Kentucky
General Assembly

Chapter 2 Administration

• 070 Preservation of records
• 088 Verification of risk location systems
• 092 Disclosure of local government taxes and collection fee
• 095 Accounting and reporting requirements for collecting local government premium tax
• 097 Filing of local government premium tax ordinances; notification to insurers
• 100 Disclosure of insurance premium surcharge

Chapter 3 Authorization of Insurers and General Requirements

• 110 Authorization
• 150 Standards for consideration of a hazardous financial condition
• 160 Life and health reinsurance agreements
• 170 Annual audited financial reports
• 170reg Annual audited financial reports
• 190 Risk-based capital for insurers
• 210 Privacy of consumer financial and health information
• 230 Standards for safeguarding customer information
• 240 Corporate Governance Annual Disclosure

Chapter 4 Fees and Taxes

• 010 Fees of the Office of Insurance

Chapter 5 Kinds of Insurance; Limits of Risk; Reinsurance

• 025 Credit for reinsurance
• 025reg Credit for reinsurance
• 060 Registration of service contracts for consumer products

Chapter 6 Assets and Liabilities

• 010 Valuation standards; audits
• 010reg Valuation standards; audits
• 020 Temporary transfer of assets prohibited
• 060 Reserve liabilities, cash surrender values, and nonforfeiture benefits for plans of life insurance with separate rates for smokers and nonsmokers
• 070 Valuation of life insurance and annuity reserves
• 075 Valuation of life insurance policies
• 080 Reserve standards for individual health insurance policies
• 080reg Reserve standards for individual health insurance policies
• 090 Discounting of casualty insurance loss reserves
• 100 Actuarial opinion and memorandum
• 100reg Actuarial opinion and memorandum
• 110 Recognition of the 2001 CSO Mortality Table for use in determining minimum reserve liabilities and nonforfeiture benefits
• 110reg Recognition of the 2001 CSO Mortality Table for use in determining minimum reserve liabilities and nonforfeiture benefits
• 120 Recognition of preferred mortality tables for use in determining minimum reserve liabilities
• 130 Minimum standards for determining reserve liabilities and nonforfeiture values for preneed insurance

Chapter 7 Investments

• 035reg Finance committee of domestic insurers
• 090 Custodial accounts for investment securities of insurance companies
• 090reg Custodial accounts for investment securities of insurance companies
• 110 Derivative instruments

Chapter 8 Administration of Deposits

• 010 Valuation of assets on deposit
• 010reg Valuation of assets on deposit

Chapter 9 Agents, Consultants, Solicitors, and Adjusters

• 020 False or deceptive names, titles, prohibited
• 025 Agent Licensing Process
• 030 Adjuster licensing restrictions
• 110 Agent's rights after contract termination
• 190 Disclosure requirements for financial institutions authorized to engage in insurance agency activities
• 200 Volume of insurance agent exchange of business
• 265 Rental vehicle agent license
• 310 Life settlement licenses
• 350 Recognition of financial planning certification and designation for receipt of fees and commissions
• 360 Pharmacy benefit manager license

Chapter 10 Surplus Lines

• 030 Surplus lines reporting and tax payment structure

Chapter 11 Unauthorized Insurers' Prohibitions, Process and Advertising

• 010 Industrial insured, government entity insured, and exempt commercial policyholder
• 020 Multiple employer welfare arrangements

Chapter 12 Trade Practices and Frauds

• 010 Advertising
• 020 Fair disclosure to consumers
• 040 Insurance in credit transactions
• 060 Health insurance replacement
• 070 Life insurance application requirements
• 080 Replacement of life insurance and annuity contracts
• 092 Unfair life and health insurance claims settlement practices
• 095 Unfair claims settlement practices for property and casualty insurance
• 110 Merged gender mortality tables for life insurance
• 120 Suitability in annuity transactions
• 131 Requirements for disclosure for life insurance and annuity contracts used to fund preneed funeral contracts or prearrangements
• 140 Life insurance illustrations
• 150 Annuity disclosures
• 160 Standards for accelerated death benefits
• 170 Life insurance disclosures
• 180 Military Sales Practices

Chapter 13 Rates and Rating Organizations

• 020 Excess rates; consent form
• 040 Automobile fleet insurance defined
• 090 Premium financing
• 110 Rate standards for property and casualty insurance "flex rating"
• 120 Workers' compensation deductible policies
• 130 Experience modification factors for workers' compensation insurers
• 140 Notice of right to seek review of application of workers' compensation insurance rates
• 150 Property and casualty rate and rule filings

Chapter 14 Insurance Contract

• 005 Rate and form filing procedures for life insurers, life settlement providers, and life settlement brokers
• 006 Property and casualty insurance form filings
• 007 Rate and form filing for health insurers
• 010 Proof of loss; form
• 020 Binders
• 030 Participating policy dividends not to be guaranteed
• 050 Additional benefits to policyholders
• 090 Grouping for preferential treatment prohibited
• 100 Certificate not to alter contract
• 110 Dividend plans; filing, participation
• 121 Minimum standards for the readability and intelligibility of insurance contracts

Chapter 15 Life Insurance and Annuity Contracts

• 010 Variable annuity contracts
• 020 Wholesale life insurance; employer's contribution; dividends
• 030 Variable life insurance
• 050 Reporting and general requirements for viatical settlement providers and brokers
• 060 Universal life insurance
• 070 Annuity nonforfeiture
• 090 Notice of rights as an owner of a life insurance policy

Chapter 17 Health Insurance Contracts

• 005 Health insurance forms and reports
• 020 Disclosure of other coverage in application
• 030 Surgical schedule
• 050 Inclusion of Medicaid as first payor prohibited
• 070 Filing procedures for health insurance rates
• 081 Minimum standards for long-term care insurance policies
• 083 Kentucky long-term care partnership insurance program
• 085 Minimum standards for short-term nursing home insurance policies
• 095 Reimbursement for general anesthesia and facility charges for dental procedures
• 100 Certificate of filing for provider-sponsored networks
• 150 Health benefit plan rate filing requirements
• 160 Creditable coverage for health insurance
• 170 Genetic testing
• 180 Standard health benefit plan
• 190 Guaranteed Acceptance Program requirements
• 230 Requirements regarding medical director's signature on health care benefit denials
• 240 Data reporting requirements
• 250 Notification requirements for drug benefits
• 260 Conversion policy minimum benefits
• 270 Telehealth claim forms and records
• 280 Registration, utilization review, and internal appeal
• 290 Independent External Review Program
• 300 Provider agreement and risk-sharing agreement filing requirements
• 350 Guaranteed Acceptance Program (GAP) reporting requirements
• 360 Prompt payment of claims
• 370 Standardized health claim attachments
• 450 Insurance purchasing outlet requirements
• 470 Data reporting to an employer-organized association health benefit plan
• 480 Uniform evaluation and reevaluation of providers
• 490 Hospice benefit requirements
• 510 Health benefit plan exclusionary rider requirements
• 570 Minimum standards for Medicare supplement insurance policies and certificates
• 575 Pharmacy benefit managers

Chapter 18 Group and Blanket Health Insurance

• 020 Preferred and exclusive provider arrangements
• 030 Group health insurance coordination of benefits

Chapter 19 Credit Life Insurance and Credit Health Insurance

• 010 Credit transaction requirements
• 020 Claims; secondary beneficiary
• 040 Extinguishment of debt; options
• 050 Combined health and dismemberment restrictions
• 060 Joint lives

Chapter 20 Casualty Insurance Contracts

• 010 Declination, cancellation, and nonrenewal of property and casualty insurance and automobile liability insurance policies

Chapter 24 Domestic Stock and Mutual Insurers

• 010 Information required during incorporation and subsequent issue of equity securities

Chapter 26 Insider Trading of Equity Securities

• 010 Proxies, consents and authorizations
• 020 Insider trading requirements

Chapter 30 Insurance Premium Finance Companies

• 010 Application for license procedure
• 020 Abuse of minimum service charge
• 030 Representations of licensee limited
• 040 Statement of account and receipt
• 050 Prepayment or refinancing
• 060 Forms to be approved
• 070 Books and records subject to inspection
• 080 Financial requirements for insurance premium finance companies
• 090 Insurance premium finance company proof of mailing of cancellation notice
• 100 Time limit for insurance premium finance company responses to Office of Insurance inquiries

Chapter 37 Insurance Holding Company Systems

• 010 Insurance holding company systems

Chapter 38 Health Maintenance Organizations

• 010 Information required of applicants for certificate of authority
• 040 Financial projections; area overlapping
• 050 Fiscal soundness of organization
• 070 Health maintenance organization subscriber fee filings
• 080 Health maintenance organizations' reserve funds
• 100 Risk-based capital for health organizations

Chapter 39 Motor Vehicle Reparations (No-fault)

• 020 Pedestrian defined
• 030 Kentucky No-Fault Rejection Form
• 040 Governmental units excluded
• 050 Self-insurance
• 070 Proof of motor vehicle insurance

Chapter 40 Health Care Malpractice

• 020 Charitable health care provider registration

Chapter 44 Mine Subsidence Insurance

• 010 Notification of qualified locations

Chapter 46 Liability Self-insurance Groups

• 030 Reasonable time for violation correction
• 040 Forms for application and financial statements
• 050 Liability self-insurance group rate, underwriting and evidence of coverage filings

Chapter 47 Insurance Fraud

• 010 Fraud prevention

Chapter 49 Captive Insurers

• 020 Captive insurer application requirements
• 020reg Captive insurer application requirements
• 030 Captive insurer reporting requirements
• 030reg Captive insurer reporting requirements
• 040 Captive insurer parents and affiliates
• 050 Captive risk retention groups

Chapter 52 Workers' Compensation Self-insured Groups

• 010 Forms for application, security deposits and financial statements
• 020 Aggregate excess insurance
• 030 Workers' compensation self-insured group rate, rule and form filings