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2004 Selected Opinions of the Office of General Counsel

2004 Selected Opinions of the Office of General Counsel

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Selected Opinions of the Office of General Counsel for the Year 2004

Opinions are listed in the table below in order of Opinion Number which represents the year, the month, and the opinion number for that month. For example, in 04-06-15 the "04" represents 2004, the "06" represents June, and the "15" refers to the 15th opinion of June 2004.

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 Online03/29/2004
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 and 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 - Withdrawn04/27/2004
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 - Withdrawn05/04/2004
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, etc.07/26/2004
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 Insurers - Withdrawn January 21, 202608/17/2004
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 Application - Withdrawn October 16, 2025. See Chapter 439 of the Laws of 2025.09/14/2004
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 and 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
04-12-15New York State 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 by 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