Full text of legislative history behind the Life and Health Insurance Guaranty Association Model Act.
Maryland Life and Health Insurance Guaranty Association Model Act Legislative History
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How to fill out Life And Health Insurance Guaranty Association Model Act Legislative History?
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The model law is drafted by state insurance regulators, with assistance from NAIC staff. Throughout the drafting process, public meetings are held and input is sought from interested parties, including industry representatives and consumer groups.
What are model laws? The NAIC model law development process helps provide uniformity while balancing the needs of insurers operating in multiple jurisdictions with the needs of consumers.
The Corporation funds its coverage obligations from three sources - the assets of the insolvent insurer, premiums due after liquidation, and assessments of the Corporation's member insurers.
The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization created and governed by the chief insurance regulators from the 50 states, the District of Columbia, and five U.S. territories.
However, it should be clarified that the NAIC does not actually create laws. Whether the states choose to adopt model legislation or come to some sort of overall consensus is up to them. There's no obligation for the states to enact the NAIC model laws or guidelines.
The NAIC model law development process helps provide uniformity while balancing the needs of insurers operating in multiple jurisdictions with the needs of consumers.
21 states have passed NAIC Model Laws as of . The following map depicts which states.
The model allows the insurer to choose whether a policy form will be marketed with an illustration. For policy forms actively marketed prior to the effective date of the regulation, the insurer is required to identify the forms that will use an illustration in the sales process.