Title 18 — Insurance Code
83 chapters · 1,008 sections in this title.
18 Del. C. § 3101. Group policies must meet group requirements.
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§ 3101. Group policies must meet group requirements. Except as provided in § 3109 of this title, no policy of group life insurance shall be delivered in this State unless it conforms to 1 of the descriptions contained in §§ 3102-3108 of this title.18 Del. C. 1953, § 3102; 56 Del.…
18 Del. C. § 3102. Employee groups.
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§ 3102. Employee groups. A policy may be issued to an employer, or to the trustees of a fund established by an employer, which employer or trustees shall be deemed the policyholder, to insure employees of the employer for the benefit of persons other than the employer, subject to…
18 Del. C. § 3103. Debtor groups.
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§ 3103. Debtor groups. A policy may be issued to a creditor or its parent holding company or to a trustee or trustees or agent designated by 2 or more creditors, which creditor, holding company, affiliate, trustee, trustees or agent shall be deemed the policyholder, to insure deb…
18 Del. C. § 3104. Labor union, employee organization groups.
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§ 3104. Labor union, employee organization groups. A policy may be issued to a labor union, or similar employee organization, which shall be deemed to be the policyholder, to insure members of such union or organization for the benefit of persons other than the union or organizat…
18 Del. C. § 3105. Trustee groups.
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§ 3105. Trustee groups. A policy may be issued to a trust, or to the trustee or trustees of a fund, established or adopted by 2 or more employers, or by 1 or more labor unions or similar employee organizations, or by 1 or more employers and 1 or more labor unions or similar emplo…
18 Del. C. § 3106. Association groups.
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§ 3106. Association groups. A policy may be issued to an association or to a trust or to the trustee or trustees of a fund established, created or maintained for the benefit of members of 1 or more associations. The association or associations shall have at the outset a minimum o…
18 Del. C. § 3107. Credit union groups.
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§ 3107. Credit union groups. A policy may be issued to a credit union or to a trustee or trustees or agent designated by 2 or more credit unions, which credit union, trustee, trustees or agent shall be deemed the policyholder, to insure members of such credit unions for the benef…
18 Del. C. § 3108. Discretionary groups.
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§ 3108. Discretionary groups. A policy may be issued to any other substantially similar group which, in the discretion of the Commissioner, may be subject to the issuance of a group life policy or contract.65 Del. Laws, c. 480, § 1;
18 Del. C. § 3109. Requirements for other groups; out-of-state groups.
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§ 3109. Requirements for other groups; out-of-state groups. (a) Group life insurance offered to a resident of this State under a group life insurance policy issued to a group other than those described in §§ 3102-3108 of this title shall be subject, where applicable, to the requi…
18 Del. C. § 3110. Disclosure requirements for other groups.
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§ 3110. Disclosure requirements for other groups. (a) With respect to a program of insurance which if issued on a group basis would not qualify under §§ 3102-3108 of this title, if compensation of any kind will or may be paid to: (1) A policyholder or sponsoring or endorsing enti…
18 Del. C. § 3111. Dependents’ coverage.
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§ 3111. Dependents’ coverage. Except for a policy issued under § 3103 of this title, a group life insurance policy may be extended to insure the employees or members with respect to their family members or dependents, or any class or classes thereof, subject to the following: (1)…
18 Del. C. § 3112. Group life insurance standard provisions.
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§ 3112. Group life insurance standard provisions. No policy of group life insurance shall be delivered in this State unless it contains in substance the provisions set forth in §§ 3113-3127 of this title or provisions which in the opinion of the Commissioner are more favorable to…
18 Del. C. § 3113. Grace period.
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§ 3113. Grace period. A group life insurance policy shall contain a provision that the policyholder is entitled to a grace period of 31 days for the payment of any premium due except the first, during which grace period the death benefit coverage shall continue in force, unless t…
18 Del. C. § 3114. Incontestability.
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§ 3114. Incontestability. A group life insurance policy shall contain a provision that the validity of the policy shall not be contested except for nonpayment of premiums, after it has been in force for 2 years from its date of issue; and that no statement made by any person insu…
18 Del. C. § 3115. Application; statements deemed representations.
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§ 3115. Application; statements deemed representations. A group life insurance policy shall contain a provision that a copy of the application, if any, of the policyholder shall be attached to the policy when issued, that all statements made by the policyholder or by the persons …
18 Del. C. § 3116. Insurability.
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§ 3116. Insurability. A group life insurance policy shall contain a provision setting forth the conditions, if any, under which the insurer reserves the right to require a person eligible for insurance to furnish evidence of individual insurability satisfactory to the insurer as …
18 Del. C. § 3117. Misstatement of age.
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§ 3117. Misstatement of age. A group life insurance policy shall contain a provision specifying an equitable adjustment of premiums or of benefits or of both to be made in the event the age of a person insured has been misstated, such provision to contain a clear statement of the…
18 Del. C. § 3118. Payment of benefits.
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§ 3118. Payment of benefits. A group life insurance policy shall contain a provision that any sum becoming due by reason of the death of the person insured shall be payable to the beneficiary designated by the person insured, except that where the policy contains conditions perta…
18 Del. C. § 3119. Certificate.
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§ 3119. Certificate. A group life insurance policy shall contain a provision that the insurer will issue to the policyholder for delivery to each person insured a certificate setting forth a statement as to the insurance protection to which he or she is entitled, to whom the insu…
18 Del. C. § 3120. Conversion on termination of eligibility.
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§ 3120. Conversion on termination of eligibility. (a) A group life insurance policy shall contain a provision that if the insurance, or any portion of it, on a person covered under the policy or on the dependent of a person covered, ceases because of termination of employment or …
18 Del. C. § 3121. Conversion on termination of policy.
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§ 3121. Conversion on termination of policy. A group life insurance policy shall contain a provision that if the group policy terminates or is amended so as to terminate the insurance of any class of insured person, every person insured thereunder at the date of such termination …
18 Del. C. § 3122. Death pending conversion.
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§ 3122. Death pending conversion. A group life insurance policy shall contain a provision that if a person insured under the group policy, or the insured dependent of a covered person, dies during the period within which the individual would have been entitled to have an individu…
18 Del. C. § 3123. Disability provision.
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§ 3123. Disability provision. Where active employment is a condition of insurance, the group life insurance policy shall contain a provision that an insured may continue coverage during the insured’s total disability by timely payment to the policyholder of that portion, if any, …
18 Del. C. § 3124. Information to debtors.
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§ 3124. Information to debtors. In the case of a policy insuring the lives of debtors, such a group life insurance policy shall contain a provision that the insurer will furnish to the policyholder for delivery to each debtor insured under the policy a certificate of insurance de…
18 Del. C. § 3125. Notice as to conversion right.
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§ 3125. Notice as to conversion right. If any individual insured under a group life insurance policy hereafter delivered in this State becomes entitled under the terms of such policy to have an individual policy of life insurance issued without evidence of insurability, subject t…
18 Del. C. § 3126. Readjustment of premium.
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§ 3126. Readjustment of premium. Any group life insurance contract may provide for a readjustment of the premium rate based upon the experience thereunder.18 Del. C. 1953, § 3124; 56 Del. Laws, c. 380, § 1; 65 Del. Laws, c. 480, § 1;
18 Del. C. § 3127. Application of dividends; rate deduction.
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§ 3127. Application of dividends; rate deduction. If a policy dividend is hereafter declared or a reduction in rate is hereafter made or continued for the first or any subsequent year of insurance under any policy of group life insurance heretofore or hereafter issued to any poli…
18 Del. C. § 3128. Notification and reasons for cancellation [For application of this section, see 79 Del. Laws, c. 390, § 8].
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§ 3128. Notification and reasons for cancellation [For application of this section, see 79 Del. Laws, c. 390, § 8]. A notice of cancellation of group life insurance coverage by an insurer due to nonpayment of premiums shall be in writing, shall be delivered to the policyholder or…