Section 27-19-30 – Provisions of Other Jurisdictions.
Section 27-19-30 Provisions of other jurisdictions. (a) Any policy of a foreign or alien insurer, when delivered or issued for delivery to any person in this state, may contain any provision which is not less favorable to the insured or the beneficiary than the provisions of this article and which is prescribed or required by […]
Section 27-19-31 – Renewability.
Section 27-19-31 Renewability. (a) Every individual policy of insurance providing hospital, medical, or surgical benefits in which an insurer reserves the right to refuse renewal on an individual basis shall provide, in substance, in a provision thereof, or in an endorsement thereon or in a rider attached thereto that, subject to the right to terminate […]
Section 27-19-32 – Examination and Return of Policy.
Section 27-19-32 Examination and return of policy. Every individual disability insurance policy, except single premium nonrenewable policies or contracts, issued for delivery in the State of Alabama shall have printed thereon, or attached thereto, a notice stating in substance that the person to whom the policy is issued shall be permitted to return the policy […]
Section 27-19-33 – Addition of Endorsements or Riders to Existing Policies.
Section 27-19-33 Addition of endorsements or riders to existing policies. Any insurer writing disability insurance policies may, with approval of the commissioner, add endorsements or riders to existing policies of such insurance, with or without increase in premium, provided there is shown separately on the endorsement or rider a stated premium charge for additional coverage. […]
Section 27-19-34 – Compliance With Article by Rider or Endorsement.
Section 27-19-34 Compliance with article by rider or endorsement. The requirements of this article may be complied with by the insurer by attaching to the policy such rider or endorsement as may be necessary for the purpose. (Acts 1957, No. 597, p. 834; Acts 1971, No. 407, p. 707, §454.)
Section 27-19-35 – Construction of Policy Provisions.
Section 27-19-35 Construction of policy provisions. (a) No policy provision which is not subject to this article shall make a policy, or any portion thereof, less favorable in any respect to the insured or the beneficiary than the provisions thereof which are subject to this article. (b) A policy delivered, or issued for delivery, to […]
Section 27-19-4 – Mandatory Policy Provisions – Entire Contract; Changes.
Section 27-19-4 Mandatory policy provisions – Entire contract; changes. There shall be a provision as follows: “Entire Contract; Changes: This policy, including the endorsements and the attached papers, if any, constitutes the entire contract of insurance. No change in this policy shall be valid until approved by an executive officer of the insurer and unless […]
Section 27-19-20 – Optional Policy Provisions – Insurance With Other Insurers – Expense-Incurred Benefits.
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 27-19-5 – Mandatory Policy Provisions – Time Limit on Certain Defenses.
Section 27-19-5 Mandatory policy provisions – Time limit on certain defenses. There shall be a provision as follows: “Time Limit on Certain Defenses: (1) After two years from the date of issue of this policy, no misstatements, except fraudulent misstatements, made by the applicant in the application for such policy shall be used to void […]
Section 27-19-21 – Optional Policy Provisions – Insurance With Other Insurers – Other Benefits.
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 […]