Kansas Administrative Regulations | Kansas Department of Insurance

Article 1. General

Article 2. Life Insurance

40-2-7 Life insurance companies and fraternal benefit associations; lapse of policies providing for automatic term insurance or fractional paid-up insurance; notice to policyholders required.
40-2-8 Life insurance policies; premium deposit fund provisions; requirements.
40-2-9 Life insurance companies; extra premium payments; limits.
40-2-10 Same; deficiency reserves; requirements.
40-2-11 Life insurance policies; "wholesale" or "franchise" plan; requirements.
40-2-12 Replacement of life insurance and annuities.
40-2-13 Life insurance policies; promissory notes and installment contracts; college students; requirements.
40-2-14 Life insurance and annuities; deceptive practices; requirements; prohibitions.
40-2-14a Life insurance and annuities; recommendation standards
40-2-15 Individual life insurance policies; right to return policy.
40-2-16 Life insurance and annuities; mortality tables; sexual distinctions; permits and prohibitions.
40-2-17 Life insurance and annuities; mortality tables; smokers and nonsmokers; permits and prohibitions.
40-2-18 Annuities; mortality tables; permits and prohibitions; effective dates.
40-2-19 Kansas life and health insurance guaranty association act; notice to policyholders; requirements.
40-2-20a Life insurance; accelerated benefits; requirements and restrictions.
40-2-23 Life insurance; preneed funeral contracts or arrangements; disclosure; requirements.
40-2-24 Life and health reinsurance agreements.
40-2-25 Life insurance illustrations.
40-2-26 Valuation of life insurance policies.
40-2-27 Minimum reserve liabilities and nonforfeiture benefits.
40-2-28 Preneed insurance contracts; minimum standards for determining reserves.
40-2-29 Life insurance; valuation of credit life insurance policies.
40-2-30 Military sales practices.
40-2-31 Minimum requirements for viaticating a policy.

Article 3. Fire and Casualty Insurance

Article 4. Accident and Health Insurance

40-4-1 Accident and health insurance; individual policies; rate filings; requirements.
40-4-2 Accident and health insurance policies; franchise plan; requirements.
40-4-3 Accident and health insurance policies; renewal and cancellation conditions; description required; cross-reference of renewal and cancellation provisions.
40-4-4 Accident and health insurance policies; limitation on the use of the terms "non-cancellable", "non-cancellable and guaranteed renewable" and "guaranteed renewable."
40-4-12 Accident and health policies; application as part of the policy; notice required.
40-4-13 Accident and health insurance; applications; "catchall' questions.
40-4-17 Accident and health insurance companies; record of loss experience required; form adopted by the national association of insurance commissioners; filing date.
40-4-18 Accident and health insurance companies; releases; requirements.
40-4-21 Accident and health insurance; reserve standards for individual policies.
40-4-22 Accident and health insurance policies; right to return policy.
40-4-23 Accident and sickness insurance; deceptive practices; requirements; prohibitions.
40-4-25 Accident and sickness insurance standards for benefits; purpose.
40-4-26 Same; basic hospital expense coverage.
40-4-27 Same; basic medical-surgical expense coverage.
40-4-28 Same; hospital confinement indemnity coverage.
40-4-29 Same; major medical expense coverage.
40-4-30 Same; disability income protection coverage.
40-4-31 Same; standards for benefits; accident only coverage.
40-4-32 Same; standards for benefits; specified disease coverage.
40-4-33 Same; standards for benefits;specified accident coverage.
40-4-34 Accident and health insurance; coordination of benefits; guidelines.
40-4-35 Medicare supplement policies; minimum standards; requirements.
40-4-35a Medicare supplement policies; medicare catastrophic coverage repeal act of 1989; transitional requirements.
40-4-36 Accident and sickness insurance; conversion policies; reasonable notice of right to convert.
40-4-37 Long-term care insurance; application; definitions.
40-4-37a Long-term care insurance; renewal provisions; requirements.
40-4-37b Long-term care insurance; marketing practices; prohibitions; limitations.
40-4-37c Long-term care insurance; termination; recurrent confinements; continuation of benefits.
40-4-37d Long-term care insurance; benefits; medical condition; activities of daily living; definitions; requirements.
40-4-37e Long-term care insurance; prohibited policy provisions.
40-4-37f Long-term care insurance; notices; limited policy; right to return requirements.
40-4 37g Long-term care insurance; benefit standards; definitions; explanations.
40-4-37h Long-term care insurance; preexisting conditions; requirements; prohibitions.
40-4-37i Long-term care insurance; replacement; notice; waiver of waiting periods.
40-4-37j Long-term care insurance; outline of coverage; content; format.
40-4-37k Long-term care insurance; minimum loss ratios.
40-4-37l Long-term care insurance; applications.
40-4-37m Long-term care insurance; rescissions; annual report required.
40-4-37n Long-term care insurance; home health or community care services.
40-4-37o Long-term care insurance; inflation protection; increased benefits; offer required.
40-4-37p Long-term care insurance; advertisements; marketing.
40-4-37q Initial filing requirements.
40-4-37r Long-term care insurance; non-duplication provisions.
40-4-37s Long-term care insurance; required disclosure of rating practices to consumers.
40-4-37t Premium rate schedule increases.
40-4-37u Contingent-benefit-upon-lapse requirement.
40-4-37v Long-term care; agent training.
40-4-38 Accident and health insurance policies; limited benefits; notice required.
40-4-39 Accident and sickness insurance; specified disease policies; replacement; credit for waiting periods and other time sensitive limitations.
40-4-40 Accident and sickness insurance; claim forms; acceptance required.
40-4-41 Utilization review organizations; standards.
40-4-42 Definitions; external review.
40-4-42a Notice requirements of adverse decisions.
40-4-42b Preliminary determination by commissioner.
40-4-42c Standard external review procedures.
40-4-42d Expedited external review.
40-4-42e Minimum qualifications for external review organizations.
40-4-42f External review reporting requirements.
40-4-42g Exhaustion of internal review process.
40-4-43 Hospital, medical, and surgical expense insurance policies and certificates; prohibiting certain types of discrimination.

Article 5. Credit Insurance

40-5-6 Credit insurance; property and liability; insurance sold in connection with the uniform consumer credit code; types.
40-5-8 Same; vendors single interest.
40-5-9 Credit insurance; fire, casualty and allied lines; mortgagors and mortgagees; conditional sales vendors; and vendors; requirements.
40-5-10 Credit insurance; fire and extended coverage; issuance for single indivisible premium; requirements.
40-5-12 Consumer credit insurance; termination of coverage; prohibited contractual provisions.
40-5-102 Consumer credit insurance; definitions.
40-5-103 Same; rights and treatment of consumers.
40-5-104 Same; coverage without separate charge.
40-5-105 Same; filing requirements.
40-5-107 Same; credit insurance rates and forms.
40-5-108 Same; refunds.
40-5-109 Same; experience reports.
40-5-110 Same; supervision of credit insurance operations.

Article 7. Agents

40-7-5 Agents; signatures; powers of attorney; rubber stamped facsimiles; mechanical devices.
40-7-7 Agents; procedure for obtaining company certification.
40-7-9 Agents; change in the information contained on the most recent application for a license.
40-7-11 Agents; cancellation of licenses or certification; procedure.
40-7-13 Agents; scope, subclassification; type and conduct of examinations; reexamination.
40-7-19 Agents; individual records; fees.
40-7-20a Agents; brokers; continuing education; approval of courses; requirements.
40-7-21 Agents; examination fee; amount.
40-7-22 Agents; appointment by company; classes of business.
40-7-23 Agents; license; identification.
40-7-24 Agencies; agents; employees.
40-7-25 Agencies; termination of contract; certification.
40-7-26 Public adjuster; examinations.
40-7-27 Public adjuster; reporting requirements.

Article 8. Excess Coverage

40-8-2 Excess line insurance; refusal of admitted carriers; rate differentials; artificial divisions of coverage; portions of risk unacceptable.
40-8-7 Excess lines insurance; agents; submission of affidavit required.
40-8-8 Excess line insurance contracts; signature of agent; required endorsement.
40-8-10 Agents; placing risks with employer prohibited.
40-8-11 Excess line agents; records required.

Article 9. Advertising

40-9-1 Insurance companies; advertising; assets and liabilities; capital; advertisement defined.
40-9-23 Insurance companies; advertising; senior-specific certifications and professional designations.
40-9-100 Accident and sickness insurance; advertising.
40-9-118 Life insurance and annuities; advertising.
40-9-126 Advertising of Medicare supplement insurance.

Article 10. Firefighter's Relief

40-10-1 Firefighter's relief fund tax; fire marshal tax; companies subject to; amount of premium taxed.
40-10-2 Firefighter's relief association; requirements for participation; procedure.
40-10-5 Firefighter's relief associations; purchase of insurance; on duty coverage.
40-10-6 Firefighter's relief associations; purchase of insurance; 24 hour coverage.
40-10-10 Firefighter's relief associations; permissible disbursements.
40-10-14 Same; purchase of bonds; requirements.
40-10-15 Firefighter's relief act; application of statutory formula.
40-10-16 Firefighter's relief act; fund allocation.

Article 11. Proxies, Consents, Authorizations

Article 12. Sale of Stock

40-12-4 Stock insurance companies; sale of stock; permits; amount paid-in; requirements.
40-12-6 Stock insurance companies; sale of stock; permits; holding companies.
40-12-7 Stock insurance companies; sale of stock; permits; organizers and promoters; requirements.
40-12-8 Stock insurance companies; sale of stock; permits; organizers and promoters; holding companies; requirements.
40-12-9 Impounding of stock sale proceeds; when requires; impound agent; certificates of no lien.
40-12-10 Promotional stock.
40-12-11 Sales to promoters.
40-12-12 Options to promoters, officers or employees.
40-12-13 Officers, directors, and employee stock purchase plans.
40-12-14 Purchasing of shares through options.
40-12-15 Pro rata exercising of options.
40-12-16 Agent's production stock option plans.
40-12-17 Limitation of options.
40-12-18 Options to attorney-at-law, actuaries, and underwriters.
40-12-19 Directors' resolution as to fairness of price; commissioner's approval.

Article 13. Insider Stock Trading

40-13-1 Definition of certain terms.
40-13-3 Reporting of securities.
40-13-5 Ownership of more than 10 percent of an equity security.
40-13-6 Disclaimer of beneficial ownership.
40-13-7 Exemptions from K.S.A. 40-264 and 40-265.
40-13-9 Certain transactions subject to K.S.A. 40-264 of the code.
40-13-10 Ownership of securities held in trust.
40-13-11 Exemption for small transactions.
40-13-12 Exemption from K.S.A. 40-265 of transactions which will not be reported under K.S.A. 40-264.
40-13-13 Exemption from K.S.A. 40-256 of certain transactions effected in connection with a distribution.
40-13-15 Exemption from K.S.A. 40-265 of certain transactions in which securities are received by redeeming other securities.
40-13-16 Exemption of long-term profits incident to sales within six months of the exercise of an option.
40-13-17 Exemption from K.S.A. 40-265 of certain acquisitions and dispositions of securities pursuant to merger or consolidations.
40-13-20 Certain securities transactions not violative of K.S.A. 40-266.
40-13-23 Arbitrage transactions under K.S.A. 40-268.
40-13-24 Exemption from K.S.A. 40-265 of certain transactions; conversion of equity securities.
40-13-26 Exemption from K.S.A. 40-265 of certain transactions involving the sale of subscription rights.

Article 14. Insurance Premium Finance Companies

40-14-1 Insurance premium finance companies; changes in officers; management.
40-14-3 Insurance premium finance companies; annual reports.
40-14-4 Same; printing of forms.
40-14-5 Same; duplicate to borrower.
40-14-6 Same; notice of assignment; payments.
40-14-7 Same; service charges.
40-14-9 Same; disclosure of annual percentage rate.
40-14-10 Same; rates; filing.

Article 15. Variable Annuities or Separate Accounts

Article 15. Variable Annuitites or Separate Accounts

40-15-1 Variable annuity or separate accounts; definition.
40-15-2 Same; qualification of insurance companies.
40-15-3 Same; conditions.
40-15-4 Same; filing of contracts.
40-15-5 Same; variable benefits requirements.
40-15-6 Same; required reports.
40-15-7 Same; agents; qualification.
40-15-8 Variable annuity or separate accounts; agents; procedure for obtaining licenses.

Article 15a. Variable Life Insurance

Article 15b. Universal Life Insurance

Article 16. Professional Employer Organizations

Agency 40. Department of Insurance