-36KWE_  7)authorizedtodobusinessinthestateorstateswherethe agent insuranceproducer operates.   (c)Asavingsbankoritsaffiliatethatactsasan agent insurance | producer forthesaleofalifeinsurancepolicyoranannuitycontract \ undersubsection(b):0 0m  (1)issubjecttoallrequirementsofIC27withrespecttothe agent's insuranceproducer's activityinIndiana;andr m m  0 0m  (2)mustcomplywiththedisclosurerequirementsunder47m WE  5  IC27-1-38.6nWE  7 m m   (d)Asavingsbankoritsaffiliatemaynotcondition:0 0m  (1)anextensionofcredit; m m  0 0m  (2)aleaseorsaleofrealorpersonalproperty; m m  0 0m  (3)theperformanceofaservice;or m m  0 0m  (4)theamountchargedfor: m m  0 0m  0 m m (A)extendingcredit;    0 0m  0 m m (B)leasingorsellingrealorpersonalproperty;or    0 0m  0 m m (C)performingservices;    uponaperson'spurchaseofalifeinsurancepolicyoranannuitycontractfromthesavingsbankoritsaffiliate. (e)Thissectiondoesnotprohibitasavingsbankoritsaffiliatefromrequiringthataperson,asaconditiontoatransaction,obtainalifeinsurancepolicyfromaninsurancecompanyacceptabletothesavingsbankoritsaffiliate. v  SECTION93.4?#WE  5  IC28-7-1-9.16WEɻ  7 ,ASAMENDEDBYP.L.130-2002,SECTION8,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.9.1.(a)Acreditunionorarelatedcreditunionserviceorganization(asdefinedinsection0.5(7)ofthischapter)thatactsasan agent insuranceproducer forthesaleofalifeinsurance 8  policyoranannuitycontractissuedbyalifeinsurancecompany(asdefinedin4AB WE  5  IC27-1-2-36WE   76):0 0m  (1)issubjecttotherequirementsofIC27;and m m  0 0m  (2)mustcomplywiththedisclosurerequirementsof4:9WE  5  IC27-1-38.6_WEs  7u m m   (b)Acreditunionorcreditunionserviceorganizationmaynotcondition:0 0m  (1)anextensionofcredit; m m  0 0m  (2)aleaseorsaleofrealorpersonalproperty; m m  0 0m  (3)theperformanceofaservice;or m m  0 0m  (4)theamountchargedfor: m m  0 0m  0 m m (A)extendingcredit;    0 0m  0 m m (B)leasingorsellingrealorpersonalproperty;or    0 0m  0 m m (C)performingservices;    uponaperson'spurchaseofalifeinsurancepolicyoranannuitycontractfromthecreditunionorrelatedcreditunionserviceorganization. (c)Thissectiondoesnotprohibitacreditunionoracreditunionserviceorganizationfromrequiringthataperson,asaconditiontoatransaction,obtainalifeinsurancepolicyfromaninsurancecompanyacceptabletothecreditunionorcreditunionserviceorganization. v  SECTION94.4BWE  5  IC28-14-3-106WE  7'?,ASAMENDEDBY_P.L.215-1999, .x/8 _SECTION_Ԁ13,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.10.AcorporatefiduciaryhasthepowertoactasfiscalortransferagentoftheUnitedStatesoranystate,municipality,bodypolitic,orcorporation,andmay,inthatcapacity:0 0m  (1)receiveanddisbursemoney; m m  0 0m  (2)transfer,register,andcountersigncertificatesofstocks,bonds,andotherevidenceofindebtedness; m m  0 0m  (3)authenticateandcertifybondsandcertificatesofindebtednessreferredtoinsubdivision(2); m m  0 0m  (4)actasagenttobuyandselldomesticandforeigntransportation; m m  0 0m  (5)solicitandwriteinsuranceas agent insuranceproducer or &   brokerforanyinsurancecompanyauthorizedtodobusinessinIndiana;and m m  0 0m  (6)actasattorneyinfactoragentofanypersonorcorporation,foreignordomestic,foranylawfulpurpose. m m  ___v __ _SECTION95.4DWE  5  IC28-14-3-1160WED  7'o,ASAMENDEDBYP.L.130-2002,_SECTION_Ԁ9,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.11.(a)Notwithstandinganyotherprovisionofthistitle,acorporatefiduciarymayactasan agent insuranceproducer for  thesaleofanyannuitycontractoranylifeinsurancepolicyissuedbyalifeinsurancecompany(asdefinedin4FZWE  5  IC27-1-2-36nWE  7)authorizedtodobusinessinIndianaunderIC27-1. (b)Acorporatefiduciarythatactsasanagentforthesaleofanannuitycontractoralifeinsurancepolicy:0 0m  (1)issubjecttoallrequirementsofIC27relatingtothesaleandsolicitationofinsurance,includinglicensingasan agent insurance , producer under4<WE  5  IC27-1-15.66WE  7;and m m  0 0m  (2)mustcomplywiththedisclosurerequirementsunder4Hm WE  5  IC27-1-38.6WE  7 m m  ___v __ _SECTION96.4JWE  5  IC34-18-5-36WE-  7XԀISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.3.(a)Thesurchargeshallbecollectedonthesamebasisaspremiumsbyeachinsurer,riskmanager,orsurpluslines agent. producer.  B&  (b)Thesurchargeisdueandpayablewithinthirty(30)daysafterthepremiumformalpracticeliabilityinsurancehasbeenreceivedbytheinsurer,riskmanager,orsurpluslines agent producer fromahealth !t") careproviderinIndiana.Ifasurchargeisnotpaidasrequiredbythissection,theinsurer,riskmanager,orsurpluslines agent producer  #2$+ responsibleforthedelinquencyisliableforthesurchargeplusapenaltyequaltotenpercent(10%)oftheamountofthesurcharge. (c)Iftheannualpremiumsurchargeisnotpaidwithinthetimelimitspecifiedinsubsection(b),thecertificateofauthorityoftheinsurer,riskmanager,andsurpluslines agents producer shallbesuspended '(0 untiltheannualpremiumsurchargeispaid.___v __ _SECTION97.4K2WE  5  IC35-43-9-46WE  7,ASAMENDEDBYP.L.132-2001,_SECTION_Ԁ25,ISAMENDEDTOREADASFOLLOWS[EFFECTIVEJULY1,2003]:Sec.4.Asusedinthischapter,"titleinsuranceagent"meansapersonwhoholdsalimited insurance representative's lines L,.8 producer's licenseissuedunder4MWE  5  IC27-1-15.6-186WE  7(4)anddisburses ,-/9 fundsfromatitleinsuranceescrowaccounttoapartyinconnectionwitharesidentialrealpropertytransaction. .1; ___v __ _SECTION98.[EFFECTIVEJULY1,2003] (a)4N=WE  5  IC27-8-28-176WE  7UԀand z 4PD WE  5  IC27-13-10-86SWEg  7`,bothasamendedbythisact,applytoanappealofagrievancethatisfiledafterJune30,2003. (b)This_SECTION_ԀexpiresJune30,2006.   ___v __ _SECTION_99._Ԁ Anemergencyisdeclaredforthisact.    =4d@4d= (ReferenceistoEHB1407asreprintedApril10,2003.)=@@@4d4d=    XXhD D 8@@@d@d8  @u: @@@\ \ ConferenceCommitteeReport#@@ @u:#@ @@@pp)on r #@@ @#@u: @@@ Fx  @u:EngrossedHouse#@u:  Fx"##@@ @u:#@u: @@Bill1407 >  #@@ @u:#@5k@@?KRB>z , p @@E8 ' '   #@@@5k#@ O!@@_igned_Ԁby: o     ' ' *X D  *#@@!@ O#  ____________________________  ____________________________ o   RepresentativeFryԀSenatorPaul M   Chairperson  ____________________________  ____________________________ !K   RepresentativeRipleyԀSenatorLewis ")     HouseConferees  SenateConferees =$! _ _