Michigan

500.100 Insurance code of 1956; short title.

500.102 Definitions.

500.103 “Revenue commissioner” defined.

500.106 "Health maintenance organization" and "insurer" defined.

500.108 Authorized, unauthorized insurer; definitions.

500.110 Domestic, foreign, alien; definitions.

500.114 Person; definition.

500.115 Definitions.

500.116 Additional definitions.

500.118 Treatment of alien insurer as foreign insurer.

500.120 Insurance, surety, or health maintenance organization transactions; compliance with act.

500.121 Surety; rights; remedies; relief.

500.122 Applicability of Michigan antitrust reform act.

500.124 Exceptions.

500.125 Service contract not subject to act; "consumer product" and "service contract" defined.

500.126 Waiver of customer liability agreement; definitions.

500.127 Guaranteed asset protection waiver; certificate of authority or license not required; issuance not construed as insurance; definitions.

500.128 Additional exceptions.

500.129 Medical retainer agreement not subject to act.

500.130 Peer-to-peer car sharing program; shared vehicle; insured interest.

500.132 Saving clause; incumbent officers.

500.134 Validity of certificate of authority or license in force prior to January 1, 1957; validity of plan of operation and premium or assessment; association or facilit

500.140 Saving clause; existence of domestic insurer continued.

500.142 Repealed.

500.150 Violation of act; hearing; order of director; penalties; court order.

500.200 Insurance department; establishment.

500.202 Insurance commissioner; qualifications, office, term, appointment, approval, vacancy.

500.204 Insurance commissioner; salary; oath; bond.

500.205 Commissioner; powers.

500.206 Insurance commissioner; seal, approval, renewal.

500.208 Office of financial and insurance services; offices; expense; audit.

500.210 Insurance commissioner; regulatory powers.

500.212 Deputies, chief clerk and accountant, examiners, clerks, actuaries, and other assistants; oath; powers and duties; hearings; rights of parties; revocation of appo

500.214 Commissioner; immunity from civil liability; conditions.

500.216 Insurance commissioner and employees; traveling and other expenses.

500.220 Insurance commissioner and employees; service fees, prohibited gifts.

500.221 Insurance compliance self-evaluative audit document; privilege; disclosure; exceptions; definitions.

500.222 Examination of insurers; examination report; hearing; public inspection; disclosure of confidential information; effect of current examination; director's authori

500.223 Application for certificate of authority; fee; withdrawal of application; reapplication fee; disposition.

500.224 Examinations and investigations of insurers; expenses; statement to insurers; employment of expert personnel; regulatory fees; expense of administering delinquenc

500.224a Report relating to regulatory fees.

500.224b Repealed.

500.225 Insurance bureau fund; creation; deposit of fees; reversion to general fund; use of fund.

500.225a Contract for services, supplies, and materials.

500.226 Disclosure of confidential information; penalty.

500.228 Examinations and investigations of insurers; report of crimes to attorney general.

500.230 Recovery of penalty; disposition of funds.

500.234 Insurance department; records of office; public inspection, exceptions, destruction, rules and regulations.

500.236 Repealed.

500.238 Insurance commissioner; annual report to governor, contents, publication.

500.240 Fees and charges; collection, payment, and disposition.

500.244 Judicial review.

500.246 Repealed.

500.248 Violations of act; actions; perjury.

500.249 Insurance commissioner; investigations of agents, adjusters, counselors, managers, promoters, officers and directors.

500.249a Fingerprints required; costs; providing criminal history records.

500.250 Insurers; stock transfer; officers or directors; appointment; notice to director; grounds for removal; hearing; order; civil immunity; review; "insurer" defined.

500.251 Cease and desist order.

500.261 Internet website; publication of changes and rights regarding automobile insurance in this state; reporting of fraud and unfair practices.

500.271 Report to legislature on the effect of the limits imposed on charges for products, services, and accommodations under MCL 500.3157.

500.402 Insurers; certificate of authority requirement.

500.402a Transactions of insurance requiring certificate of authority.

500.402b Transactions of insurance not requiring certificate of authority.

500.402c Motor vehicle rental company; insurance transaction; definitions.

500.403 Insurers; authorization to do business.

500.404 Insurers; financial conditions; compliance required.

500.405 Foreign insurer; revocation of certificate of authority; conditions; requalification for certificate of authority if control acquired; determination.

500.405a Insurer subject to delinquency proceedings; revocation of certificate of authority; conditions.

500.405b Requalification pursuant to MCL 500.405 or 500.405a; formal review.

500.406 Foreign insurer; limitation on corporate purposes and powers; election of statute; denial of admission or authority; continuation of license to transact insurance

500.407 Authorization to transact kinds of insurance; exceptions.

500.407a Noninsured benefit plan; offering and writing excess loss insurance; definition; authority of insurer not limited.

500.408 Insurers; capital, surplus, or asset requirement; schedule; multiple lines; provisions for transacting certain insurance; applicability of section; compliance wit

500.410 Minimum amount of unimpaired capital and surplus; minimum amount and use of additional surplus; transacting life insurance or property insurance; continuing to tr

500.410a Bail bond surety and fidelity insurance company; authority to transact insurance.

500.411 Deposits required to transact insurance.

500.412 Procedure for becoming domestic insurer.

500.413 Transfer of domicile of domestic insurer to another state; effect of transfer; approval of transfer; “U.S. branch” defined.

500.414 Certificate of authority, agent's appointments, licenses, rates, and other items of transferring insurer continue in full force and effect; outstanding policies r

500.415 Rules.

500.416 Special deposit.

500.417 Repealed.

500.418 Identification of payers subject to child support arrearages; "title IV-D agency" defined.

500.422 Repealed.

500.424 Admission of foreign or alien insurer to state; application; report of financial standing; issuance of certificate of authority; filing fees.

500.425, 500.426 Repealed.

500.430 Repealed.

500.431 Definitions.

500.431a State of entry by alien insurer through U.S. branch; requirements.

500.431b U.S. branch using state as state of entry to transact insurance; compliance.

500.431c Trusteed assets; value.

500.432 Trust agreement and amendments; authentication; withdrawal of approval; form; hearing; modifications or variations; contents and provisions of trust agreement; wi

500.432a Certificate of authority to do business; issuance or amendment to U.S. branch; proof that insurer will not violate act or charter; noncompliance.

500.433 Trusteed assets below minimum required; proceeding against alien insurer.

500.434 Repealed.

500.435 Certificate of authority as evidence of authority to transact insurance; duration of certificate; certificate as property of state; prerequisites to termination o

500.436 Conditions for suspension, revocation, or limitation of certificate of authority; "insurer" defined.

500.436a Continuing operation of insurer transacting insurance in state or nonprofit dental corporation operating under MCL 550.351 to 550.373; standards; subscription to

500.436b Certificate of authority limited by order of commissioner.

500.437 Proceeding for suspension, revocation, or limitation of certificate of authority; notice; imposition of conditions in order of limitation.

500.438 Annual statement; filing; extensions; format and content; reply to inquiries; availability of report to public; penalty for failure to file statement or reply to

500.438a Domestic, foreign, and alien insurers; filing annual statement with national association of insurance commissioners; foreign insurers considered in compliance wi

500.439 Repealed.

500.440 Repealed.

500.440a Credit against tax imposed by MCL 500.476a; claim; refund; retroactive application.

500.441, 500.442 Repealed.

500.443 Foreign insurer; payment of quarterly installments of estimated tax; filing statement with revenue commissioner.

500.444 Collection of delinquent taxes with interest or penalty.

500.445 Delinquency as bar to granting certificate of authority.

500.446 Repealed.

500.448, 500.449 Repealed.

500.450 Repealed.

500.451 Taxes on unauthorized insurers; regulatory fee; payment; delinquency.

500.454 Name of insurer.

500.456 Legal process served on resident agent effective as personal service on company, association, or group; stipulation; filing copy of appointment; fee; duration of

500.457 Repealed.

500.460 Insurance producer to write or place insurance policies.

500.462 Signature of insurance producer on application for life or disability insurance.

500.464 Additional deposits by domestic insurers.

500.470 Repealed.

500.476 Repealed.

500.476a Alien or foreign insurers; deposit of securities or making certain payments; computation; revocation of certificate of authority; purpose of section; domestic in

500.476b Taxes to which authorized insurer subject.

500.476c Repealed.

500.478 NAIC report of activities.

500.479 Imposition of fee by NAIC.

500.480 Definitions.

500.501 Scope of chapter.

500.503 Definitions.

500.505 Notice and opt out requirements.

500.507 Privacy policies and practices; notice.

500.509 Customer relationship; time of establishment; continuing relationship; revised privacy notice for new insurance product or service.

500.511 Initial notice; conditions; delivery.

500.513 Annual notice required; “annually” defined; exception.

500.515 Initial, annual, and revised notices; information required; disclosure of nonpublic personal financial information.

500.517 Initial notice requirements for consumer not a customer; short-form initial notice; delivery.

500.519 Opt out notice; requirements.

500.521 Opt out notice to joint consumers.

500.523 Consumer's opt out direction; compliance requirements.

500.525 Disclosure of nonpublic personal financial information to nonaffiliated third party.

500.527 Receipt of notice.

500.529 Disclosure of nonprofit personal financial information to nonaffiliated third party; reasonable opportunity; opt out notice.

500.531 Receipt of nonpublic personal financial information from nonaffiliated financial institution; limitation on disclosure.

500.533 Disclosure of policy or account number.

500.535 Applicability of opt out requirements in MCL 500.519 and 500.529; “joint agreement” defined.

500.537 Applicability of MCL 500.507(1)(c), 500.519, 500.529, and 500.535; “necessary to effect, administer, or enforce a transaction” defined.

500.539 Applicability of MCL 500.507(1)(c), 500.519, 500.529, and 500.535.

500.540 Use or disclosure of nonpublic personal financial information by certain associations or facilities.

500.541 Operation of fair credit reporting act; construction of chapter.

500.543 Consumer opting out from disclosure; discrimination prohibited.

500.545 Contract of licensee with nonaffiliated third party; effect of agreement entered before or on July 1, 2000.

500.547 Protection of customer records and information; adoption of guidelines for administrative, technical, and physical safeguards.

500.550 Private cause of action not created; exclusive standards.

500.553 Definitions.

500.555 Comprehensive written information security program; requirements; duties of licensee and board of directors; third-party service provider; incident response plan;

500.557 Occurrence of cybersecurity event; investigation; maintenance of records.

500.559 Notification of cybersecurity event involving nonpublic information; duty to update and supplement notifications to director; contents; application to third-party

500.561 Notice of cybersecurity event to residents of this state; conditions and requirements; duties of licensee; substitute notice; notification to certain consumer rep

500.563 Confidentiality; use of documents, materials, or other information; duties of director.

500.565 Exemption for certain licensees; timeline for implementation and compliance.

500.600 Insurance; definitions applicable.

500.602 “Life” insurance, “transaction of life insurance,” and “life insurance companies” defined.

500.603 Definitions; accelerated benefits; acknowledgment; disclosures; waiver of premium; qualifying event; powers of insurer; pro rata reduction in cash value; actuaria

500.606 Disability insurance; definition.

500.607 Group disability insurance; definition.

500.608 "Health" and "health insurance policy" defined.

500.610 Property insurance; definition.

500.614 Marine insurance; definition.

500.616 Inland navigation and transportation insurance; definition.

500.618 “Legal expense insurance” defined.

500.620 Automobile insurance (limited); definition.

500.624 “Casualty” defined; combination with property insurance.

500.625 Automobile passenger and liability coverage; expense or disability coverage included.

500.628 Surety and fidelity insurance; definition.

500.632 Insurers; nonprofit dental care corporation; reinsurance; authorization.

500.636 Repealed.

500.640 Insurers; limitation of risk; exceptions; "title insurance" and "title insurer" defined.

500.644 Life, disability, and loss of position insurers; limit of risk.

500.701 Definitions.

500.702 Health insurance reserves; determination of adequacy; basis.

500.703 Claim reserves and claim expense reserves required; conditions; testing for adequacy and reasonableness.

500.705 Disability income claim reserves; maximum interest rate; morbidity standards specified in rules; exception; group disability income claim reserves; duration from

500.707 Health insurance benefits other than disability income; claim reserves maximum interest rate; basis of claim reserve.

500.709 Estimation of claim liabilities; methods.

500.711 Unearned premium reserves; treatment of premiums due and unpaid; discount of certain gross premiums paid in advance.

500.713 Minimum unearned premium reserve; basis; sum of unearned premium and contract reserves; limitation.

500.715 Premium reserves; computation.

500.717 Contract reserves; required for certain policies and certificates; exception; addition to claim and premium reserves; methods and procedures; date of incurral def

500.719 Morbidity standards; rules; structure of valuation net premiums; valuation of health insurance policies and certificates for which tabular morbidity standards not

500.721 Application of alternative method or basis to contract reserve; assumptions; methods to determine sound value of liabilities.

500.723 Tabular reserves; annual review; increments; restriction of future gross premiums; establishment of contract reserves for insufficiency in aggregate.

500.725 Reinsurance; determination of increases to, or credit against, reserves.

500.729 Individual insurance policies; minimum morbidity standards for disability income benefits; basis of contract reserve standards for certain hospital, surgical, and

500.731 Disability benefits for group health insurance certificates; minimum morbidity standards.

500.733 Maximum interest rates.

500.735 Mortality basis; use of other mortality tables; request for approval.

500.737 Rules.

500.808 Stock or mutual insurers; unearned premium reserves, pro rata basis, computation.

500.810 Reserves; computation; additional reserves; plan to restore compliance; effect of noncompliance; examination of reserve practices and investment incomes.

500.811 Repealed.

500.812 Repealed.

500.813 Repealed.

500.814 Certification of loss reserves.

500.814a Statement of actuarial opinion; filing requirements; confidentiality; Michigan automobile insurance placement facility not property and casualty insurer.

500.815 Computation of unearned premium reserve on mortgage guaranty insurance.

500.815a Establishment of contingency reserve by mortgage guaranty insurer.

500.816 Repealed.

500.817 Repealed.

500.818, 500.822 Repealed.

500.830 Life insurance policies and annuity and pure endowment contracts; life insurance contracts, annuity and pure endowment contracts, accident and health contracts, a

500.830a Life insurance; actuarial opinion; form; submission to director; liability of actuary; “qualified actuary” defined; limitation; public hearing; company with outs

500.831 Domestic insurer's business in foreign country; variance of mortality standard.

500.832 Valuation of life insurance policies and contracts issued before operative date of standard nonforfeiture law.

500.834 Valuation of life insurance policies and contracts issued on and after operative date of standard nonforfeiture law; minimum standard; reserves; definitions.

500.835 Valuation of individual annuity and pure endowment contracts; minimum standard; notice of election to invoke section; failure to make election; definitions.

500.835a Individual annuity and pure endowment contracts purchased after December 31, 2014; annuities and pure endowments purchased after December 31, 2014 under group an

500.836 Calendar year statutory valuation interest rates; use; determination; weighting factors; “reference interest rate” defined; alternative method for determination o

500.836a Valuation of disability plans and contracts issued before date of valuation manual; regulations; accidental and health insurance contracts; definitions.

500.836b Valuation manual; establishment of reserves using principle-based valuation; duties of company; confidential information; definitions.

500.837 Definitions; valuation requirements for universal life insurance policies.

500.838 Definitions; use of NAIC accounting practices and procedures manual; mortality table; separate rates for smokers and nonsmokers; determining minimum reserve liabi

500.838a Definitions; 2001 CSO preferred class structure mortality table.

500.839 Capital notes.

500.840 Repealed.

500.841 Valuation of certain bonds or other evidences of debt.

500.842 Valuation of certain securities, stocks, or shares.

500.900 Repealed.

500.901 Asset requirements for insurers.

500.902 Investments by domestic insurer; amount in qualified asset required; definition.

500.904 Repealed.

500.906, 500.908 Repealed.

500.910 Certificates of deposit or depository receipts; construction as deposits of cash.

500.912 Qualified assets; description; limitation on governmental securities.

500.914 Qualified assets as guaranteed interest bonds.

500.916 Qualified assets as federal financing agency stock.

500.917 Mortgage-backed securities; certain securities described in secondary mortgage market enhancement act of 1984 subject to limitations; definition.

500.917a Definitions; asset-backed securities.

500.918 Qualified assets by solvent institution; authorization; mortgage loans; equipment trust certificates; fixed interest bearing obligations.

500.920 Net earnings available for fixed charges; definition.

500.922 Qualified assets in stocks, bonds, or evidences of corporate indebtedness; authorization.

500.924 Qualified assets in preferred stock; conditions.

500.925 Application of amounts paid life insurer to purchase of retirement benefits; income, gains, or losses on accounts; limitations on charges and deductions; investme

500.926-500.931 Repealed.

500.932 Qualified assets in shares of savings and loan associations.

500.933 Repealed.

500.934 Qualified assets in farm loan bonds, intermediate credit bank loans, central bank for cooperatives, home loan banks, federal savings and loan insurance corporatio

500.938 Qualified assets.

500.942 Qualified assets in real estate loans; purchase of loan or certificate of participation.

500.943 Qualified assets; derivative instruments and transactions.

500.944 Accounts receivable; includable as qualified assets.

500.945 Repealed.

500.946 Home office, lands, and buildings; includable as qualified assets.

500.947 Income producing real estate and housing projects; includable as qualified assets.

500.948 Repealed.

500.950, 500.951 Repealed.

500.960 Repealed.

500.1001 Definitions.

500.1003 Nonapplicability of chapter.

500.1005 Insurer; annual audit; filing date; extensions; designation of audit committee.

500.1007 Annual audited financial report; contents; form; conduct of examination by independent public accountant.

500.1009 Insurer required to file annual audited report; registration of insurer's independent public accountant; letter required; dismissal or resignation of independent

500.1010 Recognition of person or firm as independent public accountant; mediation or arbitration of disputes; limitation on period of service; relief from rotation requi

500.1011 Audited consolidated or combined financial statements; application for filing; work sheet.

500.1015 Independent public accountant; reporting determination that insurer materially misstated financial condition or does not meet requirements of MCL 500.408 or MCL

500.1017 Independent public accountant; communicating unremediated material weaknesses; description.

500.1019 Independent public accountant; filing letter with annual audited financial report; contents.

500.1021 Work papers; availability; retention; review as investigation; use.

500.1023 Compliance with chapter; exemption; filing reports on other than calendar year basis; compliance by domestic insurers; schedule; compliance by foreign insurers.

500.1025 Canadian and British insurers; annual audited financial report; contents of independent public accountant's letter.

500.1027 Applicability of section to domestic insurer not SOX compliant entity; duties of audit committee; member of audit committee as independent; election of controlli

500.1028 Internal audit function; exemption; confidentiality; report to audit committee.

500.1029 Director or officer of insurer; prohibited conduct.

500.1031 Report of insurer's or group of insurers' internal control over financial reporting; requirements.

500.1033 Exemption from any or all provisions of chapter.

500.1101 “Qualified United States financial institution” defined.

500.1103 Credit for reinsurance as asset or reduction from liability; accredited reinsurer; trust fund; requirements; report to director; certified reinsurer requirements

500.1105 Reduction from liability by ceding insurer to assuming insurer not meeting requirements of MCL 500.1103; security.

500.1106 Rules.

500.1108-500.1120 Repealed.

500.1121 Applicability of MCL 500.1123 to 500.1127 to certain insurers.

500.1123 Reinsurance agreement; conditions prohibiting reduction in liability or establishment of asset; approval of commissioner; filing agreements.

500.1124 Repealed.

500.1125 Reinsurance agreement; use; execution; “reasonable period of time” defined; provisions; assumption of obligations by life and health insurance guaranty associati

500.1127 Reinsurance agreements; reduction to zero of certain reserve credits or assets.

500.1151 Definitions.

500.1153 Person acting as reinsurance intermediary-broker; bond; license; nonresident; service of process; refusal to issue license.

500.1155 Transactions between reinsurance intermediary-broker and insurer; authorization.

500.1157 Record of transaction.

500.1159 Person acting as reinsurance-broker; license required; employment of individual employed by reinsurance intermediary-broker; annual copy of statements of financi

500.1161 Transactions between reinsurance intermediary-manager and reinsurer; contract.

500.1163 Reinsurance intermediary-manager; prohibited conduct.

500.1165 Reinsurance intermediary-manager; license required; obtaining annual copy of statement of financial condition and opinion of actuary; authority for retrocessiona

500.1167 Reinsurance intermediary and reinsurance intermediary-manager; examination of books, bank accounts, and records.

500.1169 Violation; penalties.

500.1171 Reinsurance intermediary; use of services.

500.1200 “Good moral character” defined.

500.1201 Definitions.

500.1201a Sale, solicitation, or negotiation of insurance; license required; applicability to excess and surplus lines agents and brokers.

500.1202 Insurance producer license; definitions.

500.1203 Authority of insurance producer for fraternal benefit society; authority of attorney-in-fact of reciprocal or inter-insurance exchange.

500.1204 Applicant for insurance producer license; examination; registered program of study; waiver of examination or program of study requirements; administration of exa

500.1204a Qualification as registered insurance producer program of study; criteria; conducting portion of minimum number of classroom hours of instruction; rules; recomm

500.1204b Repealed.

500.1204c Insurance producer's hours of study; review; continuing education requirements; program of study; approval; fee; hearing; revocation; filing certificate of atte

500.1204d Continuing education fund; creation; administration; disposition and reversion of funds; funding of shortfall.

500.1204e Nonresident license applicant; requirements.

500.1204f Long-term care insurance; requirements for sale, solicitation, or negotiation by individual; delivery or issuance by insurer; 1-time training course; requiremen

500.1205 Resident insurance producer license; filing; application; statement; requirements; business entity; verification of information; limited line credit insurance.

500.1206 Insurance producer license; issuance; qualification in line of insurance; duration; reinstatement; contents of license; change of name or address; ministerial fu

500.1206a Nonresident insurance producer license; requirements; verification of status; change of address; nonresident surplus lines insurance producer license; nonreside

500.1206b Nonresident insurance producer license; prelicensing education or examination; exemption; application as resident licensee.

500.1206c Life and health insurance producer examinations; summary of statistical information; report.

500.1207 Agent as fiduciary; separate accounts; examination of records; remuneration of person acting as agent; placing refused coverage; use of intimidation, threats, or

500.1208 Insurance effected by agent on certain risks; limitation.

500.1208a Appointment of producer as agent; notice of appointment; filing; verification of eligibility; fee.

500.1208b Termination of business relationship with insurance producer; notice to commissioner; format; liability for disclosure of information or statement.

500.1209 Termination of insurance producer's authority to represent insurer; responsibility and authority of insurance producer following notice of termination; exception

500.1210 Accident and health insurance agent as health benefit agent.

500.1211 Solicitation and collection on behalf of licensed insurance producer; authorization; contract; agent of the insured; agent of the insurer.

500.1211a Assumed name; use.

500.1211b Temporary license.

500.1212 Persons acting as solicitors; contract with agent; license; notice of appointment.

500.1214 Solicitor; application for license and notice of appointment; forms; examination required; program of study as condition to examination; waiver of examination or

500.1216 Solicitor as fiduciary; accounting methods; examination of records; remuneration of person acting as agent or solicitor.

500.1218 Termination of solicitor's authority to represent agent; notice; disclosure; liability of agent.

500.1222 Adjuster's license required; exemptions.

500.1224 Adjuster; application for license; forms; examination; investigations and interrogatories; waiver; decision; issuance of license; qualifications; additional rest

500.1226 Persons aiding adjuster; representation by adjuster; procedure for soliciting loss; schedule of rates; limitation on charges; contract.

500.1227 Conduct of adjuster; prohibitions.

500.1228 Records of adjuster.

500.1232 Insurance counselor; license required; use of designation “certified insurance counselor” or “fraternal insurance counselor”; exceptions.

500.1234 Insurance counselor; application for license; forms; examination; investigations and interrogatories; decision; issuance of license; qualifications.

500.1236 Written agreement between insurance counselor and client.

500.1238 Reporting mailing and electronic mail address of agent, solicitor, counselor, or adjuster; notice of change in address; maintaining address on file; mailing of n

500.1239 Probation, suspension, or revocation of insurance producer's license; refusal to issue or reissue; causes; civil fine; notice of license denial; hearing; license

500.1240 Payment or acceptance of commission, service fee, or valuable consideration.

500.1242 Refusal, suspension, or revocation of license; notice; hearings; summary suspension; subpoenas.

500.1243 Definitions; sale of insurance by lender.

500.1244 Violation of chapter; hearing; serving copy of findings and cease and desist order; additional orders; reopening, altering, modifying, or setting aside order; vi

500.1246 Confidentiality; use of documents, materials, or other information.

500.1247 Report of administrative action.

500.1261 Definitions.

500.1262 Navigator; certification; application; funding from exchange prohibited; duties; determination by director that program to certify and train navigators protects

500.1262a Certified application counselor; certification; application; funding from exchange prohibited; powers; prohibited conduct; disclosure of potential conflict of i

500.1263 Navigator certificate or certified application counselor certificate; application; statement; approval; criteria; training and testing program; business entity a

500.1264 Probation, suspension, revocation, or denial of certificate; refusal to issue; civil fine; examination of books and records.

500.1265 List of individual certificate holders.

500.1266 Termination of relationship with individual certificate holder by business entity; notice to director.

500.1268 Mailing and electronic mail address; mailing of notice or process.

500.1269 Refusal of director to grant certificate; notice; hearing; suspension or revocation of certificate; summary suspension; witness and production of documents; subp

500.1270 Violation of chapter; findings and decision; order; violation of cease and desist order; civil fine; injunction.

500.1271 Citizen complaints; report.

500.1272 Construction of chapter.

500.1281 Scope of chapter.

500.1283 Definitions.

500.1285 Payment of premium tax on travel insurance premiums; travel insurer duties.

500.1287 Travel protection plans; requirements.

500.1289 Offering or selling travel insurance; subject to unfair and prohibited trade practices and frauds; fulfillment materials; cancellation policy.

500.1291 Classification of travel insurance; inland marine line of insurance; eligibility and underwriting standards.

500.1301 Insurance holding companies; definitions.

500.1305 Domestic insurers; organization or acquisition of subsidiaries; book of business; value; admitted asset; limitation; amortization; annual test; definition; autho

500.1311 Merging with or acquiring control of domestic insurer; statement; filing confidential notice of proposed divestiture; notice by person proposing to merge or acqu

500.1312 Statement filed with director; contents; duties.

500.1313 Partnership, syndicate or other group; statement filed with commissioner, amendment.

500.1314 Alternative filing materials.

500.1315 Merger or acquisition of control; approval by director; public hearing; determination; contested case hearing.

500.1316 Information to shareholders; expense; bond; examination or investigation.

500.1317 Exemptions.

500.1318 Violations.

500.1319 Jurisdiction of actions arising out of violations; consent to process.

500.1324 Insurers subject to registration; time.

500.1325 Registration statement; form; contents; other reports or information required.

500.1325a Annual enterprise risk report.

500.1325b Annual group capital calculation; filing; exemption.

500.1325c Liquidity stress test framework; results; filing; compliance with NAIC.

500.1326 Registration statement; nonmaterial information not disclosed.

500.1327 Registration statement; reporting material changes or additions and distributions to shareholders.

500.1328 Registration; termination.

500.1329 Consolidated registration statements.

500.1330 Registration on behalf of affiliated insurer.

500.1331 Exemptions.

500.1332 Petition for disclaimer of affiliation; filing; contents; effect; disallowance.

500.1333 Registration statement; failure to file.

500.1334 Person subject to registration; providing information to insurer.

500.1341 Transactions within holding company system; certain insurers as party; standards; prior approval; transactions entered into by domestic insurers; notification; s

500.1341a Domestic insurer investments; limitations.

500.1342 Application of MCL 500.436a.

500.1343 Ordinary shareholder dividends paid by domestic insurers; review by director; determination of reasonableness; factors; limiting or disallowing payment of shareh

500.1344 Officers and directors; obligation or liability; common management or cooperative or joint use of personnel, property, or services.

500.1351 Examination of insurer or affiliates; information; experts; expenses.

500.1355 Examination of insurer or affiliates; privilege and confidentiality of information; use of materials; written consent; disclosure; notice; publication in interes

500.1357 Participation of director in supervisory college.

500.1359 Internationally active insurance group; group-wide supervisor; determination factors; duties.

500.1361 Issuance of rules and orders.

500.1365 Injunctions; violation of chapter, rule or order.

500.1367 Voting certain securities prohibited; injunction.

500.1368 Voting securities in violation of chapter; sequestration of securities.

500.1371 Violation of chapter; action by director; criminal proceeding; penalty; disapproval of dividends or distributions.

500.1375 Violation of chapter; receivership.

500.1377 Liquidation or rehabilitation; recovery of certain distributions or payments.

500.1378 Failure by commissioner to act or make determination; petition for writ of superintending control.

500.1379 Violation of chapter; suspension, revocation or refusal to renew license.

500.1400 Repealed.

500.1401 Definitions.

500.1402 Repealed.

500.1403 Persons not considered managing general agents.

500.1404 Repealed.

500.1405 Licensing.

500.1407 Bond; errors and omissions policy.

500.1408 Repealed.

500.1409 Contract between managing general agent and insurer; required provisions.

500.1411 Insurer; duties.

500.1412 Repealed.

500.1413 Acts of managing general agent deemed acts of insurer; examination.

500.1414 Repealed.

500.1415 Violation; penalties; judicial review; rights of policyholders, claimants, and auditors.

500.1416 Repealed.

500.1417 Rules and regulations.

500.1419 Effective date of chapter.

500.1420-500.1450 Repealed.

500.1451 “Producer” defined.

500.1452 Repealed.

500.1453 Exceptions to provisions of chapter.

500.1454 Repealed.

500.1455 Applicability of section; contract between controlling producer and insurer required for doing business; minimum provisions; audit committee; reports; applicabil

500.1456 Repealed.

500.1457 Notice of relationship between producer and controlled insurer; exception; applicability of section to policies written or renewed 60 days after effective date o

500.1458 Repealed.

500.1459 Noncompliance with chapter, regulation, or order; authority of commissioner; civil action for recovery of damages for benefit of insurer; other penalties; rights

500.1460-500.1474 Repealed.

500.1501 Inapplicability of chapter.

500.1501a Financial institutions; application of chapter.

500.1502 Insurance premium finance companies; definitions.

500.1503 License requirements; violation, penalty; fees, renewal, application.

500.1504 License investigation of applicant; issuance, grounds, hearing, bond.

500.1505 Premium finance company; license; revocation or suspension; grounds; hearing; penalty; appeal; remuneration; applicability of subsection (4).

500.1506 Premium finance transaction records; examination; preservation.

500.1507 Insurance commissioner; regulatory powers.

500.1508 Premium finance agreement; requirements; specifications; items; subsidiary companies.

500.1509 Premium finance company; authorized charges; service charge; amending original contract where balance of premium due changed.

500.1510 Insurance premium finance agreement; delinquency charge; cancellation charge.

500.1511 Premium finance agreement; cancellation of insurance, procedure, notice, refund.

500.1512 Premium finance agreement; filing not required.

500.1513 Existing companies; license, fee.

500.1514 Insurance commissioner and employees; statement of expenses and charges, payment; employment of expert personnel.

500.1601 Insurer or producer transacting creditor-placed insurance; scope.

500.1603 Private cause of action not created.

500.1605 Definitions.

500.1607 Dates on which insurance effective or terminated.

500.1609 Premiums; calculation; limitation; charges creating balloon payment prohibited.

500.1611 Exclusions.

500.1613 Evidence of insurance coverage.

500.1615 Policy forms and certificates of insurance; filing; schedule of premium rates; withdrawal of approval.

500.1617 Refund of unearned premium or other charges; statement of refund; amount.

500.1619 Loss incurred; payment; reduced net debt or actual cash value amounts; subrogation; written statement; towing and storage charges.

500.1621 Insurance on collateral; conditions.

500.1623 Rebates or inducements; prohibitions.

500.1625 Adequate disclosure of requirement to maintain insurance; notice; final notice; noncompliance.

500.1627 Investigations or examinations; enforcement; hearing; consent agreement; injunctive relief.

500.1629 Judicial review; court order.

500.1631 Violation of order of commission; penalty.

500.1701 Definitions.

500.1703 Risk management framework.

500.1705 ORSA; conduct.

500.1707 ORSA summary report.

500.1709 Exemptions; waiver; requirement to maintain risk management framework, conduct ORSA, and file ORSA summary report; compliance by insurer no longer qualifying for

500.1711 ORSA summary report; preparation; maintenance and availability; review by director.

500.1713 Documents, materials, or other information; confidentiality; sharing and use of information; written agreement with NAIC or third-party consultant; administratio

500.1715 Failure to file timely ORSA summary report; penalty.

500.1751 Limitation of chapter in accordance with other applicable state laws; exception.

500.1753 Applicability of chapter.

500.1755 Definitions.

500.1757 Corporate governance annual disclosure; requirements; reporting at separate levels; exception for substantially similar documents.

500.1759 Corporate governance policies; information made available to director.

500.1761 Proprietary information; confidentiality; disclosure; exemption from freedom of information act; testimony in civil action; duties of director.

500.1763 Third-party consultants and National Association of Insurance Commissioners (NAIC); confidentiality; written agreement.

500.1765 Failure to file corporate governance annual disclosure; civil fine; waiver.

500.1767 Severability.

500.1903a Contract of insurance.

500.2005a Unfair method of competition; unfair or deceptive act or practice.

500.2013a Failure to comply with MCL 500.3107e; unfair practice; applicability to other rights.

500.2024a Giving merchandise to applicants for life insurance.

500.2024b Construction of MCL 500.2024, 500.2066, and 500.2070.

500.2101 Meanings of words and phrases.

500.2102 Definitions; A to D.

500.2103 Definitions; E to I.

500.2104 Definitions; P to U.

500.2105 Automobile insurance or home insurance to conform with chapter; exceptions; group plan requirements; group discounts; applicability to certain insurers; effectiv

500.2106 Applicability of chapters 24 and 26; file, approval, and use of rates; inconsistent provisions.

500.2107 Filings; review; disputes; approval; order of disapproval; revised filing.

500.2108 Filing of manual or plan; statement of character and extent of coverage; maintaining rates in effect for eligible persons; insurer as member of or subscriber to

500.2109 Rates for automobile insurance and home insurance; requirements; determining existence of reasonable degree of competition.

500.2110 Development and evaluation of rates; considerations; systems of expense provisions; grouping risks by classifications.

500.2110a Premium discount plan.

500.2110b Use of automobile repair or automobile glass repair or replacement service; unreasonable restriction prohibited; disclosure; notice to consumers; development of

500.2111 Classifications and territorial base rates for automobile insurance or home insurance; conformity with applicable requirements; additional factors.

500.2111a Completion of traffic accident prevention course; premium discount to insureds 50 years of age and older; provisions.

500.2111b, 500.2111c Repealed.

500.2111d Home insurance; premium discount plan for senior citizens.

500.2111e Rates increase prohibited; applicability of section.

500.2111f Automobile insurance; premium rate reduction requirements for personal protection insurance coverage; approval by director; use of savings; applicability to cer

500.2112 Written notice to policyholder; information available upon request; contact information; manner of providing; trade secret.

500.2113 Private informal managerial-level conference with insurer; internal procedures; review and determination by commissioner; procedure for determination; hearing ma

500.2114 Person or organization aggrieved by filing; application for hearing; specification of grounds; notice of hearing; order of commissioner.

500.2115 Finding by commissioner that reasonable degree of competition does not exist on statewide basis; order requiring compliance with chapter 24 or 26; hearing; notic

500.2116 Condition of licensure as insurance agent; penalizing insurance agent.

500.2116a Automobile insurance; person on active duty in United States armed forces; lapse in coverage; prohibited conduct by insurer; conditions.

500.2116b Automobile insurance; lapse in coverage; prohibited conduct by insurer; applicability.

500.2117 Home insurance; condition of maintaining insurer's certificate of authority; basis of underwriting rules; provisions applicable to repair cost policy; rates; agg

500.2118 Automobile insurance; condition of maintaining insurer's certificate of authority; basis of underwriting rules.

500.2119 Underwriting rules to be in writing; inconsistent transactions prohibited; uniform application of underwriting rules required; adoption of underwriting rules by

500.2119a Automobile insurance; calculating insurance eligibility points.

500.2120 Automobile insurance; establishment of underwriting rules by affiliated insurers; applicability of subsection (1); compliance; separate rating plans; applicabili

500.2121 Home insurance; criteria for selecting dwellings for inspection; inspection program; filing inspection criteria; disapproval of inspection criteria; liability.

500.2122 Declination of insurance; explanation of reasons; refusal of application form as declination.

500.2123 Termination of insurance; delivery or mailing of notice; contents of notice; effective date of termination; conformity with underwriting rules; violation of chap

500.2124 Liability for information or statement.

500.2125 Suspension of insurer's obligation under MCL 500.2117 or 500.2118; hearing; duration of suspension.

500.2126 Suspension of acceptance of applications; filing and contents of notice; disapproval.

500.2127 Collecting and reporting data; rule; use of sampling techniques.

500.2128 Repealed.

500.2129 Exemption from chapter; request; form; continuation of exemption; filing annual reporting form; order discontinuing exemption; requalification for exemption proh

500.2130 Rules requiring exchange of insurance claim information; liability.

500.2131 Effective date of MCL 500.2101 to 500.2105, 500.2107, and 500.2131; effective date of chapter generally.

500.2134-500.2138 Repealed.

500.2151 Definitions.

500.2153 Credit information or insurance score; use.

500.2154 Reasonable exceptions.

500.2156 Notice of adverse action.

500.2157 Incorrect or incomplete credit information; adjustments.

500.2159 Cause of action; construction of chapter.

500.2161 Use of credit information or insurance scores; liability, fees, and costs arising out of actions, errors, or omissions.

500.2162 Use of credit score to establish rates or rating classification for automobile insurance; prohibition.

500.2204 Settlement of action brought by third party against person insured under commercial liability insurance policy; notice to insured required.

500.2205 Minor's contracts for insurance.

500.2206 Repealed.

500.2207 Insurable interest; personal insurance; rights of beneficiaries, creditors.

500.2209 Insurable interest; married woman; right to proceeds, devise.

500.2210 Definitions; insurable interest; employer; trust; exemption from claims.

500.2210a Trustee having insurable interest under MCL 700.7114.

500.2211 Consent of insured.

500.2212 Insurable interest in life of individual.

500.2212a Health insurance policy; written summary requirements; style, arrangement and appearance of policy; electronic copy permissible; "board certified" defined.

500.2212b Policy issued under MCL 550.3405 and to health maintenance organization contract; applicability; termination of affiliation or participation between primary car

500.2212c Prescription drug prior authorization workgroup; creation; development of methodology; prior authorization request; definitions.

500.2212d National or regional certification of physician; condition of payment or reimbursement by insurer or health maintenance organization; prohibited.

500.2212e Standard electronic prior authorization transaction process; requirements; adverse determination process; denial and appeals; standard report; modification prog

500.2213 Internal formal grievance procedure; approval by director; provisions; person authorized to act on behalf of insured or enrollee; section inapplicable to provide

500.2213a Expenses incurred by director; calculation; assessment; "insurer" defined.

500.2213b Renewal or continuation of policy; modification; guaranteed renewal; discontinuing plan or product in nongroup or group market; short-term or 1-time limited dur

500.2213c Disability income insurer; internal grievance procedure; establishment; contents; “grievance” defined.

500.2213d Uniform prescription drug information card or other technology.

500.2213e Rescission of health insurance policy; conditions; "rescind coverage" defined; application.

500.2214 Disability insurance; application, use as evidence.

500.2216 Life or disability insurance; alteration of application.

500.2218 Disability insurance; false statement in application; effect.

500.2220 Life insurance; solicitor as agent of insurer.

500.2226 Life insurance; benefits, manner of payment, period, and premiums to be contained in policy.

500.2227 Withholding final settlement amount; notice; escrow procedure to be followed by city, village, or township; disposition of money by local treasurer; commingling

500.2228 Automobile insurance; contents of policy.

500.2230 Mutual insurers other than life; contents of policy.

500.2232 Reciprocal insurers; contents of policy.

500.2235 Written notice to insured under worker's compensation insurance policy.

500.2236 Forms generally; filing; approval; type size; membership in or subscription to rating organization; substitute form; readability score and other requirements; ap

500.2236a Interest indexed universal life insurance; information to be maintained on file.

500.2237 Policy issued under chapter 34; prohibited restriction of liability.

500.2238 Repealed.

500.2239 Health care service rendered by dentist; benefits or reimbursement; “dentist” defined; policies to which section applicable.

500.2242 Group disability policy; filing and approval of form; grounds for disapproval; notice, hearing, and appeal requirements; withdrawal of approval; quarterly filing

500.2243 Group policies; optometric service; coverage.

500.2246 Insured or applicant for life insurance policy as victim of domestic violence; refusal to provide coverage prohibited; exceptions; liability; applicability to po

500.2248 Automobile insurance; delivery of policy to insured.

500.2250 Binders or other contracts for temporary insurance; applicability.

500.2254 Action against domestic insurer by member or beneficiary; conditions.

500.2260 Life or disability insurance; acts not constituting waiver of defenses.

500.2264 Termination of dependent coverage at specified age; exception.

500.2264a Hospital or medical care coverage or reimbursement for children who are full-time or part-time students and take leave of absence.

500.2265-500.2290 Repealed.

500.2266 Electronic delivery of insurance documents; requirements; withdrawal of consent; civil liability; applicability to health insurer or health maintenance organizat

500.2270 Definitions.

500.2271 Certificate of insurance; prohibitions.

500.2273 Certificate of insurance; representation.

500.2275 Notice of cancellation, nonrenewal, and similar notice; limitation.

500.2277 Violation; findings and decision of director; order.

500.2301 Participation in facility by insurers required; purposes.

500.2303 Definitions.

500.2310 Facility; operation; board of governors; appointment, terms, and qualifications of members.

500.2312 Facility; plan of operation; preparation, approval, review, and revision; required provisions; application of plans to insureds; retrospective evaluation of prem

500.2318 Facility; classification and rating systems; determination and use.

500.2320 Facility; deferred premium payment plans.

500.2322 Agent authorized to solicit, negotiate, or effect worker's compensation insurance on behalf of facility or participating member; rights and duties.

500.2350 Formal hearing and ruling by facility board of governors; request; appeal; commissioner's order.

500.2352 Determinations made by commissioner.

500.2400 Purposes and interpretation of chapter.

500.2400a Repealed.

500.2401 Applicability of chapter; insurance or coverage subject to regulation by another rate regulatory chapter; filing designation with commissioner; order for prior a

500.2402 Definitions; data collection agency; creation; purpose; governing board; appointment, terms, and qualifications of members; conduct of business at public meeting

500.2403 Rate-making provisions; uniformity among insurers.

500.2404 Secondary or merit rating plan for commercial liability insurance rates; rating plan for medical malpractice insurance; limitations; “commercial liability insura

500.2405 Liquor liability insurance policies; server training discount plan; certified server training course.

500.2406 Required filings by insurers; insufficient information; supporting information; notice; public inspection; becoming member of or subscriber to licensed rating or

500.2407 “Pure premium data” defined; worker's compensation insurance; collecting, compiling, or making available to insurers certain information; filing rating system in

500.2408 Review of filings by commissioner; purpose; waiting period; extension; effective date of filing; special filing; section inapplicable to worker's compensation in

500.2409 Repealed.

500.2409a Repealed.

500.2409b Repealed.

500.2409c Repealed.

500.2410 Filing requirements; modification or suspension by insurance commissioner.

500.2411 Rates and rating systems; classifications; merit rating plan; use of single enterprise rule or similar rule prohibited.

500.2412 Filing requirements; adherence by insurer.

500.2414 Filing requirements; excess rates on specific risks.

500.2416 Disapproval of filing; notice; waiting period.

500.2418 Disapproval of filing after approval; hearing; notice; procedure.

500.2419 Excessive premium charges for worker's compensation insurance; personal meeting with management representative; providing reserve and redemption information to i

500.2420 Complaint of aggrieved person or organization; application for hearing; notice; order rendering filing ineffective; filing by insurer providing worker's compensa

500.2421 Insurer authorized to write worker's compensation insurance; prohibited acts.

500.2426 Manual of classifications, rules and rating plans; rates meeting standards.

500.2430 Manual of classifications; rules and rating plans; alternative filing; effective date; hearing; order of disapproval; adjustment of premium; review of filing.

500.2431 Group rated automobile insurance; MCL 500.2430 inapplicable.

500.2434 Malpractice insurance for physicians; rating classifications; furnishing classifications to legislature and governor.

500.2436 Application for license as rating organization; issuance of license by commissioner; fee; duration; notification of changes.

500.2438 Rating organizations; subscribers; notice of changes in rules; furnishing of service without discrimination; review; order.

500.2440 Rating organizations; rules affecting payment of dividends, savings or unabsorbed premium.

500.2446 Rating organizations; cooperation with other rating organizations and insurers, discontinuance.

500.2450 Rating organizations; deviation from filings, procedure, termination of deviation.

500.2452 Rating organizations; alternative deviation, without waiting period, procedure, termination of deviation.

500.2456 Rating organizations; subscriber appeal to insurance commissioner from action by organization.

500.2458 Furnishing information as to rates; hearings for persons aggrieved by rating system; appeal; representation.

500.2462 Advisory organizations; definition; filing; discontinuance of unfair or unreasonable practices; rate filings; violation.

500.2464 Joint underwriting or reinsurance; unfair activities.

500.2468 Examination of rating organizations; report.

500.2472 Statistical plans; exchange of data, consultation.

500.2474 Prohibited acts; violation; penalties.

500.2475 Policy forms and statistical plans for worker's compensation insurance; continuation.

500.2476 Assigned risks; rate modifications.

500.2477 Repealed.

500.2477a Repealed.

500.2477b Repealed.

500.2477c Repealed.

500.2477d Repealed.

500.2478 Violation of chapter; imposition and disposition of civil fine; suspension or revocation of license.

500.2482 Insurer or rating organization aggrieved by order without hearing; hearing, court review.

500.2484 Insurance commissioner; regulatory powers.

500.2500-500.2517 Repealed.

500.2600 Purpose of chapter; construction.

500.2601 Scope of chapter.

500.2603 Rate-making provisions; uniformity.

500.2604 Expired.

500.2606 Rate filings; proposed effective date; character and extent of coverage; insufficient information; public inspection; trade secret; inland marine rates; insurer

500.2608 Rate filings; review by insurance commissioner; waiting period; specific inland marine rates on risks.

500.2610 Filing requirements; modification or suspension by insurance commissioner.

500.2612 Rate filings; adherence by insurer.

500.2614 Rate organization; excess rates on specific risks.

500.2616 Disapproval of filing by insurance commissioner; notice; waiting period; specific inland marine rate.

500.2618 Failure of filing to meet requirements; procedure.

500.2620 Disapproval of filing; complaint of aggrieved person or organization; hearing; notice; order rendering filing ineffective.

500.2626 Manual, minimum, class rate, rating schedule, rating plan or rule; rates meeting standards.

500.2628 Rates; alternative method of filing; disapproval; hearing; order; approval; adjustment of premium; review.

500.2630 Rating organization; license application, contents.

500.2636 Rating organizations; subscribers; notice of changes in rules and regulations; review; order.

500.2638 Rating organizations; rules affecting payment of dividends, savings or unabsorbed premiums.

500.2640 Rating organizations; cooperation with other rating organizations and insurers, discontinuance.

500.2642 Rating organizations; submission of policies for examination; actuarial, technical, or other services.

500.2646 Rating organizations; deviation, procedure, termination of deviation.

500.2648 Rating organizations; alternative methods for deviation.

500.2650 Rating organizations; member or subscriber, appeal to insurance commissioner.

500.2652 Rating organization and insurer; rating information to insured, hearing; appeal.

500.2654 Advisory organizations; definition; filing; discontinuance of unfair or unreasonable practices; rate filings; violation.

500.2658 Joint underwriting or reinsurance; unfair activities.

500.2662 Examination of rating advisory organizations; report.

500.2664 Statistical plans; exchange of data, consultation.

500.2666 Withholding information, false or misleading information; penalties.

500.2670 Violation of chapter; imposition and disposition of civil fines; suspension or revocation of license.

500.2672 Insurer or rating organization aggrieved by order without hearing; hearing, court review.

500.2674 Insurance commissioner; regulatory powers.

500.2700 Applicability of chapter.

500.2702 Meaning of group legal expense insurance.

500.2704 Rate-making procedure; uniformity among insurers; excessive rates.

500.2706 Procedures and standards for approval of casualty rates and forms to apply to legal expense insurance.

500.2804 Fire insurance contracts on property herein deemed made in Michigan.

500.2806 Policy or contract of fire insurance; requirements.

500.2807, 500.2808 Repealed.

500.2810 Printing regulations on fire policy.

500.2812 Combination fire policy; mandatory provisions.

500.2816-500.2824 Repealed.

500.2826 Liability for difference between actual value of property and amount expended to repair, rebuild, or replace.

500.2827 Fire policy providing reimbursement for lost or damaged property; maximum liability; cash settlement; payment of amount in excess of actual cash value of lost or

500.2828 Repealed.

500.2832 Repealed.

500.2833 Fire insurance policy; mandatory provisions; coverage.

500.2834 Fire insurance policy; exclusion related to terrorism; definition.

500.2836 Breach of warranty or condition as defense; payment of losses.

500.2840 Repealed.

500.2842 Average or pro rata clause; form; filing and approval.

500.2845 Withholding 25% of actual cash value or final settlement where loss to insured real property due to fire or explosion; notice to city, village, or township treas

500.2850 Repealed.

500.2860 Contrary provision void.

500.2862 Repealed.

500.2866 Violation of chapter; forfeiture and disposition of fine; revocation of authority to transact business; reinstatement.

500.2901 Definitions.

500.2910 Inspection of property; requests; operation of inspection bureau.

500.2912 Issuing insurance at rate requiring consent under MCL 500.2414 or 500.2614; inspection; sworn statements; false affidavits; employing services of surplus lines a

500.2920 Michigan basic property insurance association or “pool”; membership; plan of operation and amendments to plan; approval; compliance; designation of members as se

500.2921 Board of governors as manager of pool; appointment, election, qualifications, and term of members; time of election; allotment of votes; increasing number of gov

500.2923 Agents writing insurance on behalf of pool; commissions; losses.

500.2924 Underwriting standards employed in determining acceptable risk for basic property insurance; basis of underwriting program for home insurance.

500.2925 Application to pool for basic property insurance; form; findings; issuance of policy; reinsuring policies; statement required if risk found not acceptable; term

500.2925a Application to pool for home insurance; form; findings; issuance of policy; reinsuring policies; statement required if property or applicant not qualified; term

500.2925b Liability; inspection; enforcement by commissioner.

500.2925c Notice of rights to obtain home insurance.

500.2926-500.2929 Repealed.

500.2930 Basic property insurance; amount of premium; surcharge; establishment of rates; filing rates and policy forms.

500.2930a Rates charged in territory for home insurance; conditions; limitation on premium for repair cost policy; development of plans, rules, classifications, territori

500.2931 Limitation on annual premiums written by or on behalf of pool; premium ratios.

500.2932 Annual rate of assessment; establishment; purpose; basis; notice; payment of assessments; estimating assessable premiums; adjustment of premium rates; annual sta

500.2933 Pool exempted from fees and taxes; exception.

500.2939 Reinsurance permitted.

500.2940 Repealed.

500.2941 Pool; supervision, regulation and examination.

500.2942 Liability for statements made in reports, at hearings, or in findings; reports of inspection bureau.

500.2943 Appeal to insurance commissioner; hearing; order.

500.2950 Repealed.

500.2952 Federal riot reinsurance reimbursement fund; contents, assessments, reimbursements, retroactive effect.

500.2954 Determinations made by commissioner.

500.3004 Liability insurance policies; contents required.

500.3006 Liability insurance policies; insolvency or bankruptcy of insured.

500.3008 Liability insurance policies; notice to insurer.

500.3009 Automobile liability or motor vehicle liability policy; limits; exclusion of named person; notice; documentary evidence of deleted coverages.

500.3010 Loss or damage to insured vehicle caused by fire or explosion; payment of claim; report; applicability of section; local governments electing to apply section to

500.3011 Loss or damage caused by fire or explosion to insured building; failure or refusal to submit report to fire or law enforcement authority; withholding payments; l

500.3012 Liability insurance policy; noncomplying forms, defenses of insurer.

500.3015 Repealed.

500.3017 Loss or injury while transportation network company driver is logged on to transportation network company digital network or transportation network company drive

500.3018 Automobile insurance policy; shared vehicle owner; excludable coverage; indemnification; definitions.

500.3020 Policy of casualty insurance; mandatory provisions; filing rule providing minimum retention of premium for automobile insurance; issuance of policy to meet MCL 2

500.3021 Liability insurance policy; prohibits age discrimination, conditions.

500.3030 Insurer not to be made or joined as party defendant; reference to insurer or insurance during trial.

500.3032 Court action; application of "Restatement of the Law, Liability Insurance" prohibited.

500.3036 Liability policy in lieu of bond on appeal; recognizance for costs; deposit of policy or bond; admission of liability; agreement to pay judgment; judgment in exc

500.3037 Limited collision, broad form collision, and standard and limited collision coverages; deductibles; waiver of deductible; rejection of coverages; form; rejection

500.3051-500.3062 Repealed.

500.3101 Security for payment of benefits required; period security required to be in effect; definitions; policy of insurance or other method of providing security; fili

500.3101a Providing certificate of insurance to secretary of state and policy information to the Michigan automobile insurance placement facility; vehicle identification

500.3101b Repealed.

500.3101c Standard certified statement.

500.3101d Qualification as self-insurer; certificate; issuance; cancellation.

500.3102 Nonresident owner or registrant of motor vehicle or motorcycle to maintain security for payment of benefits; operation of motor vehicle or motorcycle by owner, r

500.3103 Owner or registrant of motorcycle; security required; offering security for payment of first-party medical benefits; rates, deductibles, and provisions.

500.3104 Catastrophic claims association; board of directors; plan of operation; annual report; actuarial examination; refund; hearing; annual consumer statement; liabili

500.3105 Insurer liable for personal protection benefits without regard to fault; “bodily injury” and “accidental bodily injury” defined.

500.3106 Accidental bodily injury arising out of ownership, operation, maintenance, or use of parked vehicle as motor vehicle; conditions.

500.3107 Expenses and work loss for which personal protection insurance benefits payable.

500.3107a Basis of work loss for certain injured persons.

500.3107b Reimbursement or coverage for certain expenses not required.

500.3107c Personal protection insurance benefits; coverage limits for allowable expenses; form; rebuttable presumption; application of coverage selection; stacking of ins

500.3107d Election to not maintain personal protection insurance benefit coverage; proof of qualified health coverage; form; failure to make election; termination of qual

500.3107e Delivery of forms under MCL 500.3009, 500.3107c, 500.3107d; method of selection or election for forms.

500.3108 Survivor's loss; benefits.

500.3109 Subtraction of other benefits from personal protection benefits; injured person defined; deductible provision.

500.3109a Offering deductibles and exclusions reasonably related to other health and accident coverage; exclusion for qualified health coverage; reduced premium rates; ap

500.3110 Dependents of deceased person; termination of dependency; accrual of personal protection benefits.

500.3111 Payment of personal protection insurance benefits for accident occurring out of state.

500.3112 Persons to whom personal protection insurance benefits payable; claim to recover overdue benefits; discharge of insurer's liability.

500.3113 Person not entitled to personal protection insurance benefits.

500.3114 Persons entitled to personal protection insurance benefits or personal injury benefits; order of priority for claim of motor vehicle occupant or motorcycle opera

500.3115 Personal protection insurance benefits under the assigned claims plan for claims of persons not occupants of vehicle.

500.3116 Value of claim in tort; subtraction from or reimbursement for benefits.

500.3121 Liability for accidental damage to tangible property.

500.3123 Exclusions from property protection insurance benefits.

500.3125 Priorities in claiming property protection benefits.

500.3127 Distribution of loss, reimbursement, and indemnification among property protection insurers.

500.3131 Residual liability insurance; coverage.

500.3135 Tort liability for noneconomic loss; exceptions; cause of action for damages; "serious impairment of body function" defined.

500.3136 Tort liability for damage to tangible property from 1 accident in excess of limit under MCL 500.3121.

500.3141 Notice of accident.

500.3142 Personal protection insurance benefits payable as loss accrues; overdue benefits; interest.

500.3143 Assignment of right to future benefits void.

500.3145 Limitation of actions for recovery of personal or property protection insurance benefits; period of limitations; tolling; notice of injury.

500.3146 Limitation of action by insurer for recovery or indemnity.

500.3148 Attorney's fee; restrictions.

500.3151 Submission to mental or physical examination; physician requirements.

500.3152 Report of mental or physical examination.

500.3153 Court orders as to noncompliance with MCL 500.3151 and 500.3152.

500.3157 Charges for treatment or training for injured persons; limitation on eligibility for payment or reimbursement; applicability; "freestanding rehabilitation facili

500.3157a Provision of treatment, products, services, or accommodations under personal protection insurance; submission of records for utilization review; false or mislea

500.3157b Proprietary information; exemption from disclosure under the freedom of information act.

500.3158 Statement of earnings; report and records from medical institution.

500.3159 Discovery.

500.3163 Automobile insurer; not required to provide personal and property protection insurance benefits to out-of-state residents; exception.

500.3171 Assigned claims plan; organization and maintenance; participation; costs; rules; adoption and maintenance by Michigan automobile insurance placement facility; ap

500.3172 Conditions to obtaining personal protection insurance benefits through assigned claims plan; collection of unpaid benefits; application and reasonable proof of l

500.3173 Certain persons disqualified from receiving benefits under assigned claims plans.

500.3173a Eligibility for benefits; initial determination; denial; notice; false statement.

500.3174 Notice of claim through assigned claims plan; assignment of claim; notice to claimant; commencement of action by claimant.

500.3175 Rules for assignment of claims; duties of insurer to whom claims assigned; compromises and settlements; procedures; limitation on action to enforce rights; inter

500.3176 Taking costs into account in making and regulating rates.

500.3177 Recovery by insurer of benefits and costs from owner or registrant of uninsured motor vehicle; written agreement to pay judgment in installments; notice.

500.3178 Annual report.

500.3179 Act applicable October 1, 1973.

500.3181 "Managed care option" defined.

500.3182 Applicability of chapter.

500.3183 Automobile insurer; offering of managed care option; requirements.

500.3184 Offer of personal protection insurance benefits required for certain managed care options.

500.3185 Application of managed care option.

500.3186 Managed care option; deductibles and co-pays.

500.3187 Managed care option; requirements.

500.3188 Selection of managed care option; written disclosure statement; requirements.

500.3189 Managed care disclosure statement; additional requirements.

500.3201 Repealed.

500.3204 Refusal to renew policy as cancellation; requisites.

500.3206 Policy of automobile insurance; definition.

500.3208 Inapplicability of chapter; termination of coverage at end of policy period.

500.3212 Inapplicability of chapter; nonpayment of premiums.

500.3220 Cancellation; reasons.

500.3224 Denial of coverage; notice of cancellation.

500.3230 Validity of cancellation; request for hearing.

500.3234 Validity of cancellation; appeal, hearing by insurance commissioner, notice.

500.3240 Validity of cancellation; conduct of hearing, determination.

500.3244 Validity of cancellation; order for reinstatement or upholding cancellation; stay of cancellation; appeal.

500.3250 Statements in cancellation notice; liability.

500.3254 Filing fee; return to insured; disposition of funds.

500.3260 Insurance commissioner; regulatory powers.

500.3262 Private automobiles of peace officers, fire fighters, or ambulance drivers; cancellation of insurance; “ambulance driver” defined.

500.3301 Michigan automobile insurance placement facility; purpose; participation.

500.3303 Definitions.

500.3310 Board of governors of facility; election and appointment of governors; representation of insurance agents and general public; terms; vacancies; adoption of plan

500.3315 Repealed.

500.3320 Private passenger nonfleet automobiles; duties of facility; insurance requirements.

500.3321 Automobiles not included in MCL 500.3320; insurance required; equitable distribution of applicants to participating members.

500.3330 Board of governors; powers generally; establishment of automatic data processing system.

500.3340 Filing of classifications, rules, rates, and amendments thereto; approval; use of rates and rules; certain laws inapplicable; requirements for private passenger

500.3341 Coverage for certain convictions; premium surcharges.

500.3350 Additional duties of facility.

500.3355 Agent; duties; disqualification by facility; notice; request for hearing; ruling by board of governors; appeal; prohibited conduct by disqualified agent; standar

500.3360 Participating member and agent; relationship.

500.3365 Eligibility for automobile insurance; requesting assignment, rejecting assignment, or requesting reassignment; notice of statutory eligibility standards.

500.3370 Assistance in applying to facility for placement.

500.3380 Hearing and ruling by board of governors; grounds; applicability of right to hearing; filing request for hearing; hearing to be prompt and fair; appeal; order.

500.3385 Recoupment of assessments; surcharge; rate including factor for recoupment.

500.3390 Determinations made by commissioner.

500.3400 Definitions; scope of chapter, exemptions, exceptions.

500.3401 Repealed.

500.3401a Group disability insurance; issuance; filing and approval of form.

500.3402 Disability insurance policy; provisions required.

500.3402a Group disability insurance policy; provisions required.

500.3402b Group or nongroup disability insurance policy; coordination of benefits; provision; limitation; "other coverage" defined; payment by each insurer.

500.3402c Family expense insurance policy.

500.3402d Blanket disability insurance; coverage.

500.3402e Blanket disability insurance policies; issuance.

500.3402f Blanket disability insurance policy; provisions.

500.3402g Blanket disability insurance policy; certificate; payment of benefits.

500.3402h Legal liability of policyholder.

500.3403 Health insurance policy offering dependent coverage; required provisions; denial prohibited; grounds.

500.3404 Insurance policy issued for delivery to nonresident.

500.3405 Prudent purchaser agreements with providers of hospital, nursing, medical, surgical, or sick-care services; rates; discrimination prohibited; optometry, chiropra

500.3405a Use of most favored nation clause.

500.3406 Disability insurance policy; provisions required, captions, omissions, substitutions.

500.3406a Reconstructive surgery following mastectomy; prosthetic device.

500.3406aa Third party access; dental provider network; requirements; exceptions; definitions.

500.3406b Coverage for mental health services by mental health care provider.

500.3406bb Health insurance policy; minimum required coverage; use of in-network and out-of-network providers; use of reasonable medical management techniques; applicabil

500.3406c Hospice care; definition; description of coverage.

500.3406d Coverage for breast cancer diagnostic services, breast cancer outpatient treatment services, and breast cancer rehabilitative services; coverage for breast canc

500.3406e Coverage for drug used in antineoplastic therapy and cost of its administration; conditions.

500.3406ee Health insurance policies; individual or small group markets; mandatory levels of coverage; actuarial value; compliance; applicability.

500.3406f Repealed.

500.3406ff Financial parity for orally administered, intravenously administered and injected antineoplastic (anticancer) medications.

500.3406g Repealed.

500.3406h Eligibility of parent for dependent coverage; health coverage of child through noncustodial parent; duties of insurer; court or administrative order and notice

500.3406hh Coverage for mental health and substance use disorder services.

500.3406i Individual eligible under title XIX of social security act; assignment of rights of insured to department of social services.

500.3406ii Prohibition on the limitation or exclusion of benefits based on preexisting condition; exceptions.

500.3406j Insured or applicant as victim of domestic violence; refusal to provide coverage prohibited; liability; "domestic violence" defined.

500.3406jj Medical loss ratio rebates; applicability.

500.3406k Emergency health services; medically necessary coverage; "stabilization" defined.

500.3406kk Coverage for blood pressure monitors.

500.3406l Medical transportation services; reimbursement; exception.

500.3406m Access by insured to obstetrician-gynecologist.

500.3406n Access to pediatric care services.

500.3406o Insurer providing prescription drug coverage; formulary restrictions; expedited review of coverage for nonformulary alternative; determination; subject to 500.3

500.3406oo Coverage for mental health screenings during postpartum period.

500.3406p Establishment of program to prevent onset of clinical diabetes required; survey; coverages; "diabetes" defined.

500.3406q Off-label use of approved drug; coverage; conditions; compliance; use of copayment, deductible, sanction, or utilization control; limitation; definitions.

500.3406r Coverage for obstetrical and gynecological services by physician or nurse midwife.

500.3406s Diagnosis and treatment of autism spectrum disorders; coverage; prohibition; availability of other benefits; conditions; qualified health plan offered through A

500.3406t Synchronizing insured's or enrollee's multiple maintenance prescription drugs.

500.3406tt Coverage for certain hormonal contraceptives.

500.3406u Coverage for prescription eyedrops; requirements; "prescriber" defined.

500.3406v Coverage for emergency supply of insulin.

500.3406w Temporary emergency and early refills for prescription drugs; inapplicable after March 31, 2021.

500.3406x Nonopioid directive form; website.

500.3406y Nonopioid directive form; enrollment.

500.3406z Essential health benefit coverage; annual and lifetime dollar limits; prohibition; applicability to grandfathered health plan coverage.

500.3407 Entire contract; changes.

500.3407a Conduct on behalf of or information provided to insured by health care provider; prohibition or discouragement by disability insurer.

500.3407b Undergoing genetic testing as condition of issuing, renewing, or continuing policy; disclosure of genetic testing or genetic information; definitions.

500.3408 Time limit on certain defenses; incontestable policy.

500.3409 Disability insurance policy; mandatory notices as to cancellation and refund of premium.

500.3410 Grace period; provision required.

500.3411 Reinstatement; provision required.

500.3412 Notice of claim; provision required.

500.3413 Claim forms; provision required.

500.3414 Proofs of loss; provision required.

500.3416 Time of payment of claims; provision required.

500.3418 Payment of claims; provision required.

500.3420 Physical examinations and autopsy; provision required.

500.3422 Legal actions; provision required.

500.3424 Change of beneficiary; provision required.

500.3425 Health insurance policy; coverage for intermediate and outpatient care for substance use disorder required; charges, terms, and conditions; reduction of coverage

500.3426 Offer of wellness coverage by insurer.

500.3428 Provider network.

500.3430 Optional policy provisions; insurance commissioner's approval.

500.3432 Change of occupation; optional provision.

500.3434 Misstatement of age; optional provision.

500.3436 Other insurance with same insurer; optional provision.

500.3438 Insurance with other insurers; optional provision; expense incurred benefits.

500.3439 Repealed.

500.3440 Insurance with other insurers; other benefits.

500.3444 Relation of earnings to insurance; optional provision.

500.3446 Unpaid premium; optional provision.

500.3448 Cancellation; optional provision.

500.3450 Conformity with state statutes; optional provision.

500.3452 Illegal occupation or criminal activity; optional provision; definitions.

500.3454 Repealed.

500.3460 Order of certain policy provisions.

500.3462 Third party ownership of policy.

500.3464 Foreign or alien insurers; provision required by other state law; domestic insurers; provision required by other state or country.

500.3466 Filing procedure; insurance commissioner, regulatory powers.

500.3468 Provisions violating code; construction of noncomplying policies and provisions.

500.3470 Age of insured; provision regulations.

500.3471 Provision and nondisclosure of large employer group claims utilization and cost information; civil liability immunity; definitions.

500.3472 Open enrollment period; prohibitions; establishment of reasonable periods for health insurance policies; minimum standards for frequency and duration of open enr

500.3474 Risk classification; rates; filing requirements.

500.3474a Premium rate after January 1, 2014; basis; factors.

500.3475 Reimbursement for services by licensed psychologist, podiatrist, or chiropractor; section inapplicable to policy involving prudent purchaser agreement.

500.3476 Telemedicine services; provisions; definitions.

500.3477 Use of financial incentive or payment to act as inducement to deny, reduce, limit, or delay services; prohibition; exception.

500.3480 Repealed.

500.3501 Definitions.

500.3503 Applicability of provisions to health maintenance organization.

500.3505 Health maintenance contract; use of descriptive words; restrictions.

500.3507 Authorizing and regulating health maintenance organization; establishment of system by director.

500.3508 Quality assessment program; quality improvement program.

500.3509 Certificate of authority; application; form; limitation; change of service area.

500.3511 Governing body; election of enrollee board members; requirements; meetings.

500.3513 Health maintenance organization operations; regulation by director; incorporation as legal entity.

500.3515 Additional health services; deductibles; copayments; "preventive health care services" defined; partial payment from government or private person.

500.3517 Healthy lifestyle programs; emergency or out-of-area service; payment of expenses or fees.

500.3519 Contract and contract rates; fairness; rate differential; basic health services to large employers required.

500.3521 Prepayment rates; filing and approval of methodology; schedule.

500.3523 Repealed.

500.3525 Proposal to revise contract or rate; approval of commissioner; approval with modifications; hearing; disposition; exception; notice.

500.3527 Repealed.

500.3528 Health maintenance organization; credentialing verification; accreditation by nationally recognized accredited body.

500.3529 Affiliated provider contracts; collection of payments from enrollees; contract provisions; waiver of requirement under subsection (2); contract format; evidence

500.3530 Availability of covered services; assurance; establishment and maintenance of proximity.

500.3531 Contracts with health care providers to become affiliated providers; requirements; standards; filing; duplicative standards; notice procedures; provider applicat

500.3533 Prudent purchaser contracts; reimbursement for unauthorized services or services by nonaffiliated providers.

500.3535 Solicitation or advertising.

500.3537 Repealed.

500.3539 Repealed.

500.3541 Repealed.

500.3542 Repealed.

500.3543 Repealed.

500.3544 Noninsured benefit plan; processing and payment of claims.

500.3545 Acquisition of obligations from another managed care entity.

500.3547 Health care service operations; visitation or examination by director; consultation with enrollees; authority; access to information relating to delivery of serv

500.3548 Maintenance of books, records, files, and financial records; funds and assets.

500.3549 Repealed.

500.3551 Health maintenance organization; net worth.

500.3553 Certificate of authority; deposit requirements.

500.3555 Financial plan.

500.3557 Notice of changes in operations.

500.3559 Reinsurance contract or plan of self-insurance; purpose; filing; approval; coverage.

500.3561 Insolvency; continuation of benefits.

500.3563 Insolvency; offer of enrollment by health insurers participating in enrollment process; allocation of group coverage to health maintenance organizations or insur

500.3565 Repealed.

500.3567 Repealed.

500.3569 Assumption of financial risk.

500.3571 State or federal health programs.

500.3573 Operation of health care delivery system not meeting requirements of act; permitted conduct; limitations.

500.3580 Repealed.

500.3600 Repealed.

500.3601 Repealed.

500.3601a Repealed.

500.3602 Repealed.

500.3606 Repealed.

500.3607 Repealed.

500.3608 Repealed.

500.3609 Repealed.

500.3609a Repealed.

500.3610 Repealed.

500.3610a Repealed.

500.3611 Repealed.

500.3612 Repealed.

500.3612a Repealed.

500.3613 Repealed.

500.3614 Repealed.

500.3615 Repealed.

500.3616 Repealed.

500.3616a Repealed.

500.3620 Repealed.

500.3630 Repealed.

500.3631 Repealed.

500.3636 Repealed.

500.3638 Repealed.

500.3640 Repealed.

500.3650 Repealed.

500.3701 Definitions.

500.3702 Repealed.

500.3703 Scope of chapter.

500.3704 Repealed.

500.3705 Geographic areas; adjustment and determination of premiums; conditions; additional premium; small employer; rating factors.

500.3706 Repealed.

500.3707 Health benefit plan; marketing; affiliation period.

500.3708 Special enrollment period.

500.3709 Minimum participation rules.

500.3710 Repealed.

500.3711 Small employer carrier; guaranteed renewal; exceptions; modification.

500.3712 Decision to discontinue plan in geographic area.

500.3713 Information offered upon request.

500.3714 Repealed.

500.3715 Information and documentation; retention at principal place of business.

500.3716 Archer medical savings account; exception.

500.3717 Suspension; exemption; conditions; exception.

500.3718 Applicability of MCL 550.1619.

500.3720 Repealed.

500.3721 Repealed.

500.3722 Repealed.

500.3723 Applicability of chapter; date of health benefit plan.

500.3724 Repealed.

500.3726 Repealed.

500.3728 Repealed.

500.3801 Chapter; definitions.

500.3803 Applicability of chapter.

500.3804 Repealed.

500.3805 Medicare supplement policy; definitions.

500.3807 Basic core package of benefits; standards for plans K and L; applicability of section.

500.3807a Medicare supplement policies or certificates with effective date for coverage on or after June 1, 2010; basic core package of benefits.

500.3808 Repealed.

500.3809 Additional benefits; reimbursement for preventive screening tests and services; definitions; applicability of section.

500.3809a Medicare supplement policies or certificates with effective date for coverage on or after June 1, 2010; additional benefits.

500.3811 Basic core benefits; availability; sale of certain benefits prohibited; designations, structure, language, and format; other designations; requirements; applicab

500.3811a Medicare supplement policies or certificates with effective date for coverage on or after June 1, 2010; basic core benefits; availability; sale of certain benef

500.3811b Medicare supplement policies or certificates for newly eligible individuals after December 31, 2019; exceptions to standards and requirements.

500.3813 Disability coverage; medicare supplement buyer's guide; applicability of section.

500.3815 Outline of coverage; acknowledgment of receipt; compliance with notice requirements; substitute; language, written or electronic format, and required items.

500.3817 Medicare select policies and certificates; definitions; requirements for issuance; plan of operation; filing, format, and contents; proposed changes; updated lis

500.3819 Minimum standards; suspension of benefits and premiums; notice; reinstitution; offer to exchange 1990 standardized plan to 2010 plan.

500.3819a Medicare supplement policies or certificates with effective date for coverage on or after June 1, 2010; minimum standards.

500.3821 Issuance of policy to person not enrolled in medicare parts A and B prohibited; refund; interest.

500.3823 Covered benefits more restrictive than benefits under medicare and required under state law prohibited; benefits for outpatient prescription drugs.

500.3825 Preexisting diseases or conditions; waiver prohibited.

500.3827 Duplicate benefits prohibited; application; statements and questions whether another policy in force; list of policies sold to applicant; notice regarding replac

500.3829 Denying or conditioning issuance based on health status, claims experience, receipt of health care, or medical condition of applicant prohibited; condition; excl

500.3829a Medicare supplement policies or certificates delivered, issued for delivery, or renewed on or after May 21, 2009; genetic test; definitions.

500.3830 Eligible person; requirements.

500.3830a Termination of contract or agreement; notice to individual.

500.3831 Individual or group expense incurred hospital, medical, or surgical policies; right of continuation or conversion to medicare supplemental plan; request for cove

500.3833 Replacement policy; waiver of certain time periods.

500.3835 Marketing procedures; determining appropriateness of recommended purchase or replacement; more than 1 policy prohibited; individual enrolled in medicare advantag

500.3837 Repealed.

500.3839 Renewal or continuation provision; effect of termination or replacement; elimination of outpatient prescription drug benefit.

500.3841 Riders or endorsements; signed acceptance or agreement; additional premium; use of certain standards, terms, and words; filing of changes in medicare benefits; e

500.3843 Health insurance; notice; contents; applicability of subsection (1).

500.3847 Advertising; filing copy with director.

500.3849 Filing and approval requirements; deletion of outpatient prescription drug benefits; issuance of policy; use and change in premium rates; additional forms; avail

500.3851 Aggregate benefits; rates, rating schedules, and rate revisions.

500.3852 Benchmark ratio.

500.3853 Refund or credit calculation; form; interest; due date.

500.3855 Annual filing of rates, rating schedule, and supporting documentation; premium adjustments; public hearing for rate increase; failure to make premium adjustments

500.3857 Duties of insurer; certification of compliance with subsection (1)(a).

500.3859 Prohibited conduct; violation as misdemeanor; penalty.

500.3861 Probable cause of violation; notice of hearing; opportunity to confer and discuss; hearing; applicability of MCL 500.2038 to 500.2040; violation; penalty.

500.3901 Long-term care insurance; definitions.

500.3901a Long-term care insurance policies; discrimination against living donors; prohibition; definitions.

500.3902 Offer of long-term care coverage by subsidiary of health care corporation.

500.3903 Group long-term care insurance; coverage offered to groups described in MCL 500.3901(c)(iv) and 500.3901(c)(iii).

500.3905 Long-term care coverage; requirements; certain coverages requiring care recommendations.

500.3906 Designation of person to receive notice of termination; reinstatement of coverage; effective date of section.

500.3907 Individual long-term care policy; guaranteed renewable provision; conversion; new limitation period; intermediate care facility or skilled nursing facility; home

500.3908 Long-term care partnership program policy; conversion or replacement.

500.3909 Option to purchase inflation protection; summary of coverage; applicability of section.

500.3910 Option of purchasing policy or certificate including nonforfeiture benefits; offer.

500.3910a Nonforfeiture benefits; coverage elements, eligibility, benefit triggers, and benefit length; contingent benefit; premium increase; notification; duties of insu

***** 500.3910b SEE SUBSECTION (7) FOR APPLICABILITY *****

500.3911 Preexisting condition; limitation period; definition.

500.3913 Home health care benefits.

500.3915 Certain conditions prohibited.

500.3917 Replacement policy; waiver of time periods applicable to preexisting conditions and probationary periods.

500.3919 Institutionalization; extension of benefits; limitations.

500.3921 Application; questions relating to health condition; delivery; record of policy rescissions; annual report to commissioner.

500.3923 Riders or endorsements; certain changes in benefits or premiums; definition, explanation, description, and labeling of certain terms.

***** 500.3925 SEE SUBSECTION (1) FOR APPLICABILITY *****

***** 500.3926 SEE SUBSECTION (1) FOR APPLICABILITY *****

***** 500.3926a SEE SUBSECTION (1) FOR APPLICABILITY *****

500.3927 Reasonableness of benefits relative to premiums; expected loss ratio; evaluation of factors; applicability of section.

500.3928 Fixed indivisible premium life insurance policy funding long-term care benefits by accelerating death benefit; reasonableness of benefits relative to premiums; p

500.3929 Increasing premiums prohibited; conditions.

500.3930 Acceleration of benefits under group or individual life policies or riders; determination of policy reserves.

500.3931 Rules.

500.3933 Summary of coverage.

500.3935 Statement relating to request for additional information.

500.3937 Shopper's guide; format; providing to applicants; exception.

500.3939 Application; questions relating to other policies in force or use as replacement; agent's list of other policies sold; notice to applicant and existing insurer;

500.3941 Advertising; filing copy with commissioner.

500.3941a Inapplicability of section to life insurance policies or riders containing accelerated benefits; development of suitability standards.

500.3942 Marketing; duties of insurer; use of "level premium" or "noncancelable" prohibited; exception.

500.3942a Reporting requirements; agent activities; preparation of report.

500.3943 Right to return policy; notice; “direct response solicitation” defined.

500.3945 Violation; penalty.

500.3949 Life and long-term care benefits; marketing; compliance.

500.3951 Policy summary; compliance with MCL 500.3933; additional provisions; monthly report.

500.3953 Disclosure statement.

500.3955 Compliance with chapter and applicable laws.

500.3957 Definitions.

500.3959 Long-term care partnership program policy; applicability of chapter and applicable sections of chapter 39.

500.3961 Partnership policy; solicitation or sale; notice.

500.3963 Partnership policy; delivery or issuance for delivery; filing and approval required; submission of completed partnership certification form or similar form to de

500.3965 Regular reports to be provided to department of health and human services.

500.4000 Scope of chapter.

500.4001 Universal life insurance; definitions.

500.4002 Life insurance policies; discrimination against living donors; prohibition; definitions.

500.4004 Entire contract.

500.4008 Life insurance; provisions required; single premium policies.

500.4010 Premiums; payment; provision required.

500.4012 Life insurance policy; provision required.

500.4014 Entire contract; incontestability; exceptions.

500.4015 Policy of life insurance; mandatory notice as to cancellation of policy and refund of premium.

500.4016 Statements considered representations; provision required; electronic application; endorsement.

500.4018 Misstatement of age or sex; provisions required.

500.4020 Participation in surplus; provision required.

500.4022 Policy loans generally.

500.4023 Policy loans; interest rates; notice; information; policy not to terminate as sole result of change in interest rate; applicability of section to insurance or an

500.4024 Nonforfeiture benefits; cash surrender values; provision required.

500.4026 Table of loan values and options; provision required.

500.4028 Default in premium payments; reinstatement; provision required.

500.4030 Settlement of claim upon death of insured; provision required.

500.4032 Table of installments; provision required.

500.4036 Title required.

500.4037 Universal life insurance policy; provisions required.

500.4038 “Policy cost factors” defined; initial disclosure; statement of policy information; delivery; extension of free-look period; furnishing statement at time of poli

500.4040 Safeguard against lapse; special surrender value; optional provisions; supplemental contract.

500.4042 Liability limitation; aviation, military or naval service.

500.4046 Provisions prohibited; forfeiture of policy for failure to repay loan; limitation of actions; predating policy; settlement at maturity for less than full value.

500.4047 Profit sharing, charter or founders and coupon policies; definitions; prohibitions, violations.

500.4048 Provisions required by laws of other states or counties.

500.4052 Preliminary term insurance on old policies; reserve.

500.4054 Proceeds of policy; exemption from creditors.

500.4058 Nonforfeiture benefits on old policies.

500.4060 Standard nonforfeiture law for life insurance.

500.4061 Flexible premium universal life insurance policies; provisions applicable to minimum cash surrender values; minimum paid-up nonforfeiture benefits.

500.4062 Loan value; deferment.

500.4064 Loan indebtedness; right to compound interest.

500.4070 Insurance and annuities on same life; automatic conversion of deferred annuity into paid-up annuity.

500.4072 Standard nonforfeiture law for individual deferred annuities.

500.4073 Annuity policy or contract; notice of right to cancel and receive refund; effect of returning policy or contract; variable annuity contract; exceptions.

500.4101 Definitions.

500.4103 Delivery or issuance by insurer of modified guaranteed annuity; conditions.

500.4105 Sales and advertising material; illustrations of benefits payable; prospectus.

500.4107 Separate account annual statement and other information to be submitted to commissioner.

500.4109 Disapproval by commissioner of filed material.

500.4111 Filing requirements.

500.4113 Modified guaranteed annuity contract; required provisions; market-value adjustment formula.

500.4115 Nonapplicability of section; required provisions; minimum values of paid-up annuity, cash surrender, or death benefits available under modified guaranteed annuit

500.4117 Application for modified guaranteed annuity.

500.4119 Reserve liabilities.

500.4121 Modified guaranteed annuity separate accounts.

500.4123 Annual report.

500.4125 Compliance with law or regulation in place of domicile of foreign insurer as compliance with this chapter.

500.4127 License to sell variable annuities required to sell modified guaranteed annuity contracts.

500.4151 Definitions.

500.4153 Scope of chapter.

500.4155 Purchase or exchange of annuity; recommendations; effort and obligation to act in best interest of consumer; reasonable basis; duties of producer; exceptions.

500.4157 Repealed.

500.4158 Insurer's supervision system.

500.4159 Dissuading consumer from certain acts prohibited.

500.4160 Sale of annuities; completion of annuity training course; requirements.

500.4161 Copy of annuity policy.

500.4163 Records; maintenance, availability.

500.4165 Applicability of subsections; definitions.

500.4166 Compliance with chapter; violation orders.

500.4200 Scope of chapter; other applicable provisions.

500.4201 Industrial life insurance; definitions.

500.4204 Required policy provisions; exceptions.

500.4206 Grace period; provision required.

500.4208 Incontestability; provision required, exceptions.

500.4210 Policy constitutes entire contract; provision required.

500.4212 Misstatement of age; provision required.

500.4214 Participation in surplus; provision required.

500.4216 Conversion; weekly premium policies; provision required; monthly premium policies.

500.4220 Nonforfeiture and cash surrender values.

500.4222 Table of nonforfeiture benefits.

500.4224 Nonforfeiture benefit; automatic option; provision required.

500.4228 Reinstatement; provision required.

500.4230 Settlement of claim upon death of insured; provision required.

500.4236 Title required.

500.4238 Beneficiary changes.

500.4242 Limitation of liability; aviation, military or naval service.

500.4244 Industrial life insurance; provisions prohibited; right to declare policy void for disease or ailment; rejection; payment of proceeds to other than beneficiary;

500.4400 Scope of chapter; compliance required.

500.4404 Employee groups; required number of participants; premium payments; group life insurance as part of combined group life and disability insurance policy; "employe

500.4405 Group life insurance policy; issuance to trust or trustees; requirements.

500.4408 National guard groups; participation authorization.

500.4412 Labor union, teacher and postal clerk groups; participation authorization.

500.4416 Group life insurance; groups of borrowers or purchasers.

500.4418 Group life insurance; loans on dwellings or mobile homes; insurer providing monetary benefits to financial institutions; payment of dividends to financial instit

500.4419 Prepaid funeral contracts; group life insurance.

500.4420 Nonprofit incorporated industrial association groups; executives; participation; other associations, trusts, or trustees; criteria; conditions.

500.4424 Group life insurance offered to groups other than described in MCL 500.4404 to 500.4420.

500.4426 Extension of coverage to eligible dependents; amounts; payment of premiums; definitions.

500.4430 Group life insurance policy; filing and approval of form; certain provisions required.

500.4432 Group life insurance policy; incontestability.

500.4434 Entire contract; provision; application; representations.

500.4436 Misstatement of age; provision required.

500.4438 Individual certificate; notice of conversion rights.

500.4439 Insurance under group policy; assignment of rights, effect.

500.4442 New employee; provision required.

500.4446 Policy issued in another state; determination by director.

500.4450 Employer deemed policyholder.

500.4454 Readjustment of premium rate; optional provisions.

500.4501 Definitions.

500.4503 Fraudulent insurance acts.

500.4507 Release of information; purpose.

500.4509 Civil liability; immunity.

500.4511 Violation as felony; penalty; notice to licensing authority.

500.4601 Definitions.

500.4603 Limited certificate of authority; application; conditions; organizational documents; submission; contents; liability of director; submission of documents to atto

500.4607 Adoption of name by captive insurance company.

500.4609 Confidentiality requirements.

500.4611 Issuance of limited certificate of authority; possession and maintenance of unimpaired paid-in capital and retained earnings; form of minimum capitalization; inc

500.4619 Pure captive insurance company or sponsored captive insurance company; association captive insurance company or industrial insured captive insurance company; inc

500.4621 Reports and inquiries.

500.4623 Sponsored captive insurance company; discount of reserves.

500.4625 Conflict between act and chapter; exemption; applicability of certain sections; expenses and charges of examination; annual renewal fee; other fees; employment o

500.4637 Limited certificate of authority; suspension or revocation; findings; best interest of public and policyholders.

500.4639 Association captive insurance company and industrial insured captive insurance company; compliance with investment requirements; pure captive insurance company a

500.4641 Reinsurance on risks ceded by other insurer.

500.4643 Rating organization; joining not required.

500.4645 Plan, pool, association, or guaranty or insolvency fund; joining, contributing to, or receiving benefit from prohibited.

500.4651 Rules.

500.4655 Applicability of terms and conditions in chapter 81 pertaining to administrative supervision, conservation, rehabilitation, receivership, and liquidation of insu

500.4659 Exercise of control of risk management function by parent or affiliated company; standards.

500.4663 Sponsored captive insurance company; formation; establishment and maintenance of protected cell to insure risks; conditions.

500.4665 Sponsor of sponsored captive insurance company; authorized insurer; risk retention group as sponsor or participant prohibited; business written by sponsored capt

500.4667 Sponsored captive insurance companies; business entities as participants.

500.4669 Sponsored captive insurance companies; applicability of terms and conditions in chapter 48 pertaining to protected cell insurance company.

500.4673 Captive insurance regulatory and supervision fund; creation; deposit of certain money, assets, fees, and assessments; money remaining in fund at close of fiscal

500.4701 Definitions.

500.4703 Conflict between provision of act and provision of chapter; chapter as controlling; sections applicable to SPFCs; exemption.

500.4705 Limited certificate of authority to transact insurance or reinsurance; transaction of business by SPFC; limitation; requirements; submission of documents to comm

500.4707 SPFC; establishment; form of organization; documents; limitation; adoption of name; applicability of certain provisions in carrying out transactions; state resid

500.4709 Minimum initial capitalization; additional capitalization; maintenance of deposits.

500.4711 SPFC; insuring or reinsuring risks insured or reinsured by counterparty; contract for assumption of risk or indemnification of loss; related and incidental contr

500.4713 Protected cells; creation and use by SPFC; written approval of commissioner; possession of minimum capitalization; fraudulent purpose not inferred.

500.4715 Protected cell; consideration as separate person; purposes; distinct name or designation; subject to orders of court; service of process; contract with third par

500.4717 Issuance of SPFC securities.

500.4719 Asset management agreements.

500.4721 SPFC contracts; agreements with affiliated companies and third parties; contents of contract; withdrawal of assets or income from trust and transfer to SPFC; app

500.4723 Insurance securitization; not considered as insurance producers or brokers.

500.4725 SPFC; duty to ensure contracts fulfill certain requirements.

500.4727 Creation of trust to hold assets of SPFC.

500.4729 Declaration and payment of dividends prohibited; exception; limitation; sufficiency of assets; provisions.

500.4731 Plan of operation; changes; filing of audited financial statements; inquiries by commissioner; filing of statement of operations; reports; preservation of books,

500.4732 Activities requiring notice to commissioner.

500.4733 Captive insurance company examination; expenses and charges; payment; fee.

500.4734 Confidentiality requirements; exception.

500.4735 Cessation of business; suspension or revocation of limited certificate of authority; violations; penalties; notice.

500.4741 Administrative supervision, conservation, rehabilitation, receivership, and liquidation of insurers.

500.4745 Contested case brought by third party; suspension, revocation, or modification of limited certificate of authority.

500.4747 Issuance of regulations; employment of legal counsel.

500.4801 Definitions.

500.4803 Protected cells; establishment; written approval of commissioner; name or designation; attribution of assets and liabilities; attachment of security interest; co

500.4805 Income credited to or charged against protected cell; insurance securitization; language to be contained in documentation; cessation of business of protected cel

500.4807 Creditors; recourse; activities, assets, and obligations not subject to chapters 77 and 79; establishment of protected cell not considered fraudulent conveyance.

500.4809 Receiver to deal with protected cell company's assets and liabilities; effect of order of conservation, rehabilitation, or liquidation.

500.4811 Insurance securitization not considered insurance or reinsurance contract; investor not considered as conducting insurance business in state.

500.4813 Rules, regulations, or orders.

500.5000 Scope of chapter.

500.5001 Compliance with chapter required.

500.5002 Organization of insurers; definitions.

500.5006 Stock insurers; formation, number of incorporators required.

500.5008 Articles of incorporation; blank forms; subscribing in duplicate; contents; permissible provisions; liability of director; certificate of acknowledgment.

500.5010 Duration of corporate existence.

500.5012 Corporate name; restrictions.

500.5014 Par value of stock; limitations.

500.5020 Examination of articles by attorney general; fee.

500.5024 Securing subscribers, stockholders, or members of insurance company; sale of capital stock; required acts of incorporators; authority of commissioner.

500.5028 Completion of organization; issuance of stock certificates; mutual corporation.

500.5036 Liability of directors for debts during organization.

500.5040 Examination; certificate of authority.

500.5100 Definitions.

500.5102 State accident fund; acquisition of assets; effect of proposed transfer.

500.5104 Organizing stock insurer or mutual insurer; purpose; domestic stock insurer owned by nonprofit health care corporation as acquiring insurer; limitation on transa

500.5106 Provisions applicable to acquiring insurer.

500.5108 Acquiring insurer as party in place of state accident fund.

500.5110 Determining violation of MCL 500.5106.

500.5112 Notice of violation of MCL 500.5106; hearing; findings and conclusions; order to cease and desist; additional orders.

500.5114 Insurance agents.

500.5200 Applicability of chapter.

500.5202 Life, accident or sickness insurers; reorganization under code.

500.5204 Companies deemed bodies corporate and politic; corporation law applicable.

500.5205 Proof of corporate existence and authority to insure.

500.5206 Corporate powers; enumeration; exercise by board of directors.

500.5208 Corporate powers; limitations; applicability of prohibition; services performed in connection with noninsured benefit plan; provisions; interference with rights

500.5208a Definitions; prohibited conduct; probable cause of violation; notice of hearing; opportunity to confer and discuss complaint and proceedings; action for damages

500.5209 Insurer's name; restrictions.

500.5210 Dealing in commodities prohibited; exception.

500.5214 Articles of incorporation; amendment.

500.5215 Articles of domestic stock insurer; amendment as to increase, decrease, or reclassification of capital stock.

500.5216 Articles; amendment as to reduction of capital; condition; methods of effecting reduction.

500.5218 Increase or decrease of capital stock; authorization by commissioner; approval by stockholders; vote; final approval; par value of stock; issuance of new stock.

500.5220 Blank forms for amending articles.

500.5222 Corporate life; extension.

500.5224 Corporate life; expiration, liquidation.

500.5228 Bylaws; adoption; filing.

500.5230 Special meetings of stockholders or members; notice of meetings.

500.5232 Voting rights; stockholders, members, proxies, fiduciaries, pledgees.

500.5234 Stockholders and members; voting rights, quorum.

500.5236 Voting rights; inspectors of election.

500.5238 Trustees or directors; residency requirement; director as policyholder of insurer; meetings; frequency; oath.

500.5239 Repealed.

500.5240 Discharging duties of director or officer; commencement of action for failure to perform duties.

500.5241 Indemnification against expenses of action, suit, or proceeding generally.

500.5242 Indemnification against expenses of action, suit, or proceeding; additional provisions.

500.5242a Indemnification against expenses of action, suit, or proceeding; mandatory; standard of conduct; determination.