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Ohio Statutes, Title 39

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Title 39, Title 39. Insurance

43 chapters · 1,367 sections in this title.

All chapters in Title 391,367 Ch 3901, Chapter 3901 | Superintendent Of Ins…150 Ch 3905, Chapter 3905 | Insurance Producers L…123 Ch 3923, Chapter 3923 | Sickness And Accident…109 Ch 3903, Chapter 3903 | Reserve Valuation; Re…92 Ch 3929, Chapter 3929 | Domestic And Foreign …77 Ch 3941, Chapter 3941 | Operation Of Mutual I…51 Ch 3937, Chapter 3937 | Casualty Insurance; M…50 Ch 3921, Chapter 3921 | Fraternal Benefit Soc…43 Ch 3919, Chapter 3919 | Mutual Protective Ins…40 Ch 3925, Chapter 3925 | Domestic Insurance Co…36 Ch 3953, Chapter 3953 | Title Insurance36 Ch 3924, Chapter 3924 | Small Employer Health…33 Ch 3964, Chapter 3964 | Captive Insurance Com…33 Ch 3902, Chapter 3902 | Insurance Policies An…32

27 sections·Filtered byTitle 39✕Ch 3915✕

Ohio Rev. Code Ann. § 3915.01 Company defined
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As used in this chapter, "company" includes corporations and associations.
Ohio Rev. Code Ann. § 3915.02 Application of law
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This chapter does not apply to annuities except as provided in sections 3915.051, 3915.073, 3915.14, and 3915.21 to 3915.24 of the Revised Code, industrial policies except as provided in sections 3915.07 and 3915.071 of the Revised Code, fraternal benefit societies, corporations …
Ohio Rev. Code Ann. § 3915.03 Unauthorized policies not to be issued
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No policy of life insurance shall be issued or delivered in this state, and no policy of life insurance of a life insurance company organized under the laws of this state shall be issued, unless it meets the requirements of this chapter.
Ohio Rev. Code Ann. § 3915.04 Preliminary term insurance
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Life insurance policies may provide for not more than one year preliminary term insurance by incorporation therein of the following clause immediately preceding the "change of beneficiary" clause: "The first year's insurance under this policy is term insurance."If the premium cha…

Ohio Rev. Code Ann. § 3915.05 Policy provisions to be included

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No policy of life insurance shall be issued or delivered in this state or be issued by a life insurance company organized under the laws of this state unless such policy contains: (A) A provision that all premiums shall be payable in advance, either at the home office of the comp…

Ohio Rev. Code Ann. § 3915.051 Policy loan interest rates

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(A) As used in this section:(1) "Published monthly average" means:(a) "Moody's corporate bond yield average -- monthly average corporates" as published by Moody's investors service, inc., or any successor thereto; or(b) In the event that "Moody's corporate bond yield average -- m…

Ohio Rev. Code Ann. § 3915.052 Interest payable on policy proceeds

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(A) On and after January 1, 1993, any life insurance company authorized to do business in this state shall pay interest, in accordance with division (B) of this section and subject to division (C) of this section, on any proceeds that become due pursuant to the terms of a life in…

Ohio Rev. Code Ann. § 3915.053 Policy of military reservist not to lapse for nonpayment of premiums

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(A)(1) Except as provided in division (A)(2) of this section, this section shall apply to any individual life insurance policy insuring the life of a reservist, as defined in section 3923.381 of the Revised Code, who is on active duty pursuant to an executive order of the preside…

Ohio Rev. Code Ann. § 3915.06 Nonforfeiture benefit and cash value

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The nonforfeiture benefit referred to in division (H) of section 3915.05 of the Revised Code shall be available to the owner of the policy in the event of default in premium payments after premiums have been paid for three years, and such benefit shall be a stipulated form of ins…

Ohio Rev. Code Ann. § 3915.07 Standard nonforfeiture law

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(A) In the case of policies issued before January 1, 1989, or an earlier date, not before January 1, 1983, as of which section 3915.071 of the Revised Code becomes operative for such policies, no such policy of life insurance, except as set forth in division (G) of this section, …

Ohio Rev. Code Ann. § 3915.071 Paid-up nonforfeiture benefit or alternative nonforfeiture benefit

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(A) As used in this section, "operative date of the valuation manual" means the January 1 of the first calendar year that the valuation manual, as defined in section 3903.72 of the Revised Code, is effective. (B) No policy of life insurance shall be delivered or issued for delive…

Ohio Rev. Code Ann. § 3915.072 Cash surrender value - nonforfeiture factors

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This section applies to all policies of life insurance, not excluded by division (N) of section 3915.071 of the Revised Code, that are delivered, or issued for delivery, in this state on or after January 1, 1989. (A) Upon default in payment of the premium due on a policy annivers…

Ohio Rev. Code Ann. § 3915.073 Standard nonforfeiture law for individual deferred annuities

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(A) This section shall be known as the standard nonforfeiture law for individual deferred annuities. (B) This section does not apply to any reinsurance, group annuity purchased under a retirement plan or plan of deferred compensation established or maintained by an employer, incl…

Ohio Rev. Code Ann. § 3915.08 Loan, reserve, and cash surrender value

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Except in the case of policies to which the second paragraph of this section applies, the loan value referred to in division (G) of section 3915.05 of the Revised Code shall be the reserve at the end of the current policy year on the policy and on any dividend additions thereto, …

Ohio Rev. Code Ann. § 3915.09 Provisions prohibited

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No policy of life insurance shall be issued or delivered in this state, or be issued by a life insurance company organized under the laws of this state, if it contains any of the following:(A) A provision for forfeiture of the policy for failure to repay any loan on the policy or…

Ohio Rev. Code Ann. § 3915.10 Time extension for premium payments

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A life insurance company may enter into subsequent agreements in writing with the insured, which need not be attached to the policy, to extend the time for the payment of any premium, or part thereof, upon the condition that failure to comply with the terms of such agreement shal…

Ohio Rev. Code Ann. § 3915.11 Interest added to principal debt

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In ascertaining the indebtedness due upon policy or premium loans, the interest, if not paid when due, shall be added to the principal of such loans and shall bear interest at the rate specified in the note or loan agreement.

Ohio Rev. Code Ann. § 3915.12 Exchange, alteration, or conversion of policy

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Any life insurance company, at the request of the policyholder, may exchange, alter, or convert any policy of life or endowment insurance or any annuity issued by it for or into a policy of another plan of insurance or annuity as of a date not prior to the effective date of the o…

Ohio Rev. Code Ann. § 3915.13 Back-dating policies

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No life insurance company nor any of its agents shall knowingly make, issue, or deliver in this state any policy or contract of life insurance which purports to be issued or to take effect as of a date more than six months before the application therefor was made, if thereby the …

Ohio Rev. Code Ann. § 3915.14 Filing of forms of policies

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(A) No policy of life insurance, nor any indorsement, rider, or application which becomes or is designed to become a part of any such policy, shall be delivered, issued for delivery, or used in this state, or be issued by a life insurance company organized under the laws of this …

Ohio Rev. Code Ann. § 3915.141 Filing of form of indorsement or rider providing accelerated benefits

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In the case of an indorsement or rider that provides accelerated benefits in accordance with sections 3915.21 to 3915.24 of the Revised Code, the filing of the form of the indorsement or rider as required by section 3915.14 of the Revised Code shall include the form number of the…

Ohio Rev. Code Ann. § 3915.15 Provisions of policies of foreign companies

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The policies of a life insurance company, not organized under the laws of this state, may contain any provision which the law of the state, territory, district, or country under which the company is organized prescribes shall be in such policies when they are issued in this state…

Ohio Rev. Code Ann. § 3915.16 Interstate insurance product regulation code adopted

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The "Interstate Insurance Product Regulation Compact" is intended to help states join together to establish an interstate compact to regulate designated insurance products. Pursuant to terms and conditions of this section, the state of Ohio seeks to join with other states and est…

Ohio Rev. Code Ann. § 3915.21 Accelerated benefits definitions

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As used in sections 3915.21 to 3915.24 of the Revised Code:(A) "Accelerated benefits" means the benefits that are payable under a policy and that meet all of the following criteria:(1) The benefits are payable to the policyholder or certificate holder during the lifetime of the i…

Ohio Rev. Code Ann. § 3915.22 Application of chapter

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(A) Except as provided in division (B) of this section, every policy that provides accelerated benefits and that is issued or delivered in this state on or after the effective date of this section is subject to this chapter.(B) Sections 3915.21 to 3915.24 of the Revised Code do n…

Ohio Rev. Code Ann. § 3915.23 Accelerated benefits calculated on mortality risks

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The accelerated benefits provided by any policy subject to this chapter are life insurance benefits and are calculated primarily on the basis of mortality risks rather than morbidity risks.

Ohio Rev. Code Ann. § 3915.24 Rules

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Within six months after the effective date of this section, the superintendent of insurance shall adopt rules in accordance with Chapter 119. of the Revised Code to carry out the purposes of sections 3915.21 to 3915.24 of the Revised Code. The rules shall include criteria for the…