Tennessee Statutes

Title 56 - Insurance

Chapter 1 - Department of Commerce and Insurance
- Part 1 - General Provisions
- Part 2 - Organization and Personnel
- Part 3 - Division of Regulatory Boards
- Part 4 - Financial Valuations and Examination of Companies
- Part 5 - Annual Statements
- Part 6 - Records and Documents
- Part 7 - Rules and Regulations
- Part 8 - Penalties
Chapter 2 - Insurance Companies
- Part 1 - General Requirements for Doing Business
- Part 2 - Kinds of Insurance
- Part 3 - Rules and Regulations
- Part 4 - Foreign and Alien Insurance Companies
- Part 5 - Service of Process
- Part 6 - Unauthorized Insurers Process Act
- Part 7 - Enforcement of Decisions and Orders
Chapter 3 - Operation of Insurance Companies
- Part 1 - General Provisions
- Part 2 - Claims Office Requirements
- Part 3 - Investments of Domestic Life Insurance Companies
- Part 4 - Investments of Other Domestic Insurance Companies
- Part 5 - Separate Accounts and Allocations
- Part 6 - Prohibition on Political Funding
- Part 7 - Restrictions on Beneficial Owners, Directors and Officers
- Part 8 - Voluntary Deposit of Securities
Chapter 4 - Fees and Taxes
- Part 1 - Fees
- Part 2 - Taxes
- Part 3 - Investment Companies
- Part 4 - Production Credit Associations
Chapter 5 - Rates and Rating Organizations
- Part 1 - Fire Insurance. [Repealed.]
- Part 2 - Casualty and Fidelity Insurance. [Repealed.]
- Part 3 - General Provisions
- Part 4 - Restrictions on Use of Credit Scores
Chapter 6 - Agents, Solicitors and Administrators
- Part 1 - Tennessee Insurance Producer Licensing Act of 2002
- Part 2 - Agents for Bank Holding Companies
- Part 3 - Time-Price Differential Payment of Agents
- Part 4 - Administrators
- Part 5 - Managing General Agents Act
- Part 6 - Business Transacted with Producer Controlled Property/Casualty Insurer Act
- Part 7 - Health Care Service Utilization Review Act
- Part 8 - Reinsurance Intermediary Act
- Part 9 - Tennessee Public Adjuster Licensing Act of 2006
- Part 10 - Crop Insurance Adjusters [Effective January 1, 2010]
Chapter 7 - Policies and Policyholders
- Part 1 - General Provisions
- Part 2 - General ProvisionsLife Insurance
- Part 3 - Life Insurance Policies
- Part 4 - Standard Nonforfeiture Law
- Part 5 - Contingent and Mortality Contracts
- Part 6 - Affordable Health Insurance for the Uninsured. [Obsolete.]
- Part 7 - Industrial Insurance
- Part 8 - Fire Insurance
- Part 9 - Credit Life and Health Insurance
- Part 10 - Health and Accident Insurance
- Part 11 - General ProvisionsAuto Insurance
- Part 12 - Uninsured Motor Vehicle Coverage
- Part 13 - Cancellation of Auto Insurance
- Part 14 - Medicare Supplement Insurance
- Part 15 - Conversion of Group Insurance. [Transferred.]
- Part 16 - Easy to Read Life and Health Insurance Policy Act
- Part 17 - Prepaid Dental Plans
- Part 18 - Cancellation of Commercial Risk Insurance Act
- Part 19 - Cancellation of Personal Risk Insurance
- Part 20 - Memphis Plan Act of 1991
- Part 21 - Pet Insurance
- Part 22 - Tennessee Small Employer Group Health Coverage Reform Act
- Part 23 - Mandated Insurer or Plan Coverage
- Part 24 - Mandated Scope of Practice
- Part 25 - Mandated Insurer or Plan Options
- Part 26 - Mandated Offerings of Coverage
- Part 27 - Genetic Information Nondiscrimination in Health Insurance Act
- Part 28 - Health Insurance Portability, Availability and Renewability Act
- Part 29 - Access Tennessee Act of 2006 [Effective Until June 30, 2010]
- Part 30 - Cover Tennessee Act of 2006 [Effective Until June 30, 2010]
- Part 31 - Pharmacy Benefits Managers
- Part 32 - Pharmacy Benefits [Effective January 1, 2010.]
- Part 33 - Contracts with Health Care Providers
Chapter 8 - Unfair Competition and Unfair or Deceptive Practices
- Part 1 - Unfair Trade Practices and Unfair Claims Settlement Act of 2009
- Part 2 - Discrimination and Other Unlawful Practices. [Repealed.]
- Part 3 - Domestic Violence Victims Health Insurance Protection Act
Chapter 9 - Insurers Rehabilitation and Liquidation Act
- Part 1 - General Provisions
- Part 2 - Summary Proceedings
- Part 3 - Formal Proceedings
- Part 4 - Interstate Relations
- Part 5 - Supervision
Chapter 10 - Merger, Consolidation and Exchange of Stock
- Part 1 - General Provisions
- Part 2 - Tender Offers
- Part 3 - Disclosures of Material Transactions
Chapter 11 - Insurance Holding Company System Act of 1986
- 56-11-101 - Short title Definitions.
- 56-11-102 - Authorization for subsidiary.
- 56-11-103 - Mergers and acquisitions of control.
- 56-11-104 - Acquisitions resulting in change in control of insurer.
- 56-11-105 - Registration of insurers and health maintenance organizations Statements Disclaimer of affiliation.
- 56-11-106 - Transactions within a holding company system Standards Dividends Management of domestic insurers and health maintenance organizations.
- 56-11-107 - Financial condition of insurer or health maintenance organization.
- 56-11-108 - Confidentiality of investigations and examinations.
- 56-11-109 - Promulgation of rules and regulations.
- 56-11-110 - Injunctions Prohibited voting of securities Sequestration of voting securities.
- 56-11-111 - Penalties Injunctions.
- 56-11-112 - Assumption of control by commissioner Insolvency.
- 56-11-113 - Order of liquidation or rehabilitation Recovery by receivers.
- 56-11-114 - Suspension, revocation or refusal to renew license.
- 56-11-115 - Appeal of commissioner's action.
Chapter 12 - Insurance Guaranty Associations
- Part 1 - Tennessee Insurance Guaranty Association Act
- Part 2 - Life and Health Insurance Guaranty Association Act
Chapter 13 - Tennessee Captive Insurance Company Act
- 56-13-101 - Short title Purpose.
- 56-13-102 - Chapter definitions.
- 56-13-103 - Scope.
- 56-13-104 - Application for certificate authorizing issuance of malpractice insurance.
- 56-13-105 - Names of companies.
- 56-13-106 - Formation of captive insurance companies.
- 56-13-107 - Directors Terms Election Conflicts of interest in recovery of benefits.
- 56-13-108 - Sale of stock Increase in capital Restriction on expenses.
- 56-13-109 - Violations Penalties.
- 56-13-110 - No seal required on policies.
- 56-13-111 - Companies deemed incorporated under corporation law.
- 56-13-112 - Authority to do business.
- 56-13-113 - Reports and statements.
- 56-13-114 - Penalties for failure to file reports and statements.
- 56-13-115 - Grounds and procedure for suspension or revocation of certificate.
- 56-13-116 - Capital deposit Letter of credit.
- 56-13-117 - Security deposits Certificates.
- 56-13-118 - Deposit and safekeeping of securities and letters of credit.
- 56-13-119 - Forms of minimum surplus required.
- 56-13-120 - Examinations and investigations.
- 56-13-121 - Legal investments, acquisitions, and loans.
- 56-13-122 - Reinsurance.
- 56-13-123 - Policy provisions Approval.
- 56-13-124 - Ratemaking.
- 56-13-125 - Filing of rates.
- 56-13-126 - Rating organizations Membership.
- 56-13-127 - Exemption from compulsory associations.
- 56-13-128 - Tax on premiums collected Exemptions Penalties.
- 56-13-129 - Rules, regulations, and orders Hearings.
- 56-13-130 - Conversion of stock insurance corporation into mutual insurance corporation.
- 56-13-131 - Expenditure of public funds for capital stock or to provide guaranty capital.
- 56-13-132 - Annual regulatory fees.
- 56-13-133 - Independent annual audits of statutory financial statements.
Chapter 14 - Surplus Lines Insurance Act
- 56-14-101 - Short title.
- 56-14-102 - Chapter definitions.
- 56-14-103 - Surplus lines insurance authorized.
- 56-14-104 - Surplus lines agent's license.
- 56-14-105 - Eligibility for surplus lines insurance.
- 56-14-106 - Procedure for effecting surplus lines contracts.
- 56-14-107 - Requirements for surplus lines contracts.
- 56-14-108 - Eligibility of surplus lines insurers.
- 56-14-109 - Withdrawal of eligibility Surplus lines insurer.
- 56-14-110 - Validity of contracts.
- 56-14-111 - Liability of surplus lines insurer for losses and unearned premiums.
- 56-14-112 - Actions against insurer Service of process.
- 56-14-113 - Surplus lines insurance premium tax.
- 56-14-114 - Surplus lines agents may advertise.
- 56-14-115 - Surplus lines agents' commissions.
- 56-14-116 - Records of surplus lines agent.
- 56-14-117 - Penalty.
Chapter 15 - Fidelity and Bonding Companies
- 56-15-101 - General powers Right to become sureties Banking business prohibited.
- 56-15-102 - Guaranty corporation may become sole surety on bonds.
- 56-15-103 - Condition of doing business Attorney upon whom may be served process against company.
- 56-15-104 - Conditions for beginning business Filing charter and statement of assets and liabilities License.
- 56-15-105 - Conditions of doing business Deposit to be made with commissioner.
- 56-15-106 - Commissioner is custodian of securities deposited by bonding companies.
- 56-15-107 - Sworn financial statements to be filed quarterly Revocation of authority to do business to be mailed and published.
- 56-15-108 - Unlawful to write policies except through resident agents.
- 56-15-109 - Signing policy in blank unlawful.
- 56-15-110 - Power of commissioner as to violations.
- 56-15-111 - Revocation of license for violation.
- 56-15-112 - Action against company Jurisdiction Venue.
- 56-15-113 - Action against company Estopped to deny liability.
- 56-15-114 - Forfeiture of license for nonpayment of judgment.
- 56-15-115 - Noncompliance with chapter Penalty.
Chapter 16 - Exchange or Reciprocal Insurance Act of 1990
- Part 1 - Exchange or Reciprocal Insurance
- Part 2 - Domestic Reciprocals
Chapter 17 - Professional Liability Reciprocal Insurance [Repealed]
- 56-17-101 - 56-17-117. [Repealed.]
Chapter 18 - Mutual Life Insurance Companies
- 56-18-101 - Mutual associations Insuring members.
- 56-18-102 - Minimum capital requirements.
- 56-18-103 - Board of directors Powers Qualifications.
- 56-18-104 - Division of board of directors Classification Terms.
- 56-18-105 - Election of directors Annual meeting.
- 56-18-106 - Annual meeting Notice Voting by proxy.
- 56-18-107 - Voting false proxy Penalty.
- 56-18-108 - Conversion of stock life insurance company into mutual Authority to convert Requirements.
- 56-18-109 - Plan of mutualization.
- 56-18-110 - Policyholders' meeting to consider plan for conversion into mutual company.
- 56-18-111 - Procedure at policyholders' meeting to consider conversion Payment for shares by corporation.
- 56-18-112 - Acquisition of stock by corporation in carrying out plan of conversion Voting of stock.
- 56-18-113 - Officials of stock corporation become officers of new mutual corporation.
- 56-18-114 - Powers of corporation upon conversion.
- 56-18-115 - Existing contracts not affected by conversion of stock life insurance company into mutual.
- 56-18-116 - Abandonment of conversion of stock life insurance company into mutual.
Chapter 19 - Mutual Insurance Companies Other Than Life
- 56-19-101 - Incorporators Number Residence qualifications.
- 56-19-102 - Name of company.
- 56-19-103 - Articles of incorporation Acknowledgment Contents.
- 56-19-104 - Articles of incorporation Execution in duplicate Submission to commissioner Filing.
- 56-19-105 - Certificate of incorporation.
- 56-19-106 - Amendment of articles of incorporation.
- 56-19-107 - Legal existence Bylaws and transaction of business.
- 56-19-108 - Powers of company Insurance contracts Kinds of insurance Reinsurance.
- 56-19-109 - License Conditions precedent.
- 56-19-110 - Policy provisions.
- 56-19-111 - Corporate policyholders Officers not personally liable.
- 56-19-112 - Voting rights of members.
- 56-19-113 - Maximum premium to be stated Cash and contingent premiums.
- 56-19-114 - Investment of assets.
- 56-19-115 - Unearned premium and other reserves Maintenance.
- 56-19-116 - Assets not equal to unearned premium reserve and other liabilities Assessment of members Increase.
- 56-19-117 - Advancements.
- 56-19-118 - Foreign mutual insurance companies admitted if solvent Requirements for admission.
- 56-19-119 - Annual report Examination Information required.
- 56-19-120 - Reinsurance Restrictions.
- 56-19-121 - Resident agent not required.
- 56-19-122 - Companies governed by this chapter not subject to any other law.
- 56-19-123 - Violation of chapter Penalty Revocation of license.
- 56-19-124 - Requirements as to deposits and surplus.
- 56-19-125 - State malpractice insurance companies becoming state stock malpractice insurance companies Definitions Plans.
Chapter 20 - Mutual or Assessment Fire Insurance Companies
- 56-20-101 - Documents filed with commissioner.
- 56-20-102 - Policy provisions.
- 56-20-103 - Obligations of insured Uniformity.
- 56-20-104 - Payment of losses or damages Borrowing or assessments General assessments.
- 56-20-105 - Limitation on and use of assessments.
- 56-20-106 - Notice of assessments Time of payment Expense and cost of collection.
- 56-20-107 - Collection of assessments by officers Individual liability for neglect.
- 56-20-108 - Actions to recover assessments Penalty and interest.
- 56-20-109 - Lien for assessments Rights of subsequent purchaser, or junior lienholder.
- 56-20-110 - Exclusion from membership Policies cancelled or withdrawn Effect.
- 56-20-111 - Liability for assessments made before exclusion Penalty Limitation of actions.
- 56-20-112 - Notice of exclusion and cancellation Repayment of equitable portion of unearned premiums of cancelled policy.
- 56-20-113 - Annual statement to commissioner.
- 56-20-114 - Examination by commissioner Payment of expenses Prosecution of offending officers.
- 56-20-115 - Fees of commissioner.
- 56-20-116 - Extension of business operations.
- 56-20-117 - Exemption from deposit and surplus requirements.
Chapter 21 - State Mutual Fire Insurance Companies
- 56-21-101 - Paid-up guaranty capital Division into shares.
- 56-21-102 - Deposit of securities.
- 56-21-103 - Interest and dividends from guaranty capital securities to subscribers Dividends on paid-up shares.
- 56-21-104 - Investment of guaranty capital and other assets.
- 56-21-105 - Impairment of guaranty capital Effect.
- 56-21-106 - Retirement or liquidation of guaranty capital.
- 56-21-107 - Return to guarantors upon retirement or liquidation of guaranty capital.
- 56-21-108 - Withdrawal of guaranty capital or securities by guarantor.
- 56-21-109 - Reinsurance reserve Computation.
- 56-21-110 - Deposits and investments Borrowing of funds by officers or committee members prohibited Director or officer not to take fees for making loans Penalty.
- 56-21-111 - Annual report to commissioner Fee.
- 56-21-112 - Injunction against further business Procedure Appointment of receiver.
- 56-21-113 - Guaranty capitalized companies maintaining reinsurance reserves may limit premiums in policies.
- 56-21-114 - Policy and its prescribed requisites constitute the contract.
- 56-21-115 - Regular and contingent premium information in policy.
- 56-21-116 - Regular and contingent premiums Additional assessments.
- 56-21-117 - Policyholder's liability Computation as assets of company.
- 56-21-118 - Extent of policyholder's liability.
- 56-21-119 - Lien on insured property for premiums and other policy obligations.
- 56-21-120 - Action to collect premiums or other obligation Costs and attorney's fee.
- 56-21-121 - Voting rights of policyholders and guarantors Election of directors Qualifications of officers and directors.
- 56-21-122 - Accepting or rejecting insurance shall not be compensated by commissions on premiums.
- 56-21-123 - Maximum amounts of fire risks prescribed.
- 56-21-124 - Reinsurance of fire risks with or for other companies.
- 56-21-125 - Reinsurance of excess fire risks Reinsurance in unauthorized company Premium tax.
- 56-21-126 - Reinsurance of fire risks to be deducted in determining limit of insurance.
- 56-21-127 - Premium rate or assessment paid to reinsuring company.
- 56-21-128 - Regular policies, assessments and premium rates apply to reinsurance.
- 56-21-129 - Dividends to policyholders.
- 56-21-130 - Certificate of authority for agents Fee.
- 56-21-131 - Conversion of state mutual fire insurance company to state stock fire insurance company.
- 56-21-132 - Guaranty capital Contingent premiums.
Chapter 22 - Tennessee County Mutual Insurance Company Act of 2006
- 56-22-101 - Short title.
- 56-22-102 - Scope of chapter.
- 56-22-103 - Chapter definitions.
- 56-22-104 - Unlawful to transact insurance business without certificate of authority.
- 56-22-105 - Application for certificate of authority Minimum requirements.
- 56-22-106 - Authority conferred by certificate Withdrawal of permission to write insurance Security deposit Risk limitations Extension of business Surplus requirements Use of names Insolvency g
- 56-22-107 - Elections Commissions Compensation Benefits Expense ratios.
- 56-22-108 - Surplus or emergency fund Investment of assets Borrowing to cover losses.
- 56-22-109 - Annual statement Compliance with filing requirements for personal risk insurers Cancellation of policy of insurance Dividends.
- 56-22-110 - Required aggregate excess of loss reinsurance policy.
- 56-22-111 - Insolvency Assessments by other county mutual insurance companies.
- 56-22-112 - Acquisition or merger.
- 56-22-113 - Licensing requirements Requirements of managing general agents.
- 56-22-114 - Premium taxes Additional taxes for writing fire coverage.
- 56-22-115 - Examination of county mutual insurance company.
- 56-22-116 - Cease and desist order.
- 56-22-117 - Violations Hearings.
- 56-22-118 - County mutual insurance companies subject to same proceedings and actions as insurance companies.
- 56-22-119 - Fraud.
- 56-22-120 - Rules and regulations.
Chapter 23 - State Stock Fire Insurance Companies
- 56-23-101 - Property, casualty and surety insurance Certificate of authority.
- 56-23-102 - False swearing to statement to obtain certificate of authority Perjury Denial of right to do business Revocation of certificate.
- 56-23-103 - Ceding insurers credited pro rata unearned premium liability.
- 56-23-104 - Assuming insurers Determination of financial condition.
- 56-23-105 - Rates and rating organizations.
- 56-23-106 - Annual reports of companies Contents Financial condition Filing fee.
- 56-23-107 - Reinsurance of fire risks with or for other companies.
- 56-23-108 - Reinsurance of excess fire risks in unauthorized company with approval of commissioner Premium tax Payment.
- 56-23-109 - Certificate of authority for agents Fee.
- 56-23-110 - Rules and regulations.
- 56-23-111 - Assets Investments Loans Foreign investments.
Chapter 24 - Insolvent Domestic Corporations
- 56-24-101 - Insolvent domestic corporations Action by attorney general Application for restraining order.
- 56-24-102 - Receivers Power of court to appoint Removal of officers.
- 56-24-103 - Certificate of authority for agent Expiration Renewal Failure to apply for Transacting business without Penalty.
- 56-24-104 - Fees to be paid state.
Chapter 25 - Fraternal Benefit Societies
- Parts 1-10 - [Reserved]
- Part 11 - General Provisions
- Part 12 - Membership Proceedings Officers and Employees
- Part 13 - Organization
- Part 14 - Contractual Benefits
- Part 15 - Finances
- Part 16 - Regulation
- Part 17 - Miscellaneous Provisions
Chapter 26 - Accident and Sickness Insurance
- Part 1 - General Provisions
- Part 2 - Group Policies
- Part 3 - Cost Reporting
- Part 4 - False Health Care Claims [Repealed]
Chapter 27 - Medical Service Plan Law, 1945
- 56-27-101 - Short title.
- 56-27-102 - Chapter definitions.
- 56-27-103 - Formation of medical service plan corporation.
- 56-27-104 - Articles of incorporation and amendments Approval by commissioner.
- 56-27-105 - Board of directors Number Qualifications Nomination Election Compensation.
- 56-27-106 - Right to establish or operate plan.
- 56-27-107 - Scope and extent of medical service.
- 56-27-108 - Right to become participating physician Method of diagnosis and treatment unrestricted Private physician-patient relationship.
- 56-27-109 - Agreements with physicians.
- 56-27-110 - License required.
- 56-27-111 - Application for license Form Accompanying documents Filing fee.
- 56-27-112 - Prerequisites for issuance of license.
- 56-27-113 - Investment of funds.
- 56-27-114 - Administrative expenses.
- 56-27-115 - Purchase of liability insurance authorized.
- 56-27-116 - Records to be maintained.
- 56-27-117 - Annual statement Form Filing fee.
- 56-27-118 - Examination Rehabilitation or liquidation.
- 56-27-119 - Fees and taxes.
- 56-27-120 - Renewals of licenses Agents' certificates of authority.
- 56-27-121 - Orders and regulations Rates.
- 56-27-122 - Suspension or cancellation of licenses Withdrawal of approval of documents Amendment of certificate of authority Revocation and amendment of certificate, order, authority or consent.
- 56-27-123 - Revocation of license for violation of this chapter.
- 56-27-124 - Review of order of commissioner Writ of certiorari.
- 56-27-125 - Subscription contract Duration Renewal Termination Forfeiture of membership Deferment of inception coverage.
- 56-27-126 - Subscription contract and certificate Requirements Terms and conditions.
- 56-27-127 - Printed portions of subscription certificate.
- 56-27-128 - Subscriptions to provide medical care for needy Governmental or private contributions authorized.
- 56-27-129 - Settlement of dispute or controversy by commissioner Review of decision.
- 56-27-130 - Mailing list of physicians and surgeons to subscribers.
- 56-27-131 - Construction of chapter.
- 56-27-132 - Laws relating to practice of medicine and surgery or other insurance not affected.
- 56-27-133 - Sterilization insurance provision.
Chapter 28 - Hospital Service Corporations
- 56-28-101 - Application of chapter.
- 56-28-102 - Articles of incorporation and amendments Approval by commissioner.
- 56-28-103 - Board of directors Composition Compensation.
- 56-28-104 - License required.
- 56-28-105 - Application for license Form Accompanying documents Filing fee Unpaid contributions reported as separate item.
- 56-28-106 - Issuance of license Prerequisites.
- 56-28-107 - Working capital.
- 56-28-108 - Acquisition and administrative expenses.
- 56-28-109 - Reserves.
- 56-28-110 - Investments.
- 56-28-111 - Annual statement.
- 56-28-112 - Financial and statistical records.
- 56-28-113 - Examination Rehabilitation or liquidation.
- 56-28-114 - Contracts for service to subscribers Rates.
- 56-28-115 - Subscribers' contracts Form Required and prohibited provisions Regulations Publication authorized.
- 56-28-116 - Renewal of licenses Certificates of authority for agents.
- 56-28-117 - Fees and taxes.
- 56-28-118 - Construction of chapter.
Chapter 29 - Hospital and Medical Service Corporations
- 56-29-101 - Purpose of chapter.
- 56-29-102 - Corporations covered by this chapter.
- 56-29-103 - Existing corporations that may operate under this chapter Prerequisites.
- 56-29-104 - Articles of incorporation and amendments Approval by commissioner.
- 56-29-105 - Contracts between board member and corporation.
- 56-29-106 - License required.
- 56-29-107 - Application for license Accompanying documents Filing fee.
- 56-29-108 - Issuance of license by commissioner Prerequisites.
- 56-29-109 - Working capital provided by disinterested groups or individuals Repayment Interest.
- 56-29-110 - Acquisition and administrative expenses Limitation Approval.
- 56-29-111 - Reserve requirements.
- 56-29-112 - Investment of corporation funds.
- 56-29-113 - Annual statement Contents Filing fee.
- 56-29-114 - Keeping of adequate financial and statistical records.
- 56-29-115 - Examination Rehabilitation or liquidation.
- 56-29-116 - Subscription contracts Liability of hospitals Rates Approval of commissioner.
- 56-29-117 - Submission of contracts and schedule of rates to commissioner Disapproval.
- 56-29-118 - Licenses renewable annually Agents to have certificate of authority.
- 56-29-119 - Fees and taxes of corporations and agents.
- 56-29-120 - [Repealed.]
Chapter 30 - Dental Service Plan Law, 1961
- 56-30-101 - Short title.
- 56-30-102 - Chapter definitions.
- 56-30-103 - Nonprofit dental service corporation Creation.
- 56-30-104 - Articles of incorporation Approval by commissioner.
- 56-30-105 - Board of directors.
- 56-30-106 - Subscribers Rates.
- 56-30-107 - Right to establish or operate plan.
- 56-30-108 - Right to become participating dentists Method of diagnosis and treatment unrestricted Private dentist-patient relationship.
- 56-30-109 - Agreements with participating dentists.
- 56-30-110 - Contracts approved by commissioner.
- 56-30-111 - Applications for licenses Accompanying documents Filing fee.
- 56-30-112 - Issuance of license Prerequisites.
- 56-30-113 - Investment of funds.
- 56-30-114 - Limitation of expenses.
- 56-30-115 - Purchase of liability insurance authorized.
- 56-30-116 - Financial and statistical records.
- 56-30-117 - Annual statement Form Filing fee.
- 56-30-118 - Examination Rehabilitation or liquidation.
- 56-30-119 - Fees and taxes.
- 56-30-120 - License renewal Agents' certificate of authority.
- 56-30-121 - Orders of commissioner Publication of regulations Rates.
- 56-30-122 - Suspension or cancellation of license Withdrawal of approval of documents Revocation and amendment of certificate, order, authority or consent.
- 56-30-123 - Revocation of license for violation of chapter.
- 56-30-124 - Review of order of commissioner Writ of certiorari.
- 56-30-125 - Subscription contract Duration Renewal Termination Forfeiture of membership Deferment of inception coverage.
- 56-30-126 - Subscription contract Form Certificate furnished subscriber Provisions.
- 56-30-127 - Form of subscription certificate.
- 56-30-128 - Subscriptions for dental care for needy Governmental or private contributions authorized.
- 56-30-129 - Settlement of dispute or controversy by commissioner Review of decision.
- 56-30-130 - Construction of chapter.
- 56-30-131 - Laws relating to practice of medicine and surgery or dentistry or other insurance not affected.
- 56-30-132 - Non-applicability of the Consumer Health Care Advocacy Act.
- 56-30-133 - Maintenance of business records by electronic means.
Chapter 31 - Vision Service Plan Law
- 56-31-101 - Short title.
- 56-31-102 - Chapter definitions.
- 56-31-103 - Nonprofit vision service corporation Creation.
- 56-31-104 - Articles of incorporation Approval by commissioner.
- 56-31-105 - Board of directors.
- 56-31-106 - Restrictions on right to establish and operate plan.
- 56-31-107 - Participating optometrists Right to become Method of diagnosis and treatment unrestricted Private optometrist-patient relationship Maintenance.
- 56-31-108 - Agreements with participating optometrists.
- 56-31-109 - License required.
- 56-31-110 - Application for license Form Accompanying documents Filing fee.
- 56-31-111 - Issuance of license Prerequisites.
- 56-31-112 - Investment of funds.
- 56-31-113 - Expenses Limitation.
- 56-31-114 - Purchase of liability insurance authorized.
- 56-31-115 - Financial and statistical records.
- 56-31-116 - Annual statement Form Filing fee.
- 56-31-117 - Examination Rehabilitation or liquidation.
- 56-31-118 - Fees and taxes.
- 56-31-119 - License renewal Agent's certificate of authority.
- 56-31-120 - Orders of commissioner Publication of regulations Subscription contracts Rates.
- 56-31-121 - Suspension or cancellation of license Withdrawal of approval of documents Revocation and amendment of certificate, order, authority or consent.
- 56-31-122 - Revocation of license for violation of chapter.
- 56-31-123 - Review of order of commissioner Writ of certiorari.
- 56-31-124 - Subscription contracts Right to enter Rates Professional relationship.
- 56-31-125 - Subscription contract Duration Renewal Termination Forfeiture of membership Deferment of inception coverage.
- 56-31-126 - Subscription contract Form Certificate furnished subscriber Provisions.
- 56-31-127 - Form of subscription certificate.
- 56-31-128 - Subscriptions for vision care for needy Governmental or private contributions authorized.
- 56-31-129 - Settlement of dispute or controversy by commissioner Review of decision.
- 56-31-130 - Construction of chapter.
- 56-31-131 - Laws relating to practice of medicine or surgery or optometry or other insurance not affected.
Chapter 32 - Health Maintenance Organization Act of 1986
- 56-32-101 - Short title.
- 56-32-102 - Chapter definitions. [Amended effective January 1, 2010. See the Compiler's Notes.]
- 56-32-103 - Certificate of authority Applications Applicants Exemptions Excess or aggregate insurance.
- 56-32-104 - Issuance of certificate of authority.
- 56-32-105 - Powers Limitations Hold harmless clause.
- 56-32-106 - Fiduciaries Bonds.
- 56-32-107 - Evidence of coverage.
- 56-32-108 - Reports.
- 56-32-109 - Notice of change in operation.
- 56-32-110 - Complaint system.
- 56-32-111 - Investments.
- 56-32-112 - Capital requirements Required deposits.
- 56-32-113 - Prohibited practices.
- 56-32-114 - Licensing of agents.
- 56-32-115 - Regulation by commissioner Examination of books and records.
- 56-32-116 - Revocation or suspension of certificates.
- 56-32-117 - Rehabilitation, liquidation, conservation or supervision of HMOs.
- 56-32-118 - Rules and regulations Notice of hearing for denial, revocation or suspension of certificates Administrative procedure.
- 56-32-119 - Fees.
- 56-32-120 - Administrative penalty Cease and desist orders Injunctions.
- 56-32-121 - Applicability of other laws Construction.
- 56-32-122 - Acquisition of control of or merger of an HMO.
- 56-32-123 - Bidding.
- 56-32-124 - Taxation.
- 56-32-125 - Confidentiality of information.
- 56-32-126 - Prompt payment requirements.
- 56-32-127 - Independent review of HMOs.
- 56-32-128 - Point of service.
- 56-32-129 - Scope of services.
- 56-32-130 - Notice for providers.
- 56-32-131 - Verification of health benefit delivery Annual review Survey of persons disenrolled by the TennCare program.
- 56-32-132 - Investigatory powers of the department of commerce and insurance.
- 56-32-133 - [Repealed.]
- 56-32-134 - Required information for verification and audit purposes.
- 56-32-135 - Confidentiality.
- 56-32-136 - Violation and penalty.
- 56-32-137 - Discrimination prohibited Coverage not created.
- 56-32-138 - Payment of authorized pharmacy claims Corrections by pharmacy.
Chapter 33 - [Reserved]
Chapter 34 - Burial Insurance [Repealed or Obsolete]
- 56-34-101 - 56-34-104.  [Repealed or obsolete.]
- 56-34-105 - [Repealed.]
- 56-34-106 - [Repealed.]
- 56-34-107 - [Repealed.]
- 56-34-108 - [Repealed.]
- 56-34-109 - [Repealed.]
- 56-34-110 - [Repealed.]
- 56-34-111 - [Repealed.]
Chapter 35 - Title Insurance Law
- Part 1 - Operation of Title Insurance Businesses
- Part 2 - Licensing and Appointment of Agents
Chapter 36 - Standard Nonforfeiture Law for Individual Deferred Annuities
- 56-36-101 - Short title.
- 56-36-102 - Applicability.
- 56-36-103 - Nonforfeiture requirements.
- 56-36-104 - Minimum values.
- 56-36-105 - Computation of present value.
- 56-36-106 - Calculation of cash surrender values.
- 56-36-107 - Calculation of paid-up annuity benefits.
- 56-36-108 - Maturity date.
- 56-36-109 - Disclosure of limited benefits.
- 56-36-110 - Inclusion of lapse of time considerations.
- 56-36-111 - Proration of values Additional benefits.
- 56-36-112 - Operative dates.
- 56-36-113 - Rules and regulations.
Chapter 37 - Premium Finance Company Act of 1980
- 56-37-101 - Short title.
- 56-37-102 - Chapter definitions.
- 56-37-103 - License required Fees Disclosure Rules and regulations.
- 56-37-104 - Investigation of applicants.
- 56-37-105 - Revocation or suspension of license.
- 56-37-106 - Maintenance and preservation of records Examination.
- 56-37-107 - Premium finance agreement Contents.
- 56-37-108 - Interest charges Computation Maximum rates.
- 56-37-109 - Loan charges.
- 56-37-110 - Cancellation Notice.
- 56-37-111 - Refund of gross unearned premiums upon cancellation.
- 56-37-112 - Perfection of security interest.
- 56-37-113 - Penalties.
- 56-37-114 - Exemptions.
- 56-37-115 - Reenactment Short title.
Chapter 38 - Amusement Ride and Attraction Safety Insurance Act of 1984 [Repealed]
- 56-38-101 - [Repealed.]
- 56-38-102 - [Repealed.]
- 56-38-103 - [Repealed.]
- 56-38-104 - [Repealed.]
- 56-38-105 - [Repealed.]
Chapter 39 - Comprehensive Health Insurance Pool  [Transferred or Repealed]
- 56-39-101 - 56-39-124. [Transferred or repealed.]
Chapter 40 - Indemnified Employee Welfare Benefit Plans
- 56-40-101 - Annual registration Exclusion of catastrophic loss.
- 56-40-102 - Registration requirements.
- 56-40-103 - Accuracy of information.
- 56-40-104 - Violations Penalties.
- 56-40-105 - Rules and regulations.
Chapter 41 - Joint Underwriting/Risk Sharing
- 56-41-101 - Chapter definitions.
- 56-41-102 - Voluntary risk sharing or market assistance plan.
- 56-41-103 - Tennessee property and casualty insurance association Creation Plan of operation.
- 56-41-104 - Board of directors of association.
- 56-41-105 - Plan of operation Insurers and agents required to participate.
- 56-41-106 - Plan of operation Information to be specified or provided.
- 56-41-107 - Plan of operation Methods regarding risks, rates, claims and coverage Premiums Deficits.
- 56-41-108 - Stabilization reserve fund.
- 56-41-109 - Powers and duties of association.
- 56-41-110 - Payment of fees and taxes by association.
- 56-41-111 - Scope and types of voluntary plans.
- 56-41-112 - Duration and effect of obligations and duties.
- 56-41-113 - Immunity for good-faith statements and actions.
- 56-41-114 - Examination of organizations.
Chapter 42 - Long-Term Care Insurance Act
- 56-42-101 - Short title.
- 56-42-102 - Purpose Applicability.
- 56-42-103 - Chapter definitions.
- 56-42-104 - Policies issued in other states.
- 56-42-105 - Regulations and restrictions.
- 56-42-106 - [Repealed.]
- 56-42-107 - Incontestability period.
- 56-42-108 - Nonforfeiture benefits.
- 56-42-109 - Producer training requirements.
- 56-42-110 - Duties of commissioner Rules and regulations.
- 56-42-111 - Penalties.
Chapter 43 - Tennessee Legal Insurance Act
- 56-43-101 - Short title.
- 56-43-102 - Construction Legislative intent.
- 56-43-103 - Chapter definitions.
- 56-43-104 - Certificate of authority Required Application.
- 56-43-105 - Certificate of authority Issuance Duration.
- 56-43-106 - Policies Certificates of coverage Forms Rates Schedule of compensation paid.
- 56-43-107 - Exclusive agency or management contracts.
- 56-43-108 - Reports by insurers.
- 56-43-109 - Reserves.
- 56-43-110 - Investments.
- 56-43-111 - Applicability of other laws.
- 56-43-112 - Rules and regulations.
- 56-43-113 - Examinations.
- 56-43-114 - Suspension, revocation or refusal to renew certificates.
- 56-43-115 - Fees.
- 56-43-116 - Premiums.
- 56-43-117 - Public documents.
- 56-43-118 - Penalties.
Chapter 44 - Filings with National Association of Insurance Commissioners
- 56-44-101 - Applicability.
- 56-44-102 - Insurers Duty to file copy of annual statement convention blank with National Association of Insurance Commissioners.
- 56-44-103 - National Association of Insurance Commissioners (NAIC) Limitation of liability.
- 56-44-104 - Failure by insurer to file annual statement Penalty.
- 56-44-105 - Reciprocity with other states confidentiality requirements.
Chapter 45 - Risk Retention Groups and Purchasing Groups
- 56-45-101 - Purpose.
- 56-45-102 - Chapter definitions.
- 56-45-103 - Risk retention groups Permitted liability insurance Plan of operation or feasibility study Application for charter Contents.
- 56-45-104 - Out-of-state risk retention groups Requirements for doing business in Tennessee Documents filed with the commissioner Compliance with laws Prohibited acts.
- 56-45-105 - Insurance insolvency guaranty fund Covered risks Loss or expense apportionment mechanisms.
- 56-45-106 - Countersignature.
- 56-45-107 - Purchasing group and insurers subject to laws of this state Exemptions.
- 56-45-108 - Purchasing groups Requirements for doing business in this state.
- 56-45-109 - Purchasing groups Restrictions Disclosure requirements.
- 56-45-110 - Premium taxes Rate Entity responsible for payment.
- 56-45-111 - Commissioner Power to enforce laws.
- 56-45-112 - Persons who may solicit, procure or negotiate liability insurance coverage for risk retention groups and purchasing groups Agents or brokers Notice.
- 56-45-113 - Federal district courts Orders enforceable in this state.
- 56-45-114 - Commissioner's authority to promulgate rules and regulations.
Chapter 46 - Risk-Based Capital for Insurers Act
- 56-46-101 - Short title.
- 56-46-102 - Chapter definitions.
- 56-46-103 - RBC Report Calculation of RBC Levels.
- 56-46-104 - Company Action Level Events.
- 56-46-105 - Regulatory Action Level Events.
- 56-46-106 - Authorized Control Level Events.
- 56-46-107 - Mandatory Control Level Events.
- 56-46-108 - Hearings.
- 56-46-109 - Confidentiality of reports Disclosure in advertising, etc. prohibited Reports not to be used for ratemaking.
- 56-46-110 - Construction with other laws Rules Exemptions.
- 56-46-111 - Foreign insurers.
- 56-46-112 - Immunity of commissioner and department.
Chapter 47 - Workers' Compensation Fraud Act
- 56-47-101 - Short title.
- 56-47-102 - Chapter definitions.
- 56-47-103 - Fraudulent insurance acts.
- 56-47-104 - Unlawful insurance acts.
- 56-47-105 - Penalties.
- 56-47-106 - Restitution.
- 56-47-107 - Violations by licensed professionals deemed moral turpitude.
- 56-47-108 - Recovery for economic injuries.
- 56-47-109 - Exclusivity of remedies under § 56-47-108.
- 56-47-110 - Cooperation with official investigating Disclosure required Right of insurer to request information.
- 56-47-111 - Immunity of persons providing information.
- 56-47-112 - Workers' compensation on insurance antifraud plans.
Chapter 48 - Provider-Sponsored Organization Act of 1998
- 56-48-101 - Short title.
- 56-48-102 - Chapter definitions.
- 56-48-103 -
- 56-48-104 - Rules and regulations.
Chapter 49 - Tennessee Creditor-Placed Insurance Act of 1999
- 56-49-101 - Short title Purpose.
- 56-49-102 - Applicability Enforcement.
- 56-49-103 - Chapter definitions.
- 56-49-104 - Effective dates of insurance Insurance charges.
- 56-49-105 - Premium rates.
- 56-49-106 - Exclusion from coverage.
- 56-49-107 - Policy delivery to debtor.
- 56-49-108 - Commissioner approval of forms and rates.
- 56-49-109 - Refund of unearned premiums and charges.
- 56-49-110 - Payment in event of loss.
- 56-49-111 - Creditor right to require insurance.
- 56-49-112 - Premium remittance Commissions.
- 56-49-113 - Disclosure of insurance requirement.
- 56-49-114 - Investigations Hearings and proceedings Penalties for violations.
- 56-49-115 - Rules and regulations.
Chapter 50 - Tennessee Viatical Settlement Act of 2009
- 56-50-101 - Scope and short title.
- 56-50-102 - Chapter definitions.
- 56-50-103 - License and bond requirements.
- 56-50-104 - License revocation and denial.
- 56-50-105 - Approval of viatical settlement contracts and disclosure statements.
- 56-50-106 - Reporting requirements and privacy.
- 56-50-107 - Examination or investigations.
- 56-50-108 - Disclosure to viator.
- 56-50-109 - Disclosure to insurer.
- 56-50-110 - General rules.
- 56-50-111 - Prohibited practices.
- 56-50-112 - Prohibited practices and conflicts of interest.
- 56-50-113 - Advertising for viatical settlements and viatical settlement purchase agreements.
- 56-50-114 - Fraud prevention and control.
- 56-50-115 - Injunctions Civil remedies Cease and desist.
- 56-50-116 -   Unfair trade practices.
- 56-50-117 - Authority to promulgate regulations.
Chapter 51 - Tennessee Prepaid Limited Health Service Organization Act of 2000
- 56-51-101 - Short title.
- 56-51-102 - Chapter definitions.
- 56-51-103 - Exemption from Tennessee insurance code.
- 56-51-104 - Insurance business not authorized.
- 56-51-105 - Certificate of authority required.
- 56-51-106 - Application for certificate of authority.
- 56-51-107 - Issuance of certificate of authority Denial.
- 56-51-108 - Continued eligibility for certificate of authority.
- 56-51-109 - Certain entities contracting with state Title XIX agency.
- 56-51-110 - Use of English required in contracts and advertisements.
- 56-51-111 - Language used in contracts and marketing materials.
- 56-51-112 - Prepaid limited health service contracts.
- 56-51-113 - Rates and charges.
- 56-51-114 - Changes in rates and benefits Material modifications Addition of limited health services.
- 56-51-115 - Additional contract contents.
- 56-51-116 - Genetic information restrictions.
- 56-51-117 - Restrictions upon expulsion or refusal to issue or renew contract.
- 56-51-118 - Charter Bylaw provisions.
- 56-51-119 - Execution of contracts.
- 56-51-120 - Validity of noncomplying contracts.
- 56-51-121 - Construction of contracts.
- 56-51-122 - Delivery of contract.
- 56-51-123 - Notice of cancellation of contract.
- 56-51-124 - Construction and relationship with other laws.
- 56-51-125 - Acceptable payments.
- 56-51-126 - Certain words prohibited in name of organization.
- 56-51-127 - Extension of benefits.
- 56-51-128 - Provider arrangements.
- 56-51-129 - Administrative, provider, and management contracts.
- 56-51-130 - Contract providers.
- 56-51-131 - Complaint system.
- 56-51-132 - Examination by the department.
- 56-51-133 - Assets, liabilities, and investments.
- 56-51-134 - Annual, quarterly, and miscellaneous reports.
- 56-51-135 - Agent licensing.
- 56-51-136 - Minimum net worth and working capital requirements.
- 56-51-137 - Insolvency protection.
- 56-51-138 - Officers' and employees' fidelity bond.
- 56-51-139 - Suspension or revocation of certificate of authority Suspension of enrollment of new subscribers Terms of suspension.
- 56-51-140 - Administrative penalty in lieu of suspension or revocation.
- 56-51-141 - Injunction.
- 56-51-142 - Payment of judgment by prepaid limited health service organization.
- 56-51-143 - Levy upon deposit limited.
- 56-51-144 - Supervision, rehabilitation, conservation, liquidation, or reorganization Exclusive methods of remedy.
- 56-51-145 - Fees.
- 56-51-146 - Investigative power of department.
- 56-51-147 - Unfair methods of competition, unfair or deceptive acts or practices defined.
- 56-51-148 - Appeals from the department.
- 56-51-149 - Civil liability.
- 56-51-150 - Confidentiality.
- 56-51-151 - Acquisitions.
- 56-51-152 - Taxes imposed.
- 56-51-153 - Rules.
- 56-51-154 - Applicability of provisions of title 56, chapter 32 to successor organizations.
- 56-51-155 - Holding company regulation.
Chapter 52 - Tennessee Charitable Gift Annuity Act of 2008
- 56-52-101 - Short title Construction Application.
- 56-52-102 - Chapter definitions.
- 56-52-103 - Certificate of authority Application Fees Exemption.
- 56-52-104 - Charitable gift annuity separate accounts.
- 56-52-105 - Investment of account assets.
- 56-52-106 - Annual report.
- 56-52-107 - Examination of charitable organization's assets, liabilities and affairs by commissioner.
- 56-52-108 - Charitable gift annuity Proposed agreement form.
- 56-52-109 - Written acknowledgments from donor.
- 56-52-110 - Applicability of title provisions.
- 56-52-111 - Rules and regulations.
Chapter 53 - Insurance Fraud
- 56-53-101 - Chapter definitions.
- 56-53-102 - Fraudulent insurance act Criminal violations.
- 56-53-103 - Unlawful insurance act Civil violations.
- 56-53-104 - Criminal penalties.
- 56-53-105 - Restitution.
- 56-53-106 - Administrative penalties.
- 56-53-107 - Civil remedies.
- 56-53-108 - Exclusivity of remedies.
- 56-53-109 - Cooperation.
- 56-53-110 - Immunity.
- 56-53-111 - Regulatory requirements.
- 56-53-112 - Inapplicable to worker's compensation.
Chapter 54 - Tennessee Medical Malpractice Reporting Act
- 56-54-101 - Short title.
- 56-54-102 - Legislative intent Use of information.
- 56-54-103 - Chapter definitions.
- 56-54-104 - Applicability of chapter.
- 56-54-105 - Claims Report.
- 56-54-106 - Contents of report.
- 56-54-107 - Confidentiality of information.
- 56-54-108 - Cost of implementation.
- 56-54-109 - Violations Civil penalties Hearing Costs.
- 56-54-110 - Adoption of rules.
- 56-54-111 - Annual report summary.
Chapter 55 - Tennessee Vehicle Protection Product Act
- 56-55-101 - Short title.
- 56-55-102 - Chapter definitions.
- 56-55-103 - Prohibited sales Restrictions.
- 56-55-104 - Registration as a warrantor Registration records Fees Revocation for failure to register.
- 56-55-105 - Conditions of required warranty insurance policy by warrantor.
- 56-55-106 - Conditions on sale of warranty reimbursement insurance policies.
- 56-55-107 - Warranty requirements Documentation of sale to be furnished purchaser.
- 56-55-108 - Cancellation of sale and warranty.
- 56-55-109 - Restrictions on use of deceptive language False or misleading statements Fraud.
- 56-55-110 - Accounts, books, and records.
- 56-55-111 - Examination of accounts, books, and records for compliance Costs and fees of examination Enforcement Violations Hearings Penalties.
- 56-55-112 - Commissioner or secretary of state as attorney for service of process.
- 56-55-113 - Rules and regulations.
- 56-55-114 - Application Effective date.
- 56-55-115 - Sale of warranties only authorized as part of vehicle protection product.
Chapter 56 - Staff Leasing Companies
- 56-56-101 - Chapter definition.
- 56-56-102 - Maintenance of benefit and welfare plans.
Chapter 57 - Volunteer RX
- 56-57-101 - Chapter definitions.
- 56-57-102 - Authority for a prescription drug discount plan known as
- 56-57-103 - Certificate of registration required by operator of discount drug plan Application.
- 56-57-104 - Information required to be provided members.
- 56-57-105 - Cancellation by members.
- 56-57-106 - Violations Penalties.
Chapter 58 - Interstate Insurance Product Regulation Compact Act of 2007
- 56-58-101 - Short title.
- 56-58-102 - Text of compact.
- 56-58-103 - Termination of compact.
Chapter 59 - Guaranteed Asset Protection Waiver Act of 2008
- 56-59-101 - Short title Purpose Applicability.
- 56-59-102 - Chapter definitions.
- 56-59-103 - GAP waiver Insurance policy.
- 56-59-104 - Coverage under contractual liability or other insurance policy Cancellation.
- 56-59-105 - Disclosure of guaranteed asset protection waiver.
- 56-59-106 - Cancellation or termination of waiver or finance agreement Free look period.
- 56-59-107 - Lease or sale associated with a commercial transaction Applicability of specified sections.
- 56-59-108 - Powers and duties of commissioner Violations and penalties.
- 56-59-109 - Insurance laws Exemptions.
Chapter 60 - Preferred Provider Organization Transparency Act [Effective January 1, 2010]
- 56-60-101 - Short title. [Effective January 1, 2010.]
- 56-60-102 - Chapter definitions. [Effective January 1, 2010.]
- 56-60-103 - Exceptions. [Effective January 1, 2010.]
- 56-60-104 - Registration as a contracting entity. [Effective January 1, 2010.]
- 56-60-105 - Granting a third party access to a provider's health care services and contractual discounts pursuant to a provider network contract. [Effective January 1, 2010.]
- 56-60-106 - Subsequent grants of access to another third party. [Effective January 1, 2010.]
- 56-60-107 - Requirements for granting a third party access to the contracting entity's provider network Refusal to accept contractual discount. [Effective January 1, 2010.]
- 56-60-108 - Enforcement Rules. [Effective January 1, 2010.]
- 56-60-109 - Unfair insurance practice Complaints for violations. [Effective January 1, 2010.]