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California Statutes, Title INS

California/Statutes

← All California coverage

Title INS, California Ins. Code

127 chapters · 4,511 sections in this title.

All chapters in Title INS4,511 Ch 1, Classes of Insurance1,587 Ch 5, The Premium469 Ch 2, Parties, Events, and Interests462 Ch 4, The Policy367 Ch 3, Negotiations Before Execution268 Ch 10, Cancellation or Failure to Renew142 Ch 6, Loss130 Ch 9, Rescission129 Ch 8, Reinsurance116 Ch 12, Prohibition of Discriminatory Practi…113 Ch 7, Double Insurance94 Ch 2.6, Long-Term Care Insurance87 Ch 8.6, California Earthquake Authority52

469 sections·Filtered byTitle INS✕Ch 5✕

Ins. Code § 10509.9202 Section 10509.9202
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Unless otherwise specifically included, this article shall not apply to transactions involving any of the following: (a) Direct response solicitations where there is no recommendation based on information collected from the consumer pursuant to this article. (b) Contracts used to…
Ins. Code § 10509.9203 Section 10509.9203
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(a) For purposes of this article: (1) “Annuity” means an annuity that is an insurance product under California law that is individually solicited, whether the product is classified as an individual or group annuity. (2) “Cash compensation” means any discount, concession, fee, ser…
Ins. Code § 10509.9204 Section 10509.9204
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Insurers and producers have the following duties to ensure that annuities that are recommended are in the consumer’s best interest: (a) Best Interest Obligations. A producer, when making a recommendation of an annuity, shall act in the best interest of the consumer under the circ…
Ins. Code § 10509.9205 Section 10509.9205
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(a) A producer shall not solicit the sale of an annuity product unless the producer has adequate knowledge of the product to recommend the annuity and the producer is in compliance with the insurer’s standards for product training. A producer may rely on insurer-provided product-…

Ins. Code § 10509.9206 Section 10509.9206

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(a) An insurer is responsible for compliance with this article. If a violation occurs, either because of the action or inaction of the insurer or its producer, the commissioner may, in addition to any other available penalties, remedies, or administrative actions, order any or al…

Ins. Code § 10509.9207 Section 10509.9207

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(a) Insurers, general agents, independent agencies, and producers shall maintain or be able to make available to the commissioner records of the information collected from the consumer and other information used in making the recommendations that were the basis for insurance tran…

Ins. Code § 10509.9208 Section 10509.9208

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The commissioner shall, from time to time as conditions warrant, after notice and hearing, adopt reasonable rules and regulations, and amendments and additions thereto, as are necessary to administer this article. The commissioner may adopt regulations not inconsistent with this …

Ins. Code § 10509.9209 Section 10509.9209

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(a) A life insurer shall provide to all consumers who purchase an annuity a buyer’s guide that shall be delivered as a stand-alone document with the annuity or before delivery of the annuity. (b) For the purposes of this section, “buyer’s guide” means the National Association of …

Ins. Code § 10509.9210 Section 10509.9210

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This article shall apply only to sales or recommendations of annuities made on or after January 1, 2025. (Added by Stats. 2024, Ch. 2, Sec. 6. (SB 263) Effective January 1, 2025.)

Ins. Code § 7040 Section 7040

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Notwithstanding the provisions of Section 900 of the Corporations Code, any two or more of such insurers may merge. The plan and agreement by which any such merger is to be effected shall be submitted to the commissioner who shall examine the same and may require such provisions …

Ins. Code § 7041 Section 7041

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When any such plan and agreement shall have been approved by the commissioner, with changes, if any required by him, the same shall be approved by a vote of not less than two-thirds of the members voting at a meeting of the members of each such insurer involved at which there sha…

Ins. Code § 7042 Section 7042

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If the vote is in the affirmative a certified copy of all proceedings relating to the proposed merger shall be filed with the commissioner. If the commissioner finds that the proceedings have been in accordance with the law and his or her requirements, he or she shall issue his o…

Ins. Code § 7043 Section 7043

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After any merger made under the provisions of this article shall have been completed, the surviving corporation shall be deemed, for the purpose of the territorial limit provided in Section 6048, to have been organized not only in its county of organization but also in the county…

Ins. Code § 7044 Section 7044

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Any plan of merger under this article shall provide that all rights and properties of the parties to the plan of merger shall accrue to and become the rights and properties of the surviving corporation, which surviving corporation shall succeed to and assume all the obligations a…

Ins. Code § 7044.5 Section 7044.5

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Any one or more county mutual fire insurers, by following the procedure of this article, may merge into a general mutual insurer described in Chapter 4 (commencing with Section 4010) of Part 1, Division 2 of this code. Such general mutual insurer shall become the surviving corpor…

Ins. Code § 7045 Section 7045

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The board of directors of any county mutual fire insurer that desires to commence proceedings for transformation of that insurer to a general mutual insurer shall adopt a resolution to that effect and submit to the commissioner a plan for effecting that transformation accompanied…

Ins. Code § 7046 Section 7046

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After the commissioner has granted tentative approval of any such application, a county mutual fire insurer that shall meet the financial requirements applicable to other insurers under Article 3 (commencing with Section 699), Chapter 1, Part 2, Division 1, may by the majority vo…

Ins. Code § 7047 Section 7047

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The meeting called for the purpose of transformation, shall be preceded by a written or printed notice of the meeting and its purpose addressed to each policyholder of record on the date of the notice, mailed at least 30 days before that date fixed for the meeting. The presence i…

Ins. Code § 7048 Section 7048

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Such corporation shall be a continuance of the original corporation by the same name or by any other name approved by the commissioner. Such transformation, however, shall in no way annul, modify or change any of the existing contracts and liabilities of such corporations, and an…

Ins. Code § 7049 Section 7049

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After the policyholders have elected such a transformation a county mutual insurer shall submit to the insurance commissioner for final approval of the transformation a certified copy of all proceedings together with an application for a new certificate of authority accompanied b…

Ins. Code § 1749 Section 1749

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(a) The department shall require all new applicants for license to meet prelicensing education standards as follows: (1) An applicant for license as a property broker-agent, casualty broker-agent, life agent, accident and health or sickness agent, personal lines broker-agent, or …

Ins. Code § 1749.01 Section 1749.01

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Sections 1749 and 1749.3 shall not apply to a life agent who is limited by the terms of a written agreement with the insurer, which filed on that life agent’s behalf a notice of appointment with the commissioner, to transact only specific life insurance policies or annuities that…

Ins. Code § 1749.02 Section 1749.02

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“Twenty-four hour coverage” is the joint issuance of a workers’ compensation policy with a disability insurance policy, health care service plan contract, or other medical insurance coverage for nonoccupational injuries and illnesses. This product shall not include a life insuran…

Ins. Code § 1749.1 Section 1749.1

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(a) The commissioner shall appoint a curriculum board consisting of representatives of insurance agents, brokers, and life agents trade associations, representatives of insurance companies, consumer groups, bail agents, and independent and public insurance adjusters to develop th…

Ins. Code § 1749.2 Section 1749.2

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The purpose of Sections 1749.3 to 1749.6, inclusive, is to establish requirements and standards for continuing education programs for persons licensed as property broker-agents, casualty broker-agents, and life agents. Sections 1749.3 to 1749.6, inclusive, shall not apply to eith…

Ins. Code § 1749.3 Section 1749.3

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An individual licensed as a life agent or an accident and health or sickness agent and also licensed as a property or casualty broker-agent, or an individual only licensed as a property or casualty broker-agent, shall complete those courses, programs of instruction, or seminars a…

Ins. Code § 1749.31 Section 1749.31

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(a) An individual licensed as a personal lines broker-agent shall complete required continuing education courses, programs of instruction, or seminars approved by the commissioner. The personal lines broker-agent shall complete 24 hours, of which three hours shall be in ethics, d…

Ins. Code § 1749.32 Section 1749.32

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(a) An individual licensed as a limited lines automobile insurance agent shall complete required continuing education courses, programs of instruction, or seminars approved by the commissioner. The minimum number of hours required is 20 hours, of which three hours shall be in eth…

Ins. Code § 1749.33 Section 1749.33

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(a) A life agent licensee shall satisfactorily complete 24 hours of instruction, of which three hours shall be in ethics, prior to renewal of the license. On and after March 1, 2023, the three-hour ethics course shall include one hour of study on insurance fraud. These hours of i…

Ins. Code § 1749.4 Section 1749.4

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The courses or programs of instruction successfully completed that shall be deemed to meet the standards for continuing educational requirements, and the number of classroom hours for which they are equivalent, are as follows: (a) Any part of the Life Underwriter Training Council…

Ins. Code § 1749.5 Section 1749.5

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(a) A person teaching any approved course of instruction or lecturing at any approved seminar shall qualify for the same number of classroom hours as would be granted to a person taking and successfully completing that course, seminar, or program, except that such person shall qu…

Ins. Code § 1749.6 Section 1749.6

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A person failing to meet the requirements imposed by Section 1749.3 or 1749.31, and who has not been granted an extension of time within which to comply by the commissioner shall have that individual’s license automatically terminated until the time that the person demonstrates t…

Ins. Code § 1749.7 Section 1749.7

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The commissioner may, pursuant to Chapter 3.5 (commencing with Section 11340) of Part 1 of Division 3 of Title 2 of the Government Code, adopt reasonable rules and regulations necessary for the convenient administration of this article. (Added by Stats. 1990, Ch. 1420, Sec. 65. O…

Ins. Code § 1749.8 Section 1749.8

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(a) Every life agent who sells annuities shall satisfactorily complete eight hours of training prior to soliciting individual consumers in order to sell annuities. (b) Every life agent who sells annuities shall satisfactorily complete four hours of training prior to each license …

Ins. Code § 1749.81 Section 1749.81

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(a) A life agent licensed on or after January 1, 2024, who sells individual life insurance policies other than term life with no cash value shall satisfactorily complete four hours of training before soliciting individual consumers to sell those life insurance policies. (b) A lif…

Ins. Code § 1749.85 Section 1749.85

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(a) The curriculum committee shall, in 2006, make recommendations to the commissioner to instruct property broker-agents, casualty broker-agents, and personal lines broker-agents and applicants for property broker-agent, casualty broker-agent, and personal lines broker-agent lice…

Ins. Code § 1749.9 Section 1749.9

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Nothing in this article shall require any person exempted from licensure by Section 1634 or 1635 to hold a license as required by Section 1631. (Added by Stats. 1991, Ch. 1040, Sec. 17.)

Ins. Code § 1757.1 Section 1757.1

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A limited license may be issued to a natural person or to an organization who or which acts as an agent on behalf of a cargo owner, a cargo shipper, or both. The limited license shall authorize the agent of the cargo owner, cargo shipper, or both to procure cargo insurance only o…

Ins. Code § 1757.2 Section 1757.2

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A limited cargo shipper’s license shall be applied for and renewed in the same manner as is provided in this chapter for a licensee to act as a property broker-agent or a casualty broker-agent, except that an applicant for a limited license as a cargo shipper’s agent need not pas…

Ins. Code § 1757.3 Section 1757.3

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The commissioner may make reasonable rules and regulations necessary for the convenient administration of the provisions of this article respecting the licensing and renewal of licenses of cargo shippers’ agents. (Added by Stats. 1993, Ch. 515, Sec. 2. Effective January 1, 1994.)…

Ins. Code § 1758.6 Section 1758.6

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No portable electronics vendor shall offer or sell any form of portable electronics insurance in this state unless that person is licensed as an insurance agent or broker pursuant to Article 3 (commencing with Section 1631) or has complied with the requirements of this article an…

Ins. Code § 1758.61 Section 1758.61

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The commissioner may issue to an applicant that has complied with the requirements of this article a portable electronics insurance agent license that authorizes the licensee and its endorsees to offer or sell insurance in connection with, and incidental to, the sale of portable …

Ins. Code § 1758.62 Section 1758.62

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(a) An applicant for a portable electronics insurance agent license under this article shall submit all of the following to the commissioner: (1) A written application for licensure, signed by the applicant or an officer of the applicant, in the form prescribed by the commissione…

Ins. Code § 1758.63 Section 1758.63

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An endorsee of a portable electronics vendor that has been issued a portable electronics insurance agent license pursuant to this article may sell or offer insurance products under the authority of the vendor’s portable electronics insurance agent license if all of the following …

Ins. Code § 1758.64 Section 1758.64

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An endorsee may act on behalf of and under the supervision of the portable electronics insurance agent in matters relating to transacting insurance under that agent’s license. The conduct of an endorsee of a portable electronics insurance agent acting within the scope of employme…

Ins. Code § 1758.65 Section 1758.65

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(a) If a licensee or endorsee violates any provision of this article or any other provision of this code, the commissioner may do any of the following: (1) After notice and hearing, suspend or revoke the license of the portable electronics insurance agent. (2) After notice and he…

Ins. Code § 1758.66 Section 1758.66

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A portable electronics insurance agent shall not sell insurance pursuant to this article by unsolicited telephone calls or otherwise unless, at the time of sale, or reasonably thereafter with respect to a sale or enrollment occurring by telephone, all of the following conditions …

Ins. Code § 1758.661 Section 1758.661

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Charges for portable electronics insurance may be billed and collected by a portable electronics insurance agent licensee. A licensee shall not be required to maintain those funds in a segregated account if the insurer represented by the licensee has provided in writing that the …

Ins. Code § 1758.67 Section 1758.67

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Under the authority of the portable electronics insurance agent license, a portable electronics insurance agent shall not do any of the following: (a) Offer to sell insurance except in conjunction with, and incidental to, the business of selling portable electronics, their access…

Ins. Code § 1758.68 Section 1758.68

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Any insurer that provides insurance to be sold by an organization licensed as a portable electronics insurance agent shall file a copy of any individual policy issued to a purchaser, or any policy or certificate issued under a group or master policy to an organization licensed as…