Session:

Arizona Legislature

Arizona Revised Statutes

The Arizona Revised Statutes have been updated to include the revised sections from the 56th Legislature, 2nd Regular Session. Please note that the next update of this compilation will not take place until after the conclusion of the 57th Legislature, 1st Regular Session, which convenes in January 2025.

DISCLAIMER

This online version of the Arizona Revised Statutes is primarily maintained for legislative drafting purposes and reflects the version of law that is effective on January 1st of the year following the most recent legislative session. The official version of the Arizona Revised Statutes is published by Thomson Reuters.

Title 20 - Insurance

View documents as:

Click on the Section Number to open/view the document.   

Chapter 1
GENERAL PROVISIONS
Sec: 20-101-20-191
Article 1Scope of Title
  • 20-101
  • Department of insurance and financial institutions; definition
  • 20-103
  • Definition of insurance; exceptions
  • 20-106
  • Acts constituting the transaction of business; definition
  • 20-107
  • Limitation on transaction of insurance; exception
  • 20-108
  • Types of insurers excepted
  • 20-108.01
  • Extended warranty insurers; deposit with state treasurer; powers and duties; definition
  • 20-111
  • Health insurers; savings incentive programs; definitions
  • 20-112
  • Existing actions or violations
  • 20-113
  • Construction of particular and general provisions
  • 20-114
  • Violations; classification
  • 20-115
  • Department jurisdiction over certain health care providers; exception; examination; disclosure
  • 20-116
  • Surety bonds; cash deposit as alternative
  • 20-118
  • Prohibition; definitions
  • 20-119
  • Charitable gift annuities; audited financial statements; disclosure statement; commissions prohibited; definitions
  • 20-120
  • Payment bonds for third party intermediary entities; contract provisions; definitions
  • 20-121
  • Health care exchange; abortion coverage; prohibition; exceptions
  • 20-122
  • Health care sharing ministries; exemption from regulation; definition
  • 20-125
  • Sending notices and correspondence
  • 20-126
  • Annual dental loss ratio report; posting; definitions
Article 2Administrative Officers and Procedures
  • 20-141
  • Director of the department of insurance and financial institutions; appointment; qualifications; compensation
  • 20-142
  • Powers and duties of director; payment of examination and investigation costs; home health services
  • 20-145
  • Evidentiary effect of certificate of authority
  • 20-147
  • Assistant director; chief examiner; appointment; qualifications
  • 20-148
  • Deputies and other employees; special services
  • 20-149
  • Prohibition on certain activities by employees; conflict of interest
  • 20-150
  • Delegation of director's authority
  • 20-151
  • Issuance of orders and notices by director
  • 20-154
  • Annual report; list of authorized insurers
  • 20-155
  • Expenses of administration
  • 20-156
  • Examination of insurers; financial surveillance fund; definition
  • 20-157
  • Access and powers relating to insurers' records
  • 20-157.01
  • Confidentiality of insurer's claim files and records; access by director; definition
  • 20-158
  • Report of examinations by director; information sharing
  • 20-159
  • Insurance examiners' revolving fund; definition
  • 20-160
  • Powers of examination; witnesses; subpoenas; perjury
  • 20-162
  • Demand for hearing; stay of order
  • 20-168
  • Preparation and sale of publications
  • 20-169
  • Supervision by director
  • 20-170
  • Prohibited acts during sixty day period of supervision
  • 20-171
  • Conservatorship; liquidation
  • 20-172
  • Possession by director of person transacting insurance prior to appointment of receiver; powers of director in possession; stay of possession order; application to title insurance
  • 20-173
  • Residence requirement; exemption for officer representing insurer
Article 3Mandated Health Coverage
  • 20-181
  • Mandated health coverage; report
  • 20-182
  • Factors for assessing impact; certification of report
  • 20-183
  • Report procedures and deadlines
Article 4Payment of Premiums
  • 20-191
  • Payment of premiums by mail; date of payment
Chapter 2
TRANSACTION OF INSURANCE BUSINESS
Sec: 20-201-20-492.06
Article 1Authorization of Insurers and General Requirements
  • 20-201
  • "Alien" insurer defined
  • 20-202.01
  • Stock insurer's initial free surplus defined
  • 20-202.02
  • Mutual insurer's minimum required basic surplus defined
  • 20-202.03
  • Mutual insurer's initial free surplus defined
  • 20-202.04
  • Reciprocal insurer's required basic surplus defined
  • 20-202.05
  • Reciprocal insurer's initial free surplus defined
  • 20-203
  • "Domestic" insurer defined
  • 20-204
  • "Foreign" insurer defined
  • 20-205
  • "State," "United States" defined
  • 20-206
  • Authority to transact insurance
  • 20-207
  • General qualifications to transact insurance
  • 20-208
  • Definition of guaranteed investment contract
  • 20-209
  • Kinds of insurance an insurer may transact
  • 20-210
  • Minimum required capital stock or basic surplus
  • 20-212
  • Funds required to transact additional kinds of insurance
  • 20-214
  • Financial requirements; escalator provisions
  • 20-215
  • Application for certificate of authority
  • 20-216
  • Issuance or refusal of certificate
  • 20-217
  • Certificate of authority; term; termination; delivery upon termination or revocation
  • 20-218.02
  • Change of known place of business or statutory agent
  • 20-219
  • Mandatory revocation or suspension
  • 20-220
  • Certificate of authority; refusal to renew; revocation or suspension; civil penalty
  • 20-220.01
  • Hazardous financial condition; determination; order
  • 20-221
  • Director as agent for service of process
  • 20-222
  • Service of process; time to answer
  • 20-223
  • Annual statement; payment of fees; penalty for failure to file or pay
  • 20-223.01
  • Annual report of product liability insurer
  • 20-224.01
  • Additional premium tax; civil penalty
  • 20-224.03
  • Premium tax credit for new employment
  • 20-224.04
  • Affordable housing premium tax credit
  • 20-224.05
  • Premium tax credit for health insurance certificates submitted by qualified persons; definitions
  • 20-224.06
  • Premium tax credit for contributions to school tuition organization; low-income scholarships
  • 20-224.07
  • Premium tax credit for contributions to school tuition organization; displaced students and students with disabilities
  • 20-225
  • Failure to pay tax; penalty; exception
  • 20-226
  • Exclusive character of premium tax; exception
  • 20-227
  • Disposition of tax proceeds
  • 20-228
  • Exemption of insurers from general corporation reports and fees
  • 20-229
  • Insurance producer; identification; exceptions
  • 20-232
  • Junior achievement program; exemption from licensure
  • 20-233
  • Additional information required of insurer; disclosure to director; violation; classification
  • 20-234
  • Filing requirement; participation in the insurance regulatory information system
  • 20-235
  • Insurers; financial disclosure; requirements
  • 20-236
  • Civil penalty for failure to respond to a request for verification of financial responsibility
  • 20-237
  • Failure to provide information; penalty
  • 20-238
  • Health insurance; state regulation; rating areas; definitions
  • 20-239
  • Electronic communications and records; applicability; definitions
  • 20-240
  • Electronic posting of policies; definitions
  • 20-241
  • Contracts to provide health care services; form of payment; notice; explanation of benefits; definitions
  • 20-242
  • Health insurers; provider networks; notice; options; definitions
Article 2Kinds of Insurance; Reinsurance; Limits of Risk
  • 20-251
  • Definitions not mutually exclusive
  • 20-252
  • "Casualty insurance" defined
  • 20-253
  • "Disability insurance" defined
  • 20-254
  • "Life insurance" defined
  • 20-255
  • "Marine and transportation insurance" defined
  • 20-256
  • "Property insurance" defined
  • 20-257
  • "Surety insurance" defined
  • 20-259
  • "Vehicle insurance" defined
  • 20-259.01
  • Motor vehicle liability policy; uninsured optional; underinsured optional; subrogation; medical payments liens; definitions
  • 20-259.02
  • Coverage to include car pool operators and car pool vehicles; definitions
  • 20-259.03
  • Uninsured and underinsured motorist coverages; insured; wrongful death recovery
  • 20-262
  • Motor vehicle insurance policy; reduction of rate for older person completing accident prevention course; course requirements
  • 20-263
  • Vehicle insurance; prohibited act by insurer; hearing; penalty
  • 20-264
  • Automobile insurance; damaged safety equipment deductible optional; definition
  • 20-265
  • Motor vehicle insurance; premium and fee comparisons and complaint ratios
  • 20-266
  • Minimum liability policy; availability
  • 20-267
  • Motor vehicle liability policies; monthly basis; fee
  • 20-268
  • Motor vehicle subrogation
  • 20-270
  • Residential property insurance; prohibited acts
  • 20-271
  • Lienholders; proof; accidents; notice; applicability
Article 3Insurance Producer Licensing
  • 20-283
  • Exceptions to insurance producer licensing
  • 20-284
  • Application for examination
  • 20-285
  • Application for license
  • 20-286
  • Licensure; lines of authority
  • 20-288
  • Exemption from examination
  • 20-289
  • Expiration; surrender; renewal
  • 20-289.01
  • Inactive license or application status during military service
  • 20-290
  • Insurance producer records; individual licensees
  • 20-291
  • Service of process on nonresident licensees
  • 20-292
  • Violation; injunctive relief
  • 20-293
  • Insurance vending machines
  • 20-295
  • License denial, suspension or revocation; civil penalty
  • 20-296
  • Effect of suspension or revocation of license
  • 20-297
  • Assumed business name; trade name
Article 3.1Managing General Agents
  • 20-311
  • Definition of managing general agent; exceptions; adjustment or payment of claims
  • 20-311.01
  • Managing general agents; requirements
  • 20-311.02
  • Requirements for managing general agent agreements
Article 3.2Adjusters
  • 20-321.01
  • Licensing of adjusters; qualifications; exemption
Article 3.3Other Insurance Professionals
  • 20-331
  • Rental car agents; definitions
  • 20-331.01
  • Political subdivision employees; risk management consultant licenses; application of other laws
  • 20-332
  • Self-service storage agents; license; definitions
Article 3.4Navigators and Certified Application Counselors
  • 20-336.04
  • Certified application counselors; licensing
Article 3.5Bail Bond Agents and Bail Recovery Agents
  • 20-340.01
  • Bail bond agents; licensure; business entities; place of business; receipt; maintenance of records
  • 20-340.04
  • Bail recovery agent prohibitions; criminal records checks
Article 4Rates and Rating Organizations
  • 20-341
  • Purpose of insurance rate regulation
  • 20-342
  • Scope and application of article
  • 20-357
  • Filing of rating system; definition
  • 20-359
  • Deviations from filed workers' compensation rates
  • 20-361
  • Licensing of rating organizations
  • 20-362
  • Notice to director of changes in rating organization
  • 20-363
  • Availability of services of rating organization to members
  • 20-365
  • Cooperation in rate making
  • 20-366
  • Appeal by member or subscriber from action relating to filings
  • 20-367
  • Workers' compensation appeals board; composition
  • 20-369
  • Joint underwriting or joint reinsurance
  • 20-370
  • Examinations of rating organizations
  • 20-372
  • Disclosure of information relating to rates
  • 20-374
  • Revocation and suspension of licenses
  • 20-375
  • Making of title insurance rates
  • 20-376
  • Filing of title insurance rates; approval or disapproval
  • 20-377
  • Justification for title insurance rates
  • 20-378
  • Disapproval of title insurance filings
  • 20-379
  • Deviations in title insurance rates
Article 4.1Open Competition Rates and Rating Organizations
  • 20-386
  • Filings open to inspection
  • 20-387
  • Delegation of rate making and rate filing obligations
  • 20-389
  • Rate service organizations; license; application
  • 20-390
  • Advisory organizations; filing with director
  • 20-391
  • Joint underwriting and joint reinsurance organizations; filing with director
  • 20-392
  • Rate agreements among insurers prohibited
  • 20-393
  • Recording and reporting of experience
  • 20-394
  • Examination of rate service organizations and joint underwriting and joint reinsurance organizations
  • 20-395
  • Apportionment agreements among insurers
  • 20-396
  • Hearing and judicial review
  • 20-398
  • Policy forms; approval or disapproval; exemption
Article 4.2Compliance With Filed Rates
  • 20-400.02
  • Submittal of data comparing premiums charged to filed rates
  • 20-400.05
  • Examiners and examination related expenses
Article 5Unauthorized Insurers
  • 20-401.01
  • Unlawful transaction of insurance business; exemptions
  • 20-401.02
  • Violation; cease and desist orders; injunctive relief
  • 20-401.03
  • Service of process in an action by the director
  • 20-401.04
  • Action by attorney general to enforce order or decision of court or director; foreign decrees
  • 20-401.05
  • Certificate of exemption; definitions
  • 20-401.06
  • Unauthorized transactions; classification
  • 20-401.07
  • Premium receipts tax on industrial insureds contracting with unauthorized insurer; definitions
  • 20-403
  • Service of process in an action by someone other than the director
  • 20-405
  • Prerequisites for participating in court action
  • 20-406
  • Attorneys' fees in action against insurer
  • 20-407.01
  • Designation as a domestic surplus lines insurer; requirements; scope of business activity permitted
  • 20-408
  • Report of broker; civil penalty
  • 20-409
  • Recognized surplus lines
  • 20-410
  • Validity of surplus lines insurance; disclosure; policy fees
  • 20-411
  • Licensing of surplus lines broker; examination
  • 20-411.01
  • Licensing of Mexican insurance surplus lines broker
  • 20-411.02
  • Nonresident surplus lines broker; remittance of tax on insurance procured out of state
  • 20-412
  • Acceptance of surplus lines business by broker
  • 20-413
  • Placing of surplus lines coverage; endorsement by broker; list of unauthorized insurers; removal from list; definition
  • 20-414
  • Records of surplus lines brokers
  • 20-415
  • Statement of surplus lines insurance business transacted by broker; reporting periods; exception
  • 20-416.01
  • Collection and payment of tax on surplus lines; multistate agreement
  • 20-417
  • Failure to remit tax; civil penalty; exception
  • 20-418
  • Denial, revocation or suspension of license; civil penalty
  • 20-419
  • Legal process against surplus lines insurer
  • 20-420
  • Exemptions from surplus lines provisions
  • 20-421
  • Access of director to records of person insured by unauthorized insurer
  • 20-422
  • Alien insurance for coverage in Mexico
  • 20-423
  • Voluntary domestic organization of surplus lines brokers; membership; stamping fee collection; meetings; definition
Article 6Unfair Practices and Frauds
  • 20-441
  • Purpose of article; definition
  • 20-442
  • Unfair trade practices prohibited
  • 20-443
  • Misrepresentations and false advertising of policies; false disclosure of compensation
  • 20-443.01
  • Misrepresentation in sale of insurance; violation; classification
  • 20-444
  • False or deceptive advertising of insurance or status as insurer
  • 20-446
  • Acts tending to result in unreasonable restraint or monopoly of insurance business
  • 20-447
  • False financial statements or records
  • 20-448
  • Unfair discrimination; definitions
  • 20-448.01
  • Required insurance procedures relating to HIV information; confidentiality; violations; penalties; definitions
  • 20-448.02
  • Genetic testing; informed consent; definitions
  • 20-449
  • Rebates on life or disability insurance
  • 20-450
  • Practices not prohibited as discrimination or rebates in life and disability insurance; wellness programs; definition
  • 20-451
  • Rebates on other than life or disability insurance; definitions
  • 20-452.01
  • Designation of particular insurer or person transacting insurance prohibited
  • 20-452.04
  • Investigation by director of alleged violations
  • 20-453
  • Programs for purchase by policyholders of securities of insurance companies
  • 20-454
  • Programs for purchase by policyholders of securities of companies not engaged in insurance
  • 20-455
  • Interlocking ownership or management; multiple directorship
  • 20-456
  • Cease and desist order for defined or prohibited practices; civil penalty
  • 20-457
  • Premature disposal of premium notes prohibited
  • 20-458
  • Fraudulent statement in application; classification
  • 20-459
  • Deferred dividends; life
  • 20-460
  • Free choice of insurance producer
  • 20-461
  • Unfair claim settlement practices
  • 20-462
  • Timely payment of claims
  • 20-463
  • Fraud; injunction; penalties; restitution; definitions
  • 20-463.01
  • Unlawful practices; auto glass repair; policyholders; insurers
  • 20-463.02
  • Advanced driver assistance system; auto glass repair; notice; violations; civil penalties; definitions
  • 20-464
  • Prohibiting payment for services to persons other than the assignee
  • 20-465
  • Fees; insurance producers; definition
  • 20-466
  • Fraud unit; investigators; peace officer status; powers; information sharing; assessment
  • 20-466; Version 2
  • Fraud unit; investigators; peace officer status; powers; information sharing; assessment
  • 20-466.02
  • Injunction; restitution; civil penalties; costs
  • 20-466.03
  • Notice of penalty for false or fraudulent claims; definition
  • 20-466.04
  • Referrals to other licensing agencies; definition
  • 20-467
  • Return premiums; penalties
  • 20-468
  • Motor vehicle loss; policyholder choice of repair facility
  • 20-469
  • Motor vehicle loss; choice of glass repair facility
  • 20-469.01
  • Third party administrator; glass; violation; classification; definition
Article 7Insurance on Collateral Security
  • 20-471
  • Definition of insurance service charge; limit; prohibited use
  • 20-472
  • Service charges in connection with insurance on collateral security prohibited when change of ownership
  • 20-473
  • Obligation of mortgagee to furnish mortgagor copies of insurance policy
  • 20-474
  • Service charges in connection with insurance on collateral security prohibited when mortgagee procures insurance
  • 20-475
  • Reasonable requirements of security holder are valid
  • 20-475.01
  • Insurance on mortgaged property; disclosure of expiration date prohibited; exception
  • 20-476
  • Violation; classification
Article 8Insurance Holding Company Systems
  • 20-481.02
  • Tender offers; required statements; disclosures; approval or disapproval by director; definition
  • 20-481.04
  • Statement filed by partnership, corporation or other group
  • 20-481.05
  • Material change of fact; filing amended statement; time
  • 20-481.07
  • Approval and issues; notice; hearings
  • 20-481.08
  • Appointment of director as agent for service of process; forwarding of process; consent to jurisdiction
  • 20-481.10
  • Form and content of registration statement; disclosure of information; enterprise risk filing
  • 20-481.13
  • Material changes; amended statement; time; reporting of dividends
  • 20-481.15
  • Consolidated registration by affiliates
  • 20-481.16
  • Alternative registration for an affiliate
  • 20-481.18
  • Disclaimer of affiliation or control; contents; effect on duty to register
  • 20-481.19
  • Extraordinary dividend or distribution; time; notice; approval by director; definition
  • 20-481.20
  • Examination of registered insurers; powers; limits; expense
  • 20-481.21
  • Confidential records; consent to release; release without consent; information sharing
  • 20-481.25
  • Acquisitions involving insurers not otherwise covered; anticompetitive considerations; civil penalty; definitions
  • 20-481.26
  • Penalties; cease and desist order; violation; classification
  • 20-481.28
  • Insurer's license; revocation; suspension; nonrenewal
  • 20-481.29
  • Injunctions; prohibitions against voting securities; sequestration of voting securities
  • 20-481.32
  • Management of domestic insurers subject to registration
  • 20-481.33
  • Director's authorization; group-wide supervision; internationally active insurance groups
Article 8.1Mutual Holding Company Reorganization
  • 20-482.02
  • Required filings; approval by director and members
  • 20-482.04
  • Plan review and approval; general provisions; hearing
  • 20-482.05
  • Status of mutual holding company as corporation; status of insurer; rights and obligations of members; voting; articles of incorporation
  • 20-482.06
  • Concurrent reorganization with a domestic or foreign mutual insurer
  • 20-482.07
  • Foreign mutual insurer reorganization; definition
Article 9Insurance Administrators
  • 20-485.01
  • Written agreement; provisions; maintenance of records
  • 20-485.02
  • Administrator as intermediary between insurer and insured; right of action preserved
  • 20-485.03
  • Maintenance of records; access; confidentiality; information sharing; examination
  • 20-485.05
  • Inclusion of underwriting standards
  • 20-485.06
  • Charges or premiums collected held in fiduciary capacity; establishment of account; disbursements
  • 20-485.07
  • Payment of claims on behalf of insurer
  • 20-485.09
  • Adjustment or settlement of claims or charges; compensation
  • 20-485.10
  • Deposit or surety bond of administrators; amount; purpose
  • 20-485.11
  • Notice to insureds; statement of charge or premium for coverage; conflict of interest prohibited
  • 20-485.12
  • Certificate of registration; fees; expiration; revocation; civil penalties; violations; classification; injunctive relief
Article 10Reinsurance Intermediaries
  • 20-486
  • Definitions; director's list
  • 20-486.01
  • Licensure of reinsurance intermediaries
  • 20-486.02
  • Required contract provisions; reinsurance intermediary brokers
  • 20-486.03
  • Books and records; reinsurance intermediary brokers
  • 20-486.04
  • Duties of insurers utilizing the services of a reinsurance intermediary broker
  • 20-486.05
  • Required contract provisions; reinsurance intermediary managers
  • 20-486.06
  • Books and records; reinsurance intermediary managers
  • 20-486.07
  • Prohibited acts; reinsurance intermediary managers
  • 20-486.08
  • Duties of reinsurers utilizing the services of a reinsurance intermediary manager
Article 11Producer Controlled Property and Casualty Insurance
Article 12Risk-Based Capital for Insurers
  • 20-488.07
  • Confidentiality; information sharing
  • 20-488.08
  • Supplemental provisions; rules; exemption
Article 13Violent Crime Control and Law Enforcement Act
  • 20-489
  • Violent crime control and law enforcement act; insurance business; rules
Article 14Enforcement of Insurance Policies Affecting Certain Holocaust Victims
Article 15Risk Management and Solvency Assessment
  • 20-491.03
  • Submission of ORSA summary report; requirements
  • 20-491.04
  • Exemptions from article requirements; reports
  • 20-491.06
  • Confidentiality of ORSA documents; allowable uses
Article 16Corporate Governance
  • 20-492.03
  • Contents of corporate governance annual disclosure
  • 20-492.05
  • Third-party consultants; confidentiality standards
Chapter 3
FINANCIAL PROVISIONS AND PROCEDURES
Sec: 20-501-20-698.01
Article 1Assets and Liabilities
  • 20-502
  • Assets as deductions from liabilities
  • 20-503
  • Assets not allowed as deductions from liabilities
  • 20-504
  • Reporting assets not allowed
  • 20-506
  • Unearned premium reserve
  • 20-507
  • Unearned premium reserve for marine insurance
  • 20-508
  • Reserves for disability insurance
  • 20-509
  • Increase of inadequate reserves
  • 20-510
  • Standard valuation law; operative date; definitions
  • 20-511
  • Valuation of bonds; limitation
  • 20-512
  • Valuation of other securities
  • 20-512.01
  • Valuation of joint ventures, partnerships and limited liability companies
  • 20-513
  • Valuation of real and personal property
  • 20-514
  • Valuation of purchase money mortgages
  • 20-515
  • Valuation of assets held in separate accounts
  • 20-517
  • Report of acquisitions and dispositions
  • 20-518
  • Acquisitions and dispositions of assets
  • 20-519
  • Nonrenewals, cancellations or revisions of ceded reinsurance agreements
Article 2Investments
  • 20-533
  • Qualification of securities or property as eligible investments
  • 20-535
  • Limitation on percentage of assets invested with single person; exception
  • 20-536
  • Investments; type; limitations
  • 20-537
  • Investment of funds in United States obligations; accounting
  • 20-538
  • Securities of states, territories, counties, municipalities, school districts, political subdivisions, public districts or civil divisions thereof
  • 20-539
  • Federally guaranteed loans
  • 20-540
  • Governmental revenue bonds and obligations; limitation; definitions
  • 20-541
  • Improvement district obligations
  • 20-543
  • Acceptances and bills of exchange
  • 20-545
  • Preferred, guaranteed or preference stock
  • 20-547
  • Equipment trust certificates
  • 20-548
  • Obligations of receivers or trustees
  • 20-549
  • Investments not otherwise authorized; limitations; appraisal; cost
  • 20-551
  • Investments or deposits in financial institutions
  • 20-553
  • Mortgages on real estate; definitions
  • 20-554
  • Purchase money mortgages
  • 20-555
  • Security agreements; definition
  • 20-558
  • Investment company or trust; mutual funds
  • 20-559
  • Investments of foreign and alien insurers
  • 20-560
  • Derivative transactions; definitions
  • 20-562
  • Insurer investments; partnerships; limited liability companies; limitations
Article 3Administration of Deposits
  • 20-583
  • Assets eligible for deposit
  • 20-584
  • Trust companies as depositaries
  • 20-585
  • Responsibility of state for safekeeping of deposits
  • 20-586
  • Rights of insurer during solvency
  • 20-589
  • Levy upon deposits prohibited; exception
Article 4Rehabilitation and Liquidation
  • 20-612
  • Delinquency proceedings; jurisdiction; venue; nature of remedy; appeal
  • 20-613
  • Commencement of delinquency proceedings
  • 20-615
  • Grounds for rehabilitation of domestic insurers
  • 20-616
  • Grounds for liquidation
  • 20-617
  • Grounds for conservation of foreign insurers
  • 20-618
  • Grounds for conservation of alien insurers
  • 20-619
  • Grounds for ancillary liquidation of foreign insurers
  • 20-620
  • Order of rehabilitation; termination
  • 20-621
  • Order of liquidation of domestic insurers
  • 20-622
  • Order of liquidation of alien insurers
  • 20-623
  • Order of conservation or ancillary liquidation of foreign or alien insurers
  • 20-623.01
  • Conduct of all delinquency proceedings
  • 20-624
  • Conduct of delinquency proceedings against domestic and alien insurers
  • 20-625
  • Conduct of delinquency proceedings against foreign insurers
  • 20-626
  • Claims of nonresidents against domestic insurers
  • 20-627
  • Claims against foreign insurers
  • 20-628
  • Proof of claims; notice; hearing
  • 20-629
  • Priority of distribution; definition
  • 20-630
  • Attachment and garnishment of assets
  • 20-631
  • Uniform insurers liquidation act
  • 20-632
  • Deposit of monies collected
  • 20-634
  • Borrowing on pledge of assets
  • 20-635
  • Rights and liabilities fixed as of date liquidation order filed
  • 20-637
  • Qualified financial contracts; definition
  • 20-639
  • Allowance of certain claims
  • 20-643
  • Order to pay assessment
  • 20-644
  • Publication and service of assessment order
  • 20-645
  • Judgment upon assessment
  • 20-646
  • Cooperation with Arizona property and casualty insurance guaranty fund and life and disability insurance guaranty fund
  • 20-647
  • Giving guaranty fund or association immediate access to assets
  • 20-648
  • Receivership liquidation fund; purpose; deposit; expenses of receivership; deputy receiver; powers and duties
  • 20-650
  • Recovery of shareholder liability
Article 5Separate Accounts
  • 20-651
  • Establishment of separate accounts; income, gains and losses; variable benefits; requirements; reserves
Article 6Administration of Insolvency
  • 20-662
  • Arizona property and casualty insurance guaranty fund
  • 20-663
  • Guaranty fund board; composition; compensation
  • 20-664
  • Powers and duties of the board
  • 20-666
  • Assessments; notification; exemptions; setoffs; refunds
  • 20-667
  • Obligations of the fund
  • 20-668
  • Powers and duties of the director
  • 20-669
  • Examination of member insurer; costs; release of report
  • 20-670
  • Meetings; information; subpoena power; confidentiality
  • 20-671
  • Special meetings closed
  • 20-673
  • Nonduplication of recovery; exhausting all other applicable coverages; rights of fund and member insurer; definition
  • 20-675
  • Immunity and indemnification
  • 20-678
  • Examination of the fund; annual report
  • 20-679
  • Limitations on filing of creditor's claims
  • 20-680
  • Exempt types of insurance
Article 7Administration of Life and Disability Insurance Insolvencies
  • 20-683
  • Life and disability insurance guaranty fund
  • 20-684
  • Life and disability insurance guaranty fund board; composition; compensation
  • 20-685
  • Powers and duties of the fund
  • 20-688
  • Duties and powers of the director
  • 20-689
  • Prevention of impairments
  • 20-691
  • Examination of the fund; annual report
  • 20-694
  • Stay of proceedings; reopening default judgments
Article 8Life and Health Actuarial Opinion and Memorandum Requirements
  • 20-696.02
  • General requirements; statement of actuarial opinion; qualified actuary; appointed actuary; analysis
  • 20-696.03
  • Statement of actuarial opinion based on an asset adequacy analysis
  • 20-696.04
  • Description of actuarial memorandum including an asset adequacy analysis and regulatory asset adequacy issues summary
Article 9Property and Casualty Actuarial Opinion Requirements
  • 20-697
  • Property and casualty actuarial opinions; limitation of liability
  • 20-697.01
  • Confidentiality; sharing of information
Article 10Audited Financial Reports
  • 20-698
  • Annual audited financial reports
  • 20-698.01
  • Rule making; exemption from rule making procedures
Chapter 4
PARTICULAR TYPES OF INSURERS
Sec: 20-701-20-1099.02
Article 1Domestic Stock and Mutual Insurers
  • 20-702
  • "Mutual" insurer defined
  • 20-703
  • "Stock" insurer defined
  • 20-704
  • Applicability of general corporation laws
  • 20-705
  • Articles of incorporation
  • 20-706
  • Filing and publication of articles; appointment of agent to receive process; issuance of certificate
  • 20-709
  • Formation of mutual insurer; applications for insurance
  • 20-710
  • Formation of mutuals; trust deposit of premiums; issuance of policies
  • 20-711
  • Initial qualification of domestic mutual insurers
  • 20-712
  • Additional kinds of insurance authorized to be issued by mutual insurer
  • 20-713
  • Bylaws of mutual insurer
  • 20-714
  • Quorum of members of mutual insurer
  • 20-715
  • Membership in mutual insurer
  • 20-716
  • Rights of mutual insurer member
  • 20-717
  • Contingent liability of mutual insurer members
  • 20-718
  • Enforcement of contingent liability
  • 20-719
  • Issuance of nonassessable policies by mutual insurers
  • 20-720
  • Revocation of authority to issue nonassessable policies
  • 20-723
  • Dividends to mutual policyholders
  • 20-724
  • Illegal dividends; violation; classification
  • 20-726
  • Prohibited interests of officers and directors in certain transactions
  • 20-726.01
  • Insider trading by officers, directors and principal stockholders
  • 20-727
  • Management and exclusive agency contracts
  • 20-728
  • Impairment of capital or assets
  • 20-729
  • Conversion of stock insurer to mutual insurer
  • 20-730
  • Conversion of mutual insurer to stock insurer
  • 20-731
  • Merger or consolidation of stock insurers; hearings; notice
  • 20-732
  • Acceptance of reinsurance by stock insurers; definition
  • 20-733
  • Merger or consolidation of mutual insurers
  • 20-734
  • Acceptance of reinsurance by mutual insurers
  • 20-735
  • Distribution of assets of mutual insurer on liquidation
  • 20-736
  • Transfer of direct obligations; assignment; notice; findings; approval; applicability
Article 2Reciprocal Insurers
  • 20-761
  • "Reciprocal" insurance defined
  • 20-762
  • "Reciprocal insurer" defined
  • 20-764
  • Compliance by existing insurers
  • 20-765
  • Powers of reciprocal insurers
  • 20-766
  • Name of insurer; designation by name as party in action
  • 20-767
  • Attorney-in-fact of reciprocal insurers
  • 20-769
  • Organization of reciprocal insurer
  • 20-770
  • Certificate of authority
  • 20-772
  • Modifications of agreement
  • 20-774
  • Deposit in lieu of bond of attorney
  • 20-776
  • Service of legal process; liabilities under judgment on such service
  • 20-778
  • Contributions to insurer
  • 20-779
  • Financial condition; determination
  • 20-781
  • Subscribers' advisory committee
  • 20-783
  • Liability of subscriber on judgment against insurer
  • 20-785
  • Time limit for assessment
  • 20-786
  • Limitation on liability
  • 20-788
  • Distribution of savings
  • 20-789
  • Subscriber's share in assets
  • 20-791
  • Impaired reciprocal insurers
  • 20-792
  • Ownership of real property
Article 3Hospital, Medical, Dental and Optometric Service Corporations
  • 20-821
  • Scope of article; rules; authority of director
  • 20-823
  • Incorporation of hospital, medical, dental and optometric service corporations
  • 20-824
  • Application for certificate; fee
  • 20-825
  • Certificate of authority; requirements
  • 20-825.01
  • Minimum capital or surplus required; application
  • 20-826
  • Subscription contracts; definitions
  • 20-826.01
  • Hospital or medical service corporations; clinical trials; cancer; definitions
  • 20-826.02
  • Subscription contracts; varying copayments and deductibles allowed
  • 20-826.03
  • Eosinophilic gastrointestinal disorder; formula
  • 20-826.04
  • Subscription contracts; autism spectrum disorder; coverage; exceptions; definitions
  • 20-828
  • Deposit for protection of members
  • 20-830
  • Expenses and investments
  • 20-831
  • Annual statement; examination
  • 20-833
  • Relationship of health care professional and patient; financial incentives; definition
  • 20-834
  • Dissolution; unfair practices
  • 20-835
  • Judicial review of decisions of director
  • 20-836
  • Limitation on liability
  • 20-837
  • Tax exemption; exceptions
  • 20-838
  • Subscribers and employees exempt from corporate indebtedness
  • 20-839
  • Exemption of certain hospital plans
  • 20-840
  • Continuation of existing certificates, licenses and rights
  • 20-841
  • Prohibiting denial of certain contract benefits
  • 20-841.01
  • Prohibiting denial of chiropractic contract benefits; direct reimbursement
  • 20-841.02
  • Prohibiting denial of psychologist contract benefits
  • 20-841.03
  • Prohibiting denial of contract benefits; nurses; reimbursement
  • 20-841.04
  • Standing referrals to network health care professionals; definition
  • 20-841.05
  • Prescription drug formulary; definitions
  • 20-841.08
  • Prohibiting denial of occupational or physical therapist contract benefits
  • 20-841.09
  • Telehealth; coverage of health care services; definition
  • 20-841.10
  • Cancer treatment medications; cost sharing; definition
  • 20-841.13
  • Biomarker testing; coverage; definitions
  • 20-842
  • Prohibition against excluding coverage because of previous tests for a condition
  • 20-843
  • Eligibility; prohibiting cancellation because of eligibility for certain benefits
  • 20-844
  • Right to open enrollment period; subscribers; definition
  • 20-845
  • Suspension or revocation of certificate of authority; civil penalties
  • 20-846
  • Individual health insurance policies; mandatory coverage exemption; definitions
  • 20-847
  • Contracts; dentists; covered services; definition
  • 20-848
  • Prescriptions; cost sharing; refills; dispensing fees; definition
  • 20-849
  • Contracts; optometrists; covered services; definition
Article 4Fraternal Benefit Societies
  • 20-863
  • Representative form of government
  • 20-865
  • Qualifications for membership
  • 20-866
  • Location of office; publications; grievance procedure
  • 20-867
  • Exemption from liability
  • 20-870
  • Amendment to society laws
  • 20-871
  • Authority to maintain institutions
  • 20-873
  • Consolidation or merger
  • 20-874
  • Conversion of fraternal benefit society to mutual life insurance company
  • 20-877
  • Benefits not attachable
  • 20-879
  • Nonforfeiture benefits, cash surrender value, certificate loans and other options
  • 20-882
  • Applicable insurance provisions
  • 20-883
  • Tax exemption; exception
  • 20-886
  • Certificate of authority; termination
  • 20-887
  • Examination of societies; limitation on disclosure
  • 20-888
  • Admission of foreign or alien societies
  • 20-889
  • Injunction; delinquency or dissolution proceedings
  • 20-890
  • Licensing of insurance producers
  • 20-891
  • Unfair acts and practices
  • 20-892
  • Violation; classification
  • 20-893
  • Exemption of societies and associations and orders from insurance laws
Article 7Prepaid Dental Plan Organizations
  • 20-1002
  • Establishment of prepaid dental plan organizations
  • 20-1003
  • Application for certificate of authority
  • 20-1004
  • Issuance of certificate of authority
  • 20-1005
  • Deposit requirement; exception
  • 20-1006
  • Reserve requirement; exception
  • 20-1006.01
  • Risk-based capital requirements; minimum capital and surplus
  • 20-1007
  • Membership coverage by prepaid dental plan organizations
  • 20-1008
  • Examination of prepaid dental plan organization
  • 20-1015
  • Suspension or revocation of certificate of authority; civil penalties
  • 20-1016
  • Rehabilitation, liquidation or conservation of prepaid dental plan organization
  • 20-1018
  • Advertising matter or sales materials
  • 20-1019
  • Order of benefit determination for dental care
Article 8Lloyd's Associations
  • 20-1021
  • Lloyd's association defined
  • 20-1022
  • Forms of insurance authorized
  • 20-1024
  • Application for license; contents
  • 20-1026
  • Reserves for liabilities and losses
  • 20-1027
  • Liability of underwriters; limitation
  • 20-1028
  • Liability of additional or substituted underwriters; authority of deputy, substitute or successor attorney
  • 20-1030
  • Actions on policies or insurance contracts; process; judgments; costs
  • 20-1031
  • Deposit required of Lloyd's association
  • 20-1033
  • Laws applicable to Lloyd's association
Article 9Health Care Services Organizations
  • 20-1052
  • Establishment of health care services organizations
  • 20-1052.01
  • Establishment of provider sponsored health care services organizations; rules; limitations
  • 20-1053
  • Application for certificate of authority
  • 20-1054
  • Issuance of certificate of authority
  • 20-1057
  • Evidence of coverage by health care services organizations; renewability; definitions
  • 20-1057.01
  • Standing referrals to network health care professionals; definition
  • 20-1057.02
  • Prescription drug formulary; definitions
  • 20-1057.07
  • Health care services organizations; clinical trials; cancer; definitions
  • 20-1057.08
  • Prescription contraceptive drugs and devices; definition
  • 20-1057.09
  • Health care services organizations; varying copayments and deductibles allowed
  • 20-1057.10
  • Eosinophilic gastrointestinal disorder; formula
  • 20-1057.11
  • Health care services organizations; autism spectrum disorder; coverage; exceptions; definitions
  • 20-1057.12
  • Contracts; dentists; covered services; definition
  • 20-1057.13
  • Telehealth; coverage of health care services; definition
  • 20-1057.14
  • Cancer treatment medications; cost sharing; definition
  • 20-1057.15
  • Prescriptions; cost sharing; refills; dispensing fees; definition
  • 20-1057.18
  • Contracts; optometrists; covered services; definition
  • 20-1057.19
  • Biomarker testing; coverage; definitions
  • 20-1058
  • Examination of health care services organizations
  • 20-1059.01
  • Admitted assets; health care delivery assets
  • 20-1061
  • Prohibited practices; definition
  • 20-1063
  • Powers of insurers and hospital and medical service corporations
  • 20-1065
  • Suspension or revocation of certificate of authority; civil penalties
  • 20-1066
  • Rehabilitation, liquidation or conservation of health maintenance organization
  • 20-1068
  • Statutory construction and relationship to other laws
  • 20-1069.01
  • Right to open enrollment period; enrollees; definitions
  • 20-1071
  • Prohibition against excluding coverage because of previous tests for a condition
  • 20-1072
  • Nonliability of enrollees for provider or hospital charges; penalty
  • 20-1073
  • Eligibility; prohibiting cancellation because of eligibility for certain benefits
  • 20-1074
  • Contract termination; duty to report; provision for continued services during insolvency; definitions
  • 20-1075
  • Transactions with affiliates
  • 20-1077
  • Use of freestanding urgent care centers; policies
  • 20-1079
  • Individual health insurance policies; mandatory coverage exemption; definitions
Article 10Domestic Life and Disability Reinsurer
  • 20-1081
  • Domestic life and disability reinsurer
  • 20-1083
  • Law applicable to domestic life and disability reinsurers
  • 20-1092
  • Control of assets; definition
  • 20-1094
  • Approval of reinsurance agreements
Article 11Service Companies
  • 20-1095.01
  • Service companies; permits; rules; application of laws
  • 20-1095.04
  • Filing of surety bond, securities or bonds
  • 20-1095.07
  • Sale of unapproved service contract; violation; classification
  • 20-1095.08
  • Nonrenewal, revocation or suspension of permit
  • 20-1095.09
  • Unfair trade practices; violation of article; cease and desist order
Article 12Mechanical Reimbursement Reinsurers
  • 20-1096.01
  • Formation of mechanical reimbursement reinsurer; articles of incorporation
  • 20-1096.05
  • Annual reports; renewal of certificate of authority
  • 20-1096.08
  • Nonrenewal, revocation or suspension of certificate of authority
  • 20-1096.09
  • Cease and desist order; violation of article
Article 13Prepaid Legal Insurance
  • 20-1097.02
  • Certificate of authority; requirements; issuance
  • 20-1097.04
  • Prepaid legal insurance contract provisions
  • 20-1097.05
  • Prepaid legal insurance contracts; rates
  • 20-1097.08
  • Advertising and solicitation of legal services
  • 20-1097.09
  • Liability of corporation; civil penalty
  • 20-1097.10
  • Capital, surplus and reserve requirements
  • 20-1097.12
  • Annual statement and information; penalty
  • 20-1097.13
  • Suspension or revocation of authorization or registration; appeal; civil penalty; rules
Article 14Captive Insurers
  • 20-1098.03
  • Minimum capital and surplus; letter of credit; borrowed surplus
  • 20-1098.04
  • Formation of captive insurers; redomestication
  • 20-1098.06
  • Protected cell captive insurers; sponsors; participants
  • 20-1098.09
  • Grounds and procedures for license suspension or revocation
  • 20-1098.18
  • Captive insurance regulatory and supervision fund; purpose
  • 20-1098.19
  • Establishment of branch captive insurer
  • 20-1098.20
  • Security for branch business and branch operations
  • 20-1098.23
  • Confidentiality of information; exceptions
Article 15Vehicle Protection Products
  • 20-1099.01
  • Vehicle protection products; exemption from insurance code
  • 20-1099.02
  • Exemption from insurance code; requirements
Chapter 5
THE INSURANCE CONTRACT
Sec: 20-1101-20-1138
Article 1In General
  • 20-1104
  • Insurable interest with respect to personal insurance; definition
  • 20-1105
  • Insurable interest with respect to property insurance
  • 20-1106
  • Capacity to contract for insurance; minors
  • 20-1108
  • Admissibility of application as evidence
  • 20-1109
  • Statements as representation; effect of misrepresentation upon policy
  • 20-1110
  • Approval of forms; definition
  • 20-1110.01
  • Rules and regulations; form and readability of policies
  • 20-1111
  • Grounds for disapproval of forms
  • 20-1114
  • Incorporation of charter or bylaw into policy
  • 20-1117
  • Underwriters' and combination policies
  • 20-1118
  • Validity of noncomplying forms
  • 20-1119
  • Construction of policies; translation; disclaimer
  • 20-1121
  • Renewal of policy by certificate or endorsement
  • 20-1123
  • Annulment of liability policies
  • 20-1123.01
  • Motor vehicle liability insurance; primary and excess coverage
  • 20-1124
  • Discharge of insurer by payment under policy
  • 20-1125
  • Discharge of payor by payment of benefits under employee benefit plan or life insurance policy
  • 20-1126
  • Health care insurers; pharmacy benefits managers; cost sharing; calculation; definitions
  • 20-1128
  • Rights of spouse in life or disability policy
  • 20-1129
  • Furnishing of proof of loss forms by insurer
  • 20-1130
  • Administration of claim against insurer not deemed waiver of defense
  • 20-1131
  • Exemption of life insurance proceeds and cash values from creditors
  • 20-1132
  • Exemption of group life insurance proceeds from creditors; exception
  • 20-1133
  • Medicare supplement insurance; early enrollment discounts; applicability
  • 20-1135
  • Prohibition against excluding coverage because of previous tests for a condition
  • 20-1136
  • Accelerated payments of certain benefits in life insurance policies
  • 20-1137
  • Limited benefit coverage; prohibited practice; definition
  • 20-1138
  • Health insurance policies; member identification cards; applicability
Chapter 6
PARTICULAR TYPES OF INSURANCE
Sec: 20-1201-20-1694.02
Article 1Life Insurance and Annuities
  • 20-1202
  • Standard provisions required in life insurance policies
  • 20-1205
  • Application and policy as entire contract; statements in application as representations; information
  • 20-1208
  • Policy loan on old policies
  • 20-1209
  • Policy loan on new policies
  • 20-1209.01
  • Maximum rate of interest on policy loans; definitions
  • 20-1210
  • Nonforfeiture options in old policies
  • 20-1217
  • Excluded or restricted coverage
  • 20-1218
  • Standard provisions required in annuity and pure endowment contracts
  • 20-1220
  • Incontestability in annuities
  • 20-1221
  • Application and contract as entire contract in annuities
  • 20-1222
  • Misstatement of age in annuities
  • 20-1225
  • Standard provisions required in reversionary annuities
  • 20-1227
  • Incontestability after reinstatement
  • 20-1229
  • Authorized deductions from insurance proceeds
  • 20-1230
  • Prohibition of dual or multiple pay policies
  • 20-1231
  • Standard nonforfeiture law for life insurance
  • 20-1231.01
  • Standard nonforfeiture law for life insurance; table for calculating adjusted premiums; definitions
  • 20-1232
  • Standard nonforfeiture law for individual deferred annuities
  • 20-1233
  • Free look; annuity contracts
Article 1.1Replacement of Life Insurance Policies and Annuity Contracts
  • 20-1241.04
  • Duties of insurers that use insurance producers
  • 20-1241.05
  • Duties of replacing insurers that use insurance producers
  • 20-1241.07
  • Duties of insurers with respect to direct response solicitations
  • 20-1241.09
  • Rules; exemption from rule making procedures
Article 1.2Annuity Disclosure
  • 20-1242.02
  • Standards for the disclosure document and buyer's guide
  • 20-1242.05
  • Rules; exemption from rule making procedures
Article 1.3Protection in Annuity Transactions
  • 20-1243.03
  • Duties of insurers and producers; definitions
  • 20-1243.07
  • Producer training; annuities; continuing education
Article 2Group Life Insurance and Group Annuity Contracts
  • 20-1251
  • Requirements for group contracts
  • 20-1257
  • Coverage of dependents; definition
  • 20-1258
  • Standard provisions required in group life insurance policies
  • 20-1261
  • Attachment of application to policy; statements of persons insured as representations
  • 20-1262
  • Right to require evidence of individual insurability
  • 20-1266
  • Conversion on termination of eligibility
  • 20-1267
  • Conversion on termination of policy
  • 20-1270
  • Standard provisions required in group annuity contracts
  • 20-1271
  • Grace period in group annuity contracts
  • 20-1272
  • Documents constituting entire group annuity contract
  • 20-1273
  • Misstatements in group annuity contracts
  • 20-1274
  • Nonforfeiture benefits in group annuity contract
  • 20-1275
  • Group annuity contract certificates
  • 20-1276
  • "Employee life insurance" defined
  • 20-1277
  • Assignability of group life insurance
Article 3Industrial Life Insurance
  • 20-1304
  • Application and policy as entire contract; statements of applicant as representations
  • 20-1311
  • Authority to alter contract
  • 20-1312
  • Beneficiary; change of beneficiary; payment
  • 20-1314
  • Conversion of weekly premium policies
  • 20-1315
  • Conversion of monthly premium policies
  • 20-1317
  • Provisions inapplicable to single premium or term policies
Article 4Disability Insurance
  • 20-1342
  • Scope and format of policy; definitions
  • 20-1342.03
  • Disability insurance; clinical trials; cancer; definitions
  • 20-1342.04
  • Disability insurance policies; varying copayments and deductibles allowed
  • 20-1342.05
  • Eosinophilic gastrointestinal disorder; formula
  • 20-1342.06
  • Contracts; dentists; covered services; definition
  • 20-1342.07
  • Contracts; optometrists; covered services; definition
  • 20-1343
  • Policies issued for delivery in another state
  • 20-1344
  • Policy provisions required; omissions; substitutions
  • 20-1345
  • Policy and attachments as entire contract; changes in policy
  • 20-1354
  • Physical examination; autopsy
  • 20-1360
  • Other insurance in this insurer
  • 20-1361
  • Insurance with other insurers; provision of service or expense incurred basis
  • 20-1362
  • Insurance with other insurers
  • 20-1363
  • Relation of earnings to insurance
  • 20-1369
  • Arrangement of provisions in policy
  • 20-1371
  • Policy provision requirements of other jurisdictions
  • 20-1372
  • Effect of policy containing nonconforming provisions
  • 20-1374
  • Effective date of provisions; moratorium
  • 20-1375
  • Franchise disability insurance law
  • 20-1376
  • Prohibiting denial of certain contract benefits
  • 20-1376.01
  • Prohibiting denial of chiropractic contract benefits; direct reimbursement
  • 20-1376.02
  • Prohibiting denial of psychologist contract benefits
  • 20-1376.03
  • Prohibiting denial of contract benefits; nurses; reimbursement
  • 20-1376.04
  • Prohibiting denial of occupational or physical therapist contract benefits
  • 20-1376.05
  • Telehealth; coverage of health care services; definition
  • 20-1376.06
  • Cancer treatment medications; cost sharing; definition
  • 20-1376.07
  • Prescriptions; cost sharing; refills; dispensing fees; definition
  • 20-1376.10
  • Biomarker testing; coverage; definitions
  • 20-1377
  • Continuation of coverage under individual policies; requirements; exceptions; renewability
  • 20-1378
  • Eligibility; prohibiting cancellation because of eligibility for certain benefits
  • 20-1379
  • Guaranteed availability of individual health insurance coverage; prior group coverage; definitions
  • 20-1380
  • Guaranteed renewability of individual health coverage
  • 20-1381
  • Suspension of health care insurer obligation to issue coverage on a guaranteed issuance basis to eligible individuals
  • 20-1382
  • Health care insurers; reporting requirements
  • 20-1383
  • Individual health insurance policies; mandatory coverage exemption; definitions
  • 20-1384
  • Short-term limited duration insurance; notice; definitions
Article 5Group and Blanket Disability Insurance
  • 20-1401.01
  • Group disability insurers; notice; copies
  • 20-1402
  • Provisions of group disability policies; definitions
  • 20-1402.01
  • Group disability insurance; clinical trials; cancer; definitions
  • 20-1402.02
  • Eosinophilic gastrointestinal disorder; formula
  • 20-1402.03
  • Group disability insurers; autism spectrum disorder; coverage; exceptions; definitions
  • 20-1402.04
  • Contracts; dentists; covered services; definition
  • 20-1402.05
  • Contracts; optometrists; covered services; definition
  • 20-1403
  • Direct payment of hospital and medical services
  • 20-1404
  • Blanket disability insurance; definitions
  • 20-1404.01
  • Blanket disability insurance; clinical trials; cancer; definitions
  • 20-1404.02
  • Eosinophilic gastrointestinal disorder; formula
  • 20-1404.03
  • Blanket disability insurers; autism spectrum disorder; coverage; exceptions; definitions
  • 20-1404.04
  • Contracts; dentists; covered services; definition
  • 20-1404.05
  • Contracts; optometrists; covered services; definition
  • 20-1405
  • Provisions of group and blanket disability policy
  • 20-1406
  • Prohibiting denial of certain contract benefits
  • 20-1406.01
  • Prohibiting denial of chiropractic contract benefits; direct reimbursement
  • 20-1406.02
  • Prohibiting denial of psychologist contract benefits
  • 20-1406.03
  • Prohibiting denial of contract benefits; nursing; reimbursement
  • 20-1406.04
  • Prohibiting denial of occupational or physical therapist contract benefits
  • 20-1406.05
  • Telehealth; coverage of health care services; definition
  • 20-1406.06
  • Cancer treatment medications; cost sharing; definition
  • 20-1406.07
  • Prescriptions; cost sharing; refills; dispensing fees; definition
  • 20-1406.10
  • Biomarker testing; coverage; definitions
  • 20-1408
  • Right to obtain individual policy; requirements; exceptions; definition
  • 20-1409
  • Right to open enrollment period; insureds; definition
  • 20-1410
  • Mail order prescription drugs; prohibition
  • 20-1411
  • Eligibility; prohibiting cancellation because of eligibility for certain benefits
  • 20-1412
  • Group and blanket disability insurance policies or contracts; varying copayments and deductibles allowed
Article 6Group Excess Liability Insurance Policies
  • 20-1492
  • Group excess liability insurance; eligible groups
  • 20-1493
  • Group excess liability insurance policy; premiums; cancellation; requirements
Article 7Property Insurance
  • 20-1503
  • Arizona standard fire policy
  • 20-1504
  • Variations from standard policy format and page numbers
  • 20-1505
  • Policy description of insurer
  • 20-1506
  • Provisions required by charter or laws of other states
  • 20-1507
  • Riders; endorsements; additional perils
  • 20-1508
  • Designation as standard policy; producer's name
  • 20-1509
  • Loss or damage caused by nuclear reaction, or nuclear radiation or radio-active contamination not covered by Arizona standard fire policy
  • 20-1510
  • Homeowner's or renter's insurance; dog breeds; prohibitions; definitions
Article 8Surety Insurance
  • 20-1531
  • Sole surety on official bonds
  • 20-1532
  • Venue of actions against surety insurers
  • 20-1533
  • Surety companies; arrest bond certificates issued by motor clubs; definition
  • 20-1534
  • Guaranteed arrest bond certificate; cash bail or other bond; forfeiture
Article 8.1Mortgage Guaranty Insurance
  • 20-1543
  • Limitation on geographic concentration
  • 20-1547
  • Mortgage guaranty insurance as monoline
  • 20-1548
  • Underwriting discrimination
  • 20-1549
  • Policy forms and premium rates filed
  • 20-1550
  • Minimum policyholder position; definitions
  • 20-1551
  • Rebates, commissions and charges
  • 20-1552
  • Compensating balances prohibited
  • 20-1559
  • Mortgage guaranty insurers; dividend payment
Article 9Title Insurers
  • 20-1561
  • Law governing title insurers
  • 20-1567
  • Determination of insurability required
  • 20-1569
  • Amount of unearned premium reserve; release
  • 20-1570
  • Maintenance of the unearned premium reserve
  • 20-1571
  • Use of the unearned premium reserve on liquidation, dissolution or insolvency
  • 20-1572
  • Reserve for unpaid losses and loss expense
  • 20-1575
  • Foreign title insurers; resident agent required
  • 20-1576
  • Mergers and consolidations of title insurers
  • 20-1577
  • Corporate acquisitions other than by merger or consolidation
  • 20-1578
  • Purchase or acquisition of controlling stock
  • 20-1580
  • Title insurance agents to be licensed
  • 20-1581
  • Title insurance agents; books; records; revocation of license
  • 20-1582
  • Title insurance agents; replies to inquiries by director
  • 20-1583
  • Title insurance agencies; use of corporate names
  • 20-1585
  • Commissions; other considerations prohibited
  • 20-1587
  • Personal or controlled insurance
  • 20-1588
  • Examination of records; order; notice
  • 20-1591
  • Forms of policies and other contracts of title insurance; approval or disapproval
Article 10Consumer Credit Insurance
  • 20-1604
  • Types of consumer credit insurance
  • 20-1605
  • Maximum amount of credit life insurance
  • 20-1606
  • Maximum amount of credit disability insurance and credit unemployment insurance
  • 20-1606.01
  • Credit unemployment insurance; provisions
  • 20-1608
  • Policy provisions and disclosures
  • 20-1609
  • Filing, approval and disapproval of forms
  • 20-1610
  • Premiums for consumer credit insurance; approval or disapproval of rates
  • 20-1612
  • Authorization for issuance of policies
  • 20-1613
  • Reporting and settlement of claims
  • 20-1614
  • Debtor's option in satisfying security
  • 20-1616
  • Cease and desist order; hearing
Article 10.1Credit Property Insurance
  • 20-1621.02
  • Amount; term; coverage; prohibited practices
  • 20-1621.03
  • Disclosure to debtors; provisions of policies; certificates of insurance
  • 20-1621.04
  • Rates and forms; filing; approval; withdrawal of approval
  • 20-1621.05
  • Reasonableness of benefits in relation to premium charged
  • 20-1621.07
  • Cancellation and refund of unearned premium
Article 11Cancellation or Nonrenewal of Motor Vehicle Insurance
  • 20-1631
  • Definition of motor vehicle; cancellation of or failure to renew coverage; limitations; limitation of liability; exceptions; insurance producers; definitions
  • 20-1632
  • Cancellation, nonrenewal and reduction of limits for reasons other than nonpayment of premium; notices to insured; refund of unearned premium
  • 20-1632.01
  • Cancellation or nonrenewal for nonpayment of premium; grace period; notice of cancellation; discrimination; definition
  • 20-1633
  • Objections; investigation; determination
Article 12Cancellation or Nonrenewal of Insurance
  • 20-1651
  • Application; types of risks
  • 20-1652
  • Grounds for valid notice of cancellation; inquiries; definitions
  • 20-1653
  • Sending notice of cancellation or nonrenewal to insured; statement of grounds and facts on which cancellation or nonrenewal is based
  • 20-1654
  • Sending notice of intention not to renew to insured; time; term of policy
  • 20-1655
  • Liability of insurer and representatives for statements in notice of cancellation, other communication or evidence given in court relating to cancellation
  • 20-1656
  • Proof of sending as proof of notice
Article 13Mass Marketed Life or Health Insurance
  • 20-1662
  • Requirements to transact mass marketed insurance
  • 20-1663
  • Unreasonable mass marketed insurance prohibited; hearing; findings; rules
Article 14Cancellation or Nonrenewal of Commercial Insurance
  • 20-1673
  • Grounds for valid cancellation
  • 20-1674
  • Notice of cancellation; refund of unearned premium
  • 20-1675
  • Liability of insurer and representatives for statements in notice of cancellation, other communication or evidence given in court relating to cancellation
  • 20-1677
  • Notice of premium or coverage changes
  • 20-1679
  • Application and effective date
Article 15Long-Term Care Insurance
  • 20-1691.03
  • Limitations of long-term care insurance policies
  • 20-1691.04
  • Requirements for certain group coverage
  • 20-1691.12
  • Insurance producer training course requirements
Article 16Adopted Child Coverage
  • 20-1692.02
  • Eligibility under title XIX of the social security act
Article 17Portable Electronics Insurance
  • 20-1693.02
  • Portable electronics insurance; requirements; disclosures
  • 20-1693.03
  • Portable electronics vendors; authority; charges for portable electronics insurance; accounting
  • 20-1693.05
  • Termination of portable electronics insurance; notice; cancellation
Article 18Identity Theft Group Insurance Policies
  • 20-1694.01
  • Identity theft group insurance; eligible groups
  • 20-1694.02
  • Identity theft group insurance policy; premiums; cancellation; requirements
Chapter 7
PROFESSIONAL LIABILITY INSURANCE
Sec: 20-1721-20-1742
Article 2Health Care Insurers
  • 20-1721
  • Health care insurers; policy limits; eligibility; rates; applicability to other insurers; restrictions
  • 20-1722
  • Deposit; surplus requirements
  • 20-1723
  • Exemption from mandatory participation in certain plans and associations
  • 20-1724
  • Sale of professional liability insurance coverage for licensed health care providers by insurers other than by health care insurance companies; requirements; exemptions
Article 3Insurance Review Committees
  • 20-1731
  • Immunity for serving on or furnishing information to insurance review committees
Article 4Reporting Requirements
  • 20-1741
  • Annual statement to include certain claims and premium information
  • 20-1742
  • Insurers to report malpractice claims and actions; definition
Chapter 8
LIFE CARE CONTRACTS
Sec: 20-1801-20-1812
Article 1General Provisions
  • 20-1802
  • Permit required; application; definition
  • 20-1805
  • Recording of lien by director
  • 20-1807
  • Annual report; civil penalty
  • 20-1808
  • Ratio of assets to liabilities; report; rehabilitation of provider
  • 20-1812
  • Disclosure statement; contents; refunds
Chapter 9
AUTOMOBILE THEFT, FIRE AND ARSON REPORTING IMMUNITY
Sec: 20-1901-20-1907
Article 1General Provisions
  • 20-1903
  • Immunity from liability for disclosure of information
  • 20-1904
  • Confidentiality of information
  • 20-1905
  • Authorized agency as witness
Chapter 11
INSURANCE INFORMATION AND PRIVACY PROTECTION
Sec: 20-2101-20-2122
Article 1General Provisions
  • 20-2103
  • Pretext interviews; exception
  • 20-2104
  • Notice of insurance information practices
  • 20-2105
  • Marketing and research surveys; disclosure of questions
  • 20-2106
  • Content of disclosure authorization forms
  • 20-2107
  • Investigative consumer reports
  • 20-2108
  • Access to recorded personal information
  • 20-2109
  • Correction, amendment or deletion of recorded personal information
  • 20-2110
  • Reasons for adverse underwriting decisions
  • 20-2111
  • Information concerning previous adverse underwriting decisions
  • 20-2112
  • Previous adverse underwriting decisions
  • 20-2113
  • Disclosure limitations and conditions
  • 20-2113.01
  • Consumer reporting agency; sale of information obtained by insurance inquiry prohibited; exceptions
  • 20-2115
  • Service of process; insurance support organizations
  • 20-2116
  • Cease and desist order and reports
  • 20-2120
  • No limitation of common law right
  • 20-2121
  • Enforcement of privacy provisions of Gramm Leach Bliley act
  • 20-2122
  • Partial exemption for health insurers subject to HIPAA
Chapter 12
JOINT UNDERWRITING ASSOCIATION
Sec: 20-2201-20-2221
Article 1General Provisions
  • 20-2201
  • Voluntary plans; assessments; fund
  • 20-2202
  • Joint underwriting association; establishment
  • 20-2203
  • Powers of the joint underwriting association
  • 20-2204
  • Directors; election; appointment
  • 20-2205
  • Plan of operation; contents
  • 20-2206
  • Approval of plan of operation
  • 20-2207
  • Amendments to the plan of operation
  • 20-2208
  • Policies issued by the association; claims-made basis
  • 20-2209
  • Claims-made policy; cancellation
  • 20-2210
  • Occurrence riders; premiums; assessments
  • 20-2212
  • Deficits; equitable assessments; premium tax credits
  • 20-2213
  • Initial assessment; temporary contribution by members
  • 20-2214
  • Member participation in writings, expenses, servicing allowance, management fees and losses
  • 20-2215
  • Appeal by applicants to the association; order
  • 20-2217
  • Annual examination by the director
  • 20-2218
  • Costs; charge to the association
  • 20-2219
  • Liability of the association
  • 20-2220
  • Prohibition from membership in Arizona guaranty fund
Chapter 13
ACCOUNTABLE HEALTH PLANS
Sec: 20-2301-20-2341
Article 1Accountable Health Plans
  • 20-2301
  • Definitions; late enrollee coverage
  • 20-2303
  • Approval as accountable health plan; definition
  • 20-2304
  • Availability of insurance; premium tax exemption
  • 20-2306
  • Use of uniform employee health status questionnaire
  • 20-2307
  • Eligibility; annual open enrollment period
  • 20-2310
  • Discrimination prohibited; preexisting conditions; wellness programs
  • 20-2311
  • Premium rates and rating practices
  • 20-2321
  • Maternity benefits; adoption; coverage
  • 20-2322
  • Mental health services and benefits; definitions
  • 20-2324
  • Bona fide associations; definitions
  • 20-2325
  • Diabetes; equipment; supplies
  • 20-2326
  • Drugs; cancer treatment; definitions
  • 20-2327
  • Metabolic disorders; medical foods; definitions
  • 20-2328
  • Accountable health plans; clinical trials; cancer; definitions
  • 20-2329
  • Prescription contraceptive drugs and devices; definition
  • 20-2330
  • Continuation of small group coverage; notice; duration; definitions
  • 20-2331
  • Accountable health plans; varying copayments and deductibles allowed
  • 20-2332
  • Eosinophilic gastrointestinal disorder; formula
Article 2Uninsured Small Business Health Insurance Plans
  • 20-2341
  • Uninsured small business health insurance plans; mandatory coverage exemption; definitions
Chapter 14
RISK RETENTION GROUPS
Sec: 20-2401-20-2414
Article 1General Provisions
  • 20-2402
  • Risk retention groups chartered and licensed in this state; definitions
  • 20-2403
  • Risk retention groups not chartered and licensed in this state
  • 20-2406
  • Purchasing groups; exemption from certain laws relating to the group purchase of insurance
  • 20-2407
  • Notice and registration requirements of purchasing groups
  • 20-2408
  • Restrictions on insurance purchased by purchasing groups
  • 20-2409
  • Administrative and procedural authority regarding risk retention groups and purchasing groups
  • 20-2411
  • Duty of insurance producer to obtain license
  • 20-2412
  • Binding effect of orders issued in United States district court
Chapter 15
UTILIZATION REVIEW
Sec: 20-2501-20-2542
Article 1General Provisions
  • 20-2502
  • Utilization review activities; exemptions
  • 20-2503
  • Utilization review standards; applicability; definition
  • 20-2504
  • Utilization review agents; certification; rules
  • 20-2505
  • Application for certification
  • 20-2506
  • Certification; responsibilities of department; cost recovery
  • 20-2508
  • Denial, suspension or revocation of certificates; hearing; civil penalties
  • 20-2510
  • Health care insurers requirements; medical directors
  • 20-2511
  • Violation; injunctive relief
Article 2Health Care Appeals
  • 20-2531
  • Applicability; requirements; exception
  • 20-2532
  • Utilization review standards and criteria; requirements
  • 20-2533
  • Denial; levels of review; disclosure; additional time after service by mail; review process
  • 20-2534
  • Expedited medical review; expedited appeal
  • 20-2537
  • External independent review; expedited external independent review
  • 20-2538
  • Independent review organizations
Chapter 16
VARIABLE LIFE PRODUCTS
Sec: 20-2601-20-2662
Article 1Variable Life Insurance
  • 20-2602
  • Requirements applicable to insurers issuing variable life insurance
  • 20-2604
  • Variable life insurance policy and filing requirements
  • 20-2605
  • Reserve liabilities for variable life insurance
  • 20-2608
  • Variable life insurance policy application requirements
  • 20-2610
  • Foreign companies; compliance with laws of domiciliary state
Article 2Variable Annuities
  • 20-2632
  • Qualifications to issue variable annuities
  • 20-2633
  • Separate account; annuities
  • 20-2634
  • Filing of contracts; approval
  • 20-2636
  • Nonforfeiture benefits; exceptions; definition
Article 3Agent Qualifications
  • 20-2661
  • Scope of article; definitions
  • 20-2662
  • Insurance producer qualifications; reports
Chapter 17
ACCESS TO EMERGENCY HEALTH CARE
Sec: 20-2801-20-2804
Article 1General Provisions
  • 20-2803
  • Emergency services access; prior authorization; requirements
  • 20-2804
  • Utilization review; medically necessary emergency services
Chapter 18
CONTINUING EDUCATION
Sec: 20-2901-20-2904
Article 1General Provisions
  • 20-2902
  • Continuing education requirements; nonresident license in another state; nonresident license in this state
  • 20-2904
  • Continuing education; contractor requirements; automatic approval
Chapter 20
TIMELY PAYMENT OF CLAIMS
Sec: 20-3101-20-3119
Article 1General Provisions
  • 20-3102
  • Timely payment of health care providers' claims; grievances
Article 2Out-of-Network Claim Dispute Resolution
  • 20-3113
  • Surprise out-of-network bill; requirements; notice
  • 20-3114
  • Dispute resolution; settlement teleconference; arbitration; surprise out-of-network bills
  • 20-3115
  • Conduct of arbitration proceedings
  • 20-3117
  • Dispute resolution; notice of rights
  • 20-3118
  • Surprise out-of-network bills; annual report
Chapter 21
HEALTH CARE INSURER LIABILITY
Sec: 20-3151-20-3155
Article 1General Provisions
  • 20-3153
  • Health care insurer liability
  • 20-3154
  • Health care appeals; admissibility
  • 20-3155
  • Notice of intent to file suit
Chapter 22
LIFE SETTLEMENTS
Sec: 20-3201-20-3215
Article 1General Provisions
  • 20-3204
  • Provider and broker disclosures to owners; violation; classification
  • 20-3207
  • Conduct of examinations; examination reports; confidentiality
  • 20-3208
  • Conflict of interest; examiners
  • 20-3210
  • Annual statements; record retention
  • 20-3211
  • Contract requirements; execution; rescission; definition
  • 20-3214
  • Injunctions; civil remedies; cease and desist
Chapter 23
INTERSTATE INSURANCE PRODUCT REGULATION COMPACT
Sec: 20-3251
Article 1General Provisions
  • 20-3251
  • Interstate insurance product regulation compact
Chapter 24
INSURANCE COMPLIANCE AUDIT PRIVILEGE
Sec: 20-3301-20-3302
Article 1General Provisions
  • 20-3302
  • Insurance compliance audit privilege; requirements
Chapter 25
PHARMACY BENEFITS
Sec: 20-3321-20-3343
Article 1Auditing
  • 20-3322
  • Audit procedures; interest prohibition; claim payment reduction
Article 2Pharmacy Benefit Managers
  • 20-3331
  • Pharmacy benefit managers; requirements; applicability
  • 20-3332
  • Prohibition against claim adjudication process fees; civil remedies
  • 20-3333
  • Certificates of authority; issuance; revocation; renewal; civil penalties; rules
  • 20-3334
  • Records retention; schedule
Article 3340B Pharmacies
  • 20-3343
  • 340B drug program; 340B covered entities; pharmacies; drug coverage
Chapter 26
PRIOR AUTHORIZATION FOR CERTAIN HEALTH CARE SERVICES
Sec: 20-3401-20-3406
Article 1General Provisions
  • 20-3402
  • Prior authorization; exceptions
  • 20-3403
  • Prior authorization requirements; disclosures; access
  • 20-3404
  • Prior authorization requirement timelines
  • 20-3405
  • Prior authorization of prescription drugs for chronic pain conditions
  • 20-3406
  • Uniform prior authorization request forms; definition
Chapter 27
PROVIDER CREDENTIALING
Sec: 20-3451-20-3459
Article 1General Provisions
  • 20-3452
  • Requirements for electronic application submission
  • 20-3453
  • Credentialing; loading; timelines; exception
  • 20-3454
  • Acknowledgement of receipt of an application; notification of incomplete applications
  • 20-3455
  • Reported discrepancies; corrective action
  • 20-3457
  • Availability of credentialing information; policies
  • 20-3459
  • Civil immunity; enforcement; civil penalty
Chapter 28
MENTAL HEALTH PARITY
Sec: 20-3501-20-3505
Article 1General Provisions
  • 20-3502
  • Compliance with federal law; report
  • 20-3504
  • Access to behavioral health services for minors
  • 20-3505
  • Mental health parity advisory committee; members
Chapter 29
TRAVEL INSURANCE
Sec: 20-3551-20-3558
Article 1General Provisions
  • 20-3553
  • Limited lines travel insurance producer licensing
  • 20-3556
  • Sales practices; definition
  • 20-3558
  • Travel insurance classification and filing
Chapter 30
CREDIT FOR REINSURANCE
Sec: 20-3601-20-3605
Article 1General Provisions
  • 20-3601
  • Definitions of qualified United States financial institution
  • 20-3602
  • Credit allowed a domestic ceding insurer; definition
  • 20-3603
  • Asset or reduction from liability for reinsurance ceded by a domestic insurer to an assuming insurer
  • 20-3605
  • Reinsurance agreements affected
Chapter 31
STEP THERAPY
Sec: 20-3651-20-3654
Article 1General Provisions