IC 27-7-8
    Chapter 8. Legal Insurance

IC 27-7-8-1
Definitions
    Sec. 1. Definitions. As used in this chapter:
    "Advertising" means any communication to the public the purposeof which is to convey information purporting to describe a legalinsurance plan.
    "Commissioner" refers to the commissioner of insurance.
    "Department" refers to the department of insurance.
    "Employee" means an individual employed or permitted to workor perform services for remuneration under a contract of hire, writtenor oral, by an employer.
    "Employer" means a person who hires an employee.
    "Group legal insurance" refers to legal insurance issued under amaster policy covering the individuals set out in subdivisions (1) and(2) of section 3 of this chapter, applying a rate that is lower than therate shown in the insurer's manual for individual policies of the sametype and class.
    "Insurer" means a person who obtains a certificate of authorityunder IC 27-1-3-20.
    "Legal insurance" means insurance against class 2(m) risk of lossas described in IC 27-1-5-1.
    "Person" means an individual, partnership, corporation, limitedliability company, business trust, or association.
    "Solicitation" means any invitation or request to enroll in a legalinsurance plan, or attempt to obtain consideration for the coverage ofa legal insurance plan, or any other device the purpose of which is toinduce an individual to enroll in, or pay consideration for, a legalinsurance plan.
As added by Acts 1978, P.L.129, SEC.2. Amended by P.L.8-1993,SEC.427.

IC 27-7-8-2
Provisions governing legal insurance
    Sec. 2. In addition to the other applicable provisions of IC 27, aninsurer providing legal insurance must comply with the provisions ofthis chapter.
As added by Acts 1978, P.L.129, SEC.2.

IC 27-7-8-3
Authority to issue insurance to individuals and groups
    Sec. 3. Legal insurance may be issued to an individual or, as agroup policy to:
        (1) ten (10) or more employees; or
        (2) ten (10) or more members of a trade or professionalassociation, labor union, or any other association of members inthe same or related occupation, profession, or industry inexistence for two (2) years, having a constitution, and formed

for a purpose other than obtaining insurance.
As added by Acts 1978, P.L.129, SEC.2.

IC 27-7-8-4
Payment of premiums; persons authorized
    Sec. 4. The following may periodically pay to the insurer, asprovided in the contract to insure, the premiums on a group legalinsurance policy:
        (1) An employer for its employees.
        (2) An association for its members.
        (3) A labor union for its members.
As added by Acts 1978, P.L.129, SEC.2.

IC 27-7-8-5
Group policies; rights to obtain individual coverage
    Sec. 5. (a) A group policy must contain a provision that allows aninsured member who no longer qualifies for group coverage to obtainan individual policy with similar coverage.
    (b) An individual desiring to obtain an individual policy asprovided under subsection (a) must apply for the policy not later thanthirty-one (31) days from the date on which the individual is nolonger a qualified member of the group.
    (c) The individual policy shall be issued on one (1) of the formsissued by the insurer for individual policies, and the premium on thepolicy must be at the insurer's customary rate for the class of risk towhich the individual belongs.
As added by Acts 1978, P.L.129, SEC.2.

IC 27-7-8-6
Master group policy; individual certificates; filing; contents
    Sec. 6. An insurer shall issue an individual or master policy thatserves as evidence of a contractual obligation. A certificate ofcoverage must be issued to each individual under a group policy. Allsuch documents must be filed with the commissioner as requiredunder this title. In addition to those provisions, each policy orcertificate concerning legal insurance must contain a complete andclear statement of:
        (1) the legal benefits to which the insured is entitled;
        (2) any limitation or exclusion on the services, kinds ofservices, benefits to be provided, including deductible orcopayment features; and
        (3) where information is available as to how services may beobtained.
As added by Acts 1978, P.L.129, SEC.2.

IC 27-7-8-7
Regulations
    Sec. 7. The commissioner may promulgate regulations underIC 4-22-2 that he considers necessary for the proper administrationof this chapter.As added by Acts 1978, P.L.129, SEC.2.