Selected Opinions of The Office of General Counsel For The Year of 2004

The selected opinions are listed in the table below in Opinion Number order.
There are three columns. The column headings are Opinion Number, Subject and Date Issued.
The Opinion Number represents the year, the month, and then the order posted. For example, in 06-04-15 the "06" represents 2006, the "04" represents April, and the "15" refers to the 15th opinion for April 2006. Opinions within a particular month are not necessarily in chronological order.
Each opinion title under Subject is a link to the actual opinion.
Date Issued is displayed in mm/dd/yyyy format.
You can "jump" to a particular month using the month navigation link set after (below) this sentence.

Opinion Number	Subject	Date Issued
04-01-01	No-Fault Benefits Reimbursement for Acupuncture Services	01/05/2004
04-01-02	Insurance sales in New Jersey	01/05/2004
04-01-03	Interpretation of the Term "personal property insurance" in Section 216.6(h) of Regulation 64	01/06/2004
04-01-04	National Insurance Crime Bureau	01/06/2004
04-01-05	Insurance as a Membership Benefit	01/06/2004
04-01-06	Premium Finance Agreements Payment to a Licensed Agent	01/06/2004
04-01-07	Accident & Health Insurance, Premium Rates	01/07/2004
04-01-08	Dog Bite Exclusion in a Homeowners Policy	01/07/2004
04-01-09	Insurers Deposit of a Settlement Payment into a Checking Account	01/07/2004
04-01-10	Self-Funded Health Benefit Plans, Regulation of Stop-Loss Insurance	01/07/2004
04-01-11	Group Health Insurance and Out of State Employer Groups	01/08/2004
04-01-12	Insurance Coverage of Domestic Partners	01/08/2004
04-01-13	Terrorism Exclusions in Inland Marine Insurance Policies	01/09/2004
04-01-14	Uninsured Motorist Coverage - Out-of-State Vehicle	01/13/2004
04-01-15	Letters of Credit / Regulation 133	01/13/2004
04-01-16	Trading with the Enemy Act and International Emergency Economic Powers Act	01/15/2004
04-01-17	Service of Process on an Unauthorized Alien Insurer Under N.Y. Insurance Law 1213 - Marine Insurance	01/16/2004
04-01-18	Holding Company Act Requirements Regarding Reinsurance Between Affiliates	01/21/2004
04-01-19	Replacement of Long Term Care Insurance, Agents Compensation	01/21/2004
04-01-20	Policy Issued to an Insurer and its Agents and the Representatives of its Affiliate, a Securities Broker/Dealer	01/21/2004
04-01-21	Investments by Hospital Medical Malpractice Self-Insurance Fund	01/29/2004
04-01-22	Sale of Insurance to Non-residents and Residents of New York	01/29/2004

04-02-01	Use of Missouri Low Income Housing Tax Credits and the New York Retaliatory Tax	02/03/2004
04-02-02	Excess Line Placements and the Property/Casualty Insurance Security Fund (PCISF) Payment Limits	02/05/2004
04-02-03	Independent Adjuster License	02/05/2004
04-02-04	Key Man Insurance - N.Y. Ins. Law 3205(a)(1)(B)	02/09/2004
04-02-05	Signatures on Unfair Claims Letters	02/10/2004
04-02-06	Sale of Insurance to Association Members and Rebating N.Y. Ins. Law 4224	02/12/2004
04-02-07	Charitable Gift Annuities, Acceptable Consideration	02/13/2004
04-02-08	HMO is Subject to Article Four of the New York Insurance Laws	02/13/2004
04-02-09	Audit Fees	02/17/2004
04-02-10	Licensing Requirements for Provision of Web Site Database to Claims Adjusters	02/17/2004
04-02-11	Commercial Liability Insurance Policy Endorsements	02/18/2004
04-02-12	Written notice to the No-Fault insurer in the event of an accident applicable to the Regulation 68-A mandatory personal injury protection endorsement	02/18/2004
04-02-13	The Completion of Service on Beneficiary & Regulation 133	02/18/2004
04-02-14	Health Care Provider Network Arrangements with Self-Funded Entities	02/18/2004
04-02-15	Application of N.Y. Ins. Law 3425(j) to all Insurance Agents and Brokers	02/18/2004
04-02-16	Issuance of Surety Bonds Licensing Requirement	02/19/2004
04-02-17	Record Retention of Insurance Applications	02/19/2004
04-02-18	Calculation of Total Loss Payment and Regulation 64	02/19/2004
04-02-19	Issuance of Unsecured Debt by a Holding Company - Approval Requirement	02/19/2004
04-02-20	Commercial Umbrella Insurance Policy	02/19/2004
04-02-21	Payment of Fees to Public Adjusters	02/20/2004
04-02-22	Automobile Tire and Wheel Road Hazard and Other Aftermarket Programs	02/20/2004
04-02-23	Short-Rate Penalty	02/20/2004
04-02-24	Disclosure of Expert Witness In No-Fault Arbitration	02/24/2004
04-02-25	Waiver of Co-Payments	02/24/2004
04-02-26	Multiple Employer Welfare Arrangements (MEWA), Insurance Department Requirements	02/25/2004
04-02-27	Certificates of Insurance	02/27/2004
04-02-28	Jewelers Block Insurance and Section 3426	02/27/2004
04-02-29	Long Term Care Insurance, Discrimination Because of Breast Cancer	02/27/2004
04-02-30	Utilization Review, Clinical Peer Reviewer	02/27/2004
04-02-31	Annual Restoration to Lifetime Maximum	02/27/2004

04-03-01	Endorsements for Commercial Liability Insurance Policies	03/02/2004
04-03-02	Insurance Agents and Brokers Donating Profits to Charities	03/03/2004
04-03-03	Termination of Producer-Insurer contract Non-renewal of automobile insurance	03/03/2004
04-03-04	Dental Indemnity Corporation, Termination of Dentist	03/04/2004
04-03-05	Small Employer Health Insurance	03/04/2004
04-03-06	Workers Compensation and General Liability Insurance, Rate Calculation	03/04/2004
04-03-07	Proposal By A Charitable Not-For-Profit Organization To Confer A Benefit Of Up To $2,000 Accident And Health Coverage For Its Volunteers	03/09/2004
04-03-08	Submission of No-Fault Claims	03/10/2004
04-03-09	Premiums Collection Licensing Requirements	03/11/2004
04-03-10	Medical Specialty No-Fault IMEs	03/12/2004
04-03-11	Continuation of Coverage	03/12/2004
04-03-12	Insurance requirements for the holder of a special use permit for antennas on a telecommunications tower	03/12/2004
04-03-13	Self- Service Storage Facilities	03/12/2004
04-03-14	Insurance Agency Letterhead and Envelope Requirements	03/12/2004
04-03-15	Insurance Agents/Commissions; Insurance Law Article 21	03/16/2004
04-03-16	Usual Customary & Reasonable, Prescription Drugs	03/16/2004
04-03-17	Life Settlements	03/17/2004
04-03-18	Life Insurance Contract & Misrepresentation by Agent	03/22/2004
04-03-19	Procuring Life Insurance on Childs Father Without his Written Consent	03/23/2004
04-03-20	Employer Sponsored Group Health Insurance, Waiver of Coverage	03/23/2004
04-03-21	Health Maintenance Organization, Coverage of Dependent	03/25/2004
04-03-22	Electronic Insurance Notices to Lenders	03/25/2004
04-03-23	Record Retention	03/25/2004
04-03-24	Electronic Policy Issuance and Insured Records Management On-line	03/29/2004
04-03-25	Offering Free Administrative Services	03/29/2004
04-03-26	Permissibility of Providing Radiological Services to Members of Entities such as Unions, Health and Welfare Funds and Insurers	03/30/2004
04-03-27	Unlicensed Foreign Broker & Insurance Sale Commissions	03/31/2004
04-03-28	Municipal Cooperative Health Benefit Plans	03/31/2004
04-03-29	Mold Exclusions in New York Umbrella and Excess Liability Free Trade Zone Policies	03/31/2004
04-03-30	Non-Renewal Notice	03/31/2004
04-03-31	Proposed Automobile Glass Replacement Program	03/31/2004
04-03-32	No-Fault Coverage - Out-of-State Vehicle	03/31/2004

04-04-01	Receipt of a Life Insurance Policy's Proceeds by a Beneficiary Above the Age of 14 years and Six Months, but Below the Age of 18 Years	04/01/2004
04-04-02	Community Rating and Insurance Department Circular Letter 16 (September 4, 2002)	04/01/2004
04-04-03	Definitions	04/02/2004
04-04-04	Insurance Consultants	04/02/2004
04-04-05	Same Sex Marriage, Civil Union and Domestic Partnerships See Opinion No. 04-05-25	04/02/2004
04-04-06	Homeowners" Insurance Policy/Changes in Valuation of Property	04/02/2004
04-04-07	Life or Long-Term Care Insurance Referral by Non-Licensee	04/09/2004
04-04-08	Third Party Administrator Licensing as an Independent Adjuster in the Context of ERISA Self-Funded Employee Welfare Benefit Plans	04/13/2004
04-04-09	Licensing Requirements	04/14/2004
04-04-10	Payment of Renewal Commissions	04/15/2004
04-04-11	Investigator	04/16/2004
04-04-12	Audit premium applicable to a covered policy as defined by N.Y. Ins. Law 3426	04/19/2004
04-04-13	Underlying Individual Policy & New York Statutory Excess Medical Malpractice Insurance Coverage	04/19/2004
04-04-14	Independent Adjuster Licensing	04/20/2004
04-04-15	Proposed Residual Value Policy	04/20/2004
04-04-16	Conviction	04/20/2004
04-04-17	Commissions Paid to Appointed Agents	04/20/2004
04-04-18	Wrap-up Policy Not Subject to Audit Adjustment	04/20/2004
04-04-19	Municipal Cooperative Health Benefit Plans, Withdrawal of Participant	04/21/2004
04-04-20	Outbound Calls & Referrals by Non-Licensees	04/22/2004
04-04-21	Cancellation of homeowners insurance policy based upon unoccupied premises	04/22/2004
04-04-22	Premiums for Performance Bonds	04/26/2004
04-04-23	No-Fault Lump-Sum Settlements for Medical Settlements	04/26/2004
04-04-24	Proposed Customer Storage Protection Plan and Insurance	04/27/2004
04-04-25	Proposed lease guaranty surety bond OPINION WITHDRAWN	04/27/2004
04-04-26	Charitable Gift Annuities	04/27/2004
04-04-27	Securitization of Viatical Settlements	04/27/2004
04-04-28	Supplementary Uninsured/Underinsured Motorist (SUM) Coverage	04/27/2004
04-04-29	Financial Risk Sharing/Capitation Arrangements: Adjuster/Insurer Licensing	04/28/2004
04-04-30	Cancellation of Excess Line Insurance Policies and Retention of Minimum Earned Premium	04/28/2004
04-04-31	Proposed Home Warranty and Maintenance Program	04/28/2004
04-04-32	Credit Property Insurance	04/29/2004

04-05-01	Insurance on Maintenance Agreements	05/04/2004
04/05/02	"Lease Bond" as Financial Guaranty Insurance OPINION WITHDRAWN	05/04/2004
04-05-03	Notification to Terminate Group Accident and Health Insurance Sent by Electronic Transmission	05/05/2004
04-05-04	Employer Sponsored Group Health Insurance, Waiver of Coverage	05/05/2004
04-05-05	Commission Sharing between Agents and Brokers	05/06/2004
04-05-06	Employer Sponsored Group Health Insurance, Waiver of Coverage	05/07/2004
04-05-07	Proposed Manufacturers Extended Warranty For a Non-Consumer Product	05/07/2004
04-05-08	Triggers for Compliance with Regulation 95	05/07/2004
04-05-09	Rate and Form Filing for Title Insurance Guarantees	05/10/2004
04-05-10	Minimum Earned Premium Imposed By Unauthorized Insurer	05/10/2004
04-05-11	Section 9110: Leased Vehicles/Payment of Motor Vehicle Enforcement Fee by Insurers	05/10/2004
04-05-12	The Product Warranty of a Tire Product	05/11/2004
04-05-13	1115(a) Use of a Letter of Credit in Place of Reinsurance	05/13/2004
04-05-14	No-Fault First Party Benefits, Coordination of Medical Care	05/13/2004
04-05-15	New York External Appeal Law	05/17/2004
04-05-16	Debt Cancellation Contract or Debt Suspension Agreement Insurance	05/18/2004
04-05-17	Anti-Theft and Vehicle Recovery System	05/18/2004
04-05-18	Unearned Premium on Life Insurance Policies	05/19/2004
04-05-19	Viatical Settlement Companies, Exception from Licensing Requirement	05/20/2004
04-05-20	Service Contracts or Warranties and Risk Retention Groups	05/24/2004
04-05-21	Internet Advertising	05/24/2004
04-05-22	Licensing Inquiry	05/25/2004
04-05-23	Date of Issuance of No-Fault Denial	05/25/2004
04-05-24	Accident & Health Insurance, Minimum Participation Rules	05/26/2004
04-05-25	Same Sex Marriage, Civil Union and Domestic Partnerships	05/19/2004

04-06-01	Group Annuity Contracts, Transfer of Assets	06/02/2004
04-06-02	Free Defensive Driving Course to Companys Employees	06/07/2004
04-06-03	Section 2610 - Certified Autobody Repair Shops	06/08/2004
04-06-04	Certificates of Insurance	06/08/2004
04-06-05	Protected Health Information, No-Fault Inter-Company Loss Transfer	06/08/2004
04-06-06	Licensing Requirements Upon Conversion from Corporation to Limited Liability Company	06/09/2004
04-06-07	Licensing Requirements for Independent Adjusters in New York	06/09/2004
04-06-08	Public Adjusters	06/09/2004
04-06-09	Advertising	06/10/2004
04-06-10	Automobile Glass Repair and Replacement Service	06/14/2004
04-06-11	No-Fault Fees for Durable Medical Equipment	06/16/2004
04-06-12	Funding Agreements	06/16/2004
04-06-13	The making of debt cancellation contracts and debt suspension agreements by financial institutions	06/17/2004
04-06-14	Premium payment installment plans for commercial policies subject to Section 3426	06/17/2004
04-06-15	Adjuster Licensing Between Affiliate Insurers	06/17/2004
04-06-16	Utilization Review, Pharmacist as Clinical Peer Reviewer	06/22/2004
04-06-17	Increased premium after audit	06/23/2004
04-06-18	Medicare Prescription Drug, Improvement and Modernization Act (MMA), Prompt Pay Law	06/24/2004
04-06-19	CAPCO - Interpretation of Qualified Business	06/24/2004
04-06-20	Request to Increase Liability Limit & Insurers Request for Medical Statement	06/24/2004
04-06-21	Preferred Provider Organizations	06/25/2004

04-07-01	Conditional Renewal Notice Based on Increased Premium On Commercial Risk Insurance Policy	07/01/2004
04-07-02	Delivery of Group or Blanket Accident and Health Certificates Via Electronic Transmission	07/06/2004
04-07-03	Third Party Administrator	07/07/2004
04-07-04	No-Fault Loss of Earnings of Per Diem Worker	07/08/2004
04-07-05	Service Contract Provider Registration for Automobile Dealers	07/13/2004
04-07-06	Municipality hiring an unauthorized insurer	07/13/2004
04-07-07	Regulation 60 & Replacement of an IRA	07/15/2004
04-07-08	Pharmacy Management, Insurance Law Licensing Requirements	07/16/2004
04-07-09	Accident & Health Insurance, New York Mandated Benefits	07/19/2004
04-07-10	Licensing Authority of United States Branches of Alien Insurers	07/21/2004
04-07-11	Independent Adjuster Licensing	07/21/2004
04-07-12	Insurance Broker Employed By Non-Licensee	07/23/2004
04-07-13	Roadside Assistance With Tire and Wheel Program	07/23/2004
04-07-14	Permitted Reserve Investments for Non-Life Insurers	07/23/2004
04-07-15	Broker Offer to Buy "Biggest Steak in Town" as an Inducement under N.Y. Ins. Law 4224	07/23/2004
04-07-16	Interpretation of Circular Letter 19 (2003) Notice of Cancellation, Non-Renewal, etc	07/26/2004
04-07-17	Workers Compensation & Application of N.Y. Ins. 3426	07/26/2004
04-07-18	Long Term Care Insurance, History of Breast Cancer	07/26/2004
04-07-19	Kidney Dialysis, Insurer Reimbursement	07/28/2004
04-07-20	Accident & Health Insurance, Waiting Periods	07/30/2004
04-07-21	Statute of Limitations/No-Fault Subrogation & Inter-company Loss Transfer Arbitration	07/30/2004
04-07-22	Credit For Reinsurance Ceded To Alien Assuming Insurer	07/30/2004
04-07-23	Compensation for Insurance Referrals	07/27/2004

04-08-01	Fraud Warning Statement	08/03/2004
04-08-02	Broker Fees	08/03/2004
04-08-03	Promotional Discounts N.Y. Ins. Law 2324	08/03/2004
04-08-04	No-Fault Claim Documents And Social Security Numbers	08/17/2004
04-08-05	Outsourcing of Business Operations by Authorized Insurers	08/17/2004
04-08-06	Referrals by Bank Tellers	08/17/2004
04-08-07	Life Insurance Policy with Trust as Beneficiary	08/17/2004
04-08-08	Employer Sponsored Group Insurance, Waiver of Coverage	08/18/2004
04-08-09	Nonresident Excess Line Broker License	08/18/2004
04-08-10	Acquisition of Insurance Agency by a Bank Holding Company	08/18/2004
04-08-11	Ownership of a property/casualty insurance agency	08/18/2004
04-08-12	Compensation to Unlicensed Employee of Insurance Broker for Referral	08/18/2004
04-08-13	Material Misrepresentation, Cancellation and Recission N.Y. Ins. Law 3425 and 3426 (McKinney Supp. 2004)	08/18/2004
04-08-14	Sale of Insurance to Residents of New York	08/18/2004
04-08-15	Electronic Signature	08/18/2004
04-08-16	No-Fault, Coordination of Benefits	08/18/2004
04-08-17	Brokers Assignment of Premium Finance Agreement and 2119 Agreement	08/18/2004
04-08-18	Non-Renewal Notice	08/19/2004
04-08-19	Tuition Refund Program	08/18/2004
04-08-20	Title Insurance Agency Licensing	08/20/2004
04-08-21	Discontinuation of a property/casualty insurance policy	08/23/2004
04-08-22	ABC Products, Inc. XYZ Warranty and ABC Roadside Programs	08/23/2004
04-08-23	Offering free administrative services in connection with the sale of health insurance	08/23/2004
04-08-24	Surety bond required by the New York City Department of Consumer Affairs	08/23/2004
04-08-25	Blanket Insurance Program, Unauthorized Insurer	08/23/2004
04-08-26	Certain Requirements for Multi-Year Service Fee Agreements	08/24/2004
04-08-27	Proposed Direct-Mail Campaign	08/24/2004
04-08-28	Pet Health Warranty Contract	08/24/2004
04-08-29	Independent Practice Association, Transfer of Risk	08/25/2004
04-08-30	Book of Business Ownership & Independent Insurance Agent	08/25/2004
04-08-31	Videotaping & Use of Props at No-Fault Examination Under Oath	08/25/2004
04-08-32	Chiropractic Treatment, Participating Provider, Payment by Health Maintenance Organization	08/26/2004
04-08-33	Non-Solicitation clause of a licensed life insurance agent's employment contract with another licensed life insurance agent	08/26/2004
04-08-34	Automobile Insurance Policy Named Insureds	08/27/2004
04-08-35	Property/Casualty Security Funds	08/27/2004
04-08-36	Usual Customary & Reasonable (UCR), Prescription Drugs	08/30/2004
04-08-37	Rebates	08/30/2004
04-08-38	Penalties for Appleton Rule Violations N.Y. Ins. Law 1106 (McKinney 2000)	08/31/2004

04-09-01	Lines of Authority	09/01/2004
04-09-02	Cancellation or Surcharge for License Revocation Resulting from DWI Chemical Test Refusal	09/02/2004
04-09-03	No-Fault Denials	09/02/2004
04-09-04	Certification of Insurers Acting as Sureties for Lien Discharge	09/09/2004
04-09-05	Anti-Arson Application	09/14/2004
04-09-06	Right to Invoke Appraisal	09/14/2004
04-09-07	ABC Physicians Organization, PLLC (ABC) and Health Insurance	09/15/2004
04-09-08	Producer Billed Policies Cancellation for Non-Payment	09/15/2004
04-09-09	Contractors General Liability, Exclusion of Injury to Employees	09/16/2004
04-09-10	Third Party Administrator Adjusting Claims	09/21/2004
04-09-11	Licensing Requirements for Unauthorized Insurer that Performs Underwriting Services on Behalf of Authorized Insurer via Computer from Locations Outside of New York	09/22/2004
04-09-12	Reliance on Insurers Website Description of Benefits	09/22/2004
04-09-13	Commissions	09/22/2004
04-09-14	Discrimination in Life Insurance	09/22/2004
04-09-15	Insurance Agents or Brokers Entitlement to Insurance Commissions	09/23/2004
04-09-16	Insurance Law Section 2101 Unlicensed Employees of Insurer	09/28/2004
04-09-17	Deposits with a National Chartered Bank Located Outside New York	09/29/2004

04-10-01	No-Fault Peer Review Organizations	10/04/2004
04-10-02	Attorneys Fees Reimbursable under No-Fault	10/06/2004
04-10-03	No-Fault Fee Schedule Billings for Licensed Acupuncturists	10/06/2004
04-10-04	Applicability of Section 3425 of the Insurance Law	10/06/2004
04-10-05	Information Requested by Insurer	10/05/2004
04-10-06	Imposition of Surcharge on Motor Vehicle/Motorcycle Policy for DWI Conviction	10/07/2004
04-10-07	Age Discrimination	10/07/2004
04-10-08	Employer Sponsored Group Health Insurance Employee Selection of Health Plan	10/12/2004
04-10-09	Procurement of Product or System Group Insurance by Excess Line Broker	10/13/2004
04-10-10	Personal Lines Automobile Insurance UM/SUM Coverage	10/13/2004
04-10-11	Utilization Review Organizations	10/14/2004
04-10-12	Healthcare Consulting, Licensing and Privacy Requirements	10/14/2004
04-10-13	Non-Resident Broker Placing of Brochures at Automobile Dealerships in New York	10/15/2004
04-10-14	N.Y. Ins. Law 2324 & 4224; Inducement to Purchase Insurance	10/15/2004
04-10-15	Group Health Policy Issued in Ohio Covering New York Group Members & Medical Condition Questionnaire	10/19/2004
04-10-16	Letters of Credit / Regulation 133	10/20/2004
04-10-17	CAPCO	10/20/2004
04-10-18	Employer Sponsored Health Insurance, Coverage Options	10/21/2004
04-10-19	Prompt Pay Law	10/21/2004
04-10-20	Insurance Consultation Contracts	10/21/2004
04-10-21	New York Automobile Insurance Plan Coverage	10/22/2004
04-10-22	$25 Postage Rebate	10/22/2004
04-10-23	Prior Year Audit Premiums & Cancellation of Renewal Policies	10/22/2004
04-10-24	Fraud Warning	10/25/2004
04-10-25	Referral by Non-Licensed Employees	10/27/2004
04-10-26	N.Y. Ins. Law 2101(g)(1)(a) Adjusting on Behalf of an Affiliate	10/28/2004
04-10-27	Rental Vehicle Liability Coverage For Non-Named Insured	10/29/2004
04-10-28	New York Free Trade Zone	10/24/2004
04-10-29	Reduction in Settlement Costs to Customer/Purchaser that Uses Sellers Affiliated Title Agent/Insurer to Obtain Title Insurance	10/24/2004

04-11-01	Municipality Contractual Requirements	11/01/2004
04-11-02	Statutory Deposits and Judgment Collection	11/04/2004
04-11-03	Congenital Anomalies of a Dependent Child, Coverage by Health Insurance	11/05/2004
04-11-04	Free Accident Prevention Course for Clients	11/05/2004
04-11-05	Independent adjuster/Third Party Administrator	11/04/2004
04-11-06	Third Party Administrator Licensing as an Independent Adjuster Inquiry in the Context of ERISA Self-Funded Employee Welfare Benefit Plans	11/05/2004
04-11-07	Original Insurance Agent's License & the Requirement for a Certificate of Appointment	11/10/2004
04-11-08	Age Discrimination & Voluntary Market Personal Lines Automobile Insurance Policies	11/10/2004
04-11-09	Medical Card Discount Programs	11/10/2004
04-11-10	Clarification of Issues - CAPCO Program Four	11/12/2004
04-11-11	Mandatory Photo Inspection	11/15/2004
04-11-12	Charitable donations and rebates	11/16/2004
04-11-13	Non-Sub-Licensee Agents and Brokers	11/19/2004
04-11-14	Promotional Contest	11/19/2004
04-11-15	Amendment to N.Y. Ins. Law 4223(b)(2) - Group Annuity Contracts	11/22/2004
04-11-16	No-Fault Additional Personal Injury Protection	11/22/2004
04-11-17	N.Y. Insurance Law 2120 and Regulation 29	11/22/2004
04-11-18	Naval Station Guantanamo Bay	11/24/2004
04-11-19	Reinsurance intermediary's permissible withdrawal of interest from premium and loss account	11/24/2004
04-11-20	Grounds for Cancellation Under 3425	11/29/2004
04-11-21	Broker Licensing	11/29/2004
04-11-22	Bail bonds	11/29/2004
04-11-23	Chamber of Commerce	11/29/2004
04-11-24	Wholesale Insurance Broker Fees	11/30/2004
04-11-25	CAPCO Program Four - Qualified Debt Instrument	11/30/2004
04-11-26	Licensing of Field Investigators as Independent Adjusters	11/18/2004

04-12-01	License Number on Business Cards	12/01/2004
04-12-02	Total Loss Guarantee	12/01/2004
04-12-03	Chapter 687 of the Laws of 2003: Permissible Duties of Unlicensed Customer Service Representatives of Agency or Brokerage	12/01/2004
04-12-04	Property/Casualty Security Fund	12/02/2004
04-12-05	Commission Added to Ocean Marine Net Premium	12/02/2004
04-12-06	New York Automobile Insurance Plan & Service Fees	12/03/2004
04-12-07	Gifts Thanking Insurance Clients	12/07/2004
04-12-08	Statute of Limitations/No-Fault Subrogation & Inter-company Loss Transfer Arbitration	12/09/2004
04-12-09	Reg. 64 Disclosures As To Cost Of Automobile Repairs	12/09/2004
04-12-10	Meaning of "Engaged In Commerce" Under N.Y. Ins. Law 3409	12/09/2004
04-12-11	Health Insurance, Minimum Premium Plan. Self-Funding of "Run-out" Claims	12/10/2004
04-12-12	Sale of Deceased Agent's Business	12/10/2004
04-12-13	Self-Funded Multiple Employer Welfare Arrangements	12/10/2004
04-12-14	Inducements to Insureds	12/13/2004
04-12-15	NYS Partnership for Long Term Care Training Requirements	12/14/2004
04-12-16	Reinsurance Intermediary Fiduciary Accounts	12/14/2004
04-12-17	Bond-posting requirement under 1213(c)(1)(A)	12/17/2004
04-12-18	Brokers Procuring Individual Sureties Through a "Risk Management" Company	12/23/2004
04-12-19	Maximum Guarantee Per Individual Variable Annuity Contract	12/23/2004
04-12-20	Service Contract Refund Agreement	12/23/2004
04-12-21	Joint Venture/Title Agent: Mortgage Bank/Co-Owner's Proposal to Charge Customers/Applicants for Insurance Reduced Attorney Fees	12/27/2004
04-12-22	Commissions Payable to Terminated Insurance Agent	12/27/2004
04-12-23	Public official placing municipal insurance	12/27/2004
04-12-24	Health Insurance, Claims History	12/28/2004
04-12-25	Employer Sponsored Group Health Insurance, Employee Selection of Health Plan	12/28/2004
04-12-26	Health Insurance/Community Rating Policy Issued to Taft-Hartley Trust	12/28/2004
04-12-27	Viatical Settlement Companies	12/28/2004
04-12-28	NYAIP Policy Premium	12/29/2004
04-12-29	Use of Health Insurer of Insureds Social Security Number	12/30/2004
04-12-30	Fully Insured Multiple Employer Welfare Associations (MEWA)	12/30/2004
04-12-31	Placement of Business with an Unauthorized Alien Insurer	12/31/2004
04-12-32	Use of Extrapolation	12/28/2004

Selected Opinions of The Office of General Counsel For The Year of 2004

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