Insurance Circular Letters

WITHDRAWN

Bonuses, prizes, rewards, etc. based upon the volume of new or renewed business (See also CL (8/1/45) on this listing).

All Authorized Life Insurance Companies

Remittances to, or payments on account of home offices requiring Department approval.

WITHDRAWN

Maximum amount or percent of premiums to be contributed by employees under group life policies.

WITHDRAWN

Rulings on first year expense limits - revision of Schedule Q.

WITHDRAWN

Earliest possible advance announcement of reduction in dividends to policyholders required.

WITHDRAWN

Earliest permissible advance announcement of dividends to policyholders.

WITHDRAWN

Contingency reserve for group life insurance permitted.

To All Authorized Life Companies

Incontestable and suicide clauses in converted life or endowment policies arising from exchange of term insurance.

WITHDRAWN

To All Authorized Non-Profit Medical Indemnity or Hospital Service Corporations

Rules for submission of forms.

WITHDRAWN

All Authorized Group Writing Companies

Crediting of savings on U.S. Gov't contractors group life and accident and health policies written without commissions (Includes letter of 3/8/43 from Metropolitan Life and reply of 3/20/43).

WITHDRAWN

All Companies Writing Group Hospitalization Expense And Surgical Operation Insurance

Reserves for deferred maternity benefits under group hospitalization and surgical policies.

WITHDRAWN

All Companies Issuing Individual Hospitalization Contracts

Reserves for deferred maternity benefits under individual hospitalization contracts (See also CL (11/6/58) on this listing).

WITHDRAWN

All Authorized Life Insurance Companies

Bonuses, prizes, rewards, etc. based upon the volume of new business (See also CL (5/9/24) and CL 24 (1979), both on this listing).

All Authorized Life Insurance Companies

"Salary Savings" or payroll deduction method of monthly premium payment.

All Authorized Insurers Writing Group Or Blanket Accident And Health Insurance In The State Of New York

Group and blanket accident and health premium rates higher in New York on voluntary insurance than in states with compulsory disability benefit laws, justification necessary for some cases.

All Authorized Insurers Writing Group O[Illegible Words] Blanket Accident And Health Insurance In The State Of New York

Group and blanket accident and health premium rates higher in New York on voluntary insurance than in states with compulsory disability benefit laws, justification necessary for some cases.

WITHDRAWN

All Insurers Authorized To Write Group Insurance

Eligibility of corporation directors of group life and accident and health insurance.

All Authorized Insurers Writing Group Life Insurance In The State Of New York

Unfair to condition extended death benefit in group life contracts upon policy being in force.

All Authorized Insurers Writing Group Life Insurance In The State Of New York

Unfair to condition waiver of premiums in extended death benefit provisions of group life contracts upon policy being in force.

WITHDRAWN

All Authorized Fraternal Benefit Societies

Limitations of benefits in event of death in first two policy years unfair.

WITHDRAWN

All Authorized Fraternal Benefit Societies

Requirements for permissive consolidation of funds under Section 4515.

To All Authorized Insurers Writing Group Insurance

Retention agreements or statements in sale of group life and accident and health contracts. (A & H portion was superseded by Reg. 62; life portion still effective).

WITHDRAWN

All Insurance Companies Licensed To Write Benefits Under The Disability Benefits Law (Chapter 600, Laws Of 1949)

Filing of advisory policy forms under the Disability Benefits Law. (See (also CL (6/4/52) on this listing).

WITHDRAWN

All Authorized Companies Licensed To Write Benefits Under The Disability Benefits Law (Chapter 600, Laws Of 1949)

Disability Benefits Law - Advisory Policy Forms A, B, H. (See also CL (6/4/52) on this listing).

WITHDRAWN

All Insurance Companies Licensed To Write Benefits Under The Disability Benefits Law (Chapter 600, Laws Of 1949)

Disability Benefits Law - Advisory Policy Forms A,B,H,E,G (See also CL (6/4/52) on this listing).

WITHDRAWN

Disability Benefits Law - Advisory Policy Form I. (See also (CL 6/4/52) on this listing).

WITHDRAWN

All Insurance Companies Licensed To Write Benefits Under The Disability Benefits Law (Chapter 600, Laws Of 1949)

Disability Benefits Law - Advisory Policy Form J. (See also (CL 6/4/52) on this listing).

WITHDRAWN

All Insurers Licensed In New York To Transact Fire And Other Kinds Of Insurance On Property

Rate filing requirements suspended for catastrophe coverage on losses in excess of minimum retention by insured of $100,000.

WITHDRAWN

All Insurance Companies Licensed To Write Benefits Under Disability Benefits Law, Chapter 600, Laws Of 1949

Disability Benefits Law - Advisory Policy Forms (See also CLs in 1950 on this listing).

WITHDRAWN

All Fraternal Benefit Societies

Reserves to cover non-deduction of deferred fractional premiums at death of insured.

All Authorized Insurers Writing Group Life And Group Accident And Health Insurance

Reimbursements of expenses or payments for services to policyholders or third parties on group life and accident and health insurance.

All Authorized Life Insurers

Personal accident and health insurance issued only in conjunction with life insurance policy a prohibited inducement.

All Authorized Life Insurance Companies

Group life insurance-conversion privilege of retired employees.

All Authorized Life Insurance Companies

Expenses of agents' wives and guests at conferences or conventions.

All Domestic Life Insurance Companies

Expenses of officers' wives on business trips, conventions and agency meetings.

WITHDRAWN

Investment in mortgages insured under Canadian National Housing Act of 1954.

All Authorized Life Insurance Companies

Premium rate variation by amount of insurance.

WITHDRAWN

All Authorized Life Insurance Companies

Reporting first year industrial and group compensation as renewal compensation in accordance with Regulation 33.

WITHDRAWN

All Authorized Insurers

Split dollar plans of life insurance on insurer's employees considered admitted asset.

All Licensed Excess Line Brokers

Excess Line Broker Service Fees.

WITHDRAWN

All Authorized Insurers Writing Group Life And Group Accident And Health Insurance

Installment payment of premiums for first policy year on group life and group accident and health policies. (See also and (12/18/57) on this listing).

All Insurers Authorized To Write Liability Insurance

Premium refunds upon cancellation of “Owner's Policy of Liab. Ins.” Under Motor Vehicle Financial Security Act.

WITHDRAWN

All Authorized Insurers Writing Group Life And Group Accident And Health Insurance

Installment payment of premiums for first policy year on group life and group accident and health policies (See also CL (3/12/57) & (3/3/60) both on this listing).

All Authorized Insurers Writing Group Life, Group Annuities and Group Accident and Health Insurance

Group life, annuities and accident and health Code of Ethical Practices with respect to insuring benefits of union or union management welfare and pension funds.

WITHDRAWN

All Authorized Casualty, Surety, Fire And Marine Insurers

"Fronting" or "filing" in this state for an unauthorized insurer. (See CL 26 (1982) on the Current listing).

WITHDRAWN

"Fronting" or "filing" in other states in violation of their laws. (See CL 26 (1982) on the Current listing).

All Insurers Authorized To Transact Life Insurance And Accident And Health Insurance In This State

Commissions.

All Authorized Life Insurance Companies

Terminal dividends. (See also CL 9 (1970) on this listing).

All Foreign And Alien Insurers Authorized To Transact Business In The State Of New York

Investments - interpretation of Section 90. (Section 1413 of Insurance Law 1984).

WITHDRAWN

All Authorized Non-Profit Hospital Service And Medical Expense Indemnity Corporations

Reserve for deferred maternity benefits. (See also CL (12/21/43) & CL (1/6/44) both on this listing).

All Insurers Authorized To Transact Fire, Marine And Casualty Insurance Business In This State And Rating Organizations

Fictitious group plans.

WITHDRAWN

All Insurers Authorized To Do Business In The State Of New York

Investment in loans or mortgages of limited profit housing companies.

All Authorized Life Insurance Companies: And Fraternal Benefit Societies

Incontestable and suicide clauses on insurance purchased under guaran- teed insurability options.

All Mutual And Participating Stock Casualty Insurers Authorized To Do Business In New York

Safety group dividend classifications in workmen's compensation and other lines.

WITHDRAWN

Excess Line Brokers

Lines not authorized for excess line coverage.

WITHDRAWN

All Authorized Insurers Writing Group Life And Accident And Health Insurance

Installment payment of premiums for first policy year on group life and group accident and health policies. (See also CL (12/18/57) on this listing).

WITHDRAWN

All Insurance Companies Authorized to Transact Business in New York State

Publication of statements of financial condition to conform to statement last filed.

WITHDRAWN

All Property Insurers Authorized To Transact Business In The State Of New York

Premium finance plans.

WITHDRAWN

All Authorized Insurers Writing Group Life, Annuities And Accident And Health Business

Cost plus - no claim reserve-stop loss types of group contracts.

WITHDRAWN

All Authorized Title Insurance Companies

Procedural deficiencies of abstract companies.

WITHDRAWN

All Authorized Group Life Writing Companies

Group life premiums involving 10 but less than 25 lives.

WITHDRAWN

All Insurers Authorized To Do Business In The State Of New York

Corporate real estate obligations.

All Authorized Life Insurers

Rules and conditions for use of investment year method of distributing net investment income (Regulation 33, Part II E(2)).

Life Insurance Association of America, 488 Madison Avenue, New York, N. Y.

Attention: Eldon Wallingford, Esq., Associate General Counsel  

Incontestable and suicide clauses on guaranteed insurability option riders and endorsements (Letter to Life Insurance Assn. of America attachment to CL 4-9/20/63). (A & H portion superseded by Regulation 62).

The President Of Each Life Insurance Company Authorized To Do Business In The State Of New York

Compliance with Section 4224 (a-c,e) in respect to "liberalization" of policy terms.

All Authorized Life Insurers

Statutory requirements precluding individual selection and for determination of classes in issuance of group life insurance.

WITHDRAWN

Premium financing requirements applicable to financing by agents and brokers.

WITHDRAWN

All Authorized Casualty, Surety, Fire And Inland Marine Insurers

Deviations from rating organization Section 2339(c) rates, rules and forms (Old Law under Section 185(4)).

WITHDRAWN

All Licensed Insurance Companies

Prohibition of discrimination in writing and rating of insurance policies under Sec. 2606 of Ins. Law and in other activities under Sec. 296(5) of Executive Law and other statutes.

Insurers Licensed To Write Life Or Accident And Health Insurance In New York State

Guidelines for examination of individual group life and accident health forms under Sec. 3201. (A & H portion superseded by Regulation 62) Life portion still effective.

WITHDRAWN

All Title Insurance Corporations; New York Board of Title Underwriters; New York State Title Association

Revised "Title Insurance Operations Exhibit" and "Supplement". Designation of statistical agent.

Insurers Licensed To Write Life Or Accident And Health Insurance In New York State

Requirements for submission of forms, rates and commissions pertaining to life, accident, health and annuity contracts. (A & H superseded by Reg. 62) Life portion still effective.

WITHDRAWN

The Chief Executive Officer Of Each Domestic Insurer

Guidelines for examination of accounts and records compiled by electronic data processing systems.

All Authorized Insurers Writing Life Or Accident And Health Insurance In New York State

Providing group and blanket accident and health and group life and annuities coverage prior to filing or approval of policy forms (A & H superseded by Reg 62) Life portion still effective.

WITHDRAWN

All Fire And Casualty Insurers Authorized In New York State

Prompt confirmation of coverage in auto lliability claims.

WITHDRAWN

All Licensed Rating Organizations And Insurers Making Automobile Insurance Rate Filings

Automobile insurance rate filings under Insurance Law Article VIII, interrogatory blank.

All Authorized Title Insurance Companies

Impropriety of unauthorized investment or deposit at interest of agency and escrow cash.

All Authorized Insurers

Ban on inquiries as to race, color, creed or national origin in insurance industry reports and forms to effectuate Sec. 2606.

WITHDRAWN

All Fire And Casualty Companies

Computing tax liability and definition of "insurance on alien risks" for premium tax purposes.

All Insurers Authorized To Transact Life Insurance In This State

Life insurance premium finance plans offered to beginning physicians, dentists, osteopaths, and veterinarians in violation of Sec. 4224(a)-(c), (e) against “inducement” or as unfair discrimination.

WITHDRAWN

Insurers Licensed To Write Life Insurance In New York State

Taxation of life insurance dividends accumulated or left on deposit and later applied.

All Domestic Stock Insurers

Filing of insider trading reports (Forms ISS & CSS) of ownership and change of ownership of stock by principal stockholders, officers, and directors of domestic stock insurers under Sec. 1221.

All Domestic Insurers

Use by insurer of building requiring approval as acquisition under Sec. 1404(a)(7) (A) & (B).

WITHDRAWN

Insurers Licensed To Write Life Or Accident And Health Insurance In New York State

Standards in writing wholesale insurance and franchise accident and health insurance. (A&H superseded by Reg.62).

WITHDRAWN

Insurers Licensed To Write Life Or Accident And Health Insurance In New York State

Standards in writing wholesale life insurance and franchise accident and health insurance. (A&H superseded by Reg.62).

WITHDRAWN

All Domestic Insurers

Real property capital expenditures under Sec.1404(a)(7) requiring approval.

All Domestic Insurers

Information in appraisals of residential and income properties.

WITHDRAWN

All Authorized Insurance Companies Writing Guaranteed Renewable Accident And Health Policies

Adoption of 1964 Commissioners Disability Table in guaranteed 15% of reserves on outstanding claims.

WITHDRAWN

All Companies Reporting To The Stock Public Motor Vehicle Liability Security Fund

Stock Public Motor Vehicle Liability Security Fund at statutory maximum of 15% of reserves on outstanding claims.

All Authorized Insurers

Certificates of deposit treatment in financial statements.

WITHDRAWN

All Authorized Life Insurance Companies

Application of Sec. 213 (Section 4228 in Insurance Law of 1984) to policy form with artificially high first year premium.

WITHDRAWN

All Article IX-C Non-profit Medical and Dental Indemnity and Hospital Service Corporations and all Authorized Accident and Health Insurers

Coverage of mentally physically handicapped children under medical and "family contract" and group contracts.

WITHDRAWN

All Authorized Insurers Writing Automobile Insurance In The State Of New York

Surcharges under safe driver plans based on damages in excess of $100.

WITHDRAWN

All Article IX-C Non-profit Medical and Dental Indemnity and Hospital Service Corporations and All Authorized Accident and Health Insurers

Approval of contracts with Secretary of Health, Education & Welfare to Administer Medicare program.

WITHDRAWN

All Corporations Doing Business Under Article Ix-C Of The N.Y. Insurance Law

Guidelines to adapt forms to Medicare.

All Authorized Life Insurers Writing Monthly Debit Life Insurance

Marketing of monthly premium debit life insurance.

WITHDRAWN

All Excess Line Brokers

Excess Line Broker Premium Tax Statements.

WITHDRAWN

All Authorized Insurance Companies Authorized To Write Boiler And Machinery Insurance In New York State

Rates, rules & forms for single interest coverage of direct damage and indirect damage not approved.

All Domestic Life Insurance Companies

Payments for life insurance on dependents of home office employees.

WITHDRAWN

All Property Insurers Licensed In New York And To Schools And Colleges Conducting Approved Courses For Prospective Insurance Agents And Brokers

Rules on status of applicants under 21 years of age who filed prior to change affecting Sec. 2103.

WITHDRAWN

Insurers Licensed To Write Life Or Accident And Health Insurance In New York State

Revised standards in writing wholesale life and franchise accident and health insurance. (A&H superseded by Reg. 62).

WITHDRAWN

All Insurers Licensed To Write Property Or Casualty Insurance In The State Of New York And To All Rating Organizations

Criteria for considering centrally organized churches and local churches as single units for rating purposes.

WITHDRAWN

All Authorized Life Insurance Companies

Commissions on individual renewable & convertible term policies under Sec. 4228.

WITHDRAWN

All Excess Line Brokers

Excess Line Broker Premium Tax Statements.

All Fire & Casualty Insurance Companies

Taxability of premium payment service charges.

WITHDRAWN

All Companies Authorized to Write Credit Life or Credit Accident and Health Insurance in New York State

Unjustified differentials in interest rates considered premium for credit insurance subject to limits prescribed by Reg. 27-A.

WITHDRAWN

All Insurers Writing Group Accident And Health Insurance

Accident and health Contingent Commissions.

All Authorized Title Insurance Corporations

Insurers requested to adopt procedures to guard against losses from diversion of closing funds and priority of mechanics’ and materialmen's liens.

WITHDRAWN

The Chief Executive Officer Of Each Domestic Life Insurer

Sale representations of protection afforded by Life Insurance Guaranty Corp. banned.

All Insurance Companies Authorized To Do Business In New York

Apportionment of premiums for taxation based on property or risks located or resident in this State.

WITHDRAWN

All Licensed Insurers

Prepayment of certification, licensing and filing fees required as of Sept. 1, 1968.

WITHDRAWN

All Authorized Life Insurance Companies

Data & materials used in sale of life insurance and mutual funds to be submitted for review.

All Authorized Fraternal Benefit Societies

Rules in submitting amendments of charters, constitutions and by-laws under Sec. 4501.

WITHDRAWN

All Excess Line Brokers

Change in tax rates made by Chapter 247, Laws of 1968.

All Authorized Life Insurance Companies

Agents licenses required in sale of individual variable annuities beginning Nov. 1, 1968.

WITHDRAWN

All Companies Paying Contributions To The Motor Vehicle Liability Security Funds

Claims reserves on accidents in New York State involving out-of-state insureds to be included in computing ceiling for Motor Vehicle Liability Security Funds.

WITHDRAWN

All Authorized Life Insurance Companies

Agents' licenses to sell individual variable annuities not required until May 1, 1969 in sale of individual tax-deferred contracts providing variable retirement benefits.

All Domestic Stock Life Insurance Companies

Requirement for annual reports to stockholders and proxies.

WITHDRAWN

Insurers Licensed To Write Life Or Accident And Health Insurance In New York State

Guidelines for Life Insurance Policies.

Insurers Licensed To Write Life Or Accident And Health Insurance In New York State

Rules on conditional receipts added to "Guidelines for Examination of Individual Life Policies and Related Forms" and "Guidelines For Examination of Individual Accident and Health Forms". (A & H portion superseded by Reg. 62; Life portion still effective)

Insurers Licensed To Write Life Or Accident And Health Insurance In New York State

Conditions specified wherein wholesale life insurance may supplement group life insurance in "Wholesale Life Insurance Standards". (See also CL 14 (1970) on this listing).

WITHDRAWN

All Hospital Service Corporations Operating Under Article Ix-C Of The Insurance Law

Procedures for approval of hospital payments after January 1, 1970, pursuant to Sec. 4307(b).

WITHDRAWN

All Insurers Authorized To Transact Fire, Marine And Casualty Insurance Business In This State And Rating Organizations

Procedures for furnishing rating information under Article VII-A.

WITHDRAWN

All Authorized Insurers Writing Automobile Insurance In The State Of New York

Surcharges barred on private passenger automobile insurance premiums for police or firemen involved in accidents in course of duty.

All Licensed Excess Line Brokers

Annual report to N.Y. Board of Fire Underwriters on premiums received from non-admitted insurers for fire and/or extended coverage insurance on N.Y. City property.

WITHDRAWN

All Authorized Life Insurance Companies Writing Debit Life Insurance

Irrevocable beneficial interest of agent on collection and/or service fees in violation of Sections 213-a and 214.

WITHDRAWN

All Licensed Excess Line Brokers

Excess Line Broker Automobile Placement.

WITHDRAWN

All Domestic Insurance Companies

Controlled insurers must notify Supt to secure his approval of arrangements or contracts with other members of holding company system (Article 15).

All Authorized Life Insurance Companies

Terminal dividends.

All Insurers Authorized To Transact Life Insurance In This State

Unfair inducements prohibited in financing payments of life insurance premiums and mutual funds shares. (See also CL 8 (1964) on this listing).

WITHDRAWN

All Domestic Insurers And United States Branches Of Alien Insurers

Evidences of title to real estate.

All Insurers Licensed To Write Life Or Accident And Health Insurance In New York State

Amends Wholesale Life Insurance Standards (See also CL 4 (1969) on this listing).

WITHDRAWN

All Authorized Life Insurance Companies

Expense limit factors under deferred variable annuities & flexible fixed dollar annuities.

WITHDRAWN

All Authorized Insurers Writing Group Accident And Health Business

Release of claim reserves to policyholders barred in exchange for deposit of securities.