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New Hampshire Statutes, Title XXXVII

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New Hampshire/Statutes

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Title XXXVII, Insurance

116 chapters · 1,704 sections in this title.

All chapters in Title XXXVII1,704 Ch 41590 Ch 40265 Ch 402-C61 Ch 420-J60 Ch 40558 Ch 400-A54 Ch 41247 Ch 420-B47 Ch 420-A42 Ch 411-A38 Ch 40837 Ch 41837 Ch 420-D35 Ch 41732

13 sections·Filtered byTitle XXXVII✕Ch 409✕

RSA 409:1 Short Title
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This chapter shall be known as the Standard Nonforfeiture Law For Life Insurance.
RSA 409:1-a Definition
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In this chapter, "operative date of the valuation manual" means the January 1 of the first calendar year that the valuation manual as defined in RSA 410:2, XII is effective.
RSA 409:2 Nonforfeiture Provisions Required
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I. In the case of policies issued on and after the operative date as defined in RSA 409:8, no policy of life insurance, except as stated in RSA 409:7, shall be delivered or issued for delivery in this state unless it shall contain in substance the following provisions, or corresp…
RSA 409:3 Minimum Cash Surrender Values
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I. Any cash surrender value available under the policy in the event of default in a premium payment due on any policy anniversary, whether or not required by RSA 409:2, shall be an amount not less than the excess, if any, of the present value, on such anniversary, of the future g…

RSA 409:4 Minimum Nonforfeiture Benefits

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Any paid-up nonforfeiture benefit available under the policy in the event of default in a premium payment due on any policy anniversary shall be such that its present value as of such anniversary shall be at least equal to the cash surrender value then provided for by the policy …

RSA 409:5 Adjusted Premiums

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I. This section shall not apply to policies issued on or after the operative date of RSA 409:5-b as defined in that section. Except as provided in paragraph III of this section, the adjusted premiums for any policy shall be calculated on an annual basis and shall be such uniform …

RSA 409:5-a Adjusted Premiums After Certain Dates

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I. This paragraph shall not apply to ordinary policies issued on or after the operative date of RSA 409:5-b as defined in that section. In the case of ordinary policies issued on or after the operative date of this paragraph as defined in this paragraph, all adjusted premiums and…

RSA 409:5-b Adjusted Premium After Later Dates

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I. This section shall apply to all policies issued on or after the operative date of this section as defined in this section. Except as provided in paragraph VII of this section, the adjusted premiums for any policy shall be calculated on an annual basis and shall be such uniform…

RSA 409:5-c Commissioner's Authority to Approve Certain Plans

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In the case of any plan of life insurance which provides for future premium determination, the amounts of which are to be determined by the insurance company based on then estimates of future experience, or in the case of any plan of life insurance which is of such a nature that …

RSA 409:6 Method of Calculating Cash Surrender Values and Nonforfeiture Benefits

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Any cash surrender value and any paid-up nonforfeiture benefit, available under the policy in the event of default in a premium payment due at any time other than on the policy anniversary shall be calculated with allowance for the lapse of time and the payment of fractional prem…

RSA 409:6-a Additional Standards

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I. This section, in addition to all other applicable sections of this chapter, shall apply to all policies issued on or after January 1, 1985. Any cash surrender value available under the policy in the event of default in a premium payment due on any policy anniversary shall be i…

RSA 409:7 Chapter Not Applicable to Certain Contracts

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I. This chapter shall not apply to any of the following: (a) Reinsurance; (b) Group insurance; (c) Pure endowment; (d) Annuity or reversionary annuity contract; (e) Term policy of uniform amount, which provides no guaranteed nonforfeiture or endowment benefits, or renewal thereof…

RSA 409:8 Operative Date Defined

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Except as otherwise provided in RSA 409:5-a and 5-b, any life insurance company authorized to do business in this state may file with the insurance commissioner a written notice of its intention to comply with the provisions of this chapter on and after a specified date prior to …