OKLAHOMA INSURANCE DEPARTMENT RULES – TITLE 365

SUBCHAPTER 1. GENERAL PROVISIONS
365:1-1-1. Purpose
365:1-1-2. Office of the Insurance Commissioner
365:1-1-3. Duties of Insurance Commissioner
365:1-1-4. Requests for information
365:1-1-4.1. Fees
365:1-1-5. Official actions
365:1-1-6. Amendments; compatibility with other rules

SUBCHAPTER 3. INVESTIGATIONS
365:1-3-1. Initiation of investigative proceedings; cooperation; investigators
365:1-3-2. Investigational hearings
365:1-3-3. Investigational subpoenas
365:1-3-4. Depositions
365:1-3-5. Notices to grant access
365:1-3-6. Reports
365:1-3-7. Noncompliance with investigational processes
365:1-3-8. Rights of witnesses
365:1-3-9. Referrals after investigation
365:1-3-10. Voluntary agreements to cease and desist

SUBCHAPTER 5. RULEMAKING PROCEDURES
365:1-5-1. Initiation of rulemaking;
365:1-5-2. Adoption of rules; filing and publication [REVOKED]
365:1-5-3. Effective date of rules [REVOKED]
365:1-5-4. Petitions for rulemaking

SUBCHAPTER 7. HEARINGS
365:1-7-1. Setting hearings; demands for hearing
365:1-7-2. Notice of hearing
365:1-7-3. Subpoena of witnesses and documentary evidence
365:1-7-4. Conduct of hearings
365:1-7-5. Hearing record
365:1-7-6. Findings of fact; final order
365:1-7-7. Rehearings
365:1-7-8. Appeals from orders of Insurance Commissioner
365:1-7-9. Hearing procedure–emergency actions

SUBCHAPTER 9. DESCRIPTION OF FORMS AND INSTRUCTIONS
365:1-9-1. Company licensure forms
365:1-9-2. Deposit of securities forms
365:1-9-3. Firemen’s Relief and Pension Plan forms
365:1-9-4. Police and Retirement Pension System forms
365:1-9-5. Surplus lines forms
365:1-9-6. Motor service clubs forms
365:1-9-7. Agents licensing forms (Property & Casualty) [REVOKED]
365:1-9-8. Agents licensing forms (Life, Accident and Health) [REVOKED]
365:1-9-9. Non-resident agents licensing forms [REVOKED]
365:1-9-10. Agent appointment cancellation form [REVOKED]
365:1-9-11. Applications
365:1-9-12. Agent and customer service representative appointment forms
365:1-9-12.1. Required appointments [REVOKED]
365:1-9-12.2. Company background checks
365:1-9-13. Suggested language for agents bonds
365:1-9-14. Producer and adjuster continuing education forms [REVOKED]
365:1-9-15. Forms regarding agents examinations
365:1-9-15.1. License renewals and reinstatements
365:1-9-16. Agents license forms
365:1-9-17. Other agents forms
365:1-9-17.1. Refund of fees
365:1-9-17.2. Name change on an individual license
365:1-9-18. Bail bond forms
365:1-9-19. Request for Assistance and Prompt Pay Form
365:1-9-20. Real Estate Appraiser forms
365:1-9-21. Utilization Review forms

SUBCHAPTER 11. E.A.G.L.E. MEDIATION PROGRAM
365:1-11-1. Purpose
365:1-11-2. Office procedures
365:1-11-3. Referrals
365:1-11-4. Contact and interviews with parties
365:1-11-5. Training of mediators
365:1-11-6. Assignment of mediators
365:1-11-7. Other volunteer assignments and training
365:1-11-8. Conducting the mediation session
365:1-11-9. Reporting
365:1-11-10. Follow-up
365:1-11-11. Forms

SUBCHAPTER 13. ELECTRONIC FILINGS
365:1-13-1. Electronic filings

SUBCHAPTER 1. GENERAL PROVISIONS
PART 1. GENERAL PROVISIONS
365:10-1-1. Purpose
365:10-1-2. Severability
365:10-1-3. Uniform health insurance claim form
365:10-1-4. Blood transfusions
365:10-1-5. Unfair discrimination on basis of blindness or partial blindness
365:10-1-6. Oklahoma Life and Health Insurance Guaranty Association disclaimer requirements
365:10-1-7. Charitable services exclusions – applicability to state owned or controlled hospitals – penalty
365:10-1-8. Proof of loss [REVOKED]
365:10-1-9. Eliminating unfair discrimination
365:10-1-10. Portability form
365:10-1-11. Insurance policy and claim form warning
365:10-1-12. Policy of insurance shall include insurer’s complete name and street address
365:10-1-13. Notification required upon rejection [REVOKED]
365:10-1-14. Notice of withdrawal or discontinuance of writing
365:10-1-15. Eliminating unfair discrimination on basis of children as single applicants [REVOKED]
365:10-1-16. Providing insurance policy information
365:10-1-17. Life, accident, and health form filings

PART 3. STANDARDIZED HEALTH CLAIM FORMS
365:10-1-30. Applicability and scope
365:10-1-31. Definitions
365:10-1-32. Requirements for use of HCFA Form 1500 and HCFA Form 1491
365:10-1-33. Requirements for use of ADA-1990 Dental Claim Form
365:10-1-34. Requirements for use of HCFA Form UB-82 and UB-92
365:10-1-35. Requirements for use of Universal Prescription Drug Claim Form
365:10-1-36. Claims processing
SUBCHAPTER 3. ADVERTISING
PART 1. ACCIDENT AND HEALTH INSURANCE
365:10-3-1. Purpose
365:10-3-2. Applicability; insurer responsibility
365:10-3-3. Definitions
365:10-3-4. Method of disclosure of required information
365:10-3-5. Form and content of advertisements
365:10-3-6. Advertisements of benefits payable, losses covered or premiums payable
365:10-3-7. Disclosure of policy provisions relating to renewability, cancellability and termination
365:10-3-8. Testimonials or endorsements by third parties
365:10-3-9. Use of statistics
365:10-3-10. Identification of plan or number of policies
365:10-3-11. Disparaging comparisons and statements
365:10-3-12. Jurisdictional licensing and status of insurer
365:10-3-13. Identity of insurer
365:10-3-14. Group or quasi-group implications
365:10-3-15. Introductory, initial or special offers
365:10-3-16. Statements about an insurer
365:10-3-17. Inspection of policy
365:10-3-18. Enforcement procedures
365:10-3-19. Filing for prior review
365:10-3-20. Severability of rules

PART 3. LIFE INSURANCE ADVERTISING
365:10-3-30. Purpose
365:10-3-31. Definitions
365:10-3-32. Form and contents of advertisements
365:10-3-33. Disclosure requirements
365:10-3-34. Identity of insurer
365:10-3-35. Jurisdictional licensing and status of insurer
365:10-3-36. Statements about the insurer
365:10-3-37. Enforcement procedures
365:10-3-38. Penalties
365:10-3-39. Testimonials or endorsements by third parties

PART 5. LIFE INSURANCE ILLUSTRATIONS REGULATION
365:10-3-50. Purpose
365:10-3-51. Applicability and scope
365:10-3-52. Definitions
365:10-3-53. Policies to be illustrated
365:10-3-54. General rules and prohibitions
365:10-3-55. Standards for basic illustrations
365:10-3-56. Standards for supplemental illustrations
365:10-3-57. Delivery of illustrations and record retention
365:10-3-58. Annual report; notice to policy owners
365:10-3-59. Annual certifications
365:10-3-60. Penalties
365:10-3-61. Separability
365:10-3-62. Effective date

SUBCHAPTER 5. MINIMUM STANDARDS; CONTRACT GUIDELINES

PART 1. MINIMUM STANDARDS AND BENEFITS FOR ACCIDENT AND HEALTH INSURANCE
365:10-5-1 Purpose
365:10-5-2 Applicability and scope
365:10-5-3 Policy definitions
365:10-5-4 Prohibited policy provisions
365:10-5-5 Accident and sickness minimum standards for benefits
365:10-5-6 Required disclosure provisions
365:10-5-7 Requirements for replacement
365:10-5-8 Separability provision
365:10-5-9 Disclosure of reasonable charge determination

PART 3. MINIMUM STANDARDS AND BENEFITS FOR MEDICARE SUPPLEMENT POLICIES [REVOKED]

PART 5. LONG-TERM CARE INSURANCE
365:10-5-40. Purpose
365:10-5-41. Definitions
365:10-5-41.1. Terms under which the policy [certificate] may be continued in force or discontinued [REVOKED]
365:10-5-41.2. Applicability and scope
365:10-5-42. Policy definitions
365:10-5-43. Policy practices and provisions
365:10-5-43.1. Unintentional lapse
365:10-5-44. Required disclosure provisions
365:10-5-44.1. Prohibition against post-claims underwriting
365:10-5-44.2. Minimum standards for home health and community care benefits in long-term care insurance policies
365:10-5-44.3. Requirement to offer inflation protection
365:10-5-45. Requirements for application forms and for replacement coverage
365:10-5-45.1. Reporting requirements
365:10-5-45.2. Licensing
365:10-5-45.3. Discretionary powers of Commissioner
365:10-5-46. Reserve standards
365:10-5-47. Loss ratio
365:10-5-48. Filing requirement
365:10-5-48.1. Filing requirements for advertising
365:10-5-48.2. Standards for marketing
365:10-5-48.3. Appropriateness of recommended purchase
365:10-5-48.4. Prohibition against preexisting conditions and probationary periods in replacement policies or certificates
365:10-5-48.5. Suitability
365:10-5-48.6. Nonforfeiture benefit requirement
365:10-5-48.7. Standards for benefit triggers
365:10-5-49. Policy summary [REVOKED]
365:10-5-50. Standard format outline of coverage
365:10-5-50.1. Requirement to deliver shopper’s guide
365:10-5-51. Prohibition against post-claims underwriting [REVOKED]
365:10-5-52. Requirement to offer inflation protection [REVOKED]
365:10-5-53. Contingent benefit upon lapse
365:10-5-54. State long-term care insurance partnership program
365:10-5-55. Availability of New Services
365:10-5-56. Right to Reduce Coverage and Lower Premiums

PART 7. CREDIT LIFE AND CREDIT ACCIDENT AND HEALTH INSURANCE
365:10-5-60. Purpose
365:10-5-61. Definitions
365:10-5-62. Disclosure provision
365:10-5-63. Filing and approval of forms and rates
365:10-5-64. Presumptively acceptable relationship of credit life insurance benefits to premiums
365:10-5-65. Presumptively acceptable relationship of credit accident and health benefits to premiums
365:10-5-66. Standard of benefits for credit accident and health insurance
365:10-5-67. Deviation procedures
365:10-5-68. Experience calls
365:10-5-69. Premium refunds
365:10-5-70. Responsibilities and obligations of insurance companies and their agents and representatives
365:10-5-71. Policy and claims reserves
365:10-5-72. Prohibited practices and penalties
365:10-5-73. Agent or representative compensation
365:10-5-74. Savings clause; severability clause

PART 9. UNIVERSAL LIFE RULE
365:10-5-80. Definitions
365:10-5-81. Valuation
365:10-5-82. Nonforfeiture
365:10-5-83. Mandatory policy provisions
365:10-5-84. Disclosure requirements
365:10-5-85. Periodic disclosure to policyholder
365:10-5-86. Interest-indexed universal life insurance policies

PART 11. ACCELERATED BENEFITS
365:10-5-100. Purpose
365:10-5-101. Definitions
365:10-5-102. Type of product
365:10-5-103. Assignee/beneficiary
365:10-5-104. Criteria for payment
365:10-5-105. Disclosures
365:10-5-106. Effective date of the accelerated benefits
365:10-5-107. Waiver of premiums
365:10-5-108. Discrimination
365:10-5-109. Actuarial standards
365:10-5-110. Actuarial disclosure and reserves

PART 13. MEDICARE SUPPLEMENT INSURANCE MINIMUM STANDARDS
365:10-5-120. Purpose
365:10-5-121. Authority
365:10-5-122. Applicability and scope
365:10-5-123. Definitions
365:10-5-124. Policy definitions and terms
365:10-5-125. Policy provisions
365:10-5-126. Minimum benefit standards for policies or certificates issued for delivery prior to July 1, 1992
365:10-5-127. Benefit standards for 1990 Standardized Medicare Supplement Benefit Plan Policies or Certificates issued or delivered on or After July 1, 1992 and Prior to June 1, 2010
365:10-5-127.1 Benefit Standards for 2010 Standardized Medicare Supplement Benefit Plan Policies or Certificates Issued for Delivery on or After June 1, 2010
365:10-5-128. Standard Medicare Supplement Benefit Plans for 1990 Standardized Medicare Supplement Benefit Plan Policies or Certificates Issued for Delivery on or After and Prior to June 1, 2010
365:10-5-128.1. Medicare Select Policies and Certificates [AMENDED AND RENUMBERED TO 365:10-5-128.3]
365:10-5-128.2. Standard Medicare Supplement Benefit Plans for 2010 Standardized Medicare Supplement Benefit Plan Policies or Certificates Issued for Delivery on or After June 1, 2010
365:10-5-128.3. Medicare Select Policies and Certificate
365:10-5-129. Open enrollment
365:10-5-129.1. Guaranteed Issue for Eligible Persons
365:10-5-130. Standards for claims payment
365:10-5-131. Loss ratio standards and refund or credit of premium
365:10-5-132. Filing and approval of policies and certificates and premium rates
365:10-5-133. Permitted compensation arrangements
365:10-5-134. Required disclosure provisions
365:10-5-135. Requirements for application forms and replacement coverage
365:10-5-136. Filing requirements for advertising
365:10-5-137. Standards for marketing
365:10-5-138. Appropriateness of recommended purchase and excessive insurance
365:10-5-139. Reporting of multiple policies
365:10-5-140. Prohibition against preexisting conditions, waiting periods, elimination periods and probationary periods in replacement policies or certificates
365:10-5-141. Separability
365:10-5-142. Effective date

PART 15. SMALL EMPLOYER HEALTH INSURANCE REFORM REGULATION
365:10-5-150. Purpose
365:10-5-151. Definitions
365:10-5-152. Applicability and scope
365:10-5-153. Establishment of classes of business
365:10-5-154. Transaction for assumptions of business from another carrier
365:10-5-155. Restrictions relating to premium rates
365:10-5-156. Requirement to insure entire groups
365:10-5-157. Consideration of industry
365:10-5-158. Application to reenter state
365:10-5-159. Qualifying previous and qualifying existing coverage
365:10-5-160. Restrictive riders
365:10-5-161. Rules related to fair marketing
365:10-5-162. Status of carriers as small employer carriers
365:10-5-163. Restoration of coverage
365:10-5-164. Uniform Health Questionnaire

PART 17. ACTUARIAL OPINION AND MEMORANDUM REGULATION
365:10-5-170. Purpose
365:10-5-171. Scope
365:10-5-172. Definitions
365:10-5-173. General requirements
365:10-5-174. Required opinions [REVOKED]
365:10-5-175. Statement of actuarial opinion not including an asset adequacy analysis [REVOKED]
365:10-5-176. Statement of actuarial opinion based on an asset adequacy analysis
365:10-5-177. Description of actuarial memorandum including an asset adequacy analysis
365:10-5-178. Additional considerations for analysis [REVOKED]

PART 19. OKLAHOMA HEALTH CARE FREEDOM OF CHOICE REGULATION
365:10-5-180. Public disclosure
365:10-5-181. Good faith estimate by insurer
365:10-5-182. Definition of facility

PART 21. EXTENSION AND TERMINATION OF COVERAGE UNDER GROUP ACCIDENT AND HEALTH POLICY CONTRACTS OF HOSPITAL AND MEDICAL SERVICES OR INDEMNITY [REVOKED]
365:10-5-190. Purpose [REVOKED]
365:10-5-191. Applicability and scope [REVOKED]
365:10-5-192. Definitions [REVOKED]
365:10-5-193. Periods for which coverage is extended [REVOKED]
365:10-5-194. When extension period begins [REVOKED]
365:10-5-195. Required notification to employee whose insurance is terminated [REVOKED]

SUBCHAPTER 7. MORTALITY TABLES

PART 1. PERMITTING SMOKER/NONSMOKER MORTALITY TABLES FOR USE IN DETERMINING MINIMUM RESERVE LIABILITIES AND NONFORFEITURE BENEFITS
365:10-7-1. Purpose
365:10-7-2. Definitions
365:10-7-3. Alternate tables
365:10-7-4. Conditions

PART 3. MIXED-GENDER MORTALITY TABLES
365:10-7-10. Purpose
365:10-7-11. Definitions
365:10-7-12. 1980 CSO Tables
365:10-7-13. Acceptable tables
365:10-7-14. Unfair discrimination

SUBCHAPTER 9. ANNUITIES

PART 1. NEW ANNUITY MORTALITY TABLE FOR USE IN DETERMINING RESERVE LIABILITIES FOR ANNUITIES
365:10-9-1. Purpose
365:10-9-2. Definitions
365:10-9-3. Individual annuity or pure endowment contracts
365:10-9-4. Group annuity or pure endowment contracts
365:10-9-5. Application of the 1994 GAR table
365:10-9-6. Separability

PART 3. PERTAINING TO SEPARATE ACCOUNTS IN CONNECTION WITH VARIABLE ANNUITY CONTRACTS
365:10-9-10. Purpose
365:10-9-11. Definitions
365:10-9-12. Qualification of insurance companies to issue variable annuity contracts
365:10-9-13. Separate account or separate accounts
365:10-9-14. Filing of contracts
365:10-9-15. Contracts providing for variable benefits
365:10-9-16. Required reports
365:10-9-17. Reporting actions taken against variable annuity licenses
365:10-9-18. Severability provisions

SUBCHAPTER 11. COORDINATION OF BENEFIT GUIDELINES
365:10-11-1. Purpose
365:10-11-2. Definitions
365:10-11-3. Effect on benefits
365:10-11-4. Right to receive and release necessary information
365:10-11-5. Benefit payments
365:10-11-6. Subrogation
365:10-11-7. Small claim waivers
365:10-11-8. Public education
365:10-11-9. Retroactivity
365:10-11-10. Facility of payment
365:10-11-11. Right of recovery

SUBCHAPTER 13. INDUSTRIAL INSURANCE: SETTLEMENT OF CLAIMS – PAYMENT BY CASH PROHIBITED
365:10-13-1. Purpose
365:10-13-2. Settlement of industrial insurance claims

SUBCHAPTER 15. UTILIZATION REVIEW REGULATIONS
365:10-15-1. Purpose
365:10-15-2. Private review agents
365:10-15-3. Private review agent certification and renewal
365:10-15-4. Transferability of Certificates
365:10-15-5. Use of Oklahoma physician in utilization review
365:10-15-6. Third party payors
365:10-15-7. In-house utilization review by insurance companies

SUBCHAPTER 17. VALUATION OF LIFE INSURANCE POLICIES REGULATION (INCLUDING THE INTRODUCTION AND USE OF NEW SELECT MORTALITY FACTORS)
365:10-17-1. Purpose
365:10-17-2. Applicability
365:10-17-3. Definitions
365:10-17-4. General calculation requirements for basic reserves and premium deficiency reserves
365:10-17-5. Calculation of minimum valuation standard for policies with guaranteed nonlevel gross premiums or guaranteed nonlevel benefits (other than universal life policies)
365:10-17-6. Calculation of minimum valuation standard for flexible premium and fixed premium universal life insurance policies that contain provisions resulting in the ability of a policy owner to keep a policy in force over a secondary guarantee period

SUBCHAPTER 19. HEALTH INSURANCE PURCHASING GROUPS
365:10-19-1. Definitions
365:10-19-2. Applicability and scope
365:10-19-3. Establishment of business
365:10-19-4. Board of directors and plan of operations
365:10-19-5. Requirement to insure all employees of the purchaser and new entrants
365:10-19-6. Prohibited provisions and other requirements
365:10-19-7. Filing requirements
365:10-19-8. Annual reporting requirements

SUBCHAPTER 21. RECOGNITION OF THE 2001 CSO MORTALITY TABLE FOR USE IN DETERMINING MINIMUM RESERVE LIABILITIES AND NONFORFEITURE BENEFITS REGULATION
365:10-21-1. Authority
365:10-21-2. Purpose
365:10-21-3. Definitions
365:10-21-4. 2001 CSO Mortality Table
365:10-21-5. Conditions
365:10-21-6. Applicability of the 2001 CSO Mortality Table to Oklahoma Valuation of Life Insurance Policies Regulation, O.A.C. 365:10-17-1, et seq.
365:10-21-7. Gender-Blended Tables
365:10-21-8. Separability
365:10-21-9. Effective date

SUBCHAPTER 23. DISCOUNT MEDICAL PLAN ORGANIZATIONS
365:10-23-1. Authority
365:10-23-2. Purpose
365:10-23-3. Audited Financial Statements
365:10-23-4. Marketers of Discount Medical Plan Organizations

SUBCHAPTER 25. REGULATION PERMITTING THE RECOGNITION OF PREFERRED MORTALITY TABLES FOR USE IN DETERMINING MINIMUM RESERVE LIABILITIES
365:10-25-1. Authority
365:10-25-2. Purpose
365:10-25-3. Definitions
365:10-25-4. 2001 CSO Preferred Class Structure Table
365:10-25-5. Conditions
365:10-25-6. Separability
365:10-25-7. Effective Date

SUBCHAPTER 27. PRENEED LIFE INSURANCE MINIMUM STANDARDS FOR DETERMINING RESERVE LIABILITIES AND NONFORFEITURE VALUES REGULATION
365:10-27-1. Authority
365:10-27-2. Scope
365:10-27-3. Purpose
365:10-27-4. Definitions
365:10-27-5. Minimum Valuation Mortality Standards
365:10-27-6. Transition Rules

SUBCHAPTER 29. EXTERNAL REVIEW REGULATIONS
365:10-29-1. Purpose
365:10-29-2. Applicability and Scope
365: 10-29-3. Definitions
365: 10-29-4. Notice of right to an external review and external review procedures
365:10-29-5. Authorization to disclose protected health information
365:10-29-6. External review requests
365:10-29-7. Notice of initial determination
365:10-29-8. Independent review organization application
365:10-29-9. Independent review organization recordkeeping and reporting requirements
365:10-29-10. Health carrier recordkeeping and reporting requirements

SUBCHAPTER 31. NAVIGATORS AND NAVIGATOR ENTITIES
365:10-31-1. Purpose
365:10-31-2. Scope
365:10-31-3. Authority
365:10-31-4. Individual navigator registration application, registration renewals, fees, and civil penalties
365:10-31-5. Navigator entity registration application, registration renewals, fees, and civil penalties
365:10-31-6. Individual navigator requirements
365:10-31-7. Navigator entity requirements

CHAPTER 10 APPENDICES
APPENDIX A. UNIFORM HEALTH CLAIM FORM
APPENDIX B. MEDICARE SUPPLEMENT POLICY STANDARDS [REVOKED]
APPENDIX C. RESCISSION REPORTING FORM FOR LONG-TERM CARE POLICIES
APPENDIX D. MIXED-GENDER MORTALITY TABLES
APPENDIX E. PRESUMPTIVELY REASONABLE ACCIDENT AND HEALTH RATES – CREDIT ACCIDENT AND HEALTH INSURANCE
APPENDIX F. CREDIT INSURANCE DEVIATION REQUEST FORM
APPENDIX G. CREDIBILITY TABLE
APPENDIX H. INVENTORY – CREDIT LIFE AND DISABILITY PRESUMPTIVE RATES
APPENDIX I. INVENTORY – CREDIT LIFE AND DISABILITY DEVIATED RATES
APPENDIX J. CREDIT LIFE INSURANCE EXPERIENCE REPORT
APPENDIX K. CREDIT DISABILITY INSURANCE EXPERIENCE REPORT
APPENDIX L. CREDIT LIFE INSURANCE EXPERIENCE REPORT
APPENDIX M. CREDIT DISABILITY INSURANCE EXPERIENCE REPORT
APPENDIX N. CREDIT LIFE INSURANCE EXPERIENCE RECONCILIATION TO STATE PAGE
APPENDIX O. CREDIT DISABILITY INSURANCE EXPERIENCE RECONCILIATION TO STATE PAGE
APPENDIX P. SELECTION FACTORS MEMORANDUM
APPENDIX Q. MEDICARE SUPPLEMENT TABLE 1. REFUND CALCULATION FORM
APPENDIX Q. MEDICARE SUPPLEMENT TABLE 2. REPORTING FORM FOR THE CALCULATION OF BENCHMARK RATIO SINCE INCEPTION FOR GROUP POLICIES
APPENDIX R. FORM FOR REPORTING MEDICARE SUPPLEMENT POLICIES
APPENDIX S. OUTLINE OF COVERAGE [Revoked]
APPENDIX T. NOTICE TO APPLICANT REGARDING REPLACEMENT OF MEDICARE SUPPLEMENT INSURANCE
APPENDIX U. PORTABILITY FORM
APPENDIX V. DISCLOSURE STATEMENTS
APPENDIX W. LONG TERM CARE INSURANCE PERSONAL WORKSHEET
APPENDIX X. DISCLOSURE FORM – THINGS YOU SHOULD KNOW BEFORE YOU BUY LONG-TERM CARE INSURANCE
APPENDIX Y. LONG-TERM CARE INSURANCE SUITABILITY LETTER
APPENDIX Z. ASSET ADEQUACY TEST AMOUNTS-RESERVES AND LIABILITIES
APPENDIX AA. LONG TERM CARE INSURANCE FORMAT FOR OUTLINE OF COVERAGE
APPENDIX BB. SELECT MORTALITY FACTORS
APPENDIX CC. LONG-TERM CARE INSURANCE CLAIMS DENIAL REPORTING FORM
APPENDIX DD. LONG-TERM CARE INSURANCE POTENTIAL RATE INCREASE DISCLOSURE FORM
APPENDIX EE. TRIGGERS FOR A SUBSTANTIAL PREMIUM INCREASE
APPENDIX FF. MEDICARE SUPPLEMENT INSURANCE QUESTIONS
APPENDIX GG. INFORMATION PROVIDED PURSUANT TO SECTION 365:10-5-176(F)(1)(C)(II) OF THE ACTUARIAL OPINION AND MEMORANDUM REGULATIONS
APPENDIX HH. PARTNERSHIP PROGRAM NOTICE
APPENDIX II. PARTNERSHIP STATUS DISCLOSURE NOTICE
APPENDIX JJ. ISSUER CERTIFICATION FORM
APPENDIX KK. APPROVED LONG TERM CARE PARTNERSHIP PROGRAM POLICY SUMMARY
APPENDIX LL. NOTICE TO APPLICANT REGARDING REPLACEMENT OF INDIVIDUAL ACCIDENT AND SICKNESS OR LONG-TERM CARE INSURANCE FOR SOLICITATIONS OTHER THAN DIRECT RESPONSE
APPENDIX MM. NOTICE TO APPLICANT REGARDING REPLACEMENT OF ACCIDENT AND SICKNESS OR LONG-TERM CARE INSURANCE FOR DIRECT RESPONSE SOLICITATIONS
APPENDIX PP. NOTICE OF APPEAL RIGHTS
APPENDIX QQ. EXTERNAL REVIEW REQUEST FORM
APPENDIX RR. APPLICATION FOR REGISTRATION AS AN INDEPENDENT REVIEW ORGANIZATION
APPENDIX SS. INDEPENDENT REVIEW ORGANIZATION EXTERNAL REVIEW ANNUAL REPORT FORM
APPENDIX TT. HEALTH CARRIER EXTERNAL REVIEW ANNUAL REPORT FORM
APPENDIX UU. POLICY HOLDERS AUTHORIZATION TO RELEASE INSURANCE POLICY INFORMATION TO AGENT OF RECORD [REVOKED]
APPENDIX VV. UNIFORM HEALTH QUESTIONNAIRE
APPENDIX WW. 2012 IAM PERIOD TABLE, FEMALE, AGE NEAREST BIRTHDAY
APPENDIX XX. 2012 IAM PERIOD TABLE, MALE, AGE NEAREST BIRTHDAY
APPENDIX YY. PROJECTION SCALE G2, FEMALE, AGE NEAREST BIRTHDAY
APPENDIX ZZ. PROJECTION SCALE G2, MALE, AGE NEAREST BIRTHDAY

SUBCHAPTER 1. GENERAL PROVISIONS
365:15-1-1. Purpose
365:15-1-2. Severability
365:15-1-3. Property and casualty form filings
365:15-1-3.1. Workers’ compensation medical claims small deductible form
365:15-1-3.2. Financial requirements – mega deductible workers’ compensation policies
365:15-1-4. Use of property and casualty insurance policy records
365:15-1-5. Allocation of taxable premiums received from the sale of homeowner’s and other multiple peril insurance policies to the firemen’s relief and pension fund [REVOKED]
365:15-1-6. Nationwide inland marine definition
365:15-1-7. Fictitious grouping prohibited and defined
365:15-1-8. Unearned premium reserve fund
365:15-1-9. Unfair discrimination on basis of blindness or partial blindness
365:15-1-10. Policy of insurance shall include insurer’s complete name and street address and insurance claim warning
365:15-1-11. Testimonials or endorsements by third parties
365:15-1-12. Duration of filings [REVOKED]
365:15-1-13. Expiration of policies
365:15-1-14. Notice of cancellation or non-renewal
365:15-1-15 Standard policy provision – defense expenses within the limit of liability
365:15-1-16. Standard policy provision – medical payments
365:15-1-17. Standard policy provision – life and health insurance provisions
365:15-1-18. Withdrawal or discontinue writing
365:15-1-19. Blank endorsements
365:15-1-20. Oklahoma Risk Retention Act
365:15-1-21. Article 36 of the Insurance Code
365:15-1-22. Processing Fee for Affidavit of Exempt Status [REVOKED]
365:15-1-23. Exclusion from Ocean Marine Definitions
365:15-1-24. Appeals of Rating Classifications
365:15-1-25. Loss runs and claims history

SUBCHAPTER 3. CLAIMS RESOLUTION AND UNFAIR CLAIM SETTLEMENT PRACTICES
365:15-3-1. Purpose
365:15-3-2. Definitions
365:15-3-2.1. Minimum standard of performance
365:15-3-3. File and record documentation
365:15-3-4. Misrepresentation of policy provisions
365:15-3-5. Failure to acknowledge pertinent communications
365:15-3-6. Standards for prompt investigation of claims
365:15-3-7. Standards for prompt, fair and equitable settlements applicable to all insurers
365:15-3-8. Standards for prompt, fair and equitable settlements applicable to automobile insurance
365:15-3-9. Separability provision

SUBCHAPTER 7. COMMERCIAL PROPERTY AND CASUALTY COMPETITIVE LOSS COST RATING REGULATIONS
365:15-7-1. Purpose
365:15-7-2. Severability
365:15-7-3. Property and casualty rate, loss cost and manual rule filings
365:15-7-4. Advisory Organization deviations
365:15-7-5. Duration of filings
365:15-7-6. Excess consent rate filings
365:15-7-7. Forms governed by Article 36 [REVOKED]
365:15-7-8. Group filings
365:15-7-9. Independent filings
365:15-7-10. Reference filings
365:15-7-11. Members of or subscribers to a licensed advisory organization
365:15-7-12. Resubmittal of filings.
365:15-7-13. Retroactive filings. [REVOKED]
365:15-7-14. Delivery of policy to insured.
365:15-7-15. Persons requesting notice of filings [REVOKED]
365:15-7-16. Statistical plans
365:15-7-17. Suspension or modification of filing requirements [REVOKED]
365:15-7-18. Technicians
365:15-7-19. Deferred Premium Payment Plans
365:15-7-20. Uniform application of deviations [REVOKED]
365:15-7-21. Package discount
365:15-7-22. Individual risk rating plans
365:15-7-23. Waiver of Premium
365:15-7-24. Oklahoma Risk Retention Act
365:15-7-25. Multi tiering
365:15-7-26. Weather Related Claims
365:15-7-27. Credit Related Policies – Rule of 78
365:15-7-28. Use of lack of prior insurance in underwriting or rating
365:15-7-29. Workers’ Compensation Insurance
365:15-7-30. Special Commercial Risks
365:15-7-31. Withdrawal or Discontinue Writing
365:15-7-32. Use of “a” rates

SUBCHAPTER 9. MEDICAL PROFESSIONAL LIABILITY RATE SETTING
365:15-9-2. Severability [REVOKED]
365:15-9-3. Notice To policyholders [REVOKED]
365:15-9-4. Stenographer for hearing [REVOKED]
365:15-9-5. Purchasing groups [REVOKED]
365:15-9-6. Rating organizations [REVOKED]
365:15-9-6.1 Umbrella medical professional liability coverage [REVOKED]
365:15-9-7. Right to appeal [REVOKED]
365:15-9-8. Miscellaneous [REVOKED]
365:15-9-9. Rate change application is a public record [REVOKED]
365:15-9-10. Property and casualty rate, loss cost and manual rate filings [REVOKED]
365:15-9-11. Duration of filings [REVOKED]
365:15-9-12. Forms governed by Article 36 [REVOKED]
365:15-9-13. Group filings [REVOKED]
365:15-9-14. Independent filings [REVOKED]
365:15-9-15. Reference filings [REVOKED]
365:15-9-16. Members of or subscribers to a licensed advisory organization [REVOKED]
365:15-9-17. Resubmittal of disapproval or rejected filings [REVOKED]
365:15-9-18. Statistical plans [REVOKED]
365:15-9-19. Outside review [REVOKED]
365:15-9-20. Individual risk rating plans [REVOKED]
365:15-9-21. Waiver of premium [REVOKED]
365:15-9-22. Withdrawal or discontinue writing [REVOKED]

CHAPTER 15 APPENDICES

APPENDIX A. FORMAT FOR SUPPLEMENTAL DATA REPORTING BY LARGEST PROPERTY AND CASUALTY INSURERS [REVOKED]
APPENDIX B. OKLAHOMA WORKERS’ COMPENSATION MANDATORY OPTIONAL DEDUCTIBLE ACCEPTANCE/REJECTION FORM
APPENDIX C. EXCESS CONSENT RATE APPLICATION
APPENDIX D. FORMAT FOR NOTIFICATION TO POLICYHOLDERS OF APPLICATION FOR RATE CHANGE [REVOKED]

SUBCHAPTER 1. GENERAL PROVISIONS
365:20-1-1. Purpose
365:20-1-2. Severability

SUBCHAPTER 3. OKLAHOMA TITLE INSURANCE POLICIES
365:20-3-1. Definitions
365:20-3-2. Statutory requirements
365:20-3-3. Documentation
365:20-3-4. Penalties for non-compliance
365:20-3-5. Reporting requirements

SUBCHAPTER 1. GENERAL PROVISIONS
365:25-1-1. Purpose
365:25-1-2. Severability

SUBCHAPTER 3. PRODUCERS, BROKERS, LIMITED LINES PRODUCERS AND VEHICLE PROTECTION PRODUCT WARRANTORS
365:25-3-1. Insurance producers continuing education
365:25-3-1.1. Application for resident producer license [REVOKED]
365:25-3-1.2. Provisional producer license [REVOKED]
365:25-3-1.3. Approved insurance company training program [REVOKED]
365:25-3-1.4. Producer training requirements for long-term care insurance
365:25-3-2. Insurance agency name [REVOKED]
365:25-3-3. Licensing of incorporated insurance agency
365:25-3-4. Knowledge of producer imputed to the insurer
365:25-3-5. Relating to the use of pictures of the Insurance Commissioner and/or insurance department personnel and/or any other pictorial or printed material of the Insurance Commissioner’s office as promotional material in the sale of stock, subscriptions to stock, or policies of insurance by companies with the State of Oklahoma
365:25-3-6. Management and commission contracts; approval by Insurance Commissioner [REVOKED]
365:25-3-7. Advance commissions to officers
365:25-3-6. Management and commission contracts; approval by Insurance Commissioner [REVOKED]
365:25-3-7. Advance commissions to officers
365:25-3-8. Inducement of lapse, surrender or cancellation of existing permanent life insurance coverage prohibited
365:25-3-9. “Twisting” defined and prohibited
365:25-3-10. Participating contracts of life insurance
365:25-3-11. Motor service club agent’s license [REVOKED]
365:25-3-12. Insurance consultants and surplus lines insurance brokers
365:25-3-13. Surplus line insurance with non-admitted insurer; approval prior to issuance; collection and remittance of taxes; claims for tax adjustments; procedures; forms
365:25-3-14. Insurance adjusters continuing education
365:25-3-15. Variable annuity licensing
365:25-3-16. Examination exemptions
365:25-3-17. Agriculture revenue license [REVOKED]
365:25-3-18. Compensation and education for sale of Medicare Advantage or Medicare private fee for service products and plans
365:25-3-19. Medicare Part D volunteer counselors
365:25-3-20. Vehicle protection product warrantor; fee forms
365:25-3-20.1 Prior approval of vehicle protection product contract forms
365:25-3-20.2 Cancellation language for vehicle protection product contract forms
365:25-3-20.3 Disapproval of any vehicle protection product contract forms
365:25-3-21. Training and Education Requirements for the Sale of Annuities

SUBCHAPTER 5. BAIL BONDSMEN

PART 1. CONTINUING EDUCATION FOR BAIL BONDSMEN
365:25-5-1. Purpose
365:25-5-2. Definitions
365:25-5-3. Education requirements
365:25-5-4. Application for course approval
365:25-5-5. Approval or denial of course; certificate of completion
365:25-5-6. Proof of completion; video courses
365:25-5-7. Repeating courses
365:25-5-8. Extensions of time
365:25-5-9. Severability provision

PART 3. PERTAINING TO RELINQUISHMENT OF LIABILITIES PRIOR TO CONTRACTING AS AN AGENT OR SUBAGENT FOR ANOTHER INSURER TO PROFESSIONAL BONDSMAN [REVOKED]

PART 5. GENERAL PROVISIONS PERTAINING TO BAIL BONDSMEN
365:25-5-30. Definitions
365:25-5-31. Information to be included on applications
365:25-5-32. Examination fees
365:25-5-33. Change of address requirements
365:25-5-34. Professional and multicounty agent bondsman deposits
365:25-5-35. Bondsman license renewal
365:25-5-36. Monthly reports
365:25-5-37. Usual and customary records
365:25-5-38. Ten defendant limit
365:25-5-39. Affidavit as to undertaking
365:25-5-40. Computation of time in 59 O.S. �?1332
365:25-5-41. Special deposit
365:25-5-42. Professional/multicounty agent bondsman net worth
365:25-5-43. Appointments
365:25-5-44. Notice of return to custody
365:25-5-45 Fines and costs due commissioner
365:25-5-46 Notification of use of business name
365:25-5-47 Financial statement required
365:25-5-48 Acts of a bail bondsman

Part 7. SPECIFIC FINANCIAL CIRCUMSTANCES WARRANTING RELEASE OF PROFESSIONAL DEPOSIT
365:25-5-50 Authority and scope
365:25-5-51. Specific financial circumstances enumerated
365:25-5-52. Time governing release of professional deposit
365:25-5-53. Limitations upon release of professional deposit below applicable limits
365:25-5-54. Review of bail bondsmen’s administrative history before release of professional deposit
365:25-5-55. Denial of request if bail bondsman has prior forfeitures
365:25-5-56. Limits on outstanding liabilities
365: 25-5-57. Commissioner discretion to release amount less than requested
365:25-5-58. Approval of final order by Commissioner

SUBCHAPTER 7. COMPANIES

PART 1. AFFILIATE TRANSACTIONS [REVOKED]
365:25-7-1. Purpose [REVOKED]
365:25-7-2. Form D [REVOKED]

PART 3. REDOMESTICATION
365:25-7-10. Purpose
365:25-7-11. Application to become domestic insurer; form

PART 5. OKLAHOMA INSURANCE HOLDING COMPANY SYSTEM REGULATORY ACT
365:25-7-20. Purpose
365:25-7-21. Severability provision
365:25-7-22. Definitions
365:25-7-23. Forms: general requirements
365:25-7-24. Forms: incorporation by reference, summaries and omissions
365:25-7-25. Forms: information unknown or unavailable and extension of time to furnish
365:25-7-26. Forms: additional information and exhibits
365:25-7-27. Forms: amendments [REVOKED]
365:25-7-27.1. Subsidiaries of domestic insurers
365:25-7-28. Acquisition of control; statement filing (Form A)
365:25-7-28.1. Pre-acquisition notification
365:25-7-29. Annual registration of insurers; statement filing (Form B)
365:25-7-29.1. Transactions subject to prior notice – notice filing (Form D)
365:25-7-29.2. Enterprise Risk Report
365:25-7-30. Extraordinary dividends and other distributions
365:25-7-31. Adequacy of surplus

PART 7. COMPANIES IN HAZARDOUS FINANCIAL CONDITION
365:25-7-40. Authority
365:25-7-41. Purpose
365:25-7-42. Standards for determining hazardous financial condition
365:25-7-43. Commissioner’s authority
365:25-7-44. Risk-based capital instructions
365:25-7-45. Separability

PART 9. LIFE AND HEALTH REINSURANCE AGREEMENTS
365:25-7-50. Purpose and scope
365:25-7-51. Accounting requirements
365:25-7-52. Written agreements
365:25-7-53. Existing agreements

PART 11. CREDIT FOR REINSURANCE
365:25-7-60. Purpose
365:25-7-61. Severability
365:25-7-62. Credit for reinsurance – reinsurer licensed in this state
365:25-7-63. Credit for reinsurance – accredited reinsurers
365:25-7-64. Credit for reinsurance – reinsurer domiciled and licensed in another state
365:25-7-65. Credit for reinsurance – reinsurers maintaining trust funds
365:25-7-66. Credit for reinsurance required by law
365:25-7-67. Reduction from liability for reinsurance ceded to an unauthorized assuming insurer
365:25-7-68. Trust agreements qualified under Section 365:25-7-67
365:25-7-69. Other security
365:25-7-70. Reinsurance contract
365:25-7-71. Contracts affected
365:25-7-72. Letters of credit qualified under 365:25-7-67

PART 13. ELECTRONIC FILINGS
365:25-7-75. Electronic filings of quarterly financial statements
365:25-7-76. Insurance Company Holding Company Act

PART 15. COMPANY SUPERVISION
365:25-7-80. Purpose
365:25-7-81. Definitions
365:25-7-82. Authorization
365:25-7-83. Professional confidentiality
365:25-7-84. Passing on of confidential information
365:25-7-85. Agreements for information exchange
365:25-7-86. Supervisory colleges

SUBCHAPTER 9. PREPAID FUNERAL BENEFITS
365:25-9-1. Purpose
365:25-9-2. Contract approval
365:25-9-3. Forms
365:25-9-4. Deposit reports
365:25-9-5. Prohibited acts
365:25-9-6. Amendments
365:25-9-7. Severability provision
365:25-9-8. Conversion from trust to insurance funded contracts

SUBCHAPTER 11. VIATICAL SETTLEMENTS REGULATION
365:25-11-1. Approval of viatical settlement contracts by Commissioner pursuant to 36 O.S. § 4055.5
365:25-11-2. License requirements for viatical settlement providers [REVOKED]
365:25-11-2.1 Definitions
365:25-11-3. License requirements [REVOKED]
365:25-11-4. Other requirements for brokers [REVOKED]
365:25-11-4.1 Standards for evaluation of reasonable payments for terminally ill insureds
365:25-11-5. Reporting requirement
365:25-11-6. General rules
365:25-11-7. Requirement to file advertising
365:25-11-8. Prohibited practices
365:25-11-9. Insurance company practices
365:25-11-10. Transition period for existing license

SUBCHAPTER 13. LIFE SETTLEMENTS REGULATION [REVOKED]
365:25-13-1. Approval of life settlement contracts by commissioner pursuant to 36 O.S. § 4089 [REVOKED]
365:25-13-2. License requirements for life settlement providers [REVOKED]
365:25-13-3. License requirements for life settlement brokers [REVOKED]
365:25-13-4. Other requirements for brokers [REVOKED]
365:25-13-5. Reporting requirement [REVOKED]
365:25-13-6. General rule [REVOKED]
365:25-13-7. Advertising [REVOKED]

SUBCHAPTER 15. CAPTIVE INSURANCE COMPANIES REGULATION
365:25-15-2. Annual reporting requirements
365:25-15-3. Annual Audit
365:25-15-4. Independent Certified Public Accountant
365:25-15-5. Deposit Requirement
365:25-15-6. Organizational examination
365:25-15-7. Reinsurance [REVOKED]
365:25-15-9. Executive officers and directors
365:25-15-10. Conflict of interest
365:25-15-11. Rescission of captive license [REVOKED]
365:25-15-12. Acquisition of control of or merger with domestic company
365:25-15-13. Change of business
365:25-15-14. Prior approval
365:25-15-15. Severability Provision [REVOKED]
365:25-15-16. Consolidated or combined audits
365:25-15-17. Sponsored captive shares and dividends
365:25-15-18. Variable contracts
365:25-15-19. Qualification of sponsors
365:25-15-20. Sponsored captive and cell assets
365:25-15-21. Delinquency of sponsored captive insurance companies
365:25-15-22. Reinsurance of life insurance policies
365:25-15-23. Dormant captive insurance companies
365:25-15-24. Severability

SUBCHAPTER 17. CONSUMER PROTECTION IN ANNUITY TRANSACTIONS REGULATION
365:25-17-1. Purpose
365:25-17-2. Scope
365:25-17-3. Authority
365:25-17-4. Exemptions
365:25-17-5. Definitions
365:25-17-6. Misrepresentation, fraud and incomplete comparisons of annuities
365:25-17-7. Duties of insurers and of insurance producers
365:25-17-8. Mitigation of responsibility
365:25-17-9. Recordkeeping

SUBCHAPTER 19. ANNUITY DISCLOSURE REGULATION
365:25-19-1. Purpose
365:25-19-2. Authority
365:25-19-3. Applicability and scope
365:25-19-4. Definitions
365:25-19-5. Standards for the disclosure document and buyer’s guide
365:25-19-6. Report to contract owners
365:25-19-7. Penalties
365:25-19-8 Separability
365:25-19-9. Effective date

SUBCHAPTER 21. REGULATION ON THE USE OF SENIOR-SPECIFIC CERTIFICATIONS AND PROFESSIONAL DESIGNATIONS IN THE SALE OF LIFE INSURANCE AND ANNUITIES
365:25-21-1. Purpose
365:25-21-2. Scope
365:25-21-3. Authority
365:25-21-4. Definition
365:25-21-5. Prohibited Uses of Senior-Specific Certifications and Professional Designations
365:25-21-6. Effective Date

SUBCHAPTER 23. CEMETERY MERCHANDISE TRUSTS
365:25-23-1. Purpose
365:25-23-2. Permit required
365:25-23-3. Contract approval
365:25-23-4. Forms
365:25-23-5. Trust fund and trustee
365:25-23-6. Surety bond
365:25-23-7. Reports to trustee
365:25-23-8. Annual report
365:25-23-9. Notice of sale

SUBCHAPTER 25. OKLAHOMA EMPLOYEE INJURY BENEFIT ACT
365:25-25-1. Purpose
365:25-25-2. Scope
365:25-25-3. Authority
365:25-25-4. Definitions
365:25-25-5. Election notification to the Oklahoma Insurance Department
365:25-25-6. Election fee
365:25-25-7. Written benefit plan
365:25-25-8. Employee notice
365:25-25-9. Funding of Qualified Employer’s benefit plan, liability, and other insurable risk
365:25-25-10 Insuring Qualified Employer’s benefit plan, liability, and other insurable risk
365:25-25-11 Self- Funding Qualified Employer’s benefit plan, liability, and other insurable risk
365:25-25-12 Surety bond and irrevocable letter of credit
365:25-25-13 Release of security deposit
365:25-25-14 Oklahoma Option Self-Insured Guaranty Fund
365:25-25-15 Severability

SUBCHAPTER 27. MILITARY SALES PRACTICES REGULATION
365:25-27-1. Purpose
365:25-27-2. Scope
365:25-27.3. Authority
365:25-27-4. Exemptions
365:25-27-5. Definitions
365:25-27-6. Practices Declared False, Misleading, Deceptive or Unfair on a Military Installation
365:25-27-7. Practices Declared False, Misleading, Deceptive or Unfair Regardless of Location
365:25-27-8. Severability

SUBCHAPTER 29. PHARMACY BENEFITS MANAGERS
365:25-29-1. Purpose
365:25-29-2. Scope
365:25-29-3. Authority
365:25-29-4. Definitions
365:25-29-5. Forms and contents of application for PBM license
365:25-29-6. Surety bond
365:25-29-7. License term, renewals, fees
365:25-29-8. PBM to file certain financial statements with the Commissioner
365:25-29-9. Contractual requirements—maximum allowable cost
365:25-29-10. Penalty for noncompliance
365:25-29-11. “Doing pharmacy benefits management business in this state” defined—venue—exceptions

CHAPTER 25 APPENDICES
APPENDIX A. FORM A: OKLAHOMA INSURANCE HOLDING COMPANY SYSTEM ACQUISITION STATEMENT
APPENDIX AA. FORM F: ENTERPRISE RISK REPORT
APPENDIX B. FORM B: OKLAHOMA INSURANCE HOLDING COMPANY SYSTEM REGISTRATION STATEMENT
APPENDIX BB. WRITTEN CONFIRMATION STATEMENT
APPENDIX C. APPLICATION FOR ORIGINAL PERMIT
APPENDIX CC. CERTIFICATE OF CERTIFIED REINSURER
APPENDIX D. FIDELITY BOND
APPENDIX DD. ANNUAL REINSURANCE REVIEW – PROPERTY & CASUALTY INSURERS
APPENDIX E. APPLICATION TO WITHDRAW FUNDS DEPOSITED FOR PREPAID FUNERAL EXPENSES
APPENDIX EE. ANNUAL REINSURANCE REVIEW – LIFE & HEALTH INSURERS
APPENDIX F. BUYERS APPLICATION TO TERMINATE CONTRACT OR WITHDRAW FUNDS PREVIOUSLY DEPOSITED FOR PREPAID FUNERAL BENEFITS UNDER A NON-SPECIFIED OR GUARANTEED CONTRACT
APPENDIX FF. SMALL EMPLOYER STOP LOSS DISCLOSURE
APPENDIX G. PREPAID FUNERAL, ANNUAL STATEMENT – FORM PF-1-a & bFORM PF-1-c & d, and FORM PF-2-a, b, & c
APPENDIX H. PREPAID FUNERAL – ANNUAL STATEMENT OF FINANCIAL CONDITION (RECONCILIATION OF TRUST ACCOUNTS) Form PF-3
APPENDIX I. APPLICATION FOR RENEWAL OF PERMIT Form PFB-2[REVOKED]
APPENDIX J. BUYERS APPLICATION TO TERMINATE CONTRACT AND WITHDRAW FUNDS REPOSITED FOR PREPAID FUNERAL EXPENSES [REVOKED]
APPENDIX K. CERTIFICATE OF AUTHORITY FOR WITHDRAWAL AND REPAYMENT OF PREPAID AND PRE-ARRANGED FUNERAL EXPENSES [REVOKED]
APPENDIX L. PREPAID FUNERAL – ANNUAL REPORT [REVOKED]
APPENDIX M. APPLICATION FOR RENEWAL OF PERMIT
APPENDIX N. FORM C: SUMMARY OF REGISTRATION STATEMENT
APPENDIX O. FORM D: PRIOR NOTICE OF A TRANSACTION
APPENDIX P. CERTIFICATE OF ASSUMING INSURER
APPENDIX Q. FORM E PRE-NOTIFICATION FORM REGARDING THE POTENTIAL COMPETITIVE IMPACT OF A PROPOSED MERGER OR ACQUISITION BY AN INSURER
APPENDIX R. CONVERSION FROM PRE-PAID FUNERAL TRUST TO INSURANCE FUNDED CONTRACTS
APPENDIX S. BUYERS GUIDE [REVOKED]
APPENDIX T. INSURANCE COMPANY TRAINING PROGRAM AFFIDAVIT [REVOKED]
APPENDIX U. INFORMATIONAL BROCHURE TO BE PROVIDED TO A PROSPECTIVE VIATOR AT FIRST CONTACT PURSUANT TO O.A.C. 365:25-11-6(a)
APPENDIX V. VERIFICATION OF COVERAGE FOR LIFE INSURANCE POLICIES
APPENDIX W. PAYOUTS FOR INSUREDS WHO ARE TERMINALLY IL
APPENDIX X. SELLERS NOTICE TO THE INSURANCE COMMISSIONER
APPENDIX Y. ASSUMPTION AFFIDAVIT
APPENDIX Z. NOTICE TO EMPLOYEES CONCERNING QUALIFIED EMPLOYER

SUBCHAPTER 1. PRIVACY OF CONSUMER FINANCIAL AND HEALTH INFORMATION REGULATION

Part 1. General Provisions
365:35-1-1. Authority
365:35-1-2. Purpose and scope
365:35-1-3. Rule of construction
365:35-1-4. Meaning of terms as used in this regulation; other substantive provisions
Part 3. Privacy and Opt Out Notices for Financial Information
365:35-1-10. Initial privacy notice to consumers required
365:35-1-11. Annual privacy notice to customers required
365:35-1-12. Information to be included in privacy notices
365:35-1-13. Form of opt out notice to consumers and opt out methods
365:35-1-14. Revised privacy notices
365:35-1-15. Delivery
Part 5. Limits On Disclosures Of Financial Information
365:35-1-20. Limitation on disclosure of nonpublic personal financial information to nonaffiliated third parties
365:35-1-21. Limits on redisclosure and reuse of nonpublic personal financial information
365:35-1-22. Limits on sharing account number information for marketing purposes
Part 7. Exceptions To Limits On Disclosures Of Financial Information
365:35-1-30. Exception to opt out requirements for disclosure of nonpublic personal financial information for service providers and joint marketing
365:35-1-31. Exceptions to notice and opt out requirements for disclosure of nonpublic personal financial information for processing and servicing transactions
365:35-1-32. Other exceptions to notice and opt out requirements for disclosure of nonpublic personal financial information
Part 9. Rules For Health Information
365:35-1-40. When authorization required for disclosure of nonpublic personal health information
365:35-1-41. Authorizations
365:35-1-42. Authorization request delivery
365:35-1-43. Relationship to federal rules
365:35-1-44. Relationship to state laws
Part 11. Additional Provisions
365:35-1-50. Protection of Fair Credit Reporting Act
365:35-1-51. Nondiscrimination
365:35-1-52. Violation
365:35-1-53. Severability
365:35-1-54. Effective date

SUBCHAPTER 3. STANDARDS FOR SAFEGUARDING CUSTOMER INFORMATION REGULATION
365:35-3-1. Preamble
365:35-3-2. Definitions
365:35-3-3. Information security program
365:35-3-4. Objectives of information security program
365:35-3-5. Examples of methods of development and implementation
365:35-3-6. Assess risk
365:35-3-7. Manage and control risk
365:35-3-8. Oversee service provider arrangements
365:35-3-9. Adjust the program
365:35-3-10. Violation
365:35-3-11. Effective date

CHAPTER 35 APPENDICES

APPENDIX A. SAMPLE CLAUSES

SUBCHAPTER 1. GENERAL PROVISIONS

365:40-1-1. Purpose
365:40-1-2. Definitions
365:40-1-3. Medicaid HMOs
365:40-1-4. Severability provision

SUBCHAPTER 3. FINANCIAL

Part 1. HMO Forms and instructions
365:40-3-1. Licensure forms
365:40-3-2. Deposit of securities forms

Part 3. Holding Company System
365:40-3-10. Definitions
365:40-3-11. Compliance with Article 16A of Title 36
365:40-3-12. Annual Registration Statements
365:40-3-13. Transactions with affiliates
365:40-3-14. Prior approval pursuant to 36 O.S. § 6903(C)
365:40-3-15. Notice of amendments or modifications pursuant to 36 O.S. § 6903(C)
365:40-3-16. Redomestication
365:40-3-17. Forms: general requirements
365:40-3-18. Forms: incorporation by reference, summaries and omissions
365:40-3-19. Acquisition of control; statement filing (HMO Form A)
365:40-3-20. Pre-acquisition notification
365:40-3-21. Annual registration of HMOs; statement filing (HMO Form B)
365:40-3-22. Dividend to stockholders
365:40-3-23. Extraordinary dividends and other distributions
365:40-3-24. Adequacy of surplus
365:40-3-25. Failure to file

Part 5. Miscellaneous
365:40-3-30. Liabilities
365:40-3-31. Name of HMO
365:40-3-32. Standards for determining hazardous financial condition
365:40-3-33. Commissioner’s authority

SUBCHAPTER 5. LIFE, ACCIDENT & HEALTH DIVISION and CLAIMS AND CONSUMER ASSISTANCE DIVISION RULES

Part 1. General Provisions
365:40-5-1. Definitions
365:40-5-2. Form filings

Part 3. Rating System
365:40-5-10. Definitions
365:40-5-11. Community rating
365:40-5-12. Community rating by class
365:40-5-13. Adjusted community rating
365:40-5-14. Rates to reflect risk-sharing arrangements

Part 5. Basic And Supplemental Health Care Services
365:40-5-20. Basic health care services
365:40-5-21. Supplemental health care services
365:40-5-22. Benefit changes
365:40-5-23. Identification cards

Part 7. Point Of Service Option
365:40-5-30. Definitions
365:40-5-31. Purpose/scope
365:40-5-32. Responsibilities of the HMO

Part 9. HMO Requirements And Prohibitions
365:40-5-40. Services to members
365:40-5-41. Membership
365:40-5-42. Individual conversion contracts
365:40-5-43. Premiums/co-payments
365:40-5-44. Internal grievance system
365:40-5-45. Guaranteed renewal
365:40-5-46. Small group offering
365:40-5-47. Special enrollment periods

Part 11. Coordination Of Benefits
365:40-5-50. Purpose
365:40-5-51. Definitions
365:40-5-52. Effect on benefits
365:40-5-53. Right to receive and release necessary information
365:40-5-54. Benefit payments
365:40-5-55. Subrogation
365:40-5-56. Small claim waivers
365:40-5-57. Public education
365:40-5-58. Retroactivity
365:40-5-59. Facility of payment
365:40-5-60. Right of recovery

Part 13. Termination Of Members, Providers and Continuation of Benefits
365:40-5-70. Termination of group or individual contracts
365:40-5-71. Termination of providers
365:40-5-72. Continuation of benefits
365:40-5-73. Disenrollment for cause
365:40-5-74. Certification of creditable coverage

Part 15. Discontinuation of HMO
365:40-5-80. Notice
365:40-5-81. Individual market
365:40-5-82. Group market
365:40-5-83. Market reentry

Part 17. Confidentiality of Medical Information and Liability
365:40-5-90. Responsibility of HMO

Part 19. Request For Assistance and Prompt Pay Form
365:40-5-100. Request for assistance
365:40-5-101. Prompt Pay Form and Requirements

Part 21. Geographic Service Area Variations
365:40-5-110. Accessibility of providers
365:40-5-111. Marketing and enrolling
365:40-5-112. Geographic area filings

Part 23. Reimbursement of Claims
365:40-5-120. Purpose
365:40-5-121. Requirement to reimburse claims for point of service
365:40-5-122. Responsibilities
365:40-5-123. Reimbursement criteria
365:40-5-124. Claims payment report
365:40-5-125. Elements of a clean claim
365:40-5-126. Disclosure requirements
365:40-5-127. Disclosure of processing procedures
365:40-5-128. Failure to promptly pay
365:40-5-129. Date of claim receipt
365:40-5-130. Terms of contracts

CHAPTER 40 APPENDICIES
APPENDIX A. HMO FORM A
APPENDIX B. HMO FORM B
APPENDIX C. HMO FORM C
APPENDIX D. HMO FORM D
APPENDIX E. HMO FORM E
APPENDIX F. HMO FORM R

SUBCHAPTER 1. PLAN REQUIREMENTS
365: 45-1-1. Standard health benefit plan requirements
365:45-1-2. Standard health benefit plan disclosure requirements

SUBCHAPTER 3. PRODUCT CERTIFICATION REQUIREMENTS
365:45-3-1. Certification of insurance programs for recommendation by the Health Care for the Uninsured Board

SUBCHAPTER 5. PRODUCER EDUCATION REQUIREMENTS
365:45-5-1. Training and education requirements for producers to market Health Care for the Uninsured Board (HUB) certified products

OKLAHOMA REAL ESTATE APPRAISER BOARD RULES – TITLE 600

600:10-1-2. Definitions
600:10-1-4. Examination
600:10-1-6. Experience prerequisite
600:10-1-8. Course approval requirements
600:10-1-10. Standards of practices
600:10-1-12. Inactive status; annual fee payment
600:10-1-14. Reinstatement of license or certification
600:10-1-16. Supervision of trainee appraisers

CHAPTER 15. DISCIPLINARY PROCEDURES
600:15-1-2. Definitions
600:15-1-4. Complaint procedure
600:15-1-6. Notice of disciplinary proceedings
600:15-1-8. Public hearings
600:15-1-10. Right to counsel
600:15-1-12. Failure to appear
600:15-1-14. Disciplinary alternatives
600:15-1-16. Proposed findings of fact, conclusions of law and disciplinary recommendations
600:15-1-18. Rehearing, reopening or reconsideration of Board decision
600:15-1-20. Request for declaratory ruling
600:15-1-22. Severability provision

600:20-1-1. Establishment of committees
600:20-1-3. Appointment and removal of committee members