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.

January | February | March | April | May | June | July | August | September | October | November | December

Opinion NumberSubjectDate Issued
04-01-01No-Fault Benefits - Reimbursement for Acupuncture Services01/05/2004
04-01-02Insurance sales in New Jersey01/05/2004
04-01-03Interpretation of the Term "personal property insurance" in Section 216.6(h) of Regulation 6401/06/2004
04-01-04National Insurance Crime Bureau01/06/2004
04-01-05Insurance as a Membership Benefit01/06/2004
04-01-06Premium Finance Agreements - Payment to a Licensed Agent01/06/2004
04-01-07Accident & Health Insurance, Premium Rates01/07/2004
04-01-08Dog Bite Exclusion in a Homeowner's Policy01/07/2004
04-01-09Insurer's Deposit of a Settlement Payment into a Checking Account01/07/2004
04-01-10Self-Funded Health Benefit Plans, Regulation of Stop-Loss Insurance01/07/2004
04-01-11Group Health Insurance and Out of State Employer Groups01/08/2004
04-01-12Insurance Coverage of Domestic Partners01/08/2004
04-01-13Terrorism Exclusions in Inland Marine Insurance Policies01/09/2004
04-01-14Uninsured Motorist Coverage - Out-of-State Vehicle01/13/2004
04-01-15Letters of Credit / Regulation 13301/13/2004
04-01-16Trading with the Enemy Act and International Emergency Economic Powers Act01/15/2004
04-01-17Service of Process on an Unauthorized Alien Insurer Under N.Y. Insurance Law 1213 - Marine Insurance01/16/2004
04-01-18Holding Company Act Requirements Regarding Reinsurance Between Affiliates01/21/2004
04-01-19Replacement of Long Term Care Insurance, Agent's Compensation01/21/2004
04-01-20Policy Issued to an Insurer and its Agents and the Representatives of its Affiliate, a Securities Broker/Dealer01/21/2004
04-01-21Investments by Hospital Medical Malpractice Self-Insurance Fund01/29/2004
04-01-22Sale of Insurance to Non-residents and Residents of New York01/29/2004
   
04-02-01Use of Missouri Low Income Housing Tax Credits and the New York Retaliatory Tax02/03/2004
04-02-02Excess Line Placements and the Property/Casualty Insurance Security Fund (PCISF) Payment Limits02/05/2004
04-02-03Independent Adjuster License02/05/2004
04-02-04Key Man Insurance - N.Y. Ins. Law 3205(a)(1)(B)02/09/2004
04-02-05Signatures on Unfair Claims Letters02/10/2004
04-02-06Sale of Insurance to Association Members and Rebating – N.Y. Ins. Law 422402/12/2004
04-02-07Charitable Gift Annuities, Acceptable Consideration02/13/2004
04-02-08HMO is Subject to Article Four of the New York Insurance Laws02/13/2004
04-02-09Audit Fees02/17/2004
04-02-10Licensing Requirements for Provision of Web Site Database to Claims Adjusters02/17/2004
04-02-11Commercial Liability Insurance Policy Endorsements02/18/2004
04-02-12Written notice to the No-Fault insurer in the event of an accident applicable to the Regulation 68-A mandatory personal injury protection endorsement02/18/2004
04-02-13The Completion of Service on Beneficiary & Regulation 13302/18/2004
04-02-14Health Care Provider Network Arrangements with Self-Funded Entities02/18/2004
04-02-15Application of N.Y. Ins. Law 3425(j) to all Insurance Agents and Brokers02/18/2004
04-02-16Issuance of Surety Bonds – Licensing Requirement02/19/2004
04-02-17Record Retention of Insurance Applications02/19/2004
04-02-18Calculation of Total Loss Payment and Regulation 6402/19/2004
04-02-19Issuance of Unsecured Debt by a Holding Company - Approval Requirement02/19/2004
04-02-20Commercial Umbrella Insurance Policy02/19/2004
04-02-21Payment of Fees to Public Adjusters02/20/2004
04-02-22Automobile Tire and Wheel Road Hazard and Other Aftermarket Programs02/20/2004
04-02-23Short-Rate Penalty02/20/2004
04-02-24Disclosure of Expert Witness In No-Fault Arbitration02/24/2004
04-02-25Waiver of Co-Payments02/24/2004
04-02-26Multiple Employer Welfare Arrangements (MEWA), Insurance Department Requirements02/25/2004
04-02-27Certificates of Insurance02/27/2004
04-02-28Jeweler's Block Insurance and Section 342602/27/2004
04-02-29Long Term Care Insurance, Discrimination Because of Breast Cancer02/27/2004
04-02-30Utilization Review, Clinical Peer Reviewer02/27/2004
04-02-31

Annual Restoration to Lifetime Maximum

02/27/2004
   
04-03-01Endorsements for Commercial Liability Insurance Policies03/02/2004
04-03-02Insurance Agents and Brokers Donating Profits to Charities03/03/2004
04-03-03Termination of Producer-Insurer contract Non-renewal of automobile insurance03/03/2004
04-03-04Dental Indemnity Corporation, Termination of Dentist03/04/2004
04-03-05Small Employer Health Insurance03/04/2004
04-03-06Workers' Compensation and General Liability Insurance, Rate Calculation03/04/2004
04-03-07Proposal By A Charitable Not-For-Profit Organization To Confer A Benefit Of Up To $2,000 Accident And Health Coverage For Its Volunteers03/09/2004
04-03-08Submission of No-Fault Claims03/10/2004
04-03-09Premiums Collection Licensing Requirements03/11/2004
04-03-10Medical Specialty No-Fault IMEs03/12/2004
04-03-11Continuation of Coverage03/12/2004
04-03-12Insurance requirements for the holder of a special use permit for antennas on a telecommunications tower03/12/2004
04-03-13Self- Service Storage Facilities03/12/2004
04-03-14Insurance Agency Letterhead and Envelope Requirements03/12/2004
04-03-15Insurance Agents/Commissions; Insurance Law Article 2103/16/2004
04-03-16Usual Customary & Reasonable, Prescription Drugs03/16/2004
04-03-17Life Settlements03/17/2004
04-03-18Life Insurance Contract & Misrepresentation by Agent03/22/2004
04-03-19Procuring Life Insurance on Child's Father Without his Written Consent03/23/2004
04-03-20Employer Sponsored Group Health Insurance, Waiver of Coverage03/23/2004
04-03-21Health Maintenance Organization, Coverage of Dependent03/25/2004
04-03-22Electronic Insurance Notices to Lenders03/25/2004
04-03-23Record Retention03/25/2004
04-03-24Electronic Policy Issuance and Insured Records Management On-line03/29/2004
04-03-25Offering Free Administrative Services03/29/2004
04-03-26Permissibility of Providing Radiological Services to Members of Entities such as Unions, Health and Welfare Funds and Insurers03/30/2004
04-03-27Unlicensed Foreign Broker & Insurance Sale Commissions03/31/2004
04-03-28Municipal Cooperative Health Benefit Plans03/31/2004
04-03-29Mold Exclusions in New York Umbrella and Excess Liability Free Trade Zone Policies03/31/2004
04-03-30Non-Renewal Notice03/31/2004
04-03-31Proposed Automobile Glass Replacement Program03/31/2004
04-03-32No-Fault Coverage - Out-of-State Vehicle03/31/2004
   
04-04-01Receipt 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 Years04/01/2004
04-04-02Community Rating and Insurance Department Circular Letter 16 (September 4, 2002)04/01/2004
04-04-03Definitions04/02/2004
04-04-04Insurance Consultants04/02/2004
04-04-05

Same Sex Marriage, Civil Union and Domestic Partnerships

See Opinion No. 04-05-25

04/02/2004
04-04-06Homeowners' Insurance Policy/Changes in Valuation of Property04/02/2004
04-04-07Life or Long-Term Care Insurance Referral by Non-Licensee04/09/2004
04-04-08Third Party Administrator Licensing as an Independent Adjuster in the Context of ERISA Self-Funded Employee Welfare Benefit Plans04/13/2004
04-04-09Licensing Requirements04/14/2004
04-04-10Payment of Renewal Commissions04/15/2004
04-04-11Investigator04/16/2004
04-04-12Audit premium applicable to a covered policy as defined by N.Y. Ins. Law 342604/19/2004
04-04-13Underlying Individual Policy & New York Statutory Excess Medical Malpractice Insurance Coverage04/19/2004
04-04-14Independent Adjuster Licensing04/20/2004
04-04-15Proposed Residual Value Policy04/20/2004
04-04-16Conviction04/20/2004
04-04-17Commissions Paid to Appointed Agents04/20/2004
04-04-18Wrap-up Policy Not Subject to Audit Adjustment04/20/2004
04-04-19Municipal Cooperative Health Benefit Plans, Withdrawal of Participant04/21/2004
04-04-20Outbound Calls & Referrals by Non-Licensees04/22/2004
04-04-21Cancellation of homeowners' insurance policy based upon unoccupied premises04/22/2004
04-04-22Premiums for Performance Bonds04/26/2004
04-04-23No-Fault Lump-Sum Settlements for Medical Settlements04/26/2004
04-04-24Proposed Customer Storage Protection Plan and Insurance04/27/2004
04-04-25Proposed lease guaranty surety bond ** OPINION WITHDRAWN **04/27/2004
04-04-26Charitable Gift Annuities04/27/2004
04-04-27Securitization of Viatical Settlements04/27/2004
04-04-28Supplementary Uninsured/Underinsured Motorist (SUM) Coverage04/27/2004
04-04-29Financial Risk Sharing/Capitation Arrangements: Adjuster/Insurer Licensing04/28/2004
04-04-30Cancellation of Excess Line Insurance Policies and Retention of Minimum Earned Premium04/28/2004
04-04-31Proposed Home Warranty and Maintenance Program04/28/2004
04-04-32Credit Property Insurance04/29/2004
   
04-05-01Insurance on Maintenance Agreements05/04/2004
04/05/02"Lease Bond" as Financial Guaranty Insurance ** OPINION WITHDRAWN **05/04/2004
04-05-03Notification to Terminate Group Accident and Health Insurance Sent by Electronic Transmission05/05/2004
04-05-04Employer Sponsored Group Health Insurance, Waiver of Coverage05/05/2004
04-05-05Commission Sharing between Agents and Brokers05/06/2004
04-05-06Employer Sponsored Group Health Insurance, Waiver of Coverage05/07/2004
04-05-07Proposed Manufacturer's Extended Warranty For a Non-Consumer Product05/07/2004
04-05-08Triggers for Compliance with Regulation 9505/07/2004
04-05-09Rate and Form Filing for Title Insurance Guarantees05/10/2004
04-05-10Minimum Earned Premium Imposed By Unauthorized Insurer05/10/2004
04-05-11Section 9110: Leased Vehicles/Payment of Motor Vehicle Enforcement Fee by Insurers05/10/2004
04-05-12The Product Warranty of a Tire Product05/11/2004
04-05-131115(a) - Use of a Letter of Credit in Place of Reinsurance05/13/2004
04-05-14No-Fault First Party Benefits, Coordination of Medical Care05/13/2004
04-05-15New York External Appeal Law05/17/2004
04-05-16Debt Cancellation Contract or Debt Suspension Agreement Insurance05/18/2004
04-05-17Anti-Theft and Vehicle Recovery System05/18/2004
04-05-18Unearned Premium on Life Insurance Policies05/19/2004
04-05-19Viatical Settlement Companies, Exception from Licensing Requirement05/20/2004
04-05-20Service Contracts or Warranties and Risk Retention Groups05/24/2004
04-05-21Internet Advertising05/24/2004
04-05-22Licensing Inquiry05/25/2004
04-05-23Date of Issuance of No-Fault Denial05/25/2004
04-05-24Accident & Health Insurance, Minimum Participation Rules05/26/2004
04-05-25Same Sex Marriage, Civil Union and Domestic Partnerships05/19/2004
   
04-06-01Group Annuity Contracts, Transfer of Assets06/02/2004
04-06-02Free Defensive Driving Course to Company's Employees06/07/2004
04-06-03Section 2610 - Certified Autobody Repair Shops06/08/2004
04-06-04Certificates of Insurance06/08/2004
04-06-05Protected Health Information, No-Fault Inter-Company Loss Transfer06/08/2004
04-06-06Licensing Requirements Upon Conversion from Corporation to Limited Liability Company06/09/2004
04-06-07Licensing Requirements for Independent Adjusters in New York06/09/2004
04-06-08Public Adjusters06/09/2004
04-06-09Advertising06/10/2004
04-06-10Automobile Glass Repair and Replacement Service06/14/2004
04-06-11No-Fault Fees for Durable Medical Equipment06/16/2004
04-06-12Funding Agreements06/16/2004
04-06-13The making of debt cancellation contracts and debt suspension agreements by financial institutions06/17/2004
04-06-14Premium payment installment plans for commercial policies subject to Section 342606/17/2004
04-06-15Adjuster Licensing Between Affiliate Insurers06/17/2004
04-06-16Utilization Review, Pharmacist as Clinical Peer Reviewer06/22/2004
04-06-17Increased premium after audit06/23/2004
04-06-18Medicare Prescription Drug, Improvement and Modernization Act (MMA), Prompt Pay Law06/24/2004
04-06-19CAPCO - Interpretation of Qualified Business06/24/2004
04-06-20Request to Increase Liability Limit & Insurer's Request for Medical Statement06/24/2004
04-06-21Preferred Provider Organizations06/25/2004
   
04-07-01Conditional Renewal Notice Based on Increased Premium On Commercial Risk Insurance Policy07/01/2004
04-07-02Delivery of Group or Blanket Accident and Health Certificates Via Electronic Transmission07/06/2004
04-07-03Third Party Administrator07/07/2004
04-07-04No-Fault Loss of Earnings of Per Diem Worker07/08/2004
04-07-05Service Contract Provider Registration for Automobile Dealers07/13/2004
04-07-06Municipality hiring an unauthorized insurer07/13/2004
04-07-07Regulation 60 & Replacement of an IRA07/15/2004
04-07-08Pharmacy Management, Insurance Law Licensing Requirements07/16/2004
04-07-09Accident & Health Insurance, New York Mandated Benefits07/19/2004
04-07-10Licensing Authority of United States Branches of Alien Insurers07/21/2004
04-07-11Independent Adjuster Licensing07/21/2004
04-07-12Insurance Broker Employed By Non-Licensee07/23/2004
04-07-13Roadside Assistance With Tire and Wheel Program07/23/2004
04-07-14Permitted Reserve Investments for Non-Life Insurers07/23/2004
04-07-15Broker Offer to Buy "Biggest Steak in Town" as an Inducement under N.Y. Ins. Law 422407/23/2004
04-07-16Interpretation of Circular Letter 19 (2003) – Notice of Cancellation, Non-Renewal, etc07/26/2004
04-07-17Workers' Compensation & Application of N.Y. Ins. 342607/26/2004
04-07-18Long Term Care Insurance, History of Breast Cancer07/26/2004
04-07-19Kidney Dialysis, Insurer Reimbursement07/28/2004
04-07-20Accident & Health Insurance, Waiting Periods07/30/2004
04-07-21Statute of Limitations/No-Fault Subrogation & Inter-company Loss Transfer Arbitration07/30/2004
04-07-22Credit For Reinsurance Ceded To Alien Assuming Insurer07/30/2004
04-07-23Compensation for Insurance Referrals07/27/2004
   
04-08-01Fraud Warning Statement08/03/2004
04-08-02Broker Fees08/03/2004
04-08-03Promotional Discounts N.Y. Ins. Law 232408/03/2004
04-08-04No-Fault Claim Documents And Social Security Numbers08/17/2004
04-08-05Outsourcing of Business Operations by Authorized Insurers08/17/2004
04-08-06Referrals by Bank Tellers08/17/2004
04-08-07Life Insurance Policy with Trust as Beneficiary08/17/2004
04-08-08Employer Sponsored Group Insurance, Waiver of Coverage08/18/2004
04-08-09Nonresident Excess Line Broker License08/18/2004
04-08-10Acquisition of Insurance Agency by a Bank Holding Company08/18/2004
04-08-11Ownership of a property/casualty insurance agency08/18/2004
04-08-12Compensation to Unlicensed Employee of Insurance Broker for Referral08/18/2004
04-08-13Material Misrepresentation, Cancellation and Recission N.Y. Ins. Law 3425 and 3426 (McKinney Supp. 2004)08/18/2004
04-08-14Sale of Insurance to Residents of New York08/18/2004
04-08-15Electronic Signature08/18/2004
04-08-16No-Fault, Coordination of Benefits08/18/2004
04-08-17Broker's Assignment of Premium Finance Agreement and 2119 Agreement08/18/2004
04-08-18Non-Renewal Notice08/19/2004
04-08-19Tuition Refund Program08/18/2004
04-08-20Title Insurance Agency Licensing08/20/2004
04-08-21Discontinuation of a property/casualty insurance policy08/23/2004
04-08-22ABC Products, Inc. - XYZ Warranty and ABC Roadside Programs08/23/2004
04-08-23Offering free administrative services in connection with the sale of health insurance08/23/2004
04-08-24Surety bond required by the New York City Department of Consumer Affairs08/23/2004
04-08-25Blanket Insurance Program, Unauthorized Insurer08/23/2004
04-08-26Certain Requirements for Multi-Year Service Fee Agreements08/24/2004
04-08-27Proposed Direct-Mail Campaign08/24/2004
04-08-28Pet Health Warranty Contract08/24/2004
04-08-29Independent Practice Association, Transfer of Risk08/25/2004
04-08-30Book of Business Ownership & Independent Insurance Agent08/25/2004
04-08-31Videotaping & Use of Props at No-Fault Examination Under Oath08/25/2004
04-08-32Chiropractic Treatment, Participating Provider, Payment by Health Maintenance Organization08/26/2004
04-08-33Non-Solicitation clause of a licensed life insurance agent's employment contract with another licensed life insurance agent08/26/2004
04-08-34Automobile Insurance Policy - Named Insureds08/27/2004
04-08-35Property/Casualty Security Funds08/27/2004
04-08-36Usual Customary & Reasonable (UCR), Prescription Drugs08/30/2004
04-08-37Rebates08/30/2004
04-08-38Penalties for Appleton Rule Violations N.Y. Ins. Law 1106 (McKinney 2000)08/31/2004
   
04-09-01Lines of Authority09/01/2004
04-09-02Cancellation or Surcharge for License Revocation Resulting from DWI Chemical Test Refusal09/02/2004
04-09-03No-Fault Denials09/02/2004
04-09-04Certification of Insurers Acting as Sureties for Lien Discharge09/09/2004
04-09-05Anti-Arson Application09/14/2004
04-09-06Right to Invoke Appraisal09/14/2004
04-09-07ABC Physicians Organization, PLLC (ABC) and Health Insurance09/15/2004
04-09-08Producer Billed Policies - Cancellation for Non-Payment09/15/2004
04-09-09Contractor's General Liability, Exclusion of Injury to Employees09/16/2004
04-09-10Third Party Administrator Adjusting Claims09/21/2004
04-09-11Licensing Requirements for Unauthorized Insurer that Performs Underwriting Services on Behalf of Authorized Insurer via Computer from Locations Outside of New York09/22/2004
04-09-12Reliance on Insurer's Website Description of Benefits09/22/2004
04-09-13Commissions09/22/2004
04-09-14Discrimination in Life Insurance09/22/2004
04-09-15Insurance Agent's or Broker's Entitlement to Insurance Commissions09/23/2004
04-09-16Insurance Law Section 2101 Unlicensed Employees of Insurer09/28/2004
04-09-17Deposits with a National Chartered Bank Located Outside New York09/29/2004
   
04-10-01No-Fault Peer Review Organizations10/04/2004
04-10-02Attorney's Fees Reimbursable under No-Fault10/06/2004
04-10-03No-Fault Fee Schedule Billings for Licensed Acupuncturists10/06/2004
04-10-04Applicability of Section 3425 of the Insurance Law10/06/2004
04-10-05Information Requested by Insurer10/05/2004
04-10-06Imposition of Surcharge on Motor Vehicle/Motorcycle Policy for DWI Conviction10/07/2004
04-10-07Age Discrimination10/07/2004
04-10-08Employer Sponsored Group Health Insurance Employee Selection of Health Plan10/12/2004
04-10-09Procurement of Product or System Group Insurance by Excess Line Broker10/13/2004
04-10-10Personal Lines Automobile Insurance UM/SUM Coverage10/13/2004
04-10-11Utilization Review Organizations10/14/2004
04-10-12Healthcare Consulting, Licensing and Privacy Requirements10/14/2004
04-10-13Non-Resident Broker Placing of Brochures at Automobile Dealerships in New York10/15/2004
04-10-14N.Y. Ins. Law 2324 & 4224; Inducement to Purchase Insurance10/15/2004
04-10-15Group Health Policy Issued in Ohio Covering New York Group Members & Medical Condition Questionnaire10/19/2004
04-10-16Letters of Credit / Regulation 13310/20/2004
04-10-17CAPCO10/20/2004
04-10-18Employer Sponsored Health Insurance, Coverage Options10/21/2004
04-10-19Prompt Pay Law10/21/2004
04-10-20Insurance Consultation Contracts10/21/2004
04-10-21New York Automobile Insurance Plan Coverage10/22/2004
04-10-22$25 Postage Rebate10/22/2004
04-10-23Prior Year Audit Premiums & Cancellation of Renewal Policies10/22/2004
04-10-24Fraud Warning10/25/2004
04-10-25Referral by Non-Licensed Employees10/27/2004
04-10-26N.Y. Ins. Law 2101(g)(1)(a) Adjusting on Behalf of an Affiliate10/28/2004
04-10-27Rental Vehicle Liability Coverage For Non-Named Insured10/29/2004
04-10-28New York Free Trade Zone10/24/2004
04-10-29Reduction in Settlement Costs to Customer/Purchaser that Uses Seller's Affiliated Title Agent/Insurer to Obtain Title Insurance10/24/2004
   
04-11-01Municipality Contractual Requirements11/01/2004
04-11-02Statutory Deposits and Judgment Collection11/04/2004
04-11-03Congenital Anomalies of a Dependent Child, Coverage by Health Insurance11/05/2004
04-11-04Free Accident Prevention Course for Clients11/05/2004
04-11-05Independent adjuster/Third Party Administrator11/04/2004
04-11-06Third Party Administrator Licensing as an Independent Adjuster Inquiry in the Context of ERISA Self-Funded Employee Welfare Benefit Plans11/05/2004
04-11-07Original Insurance Agent's License & the Requirement for a Certificate of Appointment11/10/2004
04-11-08Age Discrimination & Voluntary Market Personal Lines Automobile Insurance Policies11/10/2004
04-11-09Medical Card Discount Programs11/10/2004
04-11-10Clarification of Issues - CAPCO Program Four11/12/2004
04-11-11Mandatory Photo Inspection11/15/2004
04-11-12Charitable donations and rebates11/16/2004
04-11-13Non-Sub-Licensee Agents and Brokers11/19/2004
04-11-14Promotional Contest11/19/2004
04-11-15Amendment to N.Y. Ins. Law 4223(b)(2) - Group Annuity Contracts11/22/2004
04-11-16No-Fault Additional Personal Injury Protection11/22/2004
04-11-17N.Y. Insurance Law 2120 and Regulation 2911/22/2004
04-11-18Naval Station Guantanamo Bay11/24/2004
04-11-19Reinsurance intermediary's permissible withdrawal of interest from premium and loss account11/24/2004
04-11-20Grounds for Cancellation Under 342511/29/2004
04-11-21Broker Licensing11/29/2004
04-11-22Bail bonds11/29/2004
04-11-23Chamber of Commerce11/29/2004
04-11-24Wholesale Insurance Broker Fees11/30/2004
04-11-25CAPCO Program Four - Qualified Debt Instrument11/30/2004
04-11-26Licensing of Field Investigators as Independent Adjusters11/18/2004
   
04-12-01License Number on Business Cards12/01/2004
04-12-02Total Loss Guarantee12/01/2004
04-12-03Chapter 687 of the Laws of 2003: Permissible Duties of Unlicensed Customer Service Representatives of Agency or Brokerage12/01/2004
04-12-04Property/Casualty Security Fund12/02/2004
04-12-05Commission Added to Ocean Marine Net Premium12/02/2004
04-12-06New York Automobile Insurance Plan & Service Fees12/03/2004
04-12-07Gifts Thanking Insurance Clients12/07/2004
04-12-08Statute of Limitations/No-Fault Subrogation & Inter-company Loss Transfer Arbitration12/09/2004
04-12-09Reg. 64 Disclosures As To Cost Of Automobile Repairs12/09/2004
04-12-10Meaning of "Engaged In Commerce" Under N.Y. Ins. Law 340912/09/2004
04-12-11Health Insurance, Minimum Premium Plan. Self-Funding of "Run-out" Claims12/10/2004
04-12-12Sale of Deceased Agent's Business12/10/2004
04-12-13Self-Funded Multiple Employer Welfare Arrangements12/10/2004
04-12-14Inducements to Insureds12/13/2004
04-12-15NYS Partnership for Long Term Care Training Requirements12/14/2004
04-12-16Reinsurance Intermediary Fiduciary Accounts12/14/2004
04-12-17Bond-posting requirement under 1213(c)(1)(A)12/17/2004
04-12-18Brokers Procuring Individual Sureties Through a "Risk Management" Company12/23/2004
04-12-19Maximum Guarantee Per Individual Variable Annuity Contract12/23/2004
04-12-20Service Contract Refund Agreement12/23/2004
04-12-21Joint Venture/Title Agent: Mortgage Bank/Co-Owner's Proposal to Charge Customers/Applicants for Insurance Reduced Attorney Fees12/27/2004
04-12-22Commissions Payable to Terminated Insurance Agent12/27/2004
04-12-23Public official placing municipal insurance12/27/2004
04-12-24Health Insurance, Claims History12/28/2004
04-12-25Employer Sponsored Group Health Insurance, Employee Selection of Health Plan12/28/2004
04-12-26Health Insurance/Community Rating Policy Issued to Taft-Hartley Trust12/28/2004
04-12-27Viatical Settlement Companies12/28/2004
04-12-28NYAIP Policy Premium12/29/2004
04-12-29Use of Health Insurer of Insured's Social Security Number12/30/2004
04-12-30Fully Insured Multiple Employer Welfare Associations (MEWA)12/30/2004
04-12-31Placement of Business with an Unauthorized Alien Insurer12/31/2004
04-12-32Use of Extrapolation12/28/2004