Alabama Administrative Code

(1) An employer shall grant an exemption from vaccination to any employee who files an exemption claim form affirming that receiving a COVID-19 vaccination conflicts with his or her sincerely held religious beliefs, practices, or observances. Notes Ala. Admin. Code r. 480-9-1-.04…

(1) In the event an employer denies a request for exemption, the employer MUST provide the employee with instructions on how to file a request for administrative review with the Department no later than the latter of seven (7) calendar days following the denial of the request for…

This chapter is adopted pursuant to Section 27-2-17, Code of Ala. 1975. Author: Reyn Norman, Associate Counsel Notes Ala. Admin. Code r. 482-1-003-.01 New Rule: January 16, 2003; effective January 26, 2003. Filed with LRS January 16, 2003. Rule is not subject to the Alabama Admin…

(1) Department of Insurance employees' daily rate of per diem and mileage allowance shall be the same as provided for other regularly employed personnel of the State, with the exception of Insurance Examiners or other persons designated by the Commissioner of Insurance for the pu…

Specially designated examiners' and actuaries' daily rate of subsistence shall be set by the Commissioner of Insurance in consonance with, and not to exceed, the prevailing rates recommended by the National Association of Insurance Commissioners and shall include travel expenses …

(1) Billing by the Department for expenses, subsistence and compensation may be weekly, bi-weekly, or may be deferred until completion of the examination. All funds collected pursuant to appropriate statute and application of this chapter shall be promptly deposited to the credit…

If any provision of this chapter or the application thereof to any person or circumstances is for any reason held to be invalid, the remainder of the chapter and the application of its provisions to other persons or circumstances shall not be affected thereby. Author: Reyn Norman…

This chapter shall be effective upon its approval by the Commissioner of Insurance, and upon its having been on file as a public document in the office of the Secretary of State for ten days. Author: Reyn Norman, Associate Counsel Notes Ala. Admin. Code r. 482-1-003-.06 New Rule:…

Industrial fire insurance policies issued by insurers writing fire and allied lines of insurance through agents operating on the debit agency system, under which system a weekly or monthly collection percentage is paid based either on actual weekly or monthly premium collections …

The face amount of the insurance provided by an industrial fire policy covering buildings and other structures or contents under the same ownership shall not exceed $7,500 for a weekly policy. For a monthly industrial fire policy, the maximum face amount covering a building or dw…

No such policy shall be issued except upon a weekly or monthly premium payment basis. No discount for premiums paid in advance shall exceed five percent (5%) for premiums paid for six (6) months in advance, or ten percent (10%) for premiums paid for twelve (12) months in advance.…

An insurer issuing an industrial fire policy may not use the caption "The Standard Fire Policy." When policy designation is made, the words "Industrial," "Monthly," "Weekly Premium," or "Home Service" must be incorporated as a part of such caption. All policies and endorsements a…

Rates for industrial fire and allied lines shall be filed directly with the Insurance Department and shall be approved and supervised as to both initial filings and subsequent changes as required by our fire rating law. Author: John Davis, Associate Counsel Notes Ala. Admin. Code…

(1) Every industrial fire insurer shall file annually on or before July 1 with this Department a statistical report showing a classification schedule of its premiums and losses covering the preceding year's industrial fire business in Alabama (2) Written premiums and paid losses,…

This chapter shall become effective upon its approval by the Commissioner of Insurance, and upon its having been on file as a public document in the office of the Secretary of State for ten days. Author: John Davis, Associate Counsel Notes Ala. Admin. Code r. 482-1-009-.07 New Ru…

(1) The Insurance Department of the State of Alabama hereby adopts the nationwide marine definition which has been accepted, approved, recommended, and adopted from time to time by the National Association of Insurance Commissioners. Each change in the definition adopted, approve…

This chapter is adopted pursuant to Section 27-2-17 and Chapter 12 of Title 27, beginning with Section 27-12-1, Code of Ala. 1975. Author: John Davis, Associate Counsel Notes Ala. Admin. Code r. 482-1-013-.01 New Rule: August 1, 1957; effective August 1, 1957. Revised: October 26…

Chapter 12 of the Alabama Insurance Code prohibits the transmitting or use of information in the form of advertisements or otherwise in such a manner or of such substance that the insurance-buying public may be deceived or misled. It is the purpose of this chapter to implement th…

The following definitions shall apply for the purposes of this chapter: (a) ADVERTISEMENT. Shall include all of the following:1. Printed and published material and descriptive literature of an insurer used in newspapers, magazines, radio and TV scripts, billboards and similar dis…

Advertisements shall be truthful and not misleading in fact or in implication. Words or phrases the meaning of which is clear only by implication or by familiarity with insurance terminology shall not be used. Author: John Davis, Associate Counsel Notes Ala. Admin. Code r. 482-1-…

(1) Deceptive Words, Phrases or Illustrations.(a) Words, phrases or illustrations shall not be used in a manner which misleads or has the capacity and tendency to deceive as to the extent of any policy benefit payable, loss covered or premium payable. An advertisement relating to…

An advertisement which refers to renewability, cancellability or termination of a policy, or which refers to a policy benefit, or which states or illustrates time or age in connection with eligibility of applicants or continuation of the policy, shall disclose the provisions rela…

All information required to be disclosed by this chapter shall be set out conspicuously and in close conjunction with the statements to which such information relates or under appropriate captions of such prominence that it shall not be minimized, rendered obscure or presented in…

Testimonials used in advertisements must be genuine, represent the current opinion of the author, be applicable to the policy advertised and be accurately reproduced. The insurer, in using a testimonial, makes as its own all of the statements contained therein, and the advertisem…

An advertisement relating to the dollar amounts of claims paid, the number of persons insured, or similar statistical information relating to any insurer or policy shall not be used unless it accurately reflects all of the relevant facts. Such an advertisement shall not imply tha…

An offer in an advertisement of inspection of a policy or offer of a premium refund is not a cure for misleading or deceptive statements contained in such advertisement. Author: John Davis, Associate Counsel Notes Ala. Admin. Code r. 482-1-013-.10 New Rule: August 1, 1957; effect…

(1) When a choice of the amount of benefits is referred to, an advertisement shall disclose that the amount of benefits provided depends upon the plan selected and that the premium will vary with the amount of the benefits. (2) When an advertisement refers to various benefits whi…

An advertisement shall not directly or indirectly make unfair or incomplete comparisons of policies or benefits or otherwise falsely disparage competitors, their policies, services or business methods. Author: John Davis, Associate Counsel Notes Ala. Admin. Code r. 482-1-013-.12 …

An advertisement which is intended to be seen or heard beyond the limits of the jurisdiction in which the insurer is licensed shall not imply licensing beyond those limits. Author: John Davis, Associate Counsel Notes Ala. Admin. Code r. 482-1-013-.13 New Rule: August 1, 1957; eff…

The identity of the insurer shall be made clear in all of its advertisements. An advertisement shall not use a trade name, service mark, slogan, symbol or other device which has the capacity and tendency to mislead or deceive as to the true identity of the insurer. Author: John D…

An advertisement of a particular policy shall not state or imply that prospective policyholders become group or quasi-group members and as such enjoy special rates or underwriting privileges, unless such is the fact. Author: John Davis, Associate Counsel Notes Ala. Admin. Code r.…

(1) An advertisement shall not state or imply that enrollment in a plan or under a policy is limited to a specific period unless the period of time to enroll is disclosed, or that a particular policy or combination of policies is an introductory, initial or special offer and that…

(1) An advertisement shall not state or imply that an insurer or a policy has been approved or an insurer's financial condition has been examined and found to be satisfactory by a governmental agency, unless such is the fact. (2) An advertisement shall not state or imply that an …

An advertisement shall not contain untrue statements with respect to the time within which claims are paid or statements which imply that claim settlements will be liberal or generous beyond the terms of the policy. Author: John Davis, Associate Counsel Notes Ala. Admin. Code r. …

An advertisement shall not contain statements which are untrue in fact or by implication misleading with respect to the insurer's assets, corporate structure, financial standing, age or relative position in the insurance business. Author: John Davis, Associate Counsel Notes Ala. …

(1) Interpretive Guidelines: Adoption by Commissioner. To facilitate compliance with this chapter, the Commissioner has adopted appropriate Interpretive Guidelines. Such Interpretive Guidelines shall be consistent, to the extent not inconsistent with the statutes of this State an…

This chapter supercedes all prior rules, regulations and bulletins of this Department on the subject matter of disability insurance advertisements to the extent that such prior rules, regulations and bulletins are inconsistent with this chapter. Author: John Davis, Associate Coun…

This chapter shall become effective upon its approval by the Commissioner of Insurance, and upon its having been on file as a public document in the office of the Secretary of State for ten days. Author: John Davis, Associate Counsel Notes Ala. Admin. Code r. 482-1-013-.22 New Ru…

This chapter is adopted pursuant to Section 27-2-17, Code of Ala. 1975. Author: Commissioner of Insurance Notes Ala. Admin. Code r. 482-1-017-.01 Effective August 1, 1957. Revised: March 1, 2001; effective April 1, 2001. Filed for codification in the Alabama Administrative Code b…

The following definitions shall apply for purposes of this chapter: (a) INSURANCE. A contract whereby one undertakes to indemnify another or pay or provide a specified amount or benefit upon determinable contingencies. Author: Commissioner of Insurance Notes Ala. Admin. Code r. 4…

(1) No such company shall issue policies or transact any business of insurance unless it shall hold a license from the Commissioner of Insurance authorizing the transaction of such business, which license shall not be issued until and unless the company shall comply with the foll…

If any provision of this chapter or the application thereof to any person or circumstances is for any reason held to be invalid, the remainder of the chapter and the application of its provisions to other persons or circumstances shall not be affected thereby. Author: Commissione…

The provisions of the chapter shall become effective April 1, 2001, upon its approval by the Commissioner of Insurance and upon its having been on file as a public document in the office of the Secretary of State for ten days. Author: Commissioner of Insurance Notes Ala. Admin. C…

This chapter is adopted pursuant to Section 27-2-17, Code of Ala. 1975. Author: Commissioner of Insurance Notes Ala. Admin. Code r. 482-1-024-.01 New Rule: July 1, 1999. Revised: April 21, 2003, Effective May 1, 2003. Filed with LRS April 21, 2003. Rule is not subject to the Alab…

Notes Ala. Admin. Code r. 482-1-024-.02 New Rule: May 28, 1999, Effective July 1, 1999. Revised: April 21, 2003, Effective May 1, 2003. Filed with LRS April 21, 2003. Rule is not subject to the Alabama Administrative Procedure Act. Repealed by Alabama Administrative Monthly Volum…

Notes Ala. Admin. Code r. 482-1-024-.03 New Rule: November 18, 1957, Effective November 18, 1957. Revised: June 20, 1977, Effective July 1, 1957. Revised: April 17, 1989, Effective April 28, 1989. Revised: May 28, 1999, Effective July 1, 1999. Revised: April 21, 2003, Effective M…

Notes Ala. Admin. Code r. 482-1-024-.04 New Rule: April 21, 2003, Effective May 1, 2003. Filed with LRS April 21, 2003. Rule is not subject to the Alabama Administrative Procedure Act. Repealed by Alabama Administrative Monthly Volume XLIII, Issue No. 03, December 31, 2024, eff. …

Notes Ala. Admin. Code r. 482-1-024-.05 New Rule: May 28, 1999, Effective July 1, 1999. Revised: April 21, 2003, Effective May 1, 2003. Filed with LRS April 21, 2003. Rule is not subject to the Alabama Administrative Procedure Act. Repealed by Alabama Administrative Monthly Volum…

Notes Ala. Admin. Code r. 482-1-024-.06 New Rule: May 28, 1999, Effective July 1, 1999. Revised: April 21, 2003, Effective May 1, 2003. Filed with LRS April 21, 2003. Rule is not subject to the Alabama Administrative Procedure Act. Repealed by Alabama Administrative Monthly Volum…

This chapter is adopted pursuant to Sections 27-2-17 and 27-10-1, et seq., Code of Ala. 1975. Notes Ala. Admin. Code r. 482-1-036-.01 New Rule: August 12, 2008; effective August 22, 2008. Filed with LRS August 13, 2008. Rule is not subject to the Alabama Administrative Procedure …