Chapter 175

---

Chapter 175: INSURANCE

• Section 1 Definitions
• Section 2 Insurance contract; definition
• Section 2A Reinsurance contracts; status
• Section 2B Readability of policy form; definition; approval; actions based on language
• Section 3 Unauthorized insurance, annuity or variable annuity contracts; prohibition
• Section 3A Administration and enforcement of insurance laws by commissioner of insurance; report of violations
• Section 3B Action for injunction restraining violations of chapter
• Section 3C Promulgation of regulations defining certain terms relating to medical insurance
• Section 4 Examination of companies
• Section 4A Provision of data to commissioner by homeowners insurers and joint underwriting association; access to confidential data; annual report to general court
• Section 4B Annual report to commissioner of cancellations and non-renewals of homeowners policies
• Section 4C Nondiscrimination in provision, renewal, or cancellation of homeowners insurance
• Section 4D Coverage to be made available to residential owners for release of heating oil
• Section 4E Refusal to issue or renew private passenger motor vehicle insurance policy based on credit information prohibited
• Section 4F Liability insurance and notice requirements for operators of short-term rentals and hosting platforms
• Section 4G Verification of applicant driving history prior to issuing private passenger motor vehicle insurance policy
• Section 5 Revocation or suspension of license of foreign company; grounds; notice; appeal
• Section 6 Injunction and appointment of receiver for domestic company; grounds
• Section 7 Repealed, 1925, 154, Sec. 6
• Section 8 Repealed, 1924, 406, Sec. 17
• Section 8A Summoning of witnesses
• Section 9 Computation of reserve liability or net value of life company with respect to policies or contracts
• Section 9A Computation of claim fluctuation reserve of domestic life insurance company
• Section 9B Annual actuary opinion
• Section 9B1/2 Submission of opinion by appointed actuary as to adequacy of reserves and related actuarial items held in support of outstanding insurance contracts
• Section 10 Liability of company other than life company and health maintenance organization upon its contracts of insurance
• Section 11 Computation of assets and liabilities
• Section 11A Valuation of investments
• Section 12 Computation of reserve required of liability company
• Section 12A Repealed, 2004, 123, Sec. 11
• Section 13 Repealed, 1923, 39, Sec. 3
• Section 14 Charges and fees
• Section 14A Committee on Valuation of Securities of National Association of Insurance Commissioners; assessment of expenses
• Section 15 Repealed, 1993, 226, Sec. 14
• Section 16 Record of proceedings; certified copies
• Section 17 Annual report to the general court
• Section 18 Conduct of business in corporate name; publication of assets and liabilities
• Section 19 Repealed, 1931, 426, Sec. 273
• Section 19A Merger or consolidation; domestic corporations
• Section 19B Merger or consolidation; formation of foreign corporation
• Section 19C Merger or consolidation; rights of minority stockholders
• Section 19D Conversion from stock to mutual company
• Section 19E Conversion from mutual to stock company
• Section 19F Reorganization as domestic stock insurer owned by mutual holding company
• Section 19G Definitions applicable to Secs. 19F to 19W
• Section 19H Plan of reorganization; public hearing; approval of plan; meeting
• Section 19I Receipt of fee, commission or valuable consideration for aiding, promoting or assisting in reorganization
• Section 19J Withdrawal or amendment of plan of reorganization
• Section 19K Issuance of certificate of authority to reorganized insurer; approval of articles of organization; status upon effective date of plan; rights of members
• Section 19L Actions concerning plan or proposed plan of reorganization or plan amendment or proposed plan amendment
• Section 19M Amendment of amended articles of organization or plan of reorganization upon effective date; vote
• Section 19N Continued use of word ''mutual'' in name of reorganized insurer
• Section 19O Transfer of assets and liabilities of reorganized insurer
• Section 19P First offer of voting stock after effective date of plan of reorganization; application
• Section 19Q Mutual life insurer as reorganizing insurer; establishment of closed block or alternate method for protection of existing policyholders' contractual rights
• Section 19R Additional requirements applicable to reorganizing insurers, intermediate stock holding companies and mutual holding companies
• Section 19S Merger or consolidation of two or more mutual holding companies; written agreement of terms and conditions; pending actions, obligations and liabilities
• Section 19T Domestic mutual insurance company reorganizing with existing domestic or foreign mutual holding company; terms and conditions
• Section 19U Conversion of domestic mutual holding company into domestic stock corporation
• Section 19V Transactions entered into by mutual insurers for purpose of avoiding total gross investment income earned excise
• Section 19W Promulgation of regulations
• Section 19X Disclosure by mutual companies of compensation paid to executive officers and directors
• Section 20 Reinsurance
• Section 20A Credit for reinsurance; requirements
• Section 21 Limitation of amount insured in single risk; penalty
• Section 22 Unauthorized policy provisions; effect
• Section 22A Combination of hazards; approval
• Section 22B Waivers of provisions of this chapter; prohibition; penalty
• Section 22C Cancellation of motor vehicle policies
• Section 22D Statement of reasons for cancellation; liability
• Section 22E Refusal to issue, renew or execute motor vehicle liability policy or bond
• Section 22F, 22G Repealed, 1973, 551, Sec. 3
• Section 22H Refusal to issue or renew motor vehicle liability policies or bonds; suspension of license; public hearings; definitions
• Section 22I Amounts received in settlement of claims retained for unpaid premiums
• Section 23 Life company; impairment of funds; issuance of policies; penalty
• Section 23A Certain occurrences affecting insurance companies; notice to commissioner
• Section 24 Life insurance policies; accidental death, disability benefits; approval
• Section 24A Refusal to issue policy or limits on coverages based on sex of insured; prohibition
• Section 24B Modification in covered services or payments; prior notice of modification; contents of notices
• Section 24C Repealed, 1996, 376, Sec. 1
• Section 24D Lump sum insurance payments; exchange of claimant information between IV–D agency and insurance companies; withholding of past-due child support subject to lien
• Section 24E Duty to assist recovery of public benefits; denial of claims; penalties; electronic access; wrongful use; emergencies
• Section 24F Duty to exchange information with department of revenue; definitions; penalties for failure to exchange information; exceptions
• Section 25 Annual statements; form; contents
• Section 25A Workers' compensation providers; annual reports; contents
• Section 26 Failure to make and file annual statements; penalty
• Section 27 Annual statements; inclusion of schedule of claims made subject of suits
• Section 28 Undue delay or litigation of claims; commissioner's report to general court
• Section 29 Companies subject to this chapter
• Section 30 Applicability of other laws to certain domestic companies; ''stockholder'' defined
• Section 31 Continuation of certain domestic companies
• Section 31A Domestic companies formed by special acts; extension of territorial limits
• Section 32 Commencement of domestic company business; certificate; conditions precedent
• Section 33 Policies and endorsements; signatures; facsimile
• Section 34 Home office; change of address; perjury
• Section 35 Salaries of officers, trustees or directors of domestic company; authorization; limitations
• Section 36 Pension for domestic company employees
• Section 36A Agents and agency employees; retirement or insurance benefits
• Section 36B Health and accident insurance companies; employees insurance benefits
• Section 37 Vouchers for disbursements
• Section 37A Relief fund contributions by domestic company; charitable, scientific or educational contributions
• Section 38 to 43 Repealed, 1923, 120
• Section 44 Failure of domestic company to timely commence business; organization under special act; withdrawal from insurance business and continuance as business corporation
• Section 45 Unauthorized agencies; penalty
• Section 46 Insolvent domestic companies; preference of claims for unpaid losses
• Section 46A Insolvent domestic workers' compensation insurer; preference of claims for unpaid losses under workers' compensation policies
• Section 46B By-laws of domestic insurance companies; filings
• Section 47 Purposes for which companies may be incorporated under this chapter
• Section 47A Businesses in which domestic insurance company may engage
• Section 47B Mental health benefits; biologically-based mental disorders; mental disorders of rape victims; non-biologically-based mental disorders of children and adolescents under age 19
• Section 47C Dependent coverage for newborn infants or adoptive children; inclusion in policies of accident and sickness insurance
• Section 47D Cardiac rehabilitation expense benefits
• Section 47E Certified nurse midwife services benefits
• Section 47F Abortion, abortion-related care, prenatal, childbirth and postpartum care benefits; minimum coverage for in-patient care
• Section 47G Cytologic screening and mammographic examination expense benefits
• Section 47H Infertility, pregnancy-related benefits
• Section 47I Nonprescription enteral formulas for home use
• Section 47J Standardized claim form
• Section 47K Off-label drug use; cancer treatment
• Section 47L Off-label drug use; cancer; review panel
• Section 47M Repealed, 1996, 450, Sec. 208
• Section 47N Items medically necessary for diagnosis and treatment of diabetes
• Section 47O HIV/AIDS treatment; insurance coverage for certain off-label use of prescription drugs
• Section 47P Off-label use of prescription drugs for HIV/AIDS treatment; advisory panel
• Section 47Q Insurance benefits for services rendered by nurse anesthetists and nurse practitioners
• Section 47R Accident and sickness insurance benefits for bone marrow transplants
• Section 47S Accident and sickness insurance benefits for licensed hospice services
• Section 47T Scalp hair prostheses necessary due to cancer or leukemia treatment
• Section 47U Emergency services provided to insureds for emergency medical conditions
• Section 47V Coverage for human leukocyte or histocompatibility locus antigen testing
• Section 47W Outpatient services; hormone replacement therapy for peri and post menopausal women; contraceptive services; approved prescription contraceptive drugs or devises; exception
• Section 47X Diagnosis and treatment of speech, hearing and language disorders
• Section 47Y Coverage for medically necessary hypodermic syringes or needles
• Section 47Z Coverage for prosthetic devices and repairs
• Section 47AA Coverage for diagnosis and treatment of autism spectrum disorder
• Section 47BB Coverage for children under age 18 for cleft lip and cleft palate
• Section 47CC [There is no 175:47CC.]
• Section 47DD Coverage for orally administered anticancer medications
• Section 47EE Coverage for abuse deterrent opioid drug products
• Section 47FF Preauthorization or substance abuse treatment not to be required
• Section 47GG Coverage for medically necessary acute treatment and clinical stabilization services
• Section 47HH Repealed, 2016, 133, Sec. 109
• Section 47II Coverage for medical or drug treatments to correct or repair disturbances of body composition caused by HIV associated lipodystrophy syndrome
• Section 47JJ Filling of remaining portion of prescription for covered drug that is a narcotic substance earlier filled in lesser quantity
• Section 47KK Pain management access plan; non-medication and nonsurgical treatment; review; educational materials
• Section 47LL Coverage for tobacco use cessation counseling and tobacco cessation products
• Section 47MM Coverage for health care services delivered via telehealth
• Section 47NN Coverage for treatment of pediatric autoimmune neuropsychiatric disorders associated with streptococcal infections and pediatric acute-onset neuropsychiatric syndrome
• Section 47OO Repealed, 2021, 29, Sec. 21, eff. July 1, 2022
• Section 47PP Coverage for prescription eye drops
• Section 47QQ Coverage for mental health or substance use disorder services delivered through psychiatric collaborative care model
• Section 47RR Benefits for medically necessary emergency services programs
• Section 47SS Coverage for medically necessary mental health acute treatment, community-based acute treatment and intensive community-based acute treatment
• Section 47TT Coverage for annual mental health wellness examination
• Section 47UU Coverage for federally-defined preventive services
• Section 47VV Coverage for standard fertility preservation services
• Section 47WW Creditable coverage for postpartum depression and major depressive disorder screenings
• Section 47XX Creditable coverage for the provision of medically necessary pasteurized donor human milk and donor human milk-derived products
• Section 47YY Coverage for universal postpartum home visiting services
• Section 47ZZ Coverage for diagnostic examinations for breast cancer; digital breast tomosynthesis, MRIs and ultrasounds
• Section 47AA1/2 Coverage for treatment of Down syndrome through speech therapy, occupational therapy, physical therapy and applied behavior analysis services
• Section 47AAA Coverage for prescribed, ordered or dispensed opioid antagonists
• Section 47BBB Coverage for the provision of services by a recovery coach
• Section 47CCC Coverage for identified generic and brand name drug used to treat diabetes, asthma, and certain heart conditions
• Section 48 Stock companies; formation; capital; stock; options; promoter defined
• Section 48A Mutual companies; formation; capital and surplus
• Section 48B, 48C Repealed, 1968, 391, Sec. 7
• Section 49 Formation of corporation
• Section 49A Domestic insurers; requirements; transfer of domicile
• Section 50 Stock companies; amendment of articles of organization
• Section 50A Mutual companies; amendment of articles of organization
• Section 50B Amendment of articles of organization; submission; approval; filing; effective date
• Section 51 Domestic stock companies; kinds of business that may be transacted; power to combine
• Section 52 Repealed, 1928, 106, Sec. 5
• Section 53 Repealed, 1922, 76
• Section 54 Domestic mutual companies; kinds of business that may be transacted; power to combine
• Section 54A Domestic companies; risks and hazards in other states
• Section 54B Reinsurance of risks; exceptions
• Section 54C Motor vehicle insurance
• Section 54D Personal property floater
• Section 54E Dwelling houses; comprehensive and medical coverages
• Section 54F Commercial property, goods in storage or transit, and other merchandise or equipment; coverage by certain companies in fire insurance policies
• Section 54G Reinsurance or pooling of risks by life insurance companies; regulations; approval and certificate; restrictions
• Section 55 Continuation of mutual companies organized to transact employers' liability insurance or steam boiler insurance
• Section 56 Fraternal societies; reincorporation
• Section 57 Domestic stock companies; directors; quorum
• Section 58 Domestic stock companies; duties of directors
• Section 59 Domestic stock companies; president and secretary; duties; records; inspection
• Section 60 Domestic stock companies; bonds of officers
• Section 61 Repealed, 1970, 876, Sec. 19
• Section 62 Domestic stock companies; liability of officers
• Section 63 Capital and reserve; payment; investment
• Section 63A Limitation on acquisition of or investment in medium grade or lower grade obligations
• Section 64 Investments
• Section 65 Investment in loans upon mortgages
• Section 66 Life companies; investments
• Section 66A Life companies; acquisition of housing projects; limitations
• Section 66B Life companies; acquisition of realty; limitations
• Section 66C Life companies; investment in stock of insurance companies
• Section 66D Life companies; investment in and acquisition of stock of subsidiary corporations
• Section 66E Life companies; investment in limited partnership interests
• Section 66F Acquisition of interest in limited liability company by domestic life company
• Section 67 Life companies; charter limitations on investments; exception
• Section 68 Unauthorized investments; disposition
• Section 69 Impaired capital; assessment; effect of non-compliance with commissioner; order
• Section 70 Increase of stated capital
• Section 71 Reduction of stated capital
• Section 72 Dividends
• Section 73 Mutual fire companies; solicitation of business; issuance of policies; restrictions; penalties
• Section 74 Mutual fire companies; further insurance by certain companies; certificates
• Section 75 Mutual fire companies; underwriters; compensation
• Section 76 Mutual fire companies; members; annual meetings; voting rights
• Section 77 Mutual fire companies; directors
• Section 78 Mutual fire companies; laws applicable; records; perjury; inspection; jurisdiction
• Section 79 Mutual fire companies; guaranty capital; dividends; retirement
• Section 80 Mutual fire companies; dividends; accumulated profits
• Section 81 Mutual fire companies; premiums; contingent liability
• Section 82 Mutual fire companies; power of certain companies to take deposit notes
• Section 83 Mutual fire companies; assessments
• Section 84 Mutual fire companies; review or order of assessment by supreme judicial court
• Section 85 Mutual fire companies; penalty for guaranty against assessments; personal liability of officers
• Section 85A Mutual fire companies; non-assessable policies; issuance
• Section 86 Mutual marine companies; subscribers; losses; dividends; redemption fund
• Section 87 Repealed, 1934, 22
• Section 88 Mutual marine companies; applicability of Secs. 76, 77 and 78
• Section 89 Mutual marine companies; liability of president or director
• Section 90 Provisions relating to mutual fire companies applicable to other mutual companies
• Section 90A Policies; issuance by mutual fire and marine and automobile companies; conditions precedent
• Section 90B Policies; issuance by mutual fidelity and corporate surety companies; guaranty capital; members
• Section 90C Guaranty fund; creation in lieu of guaranty capital by certain mutual companies
• Section 91 Repealed, 1924, 406, Sec. 17
• Section 91/2 Valuation of reserve liabilities for outstanding insurance policies and annuity and pure endowment contracts
• Section 92 Mutual boiler companies; issuance of policies
• Section 93 Mutual liability companies; issuance of policies
• Section 93A Miscellaneous mutual companies; issuance of policies
• Section 93B Mutual surety, liability and casualty companies; issuance of policies; condition precedent
• Section 93C Mutual surety, liability and casualty companies; guaranty fund; establishment
• Section 93D Mutual surety, liability and casualty companies; impairment of guaranty capital or decrease in business; effect
• Section 93E Mutual life, liability and casualty companies; issuance of policies; dividends
• Section 93F Non-assessable policies; issuance
• Section 94 Mutual life companies; members, voting rights; selection and qualifications of directors
• Section 94A Definitions applicable to Secs. 94B to 94M and remainder of this chapter, and to chapter 152
• Section 94B Exchange of reciprocal or inter-insurance contracts
• Section 94C Domestic exchange; organization; preliminary certificate
• Section 94D Domestic exchange; provisional and permanent certificates to transact business; application and declaration
• Section 94E Foreign exchange; license to transact business; application and declaration; requirements
• Section 94F Examination of application and declaration by commissioner; issuance of license to transact business
• Section 94G Issuance of insurance contracts; conditions precedent
• Section 94H Required amount of assets, surplus and reserve maintained in hands of attorney in fact; applicability of other laws to exchanges
• Section 94I Annual reporting by reciprocal insurance exchange; examination of affairs of exchange by commissioner
• Section 94J Applicability of chapter to contracts of reciprocal or inter-insurance and exchanges thereof, attorneys in fact and other representatives
• Section 94K Advisory committee
• Section 94L Power of attorney
• Section 94M Unused premium deposits
• Section 94N Domestic exchange; conversion to or merger with domestic mutual insurance company
• Section 95 Fire insurance policy of amount exceeding fair value of property or for term of longer than seven years prohibited
• Section 95A Requirement of fire insurance policy exceeding amount of outstanding mortgage prohibited
• Section 95B Discrimination against abuse victim in any term or condition of residential property insurance policy prohibited
• Section 96 Fire loss; limitation on liability beyond actual value of insured property; reimbursement of premium paid on amount in excess of actual value
• Section 96A Loss of use or occupancy; limitations
• Section 97 Payment to mortgagees under fire insurance policy
• Section 97A Claims for loss or damage to real property in amount greater than five thousand dollars; priority of claims of city or town for payment of municipal liens
• Section 98 Application for fire insurance
• Section 99 Standard form and content of policies or contracts insuring against loss or damage by fire or by fire and lightning
• Section 99A Loss or damage caused by nuclear reaction, nuclear radiation or radioactive contamination
• Section 99B Property insurance for business, professional or governmental operation; multi-peril homeowners insurance for condominiums
• Section 99C Sailmaker shops; insurance against damage or loss by fire or fire and lightning
• Section 100 Reference of amount of loss under policy of fire insurance to referees; selection of referees
• Section 100A Reference of amount of loss under policy of fire insurance to referees; appointment of replacement referee
• Section 100B Reference of amount of loss under policy of fire insurance to referees; qualification of referee
• Section 101 Reference of amount of loss under policy of fire insurance to referees; timing of hearing
• Section 101A Reference of amount of loss under policy of fire insurance to referees; publication and delivery of award
• Section 101B Reference of amount of loss under policy of fire insurance to referees; liability of company and insured for compensation and expenses of third referee; review by commissioner
• Section 101C Reference of amount of loss under policy of fire insurance to referees; payment of charges of third referee
• Section 101D Determination by referees of sound value of property affected
• Section 101E Reference of amount of loss or sound value of affected property under policy of fire insurance to referees; non-waiver of legal defenses to claim
• Section 101F Reference of amount of loss or sound value of affected property under policy of fire insurance to referees; penalty for non-compliance with Secs. 100, 101A or 101D
• Section 101G Reference of amount of loss or sound value of affected property under policy of fire insurance to referees; effect of appointment of receiver for domestic fire company
• Section 101H Sound value
• Section 102 Proof of loss; written notice of fire in lieu of sworn statement specified by Sec. 99
• Section 102A Combination policies; contents; commissioner's approval
• Section 102B Combination policies; mutual companies
• Section 102C Policy against loss or damage to property by radioactive contamination; form; contents; requisites
• Section 102D National flood insurance program; authorization of participating companies to issue policies; proof of loss; service of process
• Section 102E Crime insurance policies
• Section 103 Repealed, 1923, 336, Sec. 2
• Section 104 Repealed, 1947, 614, Sec. 2
• Section 105 Fidelity and corporate surety companies; powers
• Section 106 Foreign fidelity and corporate surety companies; deposit with state treasurer
• Section 107 Surety bonds; status
• Section 108 Accident and health insurance policies; commissioner's approval; contents
• Section 108A Refusal to issue policy of accident and sickness insurance for reason of blindness or deafness prohibited
• Section 108B Inclusion of registered dentists within meaning of ''physician'' or ''doctor'' as used in policies of accident and sickness insurance or contracts for health care, services or benefits
• Section 108C Discrimination in issuance, denial, cancellation, renewal or rates of policy of accident and sickness insurance for reason of exposure to diethylstilbestrol or DES compounds prohibited
• Section 108D Reimbursement for chiropractic services
• Section 108E Disclosure of information relating to outpatient diagnosis or treatment of mental or nervous conditions
• Section 108F Repealed, 1993, 110, Sec. 201
• Section 108G Discrimination in issuance, denial, cancellation, renewal or rates of policy of accident and sickness insurance based on information that individual has been victim of abuse prohibited
• Section 108H Terms of accident or sickness insurance policies; genetic tests; discrimination based on genetic information
• Section 108I Disability or long term care insurance policies; genetic tests; discrimination based on genetic information
• Section 108J Disability insurance policies; discrimination based upon lawful travel experiences or plans prohibited
• Section 108K [There is no 175:108K.]
• Section 108L Attribution of members to a primary care provider
• Section 108M Disclosure of patient-level data and contracted prices of individual health care services by carriers to providers
• Section 108N Disability insurance policies; discrimination based upon race, color, religious creed, national origin, sex, pregnancy, gender identity, sexual orientation or marital status prohibited
• Section 109 Repealed, 1954, 275, Sec. 2
• Section 110 General or blanket policies; power to issue; non-applicability of Sec. 108
• Section 110A Disability insurance; exemption from attachment; exception
• Section 110B Non-payment of premium of accident, health or individual life insurance policy; termination or lapse of policy; notice; limitation of action
• Section 110C Health insurance of persons over 65; issuance by two or more companies
• Section 110D Continuation of coverage after insured leaves group covered by general or blanket policy
• Section 110E Standards for disclosure of form, content and advertising of accident and sickness insurance policies; rules and regulations; enforcement procedures and penalties
• Section 110F Effect of federal social security benefit increase upon payment of benefits under disability policy
• Section 110G Continuation of coverage under group hospital, surgical or medical insurance plan upon involuntary layoff or death of member
• Section 110H Cancellation of policy of accident and health upon insured reaching age 65; notice to insured
• Section 110I Continuation of coverage under group hospital, surgical, medical or dental insurance plan upon divorce or separation of member
• Section 110J Group policies issued to trustees of fund appointed by council on aging
• Section 110K Alternative dental coverage option
• Section 110L Clinical trials; definitions; coverage
• Section 110M Statements provided to individuals provided with creditable coverage; reports
• Section 111 Beneficiary; power to sue
• Section 111A Liability insurance; combination policies; contents; commissioner's approval
• Section 111B Liability insurance; combination policies; issuance by mutual companies; notice of reduced or eliminated coverages
• Section 111C Medical pay provisions
• Section 111D Uninsured vehicle endorsement
• Section 111E Professional liability policies
• Section 111F Medical reports; furnishing copy to injured person or attorney
• Section 111G Extent of family coverage; stated deductible amount
• Section 111H Liability insurance for residential property owners complying with lead poisoning prevention guidelines
• Section 112 Payment of losses; regulations
• Section 112A Liquor liability insurance; coverage
• Section 112B Cancellation of liquor liability insurance by insurer; notice to insured and to licensing authorities
• Section 112C Disclosure of coverage limits to claimants; penalty
• Section 113 Judgment; satisfaction
• Section 113A Motor vehicle liability policies; contents; commissioner's approval; options to purchase policies or bonds; notice of reduced or eliminated coverages
• Section 113B Classification of risks and premium charges in connection with motor vehicle liability policies or bonds
• Section 113C Notice to registrar of companies authorized to issue motor vehicle liability policies or to act as surety upon motor vehicle liability bonds; mandatory offer of additional coverage; limits
• Section 113D Cancellation of motor vehicle liability policy; proceedings; review
• Section 113E Deposit premiums
• Section 113F Notice of intent to not issue, extend or renew motor vehicle liability policy or to execute or act as surety on motor vehicle liability bond
• Section 113G Officers, directors and employees of company issuing or executing motor vehicle liability policies or bonds; financial interest in companies or agencies; restrictions
• Section 113H Assigned risk plans
• Section 113I Freedom of contract between insurers and agents or brokers; manner of issuing policies
• Section 113J Furnishing of reports of medical examinations of person injured in motor vehicle accident
• Section 113K Minors; contracts for motor vehicle liability insurance
• Section 113L Uninsured motorists; insufficient liability limits; coverage
• Section 113M Repealed, 1981, 775, Sec. 3
• Section 113N Medical examination of applicant for motor vehicle liability policy or bond prohibited
• Section 113O Fire and theft or comprehensive coverage; payments for loss or damage to insured vehicle; statements to police; claim forms; actions for nonpayment
• Section 113P Appeals from application of safe driver insurance plan
• Section 113Q Inclusion of automobile club memberships in automobile insurance policy prohibited
• Section 113R Interest on refunds of overpayments or overdue payments of motor vehicle liability insurance premiums
• Section 113S Inspection of vehicles prior to provision of coverage
• Section 113T Repair shop coverage
• Section 113U Antique motor car policies
• Section 113V Overutilization of practice or fraud involving automobile insurance claims; medical licensing boards; investigations
• Section 113W Hospitality mutual insurance company; conversion of liquor legal liability joint underwriting association; authorized transactions; board of directors
• Section 113X Motor vehicle glass repair covered by motor vehicle liability insurance; prohibited acts by insurers; penalty
• Section 113B1/2 Increase in premium of motor vehicle liability policy resulting from at-fault accident not satisfying criteria for minor or major accident prohibited
• Section 114 Title insurance companies; applicability of chapter
• Section 115 Repealed, 1924, 406, Sec. 17
• Section 116 Title guarantee funds
• Section 116A Foreign title insurance companies; applicability of chapter
• Section 117 Steam boiler insurance; term of policy
• Section 117A Marine and sprinkler leakage insurance; combination policies; contents; commissioner's approval
• Section 117B Credit insurance; combination policies; contents; commissioner's approval
• Section 117C Determination of premium rates with respect to credit life insurance and credit accident and health insurance; filing; reports
• Section 117D Credit involuntary unemployment insurance
• Section 118 Life company defined
• Section 119 Domestic life companies; power to make pure endowment contracts and grant annuities.
• Section 119A Proceeds of annuity contract or policy of life insurance retained by life company; alienation, assignment, etc. by beneficiary
• Section 119B Refund of prepaid individual life insurance premiums upon death of insured
• Section 119C Interest on proceeds payable under policy of individual life insurance upon death of insured
• Section 120 Discrimination by life company in amount or payment of premiums or rate charged, in benefits payable, or in any other term of contract prohibited
• Section 120A Refusal to issue policy of individual life insurance for reason of an intellectual disability prohibited
• Section 120B Refusal to issue policy of individual life insurance for reason of blindness prohibited
• Section 120C Discrimination in cancellation, issuance, renewal or rates of policies on the lives of persons for reason of exposure to diethylstilbestrol or DES compounds prohibited
• Section 120D Discrimination in cancellation, issuance, renewal or rates of policies of life insurance or endowment insurance for reason that individual has been victim of abuse prohibited
• Section 120E Unfair discrimination based on results of genetic test or the provision of genetic information prohibited; genetic tests as condition to issuance or renewal of policy on the life of person prohibited
• Section 120F Discrimination in terms or conditions of group or individual annuity, pure endowment contract or certificate prohibited
• Section 121 Sale or purchase of securities in connection with contract of life or endowment insurance or annuity prohibited
• Section 122 Discrimination against colored persons of African descent in conditions and premium charged for policies of life insurance prohibited
• Section 122A Discrimination based upon lawful travel experiences or plans prohibited; life insurance policies
• Section 122B Discrimination based on having prescription for or purchase or possession of opioid antagonist prohibited; life insurance policies
• Section 123 Application for issuance of policy of life or endowment insurance; change of designation of beneficiary
• Section 123A Insurable interest of corporation in the life or physical or mental ability of corporate director, officer, employee, etc.
• Section 124 Claims under policy issued by life company; binding effect of statements in application for life insurance policy issued without medical examination
• Section 125 Beneficiaries of policy of life or endowment insurance; entitlement to proceeds against creditors of person effecting policy
• Section 126 Policy of life or endowment insurance payable to or for the benefit of a married woman
• Section 127 False or fraudulent statements in application for life or endowment insurance; penalties
• Section 128 Age of competency to contract for life or endowment insurance
• Section 128A Repealed, 1975, 111, Sec. 1
• Section 129 Plain description upon face of policy of life or endowment insurance or annuity required
• Section 130 Policies of life or endowment purporting to be issued or to take effect more than six months before date of application; annuities or pure endowments contracts purporting to be issued or to take effect at higher age
• Section 131 Endorsement or attachment of application as a part of policy of life or endowment insurance
• Section 132 Policies of life or endowment insurance; form and content; commissioner's approval
• Section 132A Group annuity contract; definitions
• Section 132B Group annuity contract; issuance; form; commissioner's approval; review; contents
• Section 132C Group annuity contract; exemption from process; exception
• Section 132D Group annuity contracts; members
• Section 132E Group annuity contract; construction
• Section 132F Pension contracts; funding agreements; separate accounts
• Section 132G Variable annuity contracts; issuance; contents; separate investment accounts; reserve liability; approval; rules and regulations
• Section 132H Variable annuity contracts; investment of assets; limitations; rules and regulations
• Section 132I Funding agreements
• Section 132A1/2 Requirements for other group annuity contracts
• Section 133 Group life insurance defined
• Section 133A Requirements for other group life insurance policies
• Section 134 Group life policies; commissioner's approval; contents
• Section 134A Conversion from group life insurance policy to another type of life policy; right of certificate-holder; notice
• Section 134B Repealed, 1968, 391, Sec. 19
• Section 134C Group life policies; assignment of incidents of ownership
• Section 135 Group life policies; exemption from attachment; exception
• Section 136 Group life policies; exemption from loan provision
• Section 137 Group policies; members
• Section 138 Application of chapter to Secs. 133 to 137
• Section 138A Group life policies; pay-roll deductions of state and local employees
• Section 139 Conversion, alteration or exchange of life or endowment insurance or annuity contracts
• Section 140 Annual dividends on policies of life or endowment insurance
• Section 141 Safety fund
• Section 142 Loan from life company upon policy of life insurance; interest rate; loan value; definitions
• Section 143 Applicability of forfeiture laws to policies of life insurance and deferred annuity contracts
• Section 144 Default in payment of premium on policy of life insurance; surrender of policy for cash value; taking of paid-up nonforfeiture benefit
• Section 144A Repealed, 2004, 59, Sec. 2
• Section 144A1/2 Annuity contracts; required provisions
• Section 145 Cash surrender value of policies of industrial life insurance
• Section 146 Policies of industrial life insurance; applicability of Sec. 144
• Section 146A Default in payment of premium on policy of industrial life insurance; notice of non-forfeiture benefit
• Section 146B Massachusetts Life and Health Insurance Guaranty Association Law
• Section 147 to 147B Repealed, 1943, 227, Sec. 10
• Section 148 Repealed, 1928, 148, Sec. 2
• Section 149 Participating and nonparticipating policies of life, endowment and accident and sickness insurance and annuity and pure endowment contracts
• Section 149A Unclaimed funds; definitions
• Section 149B Unclaimed funds; reports by companies
• Section 149C Unclaimed funds; payment to state treasurer
• Section 149D Unclaimed funds; custody; claims; proceedings; judgment and satisfaction
• Section 149E Examination of records of life company by state treasurer
• Section 149F to 149L Repealed, 2010, 469, Sec. 1
• Section 149M Definitions applicable to Secs. 149M to 149X
• Section 149N Service contracts; duties of provider
• Section 149O Reimbursement of covered sums or performance of service pursuant to reimbursement insurance policy
• Section 149P Form and content of service contracts
• Section 149Q Prohibited language in provider name; false or misleading statements; purchase of service contract as condition of loan or sale of property prohibited
• Section 149R Maintenance and retention of accounts, books and records
• Section 149S Termination of reimbursement insurance policy
• Section 149T Receipt of premiums for reimbursement insurance policy; insurer right to indemnification or subrogation
• Section 149U Enforcement of Secs. 149M to 149W
• Section 149V Exemptions from Secs. 149M to 149W
• Section 149W Rules and regulations
• Section 149X Retention and use of collected registration fees
• Section 150 Admission of foreign companies
• Section 151 Conditions of admission of foreign companies
• Section 152 Kinds of business which may be transacted by foreign companies
• Section 152A Foreign mutual fire companies; non-assessable policies; issuance; conditions
• Section 153 Foreign life companies; conditions of admission
• Section 154 Service of process on foreign company; duty of commissioner; fees
• Section 155 Companies formed under laws of any government or state other than the United States or one of the United States; conditions of admission
• Section 156 Companies formed under laws of any government or state other than the United States or one of the United States; appointment of trustees
• Section 156A Cessation of issuance of policies or making of contracts by foreign company upon revocation or suspension of license or failure to maintain required amounts of capital or assets
• Section 157 Repealed, 2000, 96, Sec. 3
• Section 158 Effect of war between United States and foreign country upon policies and contracts issued by company organized under laws of such foreign company
• Section 159 Retaliatory taxes, fines, penalties, etc.
• Section 160 Persons aiding foreign company not lawfully admitted to issue policies or contracts; penalty; reinsurance or transfer of primary obligation to meet actual risk assumed under policy to unlicensed company or company with insufficient net cash assets prohibited
• Section 160A Advertisement for or on behalf of unlicensed foreign company or fraternal benefit society prohibited
• Section 160B Publication of notice by commissioner of unlicensed foreign company or fraternal benefit society
• Section 160C Automobile insurance; company as agent for insurers doing business in Mexico; separate accounts; payment of percentage of gross premiums
• Section 160D Agent or broker securing automobile coverage with Mexican companies; separate accounts; payment of percentage of gross premiums
• Section 161 Repealed, 1929, 6, Sec. 1
• Section 161A Definitions applicable to Secs. 161A to 161E
• Section 161B Domestication of United States branch of alien insurer; domestication agreement
• Section 161C Approval of domestication agreement by alien and domestic insurer
• Section 161D Approval of domestication agreement by commissioner
• Section 161E Domestication of United States branch of alien insurer effective upon filing of instrument of transfer and assumption
• Section 162 Agent, broker and adjuster defined; on-premises and off-premise solicitation of negotiation of policy of insurance
• Section 162A Repealed, 2002, 106, Sec. 4
• Section 162B Agents and brokers; power to accept installment premiums
• Section 162C Direct billing; mandatory agreements prohibited
• Section 162D Expense premium commissions; payment to insurance agents; additional compensation
• Section 162E Motor vehicle insurance made by insurer pursuant to American agency system; insurer commission arrangements
• Section 162F Property or casualty insurance information; proprietary rights of agents and brokers
• Section 162G Licensing of insurance producers; Secs. 162H through 162X govern qualifications and procedures
• Section 162H Definitions applicable to Secs. 162G to 162X
• Section 162I License required to sell, solicit or negotiate insurance
• Section 162J Insurance producer license; persons not required to be licensed
• Section 162K Insurance producer license; written examination
• Section 162L Insurance producer license; application; requirements for approval
• Section 162M Insurance producer license; qualification; lines of authority
• Section 162N Insurance producer license; nonresident producer licenses
• Section 162O Insurance producer license; application by individual licensed as an insurance producer in another state
• Section 162P Insurance producer doing business under assumed name; notice
• Section 162Q Insurance producer license; temporary license
• Section 162R Insurance producer license; suspension, revocation, refusal to issue or renew or levying of civil penalties
• Section 162S Insurance producers acting as agents of insurers; appointment procedures
• Section 162T Insurer's termination of appointment, contract, etc. with producer; procedures
• Section 162U Insurance producer license; waiver of requirements for nonresident license applicant
• Section 162V Reporting of administrative action taken against insurance producer; reporting of criminal prosecution of insurance producer
• Section 162W Promulgation of regulations relating to insurance producers
• Section 162X Severability of Secs. 162G to 162X
• Section 162Y Portable electronics insurance
• Section 162Z Travel insurance; limited lines travel insurance; license
• Section 163 Agents; licensing; cancellation, modification, revocation, or expiration of contract; referees; decision; review
• Section 163A Repealed, 2002, 106, Sec. 7
• Section 164 Collectors of premiums
• Section 164A Lapsed industrial life policies; effect on agents' commissions
• Section 165 Repealed, 2002, 106, Sec. 8
• Section 166 Repealed, 2002, 106, Sec. 9
• Section 166A Repealed, 2002, 106, Sec. 10
• Section 166B Revocation of license; disposition of interest as proprietor, employee, etc. of insurance producer; appointment of receiver; injunction
• Section 167 Repealed, 2002, 106, Sec. 15
• Section 167A Insurance producer license; fee exemption for certain persons
• Section 168 Special insurance brokers; licensing; procurement of insurance in unauthorized companies
• Section 168A Procurement by special broker of insurance from an eligible alien unauthorized insurer
• Section 169 Effect of payment to agent or broker
• Section 170 Agent or broker; procurement of payment of premium by fraud; penalty
• Section 171 Illegal insurance contracts; liability of agent
• Section 172 Adjusters of fire losses; licensing; penalty; examination for applicants
• Section 172A Voluntary association licenses
• Section 173 Partnership licenses
• Section 174 Corporation licenses
• Section 174A Hearings, revocation or suspension of licenses; notices
• Section 174B Revoked licenses; surrender; renewal certificates; penalty
• Section 174C Repealed, 2002, 106, Sec. 33
• Section 174D Repealed, 2002, 106, Sec. 34
• Section 174E Repealed, 1998, 129, Sec. 3
• Section 174F Business Transacted With Broker–Controlled Insurer Act
• Section 174G Definitions applicable to Secs. 174F to 174K
• Section 174H Applicability of Secs. 174F to 174K
• Section 174I Written contract between controlling broker and insurer required
• Section 174J Notice to prospective insured disclosing broker-controlled insurer relationships
• Section 174K Violations of Secs. 174F to 174K; remedies
• Section 175 Representation or advertisement as agent, broker or adjuster without being duly licensed; carrying on of business in name other than that stated in license
• Section 176 Larceny by agent or broker
• Section 176A Refund or credit of return premiums on cancelled motor vehicle policies; penalty
• Section 177 Unlicensed persons; compensation; penalty
• Section 177A Insurance adviser defined
• Section 177B Insurance adviser license
• Section 177C Contracts or agreements with insurance adviser; enforceability
• Section 177D Statement and receipt from insurance adviser specifying advice given and fee paid
• Section 177E Continuing educational requirements
• Section 177F Managing General Agents Act
• Section 177G Definitions applicable to Secs. 177F to 177L
• Section 177H Managing general agent; licensure and errors and omissions coverage required
• Section 177I Contracts between managing general agent and insurer; required provisions
• Section 177J Independent financial examination of managing general agent; actuary opinion of loss reserves; review of processing operations; notification to commissioner of appointment or termination
• Section 177K Acts of managing general agent considered acts of insurer; examination by commissioner
• Section 177L Administrative action against managing general agent; authority of commissioner; penalties
• Section 177M Reinsurance Intermediary Act
• Section 177N Definitions applicable to Secs. 177M to 177W
• Section 177O Reinsurance intermediary brokers; bonds; licenses; applications
• Section 177P Contracts between reinsurance intermediary broker and insurer; required provisions
• Section 177Q Maintenance of records by reinsurance intermediary broker
• Section 177R Reinsurance intermediary broker license required; employment restrictions; annual financial statements
• Section 177S Contracts between reinsurance intermediary manager and reinsurer; required provisions
• Section 177T Prohibited acts by reinsurance intermediary manager
• Section 177U Reinsurance intermediary manager license required; annual financial statements; actuary opinion of loss reserves; notice of termination; prohibited appointments
• Section 177V Examination of reinsurance intermediary by commissioner
• Section 177W Administrative action against reinsurance intermediary; authority of commissioner; penalties
• Section 178 Receiver of insolvent company; compensation and accounts
• Section 179 Receiver of insolvent company; appointment of commissioner, deputy or assistant as receiver
• Section 180 Receiver of insolvent company; examination of accounts and transactions
• Section 180A Definitions applicable to Secs. 180A to 180L3/4
• Section 180B Domestic companies; rehabilitation proceedings
• Section 180C Domestic companies; liquidation proceedings; approval of proposal to distribute; notice of application
• Section 180D Domestic companies; duty of receivers to give notice of appointment
• Section 180E Ancillary receiver of foreign insurer
• Section 180F Proof of claims of non-residents; liquidation proceedings; priority of distribution
• Section 180G Proof of claims; liquidation proceedings; cause of action against policyholder
• Section 180H Contingent claims; distribution of assets of insolvent insurer
• Section 180I Liquidation proceedings commenced in reciprocal state; proof of claims
• Section 180J Special deposit claims; liquidation proceedings; priority
• Section 180K Secured claims; liquidation proceedings
• Section 180L Severability of Secs. 180A to 180K
• Section 180M Definitions applicable to this section and Secs. 180N to 180Q
• Section 180N Adoption of bylaws reasonably necessary for operation of company during national emergency
• Section 180O Provisions becoming effective upon occurrence of national emergency in absence of bylaws adopted pursuant to Sec. 180N
• Section 180P Succession of officers during national emergency
• Section 180Q Location of home office or principal place of business of company in the event of national emergency
• Section 180L1/2 Termination, liquidation, etc., and rights under security agreements relating to netting agreements or qualified financial contracts; transfer of netting agreement or qualified financial contracts
• Section 180L3/4 Federal home loan banks; stay of exercise of rights or cause of action under pledge, security, loan, etc.; receiver, rehabilitator, liquidator avoidance of transfer of money or other property; repurchase of outstanding capital stock upon receipt of redemption request; process or timeline for release of collateral, payment of fees, redemption or repurchase of federal home loan bank stock
• Section 181 Misrepresentations by insurer; penalty
• Section 182 Special inducements, etc.; rebates; loans in connection with student loan insurance programs
• Section 183 Rebates; acceptance; prohibition
• Section 184 Application of Secs. 182 and 183
• Section 185 Deposits by companies in compliance with state laws to be held by state treasurer in trust
• Section 186 Misrepresentation or warranty by insured; effect
• Section 186A Delivery of policy; presumptions
• Section 186B Effect of lack of sworn statement of loss; laws applicable
• Section 187 Foreign companies; contents of policies
• Section 187A Actions on policies; limitation
• Section 187B Cancellation of policy; failure to return premium; penalties
• Section 187C Cancellation of policy; procedure
• Section 187D Cancellation of policy; non-payment of premium
• Section 187E Small claims; payments to heirs of decedents
• Section 187F Cancellation of policies during strike of insurance agents
• Section 187G Lapse of certain life insurance policies during strike of agents; reinstatement
• Section 187H Owner's right to cancel policy; notice; refund of prepaid premiums
• Section 188 Unlawful use of proxy; penalty
• Section 189 Policies in violation of this chapter; penalty
• Section 190 Repealed, 1924, 406, Sec. 17
• Section 190A Definitions applicable to this section and Secs. 190B and 190C
• Section 190B Mass marketed life or health insurance; reasonableness of charges; findings; orders; review
• Section 190C Mass marketed life or health insurance; nonresident insurers; compliance with state laws
• Section 191 Commissioner; power to require submission of policies and circulars for inspection; penalty
• Section 191A Property damage to insured's motor vehicle; notice of losses; arbitration clause
• Section 192 Riders and endorsements; commissioner's approval
• Section 192A Loose leaf policies; filing and approval
• Section 193 Policies issued contrary to this chapter; validity
• Section 193A Jurisdiction of superior court to restrain violations of chapter and enforce compliance of provisions thereof
• Section 193B Motor vehicle insurance; instalment payments
• Section 193C Domestic companies; interlocking directorates; regulations; procedure
• Section 193D Domestic companies; power to acquire stock of other companies; regulations
• Section 193E Coercion in the placing of insurance on real or personal property prohibited; fines; exceptions
• Section 193F Policy forms; filing with commissioner; approval
• Section 193G Policy forms; disapproval; resubmission for approval
• Section 193H Policy forms; withdrawal of approval; notice and hearing; review
• Section 193I Disclosure of investments of officers, directors and principal stockholders
• Section 193J Solicitation of proxies
• Section 193K Professional services; provisions for payment; discrimination
• Section 193L to 193N Repealed, 1993, 226, Sec. 49
• Section 193O Repealed, 1972, 543, Sec. 2
• Section 193P Fire insurance policies; nonrenewal notice provision; requisites of notice
• Section 193Q Repealed, 1993, 226, Sec. 50
• Section 193R Group marketing plans for automobile and homeowner insurance; definitions; rules and regulations; rates; payroll deductions
• Section 193S Repealed, 1993, 226, Sec. 50A
• Section 193T Discrimination based on blindness, intellectual disability, or physical impairment
• Section 193U Discrimination based on specialty practiced; risk classification; definitions
• Section 193V Discrimination based on reproductive health care or gender-affirming health care services
• Section 193B1/2 Motor vehicle insurance; interest charges on installment payments
• Section 194 General penalty
• Section 195 Insurance companies writing fire and multiple peril policies required to contribute to costs of training firefighting personnel, enforcement of certain fire code regulations, fire education programs, equipment and facility improvements
• Section 196 Payment under liquor liability insurance; notice to Attorney General
• Section 197 to 203 Repealed, 1989, 341, Sec. 84
• Section 204 Regulations governing replacement of life insurance policies and annuities; promulgation
• Section 205 Policies providing supplemental coverage to medicare; approval by commissioner; employers or trade unions exception; regulations
• Section 206 Definitions applicable to Secs. 206 to 206D
• Section 206A Domestic insurers; investment in capital stock of subsidiaries
• Section 206B Merger or acquisition of control; statement filed with commissioner; hearing; approval; violations
• Section 206C Registration statements; transactions requiring commissioner's approval; determination of reasonable surplus; confidentiality of information; group-wide supervisor for internationally active insurance group
• Section 206D Violations of Secs. 206 to 206D or rule issued thereunder; injunctive relief; voting of improperly acquired securities; penalties
• Section 207 Acquisition of stock of subsidiary insurer; approval of plan by commissioner; objections of shareholders
• Section 208 Merger of insurance holding company system into domestic insurance subsidiary
• Section 209 Commissioner's issuance of licenses to banks or credit unions to act as insurance producers
• Section 210 Procedure for resolution of consumer complaints relative to banks or credit unions acting as insurance agents
• Section 211 Information relating to insurance activities of banks or credit unions furnished to federal agencies
• Section 212 Definitions applicable to Secs. 212 to 223E
• Section 213 License requirement for life settlement providers and life settlement brokers
• Section 214 Suspension, revocation or refusal of renewal of life settlement provider or life settlement broker license
• Section 215 Approval of life settlement contract form and disclosure statement form
• Section 216 Annual statement of life settlement provider
• Section 217 Disclosure by life settlement provider, broker, insurance company, etc., of individual identification data of insured
• Section 218 Examination of business and affairs of life settlement provider, broker or applicant
• Section 219 Advertising by life settlement broker or provider
• Section 220 Required disclosures by life settlement providers and brokers
• Section 221 Use of policy as collateral in premium finance loan
• Section 222 General rules relating to life settlement contracts
• Section 223 Conflict of laws
• Section 223A Fraudulent life settlement acts
• Section 223B Control, prevention and reporting of fraud relating to life settlement contracts
• Section 223C Remedies for violations of Secs. 213 to 223E
• Section 223D Penalties
• Section 223E Violation of Secs. 213 to 223E deemed unfair trade practice
• Section 223F Authority of commissioner to promulgate regulations
• Section 224 Large commercial policy holders; definitions; commercial risks; records examination
• Section 225 Disclosure notice in policy issued pursuant to commercial risks provisions of Sec. 224; large commercial policy holders
• Section 226 Pharmacy audits; standards for the conduct of audits of records; appeals
• Section 227 Statement of actuarial opinion and actuarial opinion summary
• Section 228 Transportation network drivers; insurance requirements
• Section 229 Self-service storage insurance
• Section 230 Applicability of chapter 176W to insurers governed by this chapter
• Section 1441/2 Defaulting or surrendering policyholders; minimum requirements; construction with Sec. 144