Title 56, Insurance

Regulations adopted pursuant to this part are subject to the Uniform Administrative Procedures Act, compiled in title 4, chapter 5.

In addition to any other applicable penalties for violations set out in this title, the commissioner may require issuers violating this part or rules or regulations promulgated pursuant to this part to cease marketing any medicare supplement policy or certificate in this state th…

This part is known and may be cited as the “Easy to Read Life and Health Insurance Policy Act.”

(a) The purpose of this part is to establish minimum standards for language used in policies, contracts and certificates of life insurance, health insurance, credit life insurance and credit health insurance delivered or issued for delivery in this state to facilitate ease of rea…

(1) As used in this part, unless the context otherwise requires:(1) “Company” or “insurer” means any life or health insurance company, fraternal benefit society, nonprofit health service corporation, nonprofit hospital service corporation, nonprofit medical service corporation, p…

(a) This part applies to all policies delivered or issued for delivery in this state by any company on or after the date the forms are subject to this part, but nothing in this part applies to:(1) Any policy that is a security subject to federal jurisdiction;(2) Any group policy …

(a) In addition to any other requirements of law, policy forms, except as stated in § 56-7-1604, must not be delivered or issued for delivery in this state on or after the dates the forms are subject to this part, unless:(1) The text achieves a minimum score of forty (40) on the …

Nothing in this part shall be construed to negate any law of this state permitting the issuance of any policy form after it has been on file for the time period specified.

(1) The commissioner may authorize a lower score than the Flesch reading ease score required in § 56-7-1605(a)(1) whenever, in the commissioner's sole discretion, the commissioner finds that a lower score:(1) Will provide a more accurate reflection of the readability of a policy …

A policy for meeting the requirements of § 56-7-1605(a) shall be approved, notwithstanding any other laws that specify the content of policies, if the policy form provides the policyholders and claimants protection not less favorable than they would be entitled to under such laws…

The commissioner has sole authority to enforce this part or seek remedies for its violation.

If a prepaid dental plan after May 3, 1983, offers group prepaid dental service for sale in this state, and the plan limits the provider dentists to designated dentists or groups of designated dentists, whether through regular dental insurance coverage, dental service plan covera…

Any prepaid dental plan that regularly provides benefits for obtaining a professional opinion of a dentist shall also provide equal benefits for obtaining a second professional opinion of a dentist regarding the same dental procedure or condition if it is requested by the person …

This part is known and may be cited as the “Cancellation of Commercial Risk Insurance Act.”

(1) As used in this part, unless the context otherwise requires:(1) (A) “Commercial risk insurance” means insurance within the scope of this part that is not “personal risk insurance,” as defined in § 56-5-102, and subject to the exclusions set out in § 56-5-101; and(B) “Commerci…

(1) After a commercial risk insurance policy has been in effect for sixty (60) days, or, if the policy is a renewal, effective immediately, no notice of cancellation shall be effective unless it is based on the occurrence, after the effective date of the policy, of one (1) or mor…

(a) No notice of cancellation of a commercial risk insurance policy shall be effective unless mailed by the insurer, its authorized agent, or employee, to the named insured as shown in the policy declarations at the address shown in the declarations. (b) If the cancellation is du…

(a) Unless the insurer, at least sixty (60) days in advance of the end of the policy period, mails or delivers to the named insured and agent at the address shown in the policy, notice of its intention not to renew the commercial risk policy or to condition its renewal on reducti…

(a) In the event an insurance company intends to increase the premiums of a commercial risk policy by an amount that is more than twenty-five percent (25%) and the increase in premium is the result of comparing policies of equivalent exposures, the insurance company shall mail or…

Failure to comply with this part shall be considered to be an unfair trade practice under § 56-8-104.

(a) The commissioner may, after notice and hearing, promulgate rules and regulations to carry out this part. (b) The rulemaking authority includes the power to increase or decrease the time within which notice is required by this part.

Except as provided in § 56-7-1304, if an insurance company does not intend to renew a contract of any kind of personal risk insurance identified in § 56-5-102, the company shall mail or deliver to the named insured, at the address shown in the policy, notice of its intention not …

(a) Unless the nonrenewal notice contains a reason for the nonrenewal action, the notice shall advise the insured that upon written request of the named insured, mailed or delivered to the insurer not later than fifteen (15) days after the effective date of the nonrenewal, the in…

This part is known and may be cited as the “Memphis Plan Act of 1991.”

The general assembly finds that there is a problem with availability and affordability of health care services for lower income persons. It is, therefore, the intent of this general assembly to make coverage more available and affordable by authorizing the development of innovati…

(1) A plan that provides health care services to low income individuals on a prepaid basis shall not be deemed to be insurance within § 56-7-101, or a service plan or corporation or health maintenance organization within chapters 27-32 of this title, or any other provision of thi…

Coverage made available under the plan shall constitute minimum essential health coverage for purposes of compliance with 26 U.S.C. § 5000A.

Operation consistent with the standards described in § 56-7-2003 shall create a presumption that the operating entity satisfies the requirements of 26 U.S.C. § 5000A(d)(2)(B)(ii).

On the death of an insured, any life insurance acquired by the insured or the insured’s spouse and payable to the intestate insured’s estate benefits the surviving spouse and children and the proceeds shall be divided between them according to the statutes of distribution without…

Whenever a married person causes life insurance to be effected upon the person's spouse's life, it shall in no case be subject to the debts of the insured, but shall inure to the benefit of the surviving spouse and children, or surviving spouse or children, as the case may be; ho…

The net amount payable under any policy of life insurance or under any annuity contract upon the life of any person made for the benefit of, or assigned to, the spouse or children, or dependent relatives of the persons, is exempt from all claims of the creditors, including execut…

(a) Whenever the insured in a life insurance policy owned by the insured has reserved to the insured the right to change the beneficiary under the policy, the insured has the right to and may assign the policy, to the extent and in the manner permitted by the terms of the policy,…

(a) A life insurance company may not accept additional payments under policy provisions that permit deposits to be made in funds that are ancillary to the basic benefits and that are established for the payment of future premiums on individual life policies or annuity contracts, …

In the case of any life insurance policy with a value of fifteen thousand dollars ($15,000) or less, proof of death may be furnished by submission of a photocopy of the certificate of death, accompanied by a sworn statement by the doctor who signed the certificate or the funeral …

(a) No insurance company that has been qualified and authorized to do business in this state, pursuant to chapter 2 of this title, shall refuse to issue or deliver any policy of life insurance authorized under chapter 2 of this title, solely by reason of the fact that the person …

As used in this part, “pet” means any domesticated animal normally maintained in or near the household of its owner.

Any insurer writing any coverage to which this title applies may offer group or individual policies or contracts that provide benefits for hospital and medical services for pets; provided, that these services are provided by a veterinarian licensed pursuant to title 63, chapter 1…

(1) All policies issued pursuant to this part shall clearly disclose on the face of the policy:(1) The annual premium for the policy; and(2) The benefits provided by the policy. (1) The annual premium for the policy; and (2) The benefits provided by the policy.

This part is known and may be cited as the “Tennessee Small Employer Group Health Coverage Reform Act.”

The purpose and intent of this part is to promote the availability of accident and health insurance coverage to small employers, to prevent abusive rating practices, to require disclosure of rating practices to purchasers, to establish rules for continuity of coverage for employe…

(1) As used in this part, unless the context otherwise requires:(1) “Actuarial certification” means a written statement by a member of the American Academy of Actuaries or other individual acceptable to the commissioner that a small employer carrier is in compliance with § 56-7-2…

For the purposes of this part, companies that are affiliated companies or that are eligible to file a consolidated tax return shall be treated as one (1) carrier, except that with respect to affiliated companies, all of which are in existence and affiliated on January 1, 1992, th…

(a) A distinct grouping may only be established by a small employer carrier on the basis that the applicable health benefit plans:(1) Are marketed and sold through individuals and organizations that are not participating in the marketing or sale of other distinct groupings of sma…

(a) A health benefit plan is subject to this part if it provides health benefits for small employers and if either of the following conditions is met:(1) Any part of the premiums or benefits is paid by a small employer, or any covered individual is reimbursed, whether through wag…

(a) Health benefit plans covering small employers are subject to the following:(1) Except in the case of a late enrollee, any preexisting conditions provision may not limit or exclude coverage for a period beyond twelve (12) months following the insured's effective date of covera…

(a) A health group cooperative of small employers may be formed only for the purpose of obtaining insurance. A health group cooperative shall:(1) Contain at least one thousand (1,000) eligible employees or have at least ten (10) participating employers;(2) Establish requirements …