191.39.1 Purpose. |
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191.39.2 Authority. |
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191.39.3 Applicability and scope. |
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191.39.4 Definitions. |
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191.39.5 Policy definitions. |
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191.39.6 Policy practices and provisions. |
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191.39.7 Required disclosure provisions. |
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191.39.8 Prohibition against postclaims underwriting. |
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191.39.9 Minimum standards for home health care benefits in long-term care insurance policies. |
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191.39.10 Requirement to offer inflation protection. |
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191.39.11 Requirements for application forms and replacement coverage. |
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191.39.12 Reserve standards. |
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191.39.13 Loss ratio. |
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191.39.14 Filing requirement. |
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191.39.15 Standards for marketing. |
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191.39.16 Suitability. |
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191.39.17 Prohibition against preexisting conditions and probationary periods in replacement policies or certificates. |
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191.39.18 Standard format outline of coverage. |
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191.39.19 Requirement to deliver shopper’s guide. |
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191.39.20 Policy summary and delivery of life insurance policies with long-term care riders. |
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191.39.21 Reporting requirement for long-term care benefits funded through life insurance by acceleration of the death benefit. |
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191.39.22 Unintentional lapse. |
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191.39.23 Denial of claims. |
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191.39.24 Incontestability period. |
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191.39.25 Required disclosure of rating practices to consumers. |
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191.39.26 Initial filing requirements. |
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191.39.27 Reporting requirements. |
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191.39.28 Premium rate schedule increases. |
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191.39.29 Nonforfeiture. |
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191.39.30 Standards for benefit triggers. |
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191.39.31 Additional standards for benefit triggers for qualified long-term care insurance contracts. |
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191.39.32 Penalties. |
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