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Title 26 Insurance Code

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Change 1

What to do with it
As published

26-18-127. Renewability.

(a) Disability insurance policies, other than accident insurance only policies, in which the insurer reserves the right to refuse renewal on an individual basis, shall provide in substance in a provision in the policy or in an endorsement thereon or rider attached thereto that: (i) Subject to the right to terminate the policy upon nonpayment of premium when due, the right to refuse renewal may not be exercised so as to take effect before the renewal date occurring on, or after and nearest, each policy anniversary (or in the case of lapse and reinstatement, at the renewal date occurring on, or after and nearest, each anniversary of the last reinstatement); and (ii) Any refusal of renewal is without prejudice to any claim originating while the policy is in force. (b) The insurer may omit the parenthetic reference to lapse and reinstatement in paragraph (a)(i) of this section.

Your change, as a redline

26-18-127. Renewability.

(a) Disability insurance policies, other than accident insurance only policies, in which the insurer reserves the right to refuse renewal on an individual basis, shall provide in substance in a provision in the policy or in an endorsement thereon or rider attached thereto that: (i) Subject to the right to terminate the policy upon nonpayment of premium when due, the right to refuse renewal may not be exercised so as to take effect before the renewal date occurring on, or after and nearest, each policy anniversary (or in the case of lapse and reinstatement, at the renewal date occurring on, or after and nearest, each anniversary of the last reinstatement); and (ii) Any refusal of renewal is without prejudice to any claim originating while the policy is in force. (b) The insurer may omit the parenthetic reference to lapse and reinstatement in paragraph (a)(i) of this section.

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Who it helps, what it costs, what it fixes. It is what persuades people to support it.

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