State Codes and Statutes
Statutes > Oregon > Vol16 > 743 Chapter 743 — Healthand Life Insurance
2009 EDITION
HEALTHAND LIFE INSURANCE
INSURANCE
GENERALPROVISIONS
743.010 Healthinsurance policy and health benefit plan forms; rules
743.013 Disclosureof differences in replacement health insurance policies; nonduplication forpersons 65 and older; rules
743.015 Filingand approval of credit life and credit health insurance forms; filing of rates
743.018 Filingof rates for life and health insurance; rules
743.019 Publiccomment on proposed rates for health insurance
743.020 Ratefiling to include statement of administrative expenses; rules
743.024 Personalinsurance, insurable interest and beneficiaries
743.027 Consentof individual required for life and health insurance; exceptions
743.028 Uniformhealth insurance claim forms
743.030 Lifeinsurance for benefit of charity
743.039 Alterationof application for life or health insurance
743.041 Paymentdischarges insurer
743.043 Assignmentof policies
743.046 Exemptionof proceeds of individual life insurance other than annuities
743.047 Exemptionof proceeds of group life insurance
743.049 Exemptionof proceeds of annuity policies; assignability of rights
743.050 Exemptionof proceeds of health insurance
743.053 Prohibitionon requirement that death or dismemberment occur in less than 180 days afteraccident
POLICYLANGUAGE SIMPLIFICATION
743.100 Shorttitle
743.101 Purpose
743.103 Definitionsfor ORS 743.100 to 743.109
743.104 Scopeof ORS 743.100 to 743.109
743.106 Readingease standards for life and health insurance policies
743.107 Whendirector may authorize lower standards
743.109 Approvalof certain policy forms containing specified provisions; conditions forapproval
INDIVIDUALLIFE INSURANCE AND ANNUITIES
(Generally)
743.150 Scopeof ORS 743.150, 743.153 and 743.156
743.153 Statementof benefits
743.154 Accelerationof death benefits; rules
743.156 Statementof premium
(IndividualLife Insurance Policies)
743.159 Scopeof ORS 743.162 to 743.243
743.162 Paymentof premium
743.165 Graceperiod
743.168 Incontestability
743.171 Incontestabilityand limitation of liability after reinstatement
743.174 Entirecontract
743.177 Statementsof insured
743.180 Misstatementof age
743.183 Dividends
743.186 Policyloan
743.187 Maximuminterest rate on policy loan; adjustable interest rate
743.189 Reinstatement
743.192 Paymentof claim; payment of interest upon failure to pay proceeds
743.195 Installmentpayments
743.198 Title
743.201 Beneficiaryof industrial policies
743.204 StandardNonforfeiture Law for Life Insurance; applicability
743.207 Requiredprovisions relating to nonforfeiture
743.210 Determinationof cash surrender values; applicability to certain policies
743.213 Determinationof paid-up nonforfeiture benefits
743.215 Calculationof adjusted premiums
743.216 Adjustedpremiums; applicability
743.218 Requirementsfor determination of future premium amounts or minimum values
743.219 Supplementalrules for calculating nonforfeiture benefits
743.221 Cashsurrender values upon default in premium payment
743.222 Policybenefits and premiums that shall be disregarded in calculating cash surrendervalues and paid-up nonforfeiture benefits
743.225 Prohibitedprovisions
743.228 Actsof corporate insured or beneficiary with respect to policy
743.230 Variablelife policy provisions
743.231 “Profit-sharingpolicy” defined
743.234 “Charterpolicy” or “founders policy” defined
743.237 “Couponpolicy” defined
743.240 Profit-sharing,charter or founders policies prohibited
743.243 Restrictionson form of coupon policy
743.245 Variablelife insurance policy provisions
743.247 Noticeto variable life insurance policyholders
(IndividualAnnuity and Pure Endowment Policies)
743.252 Scopeof ORS 743.255 to 743.273
743.255 Graceperiod for annuities
743.258 Incontestability
743.261 Entirecontract
743.264 Misstatementof age or sex
743.267 Dividends
743.268 Advancementof policy loans
743.269 Periodicpayments for period certain
743.270 Reinstatement
743.271 Periodicstipulated payments on variable annuities
743.272 Computingbenefits
743.273 Standardprovisions of reversionary annuities
743.275 StandardNonforfeiture Law for Individual Deferred Annuities; application
743.278 Requiredprovisions in annuity policies; exception
743.284 Computationof benefits
743.287 Commencementof annuity payments at optional maturity dates; calculation of benefits
743.290 Noticeof nonpayment of certain benefits to be included in annuity policy
743.293 Minimumforfeiture amounts for annuity policies; rules
743.295 Effectof certain life insurance and disability benefits on minimum nonforfeitureamounts
GROUPLIFE INSURANCE
743.303 Requirementsfor issuance of group life insurance policies
743.306 Requiredprovisions in group life insurance policies
743.309 Nonforfeitureprovisions
743.312 Graceperiod
743.315 Incontestability
743.318 Application;representations by policyholders and insureds
743.321 Evidenceof insurability
743.324 Misstatementof age
State Codes and Statutes
Statutes > Oregon > Vol16 > 743 Chapter 743 — Healthand Life Insurance
2009 EDITION
HEALTHAND LIFE INSURANCE
INSURANCE
GENERALPROVISIONS
743.010 Healthinsurance policy and health benefit plan forms; rules
743.013 Disclosureof differences in replacement health insurance policies; nonduplication forpersons 65 and older; rules
743.015 Filingand approval of credit life and credit health insurance forms; filing of rates
743.018 Filingof rates for life and health insurance; rules
743.019 Publiccomment on proposed rates for health insurance
743.020 Ratefiling to include statement of administrative expenses; rules
743.024 Personalinsurance, insurable interest and beneficiaries
743.027 Consentof individual required for life and health insurance; exceptions
743.028 Uniformhealth insurance claim forms
743.030 Lifeinsurance for benefit of charity
743.039 Alterationof application for life or health insurance
743.041 Paymentdischarges insurer
743.043 Assignmentof policies
743.046 Exemptionof proceeds of individual life insurance other than annuities
743.047 Exemptionof proceeds of group life insurance
743.049 Exemptionof proceeds of annuity policies; assignability of rights
743.050 Exemptionof proceeds of health insurance
743.053 Prohibitionon requirement that death or dismemberment occur in less than 180 days afteraccident
POLICYLANGUAGE SIMPLIFICATION
743.100 Shorttitle
743.101 Purpose
743.103 Definitionsfor ORS 743.100 to 743.109
743.104 Scopeof ORS 743.100 to 743.109
743.106 Readingease standards for life and health insurance policies
743.107 Whendirector may authorize lower standards
743.109 Approvalof certain policy forms containing specified provisions; conditions forapproval
INDIVIDUALLIFE INSURANCE AND ANNUITIES
(Generally)
743.150 Scopeof ORS 743.150, 743.153 and 743.156
743.153 Statementof benefits
743.154 Accelerationof death benefits; rules
743.156 Statementof premium
(IndividualLife Insurance Policies)
743.159 Scopeof ORS 743.162 to 743.243
743.162 Paymentof premium
743.165 Graceperiod
743.168 Incontestability
743.171 Incontestabilityand limitation of liability after reinstatement
743.174 Entirecontract
743.177 Statementsof insured
743.180 Misstatementof age
743.183 Dividends
743.186 Policyloan
743.187 Maximuminterest rate on policy loan; adjustable interest rate
743.189 Reinstatement
743.192 Paymentof claim; payment of interest upon failure to pay proceeds
743.195 Installmentpayments
743.198 Title
743.201 Beneficiaryof industrial policies
743.204 StandardNonforfeiture Law for Life Insurance; applicability
743.207 Requiredprovisions relating to nonforfeiture
743.210 Determinationof cash surrender values; applicability to certain policies
743.213 Determinationof paid-up nonforfeiture benefits
743.215 Calculationof adjusted premiums
743.216 Adjustedpremiums; applicability
743.218 Requirementsfor determination of future premium amounts or minimum values
743.219 Supplementalrules for calculating nonforfeiture benefits
743.221 Cashsurrender values upon default in premium payment
743.222 Policybenefits and premiums that shall be disregarded in calculating cash surrendervalues and paid-up nonforfeiture benefits
743.225 Prohibitedprovisions
743.228 Actsof corporate insured or beneficiary with respect to policy
743.230 Variablelife policy provisions
743.231 “Profit-sharingpolicy” defined
743.234 “Charterpolicy” or “founders policy” defined
743.237 “Couponpolicy” defined
743.240 Profit-sharing,charter or founders policies prohibited
743.243 Restrictionson form of coupon policy
743.245 Variablelife insurance policy provisions
743.247 Noticeto variable life insurance policyholders
(IndividualAnnuity and Pure Endowment Policies)
743.252 Scopeof ORS 743.255 to 743.273
743.255 Graceperiod for annuities
743.258 Incontestability
743.261 Entirecontract
743.264 Misstatementof age or sex
743.267 Dividends
743.268 Advancementof policy loans
743.269 Periodicpayments for period certain
743.270 Reinstatement
743.271 Periodicstipulated payments on variable annuities
743.272 Computingbenefits
743.273 Standardprovisions of reversionary annuities
743.275 StandardNonforfeiture Law for Individual Deferred Annuities; application
743.278 Requiredprovisions in annuity policies; exception
743.284 Computationof benefits
743.287 Commencementof annuity payments at optional maturity dates; calculation of benefits
743.290 Noticeof nonpayment of certain benefits to be included in annuity policy
743.293 Minimumforfeiture amounts for annuity policies; rules
743.295 Effectof certain life insurance and disability benefits on minimum nonforfeitureamounts
GROUPLIFE INSURANCE
743.303 Requirementsfor issuance of group life insurance policies
743.306 Requiredprovisions in group life insurance policies
743.309 Nonforfeitureprovisions
743.312 Graceperiod
743.315 Incontestability
743.318 Application;representations by policyholders and insureds
743.321 Evidenceof insurability
743.324 Misstatementof age
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State Codes and Statutes
Statutes >
Oregon >
Vol16 >
743 Chapter 743 — Healthand Life Insurance
2009 EDITION
HEALTHAND LIFE INSURANCE
INSURANCE
GENERALPROVISIONS
743.010 Healthinsurance policy and health benefit plan forms; rules
743.013 Disclosureof differences in replacement health insurance policies; nonduplication forpersons 65 and older; rules
743.015 Filingand approval of credit life and credit health insurance forms; filing of rates
743.018 Filingof rates for life and health insurance; rules
743.019 Publiccomment on proposed rates for health insurance
743.020 Ratefiling to include statement of administrative expenses; rules
743.024 Personalinsurance, insurable interest and beneficiaries
743.027 Consentof individual required for life and health insurance; exceptions
743.028 Uniformhealth insurance claim forms
743.030 Lifeinsurance for benefit of charity
743.039 Alterationof application for life or health insurance
743.041 Paymentdischarges insurer
743.043 Assignmentof policies
743.046 Exemptionof proceeds of individual life insurance other than annuities
743.047 Exemptionof proceeds of group life insurance
743.049 Exemptionof proceeds of annuity policies; assignability of rights
743.050 Exemptionof proceeds of health insurance
743.053 Prohibitionon requirement that death or dismemberment occur in less than 180 days afteraccident
POLICYLANGUAGE SIMPLIFICATION
743.100 Shorttitle
743.101 Purpose
743.103 Definitionsfor ORS 743.100 to 743.109
743.104 Scopeof ORS 743.100 to 743.109
743.106 Readingease standards for life and health insurance policies
743.107 Whendirector may authorize lower standards
743.109 Approvalof certain policy forms containing specified provisions; conditions forapproval
INDIVIDUALLIFE INSURANCE AND ANNUITIES
(Generally)
743.150 Scopeof ORS 743.150, 743.153 and 743.156
743.153 Statementof benefits
743.154 Accelerationof death benefits; rules
743.156 Statementof premium
(IndividualLife Insurance Policies)
743.159 Scopeof ORS 743.162 to 743.243
743.162 Paymentof premium
743.165 Graceperiod
743.168 Incontestability
743.171 Incontestabilityand limitation of liability after reinstatement
743.174 Entirecontract
743.177 Statementsof insured
743.180 Misstatementof age
743.183 Dividends
743.186 Policyloan
743.187 Maximuminterest rate on policy loan; adjustable interest rate
743.189 Reinstatement
743.192 Paymentof claim; payment of interest upon failure to pay proceeds
743.195 Installmentpayments
743.198 Title
743.201 Beneficiaryof industrial policies
743.204 StandardNonforfeiture Law for Life Insurance; applicability
743.207 Requiredprovisions relating to nonforfeiture
743.210 Determinationof cash surrender values; applicability to certain policies
743.213 Determinationof paid-up nonforfeiture benefits
743.215 Calculationof adjusted premiums
743.216 Adjustedpremiums; applicability
743.218 Requirementsfor determination of future premium amounts or minimum values
743.219 Supplementalrules for calculating nonforfeiture benefits
743.221 Cashsurrender values upon default in premium payment
743.222 Policybenefits and premiums that shall be disregarded in calculating cash surrendervalues and paid-up nonforfeiture benefits
743.225 Prohibitedprovisions
743.228 Actsof corporate insured or beneficiary with respect to policy
743.230 Variablelife policy provisions
743.231 “Profit-sharingpolicy” defined
743.234 “Charterpolicy” or “founders policy” defined
743.237 “Couponpolicy” defined
743.240 Profit-sharing,charter or founders policies prohibited
743.243 Restrictionson form of coupon policy
743.245 Variablelife insurance policy provisions
743.247 Noticeto variable life insurance policyholders
(IndividualAnnuity and Pure Endowment Policies)
743.252 Scopeof ORS 743.255 to 743.273
743.255 Graceperiod for annuities
743.258 Incontestability
743.261 Entirecontract
743.264 Misstatementof age or sex
743.267 Dividends
743.268 Advancementof policy loans
743.269 Periodicpayments for period certain
743.270 Reinstatement
743.271 Periodicstipulated payments on variable annuities
743.272 Computingbenefits
743.273 Standardprovisions of reversionary annuities
743.275 StandardNonforfeiture Law for Individual Deferred Annuities; application
743.278 Requiredprovisions in annuity policies; exception
743.284 Computationof benefits
743.287 Commencementof annuity payments at optional maturity dates; calculation of benefits
743.290 Noticeof nonpayment of certain benefits to be included in annuity policy
743.293 Minimumforfeiture amounts for annuity policies; rules
743.295 Effectof certain life insurance and disability benefits on minimum nonforfeitureamounts
GROUPLIFE INSURANCE
743.303 Requirementsfor issuance of group life insurance policies
743.306 Requiredprovisions in group life insurance policies
743.309 Nonforfeitureprovisions
743.312 Graceperiod
743.315 Incontestability
743.318 Application;representations by policyholders and insureds
743.321 Evidenceof insurability
743.324 Misstatementof age
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