Connecticut Administrative Code

Regulations of Connecticut State AgenciesSec. 38a-819-21. PurposeThe purpose of these regulations is to set forth minimum standards and guidelines to assure a full and truthful disclosure to the public of all material and relevant information in the advertising of life insurance …

Regulations of Connecticut State AgenciesSec. 38a-819-22. DefinitionsFor the purpose of these regulations:A. \"Policy\" shall include any policy, plan, certificate, contract, agreement, statement of coverage, rider, or endorsement which provides for life insurance or annuity bene…

Regulations of Connecticut State AgenciesSec. 38a-819-23. ApplicabilityA. These regulations shall apply to any life insurance or annuity advertisement intended for dissemination in this state. B. Every insurer shall establish and at all times maintain a system of control over the…

Regulations of Connecticut State AgenciesSec. 38a-819-24. Form and content of advertisementsA. Advertisments shall be truthful and not misleading in fact or by implication. The form and content of an advertisement of a policy shall be sufficiently complete and clear so as to avoi…

Regulations of Connecticut State AgenciesSec. 38a-819-25. Disclosure requirementsA. The information required to be disclosed by these regulations shall not be minimized, rendered obscure, or presented in an ambiguous fashion or intermingled with the rest of the advertisement so a…

Regulations of Connecticut State AgenciesSec. 38a-819-26. Identity of insurerA. The name of the insurer shall be clearly identified and, if any specific individual policy is advertised, it shall be identified either by form number or other appropriate description. An advertisemen…

Regulations of Connecticut State AgenciesSec. 38a-819-27. Jurisdictional licensing and status of insurerA. 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 such limits. B…

Regulations of Connecticut State AgenciesSec. 38a-819-28. Statements about the insurerAn advertisement shall not contain statements, pictures, or illustrations which are false or misleading, in fact or by implication, with respect to the assets, liabilities, insurance in force, c…

Regulations of Connecticut State AgenciesSec. 38a-819-29. Enforcement procedureA. Each insurer shall maintain at its home or principal office a complete file containing a specimen copy of every printed, published, or prepared advertisement of its individual policies and specimen …

Regulations of Connecticut State AgenciesSec. 38a-819-3. DefinitionsA. An \"advertisement\" for the purpose of these regulations shall include: (1) printed and published material, audio visual material, and descriptive literature of an insurer used in direct mail, newspapers, mag…

Regulations of Connecticut State AgenciesSec. 38a-819-30. Filing for prior reviewThe Commissioner may, at his discretion, after reasonable notice to the insurer involved, require the filing with this Department, for review prior to use, of all advertising material proposed for us…

Regulations of Connecticut State AgenciesSec. 38a-819-31. Severability provisionIf any section or portion of a section of these regulations or the applicability thereof to any person or circumstance is held invalid by a court, the remainder of the regulations, or the applicabilit…

Regulations of Connecticut State AgenciesSec. 38a-819-32. AuthorityThis regulation is adopted and promulgated by the Insurance Commissioner pursuant to Section 38-64 of the General Statutes. (Effective September 25, 1992) AUTHORITY: Conn. Gen. Stat. § 38a-819 AUTHORITY: Conn. Gen…

Regulations of Connecticut State AgenciesSec. 38a-819-33. Purpose(A) The purpose of this regulation is to require insurers to deliver to purchasers of life insurance, information which will improve the buyer's ability to select the most appropriate plan of life insurance for his …

Regulations of Connecticut State AgenciesSec. 38a-819-34. Scope(A) Except as hereafter exempted, this regulation shall apply to any solicitation, negotiation, or procurement of life insurance occurring within this state. This regulation shall apply to any issuer of life insurance…

Regulations of Connecticut State AgenciesSec. 38a-819-35. DefinitionsFor the purposes of this regulation, the following definitions shall apply:(A) Buyer's guide. A Buyer's Guide is a document which contains, and is limited to, the language contained in the Appendix to this regul…

Regulations of Connecticut State AgenciesSec. 38a-819-36. Disclosure requirements(A) The insurer shall provide, to all prospective purchasers, a Buyer's Guide and a policy Summary prior to accepting the applicant's initial premium or premium deposit, unless the policy for which a…

Regulations of Connecticut State AgenciesSec. 38a-819-37. General rules(A) Each insurer shall maintain at its home office or principal office, a complete file containing one copy of each document authorized by the insurer for use pursuant to this regulation. Such file shall conta…

Regulations of Connecticut State AgenciesSec. 38a-819-38. Failure to complyFailure of an insurer to provide or deliver a Buyer's Guide, or a Policy Summary as provided in Sec. 38-64-36 shall constitute an omission which misrepresents the benefits, advantages, conditions, or terms…

Regulations of Connecticut State AgenciesSec. 38a-819-39. Effective dateThis regulation shall apply to all solicitations of life insurance which commence on or after January 1, 1978. (Effective September 25, 1992) AUTHORITY: Conn. Gen. Stat. § 38a-819 AUTHORITY: Conn. Gen. Stat. …

Regulations of Connecticut State AgenciesSec. 38a-819-4. Method of disclosure of required informationAll information required to be disclosed by these regulations shall be set out conspicuously and in close conjunction with the statements to which such information relates or unde…

Regulations of Connecticut State AgenciesSec. 38a-819-40to38a-819-49. Reserved AUTHORITY: Conn. Gen. Stat. § 38a-819 AUTHORITY: Conn. Gen. Stat. § 38a-819

Regulations of Connecticut State AgenciesSec. 38a-819-5. Form and content of advertisementsA. The format and content of an advertisement of an accident or sickness insurance policy shall be sufficiently complete and clear to avoid deception or the capacity or tendency to mislead …

Regulations of Connecticut State AgenciesSec. 38a-819-50. AuthorityThese regulations are authorized under the provisions of Section 38-64 of the General Statutes. (Effective September 25, 1992) AUTHORITY: Conn. Gen. Stat. § 38a-819 AUTHORITY: Conn. Gen. Stat. § 38a-819

Regulations of Connecticut State AgenciesSec. 38a-819-51. Content of complaint recordSection 38a-819-55 of these regulations sets forth the minimum information required to be obtained in a person's complaint record in order for it to comply with Section 38a-816 (7) of the Connect…

Regulations of Connecticut State AgenciesSec. 38a-819-52. Format of complaint recordSection 38a-819-55 of these regulations is the suggested format for the complaint record required to be maintained by Section 38a-816 (7) of the Connecticut General Statutes, and this regulation. …

Regulations of Connecticut State AgenciesSec. 38a-819-53. Maintenance of the recordThe complaint record shall be kept on a calendar year basis and the number of complaints by line of insurance, function, reason, disposition, and state of origin shall be compiled not less frequent…

Regulations of Connecticut State AgenciesSec. 38a-819-54. DefinitionsAs used herein: (a) \"person\" shall have the meaning set forth in Section 38-60 of the Connecticut General Statutes; (b) \"compaint\" shall mean a written communication primarily expressing a grievance; (c) \"i…

Regulations of Connecticut State AgenciesSec. 38a-819-55. Complaint record > (Effective September 25, 1992) AUTHORITY: Conn. Gen. Stat. § 38a-819

Regulations of Connecticut State AgenciesSec. 38a-819-56. Explanation of CodesCol. A. Company Identification Number. As noted, this refers to the identification number of the complaint and shall also include the license number of other means of identifying any licensee of the Ins…

Regulations of Connecticut State AgenciesSec. 38a-819-57. Effective dateThese regulations shall be effective on January 1, 1978.(Effective September 25, 1992) AUTHORITY: Conn. Gen. Stat. § 38a-819

Regulations of Connecticut State AgenciesSec. 38a-819-58. Applicability and scopeSections 38a-819-58 to 38a-819-69, inclusive, of the regulations of Connecticut State Agencies apply to all group and individual life insurance policies and certificates except: (1) Variable life ins…

Regulations of Connecticut State AgenciesSec. 38a-819-59. DefinitionsAs used in sections 38a-819-58 to 38a-819-69, inclusive, of the regulations of Connecticut State Agencies: (1) \"Actuarial Standards Board\" means the board established by the American Academy of Actuaries to de…

Regulations of Connecticut State AgenciesSec. 38a-819-6. Advertisements of benefits payable, losses covered or premiums payableA. Deceptive words, phrases, or illustrations prohibited.(1) No advertisement shall omit information or use words, phrases, statements, references or ill…

Regulations of Connecticut State AgenciesSec. 38a-819-60. Policies to be illustrated(a) Each insurer marketing policies to which sections 38a-819-58 to 38a-819-69, inclusive, of the regulations of Connecticut State Agencies are applicable shall notify the commissioner whether a p…

Regulations of Connecticut State AgenciesSec. 38a-819-61. General rules and prohibitions(a) An illustration used in the sale of a life insurance policy shall satisfy the applicable requirements of sections 38a-819-58 to 38a-819-69, inclusive, of the regulations of Connecticut Sta…

Regulations of Connecticut State AgenciesSec. 38a-819-62. Standards for basic illustrations(a) Format. A basic illustration shall conform with the following requirements: (1) The illustration shall be labeled with the date on which it was prepared.(2) Each page, including any exp…

Regulations of Connecticut State AgenciesSec. 38a-819-63. Standards for supplemental illustrations(a) A supplemental illustration may be provided so long as: (1) It is appended to, accompanied by or preceded by a basic illustration that complies with sections 38a-819-58 to 38a-81…

Regulations of Connecticut State AgenciesSec. 38a-819-64. Delivery of illustrations and record retention(a) (1) If a basic illustration is used by an insurance producer or other authorized representative of the insurer in the sale of a life insurance policy and the policy is appl…

Regulations of Connecticut State AgenciesSec. 38a-819-65. Annual report; notice to policy owners(a) In the case of a policy designated as one for which illustrations will be used, the insurer shall provide each policy owner with an annual report on the status of the policy that s…

Regulations of Connecticut State AgenciesSec. 38a-819-66. Annual certifications(a) The board of directors of each insurer shall appoint one or more illustration actuaries.(b) The illustration actuary shall certify that the disciplined current scale used in illustrations is in con…

Regulations of Connecticut State AgenciesSec. 38a-819-67. Reserved for future use AUTHORITY: Conn. Gen. Stat. § 38a-819 AUTHORITY: Conn. Gen. Stat. § 38a-819

Regulations of Connecticut State AgenciesSec. 38a-819-68. SeparabilityIf any provision of sections 38a-819-58 to 38a-819-69, inclusive, of the regulations of Connecticut State Agencies or the application thereof to any person or circumstance is for any reason held to be invalid, …

Regulations of Connecticut State AgenciesSec. 38a-819-69. Effective dateSections 38a-819-58 to 38a-819-69, inclusive, of the regulations of Connecticut State Agencies shall become effective January 1, 1999 and shall apply to policies sold on or after the effective date. (Adopted …

Regulations of Connecticut State AgenciesSec. 38a-819-7. Necessity for disclosing policy provisions relating to renew-ability, cancellability and terminationWhen an advertisement which is an invitation to contract refers to either a dollar amount or a period of time for which any…

Regulations of Connecticut State AgenciesSec. 38a-819-70. Purpose(a) The purpose of sections 38a-819-70 to 38a-819-75, inclusive, of the Regulations of Connecticut State Agencies is to set forth standards to protect service members of the United States Armed Forces from dishonest…

Regulations of Connecticut State AgenciesSec. 38a-819-71. ScopeSections 38a-819-70 to 38a-819-75, inclusive, of the Regulations of Connecticut State Agencies shall apply to the solicitation or sale of any life insurance or annuity product by an insurer or insurance producer to an…

Regulations of Connecticut State AgenciesSec. 38a-819-72. ExemptionsSections 38a-819-70 to 38a-819-75, inclusive, of the Regulations of Connecticut State Agencies shall not apply to solicitations or sales involving: (1) Credit insurance;(2) Group life insurance or group annuities…

Regulations of Connecticut State AgenciesSec. 38a-819-73. DefinitionsAs used in sections 38a-819-70 to 38a-819-75, inclusive, of the Regulations of Connecticut State Agencies: (1) \"Active Duty\" means full-time duty in the active military service of the United States and include…

Regulations of Connecticut State AgenciesSec. 38a-819-74. Practices declared false, misleading, deceptive or unfair(a) The following acts or practices when committed on a military installation by an insurer or insurance producer with respect to the in-person, face-to-face solicit…