Section 27-19-1 Applicability of article. Nothing in this article shall apply to or affect: (1) Any policy of liability or workmen’s compensation insurance, with or without supplementary expense coverage therein; (2) Any group or blanket policy; (3) Life insurance, endowment, or annuity contracts, or contracts supplemental thereto which contain only such provisions relating to disability […]
Section 27-19-10 Mandatory policy provisions – Proofs of loss. There shall be a provision as follows: “Proofs of Loss: Written proof of loss must be furnished to the insurer at its said office in case of claim for loss for which this policy provides any periodic payment contingent upon continuing loss within 90 days after […]
Section 27-19-11 Mandatory policy provisions – Time of payment of claims. There shall be a provision as follows: “Time of Payment of Claims: Indemnities payable under this policy for any loss, other than loss for which this policy provides periodic payment, will be paid immediately upon receipt of due written proof of such loss. Subject […]
Section 27-19-12 Mandatory policy provisions – Payment of claims. There shall be a provision as follows: “Payment of Claims: Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the time of payment. If no such designation […]
Section 27-19-13 Mandatory policy provisions – Physical examination and autopsy. There shall be a provision as follows: “Physical Examinations and Autopsy: The insurer at its own expense shall have the right and opportunity to examine the person of the insured when, and as often as, it may reasonably require during the pendency of a claim […]
Section 27-19-14 Mandatory policy provisions – Legal actions. There shall be a provision as follows: “Legal Actions: No action shall be brought to recover on this policy prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of this policy. No such action shall be […]
Section 27-19-15 Mandatory policy provisions – Change of beneficiary. There shall be a provision as follows: “Change of Beneficiary: Unless the insured makes an irrevocable designation of beneficiary, the right to change a beneficiary is reserved to the insured and the consent of the beneficiary, or beneficiaries, shall not be requisite to surrender or assignment […]
Section 27-19-16 Optional policy provisions – Generally. Except as provided in subsection (b) of Section 27-19-3, no such policy delivered, or issued for delivery, to any person in this state shall contain provisions respecting the matters set forth in Sections 27-19-17 through 27-19-26 unless such provisions are in the words in which the same appear […]
Section 27-19-17 Optional policy provisions – Change of occupation. There may be a provision as follows: “Change of Occupation: If the insured be injured or contract sickness after having changed his occupation to one classified by the insurer as more hazardous than that stated in this policy or while doing for compensation anything pertaining to […]
Section 27-19-18 Optional policy provisions – Misstatement of age. There may be a provision as follows: “Misstatement of Age: If the age of the insured has been misstated, all amounts payable under this policy shall be such as the premium paid would have purchased at the correct age.” (Acts 1953, No. 193, p. 247, §3; […]
Section 27-19-19 Optional policy provisions – Other insurance in this insurer. There may be a provision as follows: “Other Insurance in This Insurer: If an accident or sickness or accident and sickness policy, or policies, previously issued by the insurer to the insured be in force concurrently herewith, making the aggregate indemnity for _____ (insert […]
Section 27-19-2 Scope and format of policy. No policy of disability insurance shall be delivered, or issued for delivery, to any person in this state unless it otherwise complies with this title and complies with the following: (1) The entire money and other considerations therefor shall be expressed therein; (2) The time when the insurance […]
Section 27-19-20 Optional policy provisions – Insurance with other insurers – Expense-incurred benefits. (a) There may be a provision as follows: “Insurance with Other Insurers: If there be other valid coverage, not with this insurer, providing benefits for the same loss on a provision of service basis or on an expense-incurred basis and of which […]
Section 27-19-21 Optional policy provisions – Insurance with other insurers – Other benefits. (a) There may be a provision as follows: “Insurance with Other Insurers: If there be other valid coverage, not with this insurer, providing benefits for the same loss on other than an expense-incurred basis and of which this insurer has not been […]
Section 27-19-22 Optional policy provisions – Relation of earnings to insurance. (a) There may be a provision as follows: “Relation of Earnings to Insurance: If the total monthly amount of loss of time benefits promised for the same loss under all valid loss of time coverage upon the insured, whether payable on a weekly or […]
Section 27-19-23 Optional policy provisions – Unpaid premiums. There may be a provision as follows: “Unpaid Premiums: Upon the payment of a claim under this policy, any premium then due and unpaid or covered by any note or written order may be deducted therefrom.” (Acts 1953, No. 193, p. 247, §3; Acts 1957, No. 597, […]
Section 27-19-24 Optional policy provisions – Conformity with state statutes. There may be a provision as follows: “Conformity with State Statutes: Any provision of this policy which, on its effective date, is in conflict with the statutes of the state in which the insured resides on such date is hereby amended to conform to the […]
Section 27-19-25 Optional policy provisions – Illegal occupation. There may be a provision as follows: “Illegal Occupation: The insurer shall not be liable for any loss to which a contributing cause was the insured’s commission of, or attempt to commit, a felony or to which a contributing cause was the insured’s being engaged in an […]
Section 27-19-26 Optional policy provisions – Intoxicants and narcotics. There may be a provision as follows: “Intoxicants and Narcotics: The insurer shall not be liable for any loss sustained or contracted in consequence of the insured’s being intoxicated or under the influence of any narcotic unless administered on the advice of a physician.” (Acts 1953, […]
Section 27-19-27 Order of provisions in policy. The provisions which are the subject of Sections 27-19-4 through 27-19-26, or any corresponding provisions which are used in lieu thereof in accordance with such sections, shall be printed in the consecutive order of the provisions in such sections or, at the option of the insurer, any such […]
