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2005 Selected Opinions of the Office of General Counsel

2005 Selected Opinions of the Office of General Counsel

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Selected Opinions of the Office of General Counsel for the Year 2005

Opinions are listed in the table below in order of Opinion Number which represents the year, month, and order issued, for example, in 05-02-01 the "05" represents 2005, the "02" represents February, and "01" refers to the 1st opinion issued in February of 2005.

Opinion NumberSubjectDate Issued
05-01-01Department Approval of Consulting Agreement between Domestic Property/Casualty Insurer and Unaffiliated Entity01/04/2005
05-01-02Force Place Insurance for Office Equipment01/05/2005
05-01-03Insurance Consulting01/07/2005
05-01-04Interest on Life Claim Payments01/07/2005
05-01-05Insurance Agent and Broker License Number on Quotation and/or Other Correspondence01/11/2005
05-01-06Exemption from Property and Casualty Broker's Course for Individuals with CPCU Designation01/12/2005
05-01-07Accident & Health Benefits, Multiple Employer Welfare Arrangement (MEWA)01/13/2005
05-01-09Third Party Administrator Licensing as an Independent Adjuster for Employee Funded Flexible Spending Accounts or Cafeteria Plans01/14/2005
05-01-10Contract Language Regarding Insurance Coverage01/14/2005
05-01-11Fronting Question Presented01/14/2005
05-01-12Exemption from License as Independent Adjuster for Adjustment Bureau01/18/2005
05-01-13Automobile Insurance Coverage for Loading and Unloading of Persons Being Transported by Ambulance01/18/2005
05-01-14N.Y. Ins. Law 6409(d): Seller of Real Estate's Requirement That Purchasers Pay A Fee If They Use Title Abstract Company/Title Agent of Their Choice01/20/2005
05-01-15Health Insurance, Domestic Partners01/20/2005
05-01-16Incentive Bonuses for Unlicensed Employees of a Licensed Broker or Agent for the Sale of Insurance Products01/20/2005
05-01-17No Exemptions from Requirement of Licensing01/20/2005
05-01-18Credit Insurance Sales and Marketing by Bank01/28/2005
05-01-19Death Benefits, Self Funding01/31/2005
05-01-20Time Limit for Request of Reimbursement on Overpayment01/31/2005
05-01-21Licensing of Medicare Advantage Sales Representatives as Insurance Agents01/06/2005
05-02-01The Provision for Other Expenses Under the New York Prescribed No-Fault Endorsement's Basic Economic Loss Section02/02/2005
05-02-02Agent Liability for Acts of Agent Employed as Independent Contractor02/02/2005
05-02-03ABC Deductible Insurance Program02/02/2005
05-02-04Commission Added to Ocean Marine Premium02/03/2005
05-02-05Fraud Warning02/03/2005
05-02-06Broker Commission02/03/2005
05-02-07Monitoring and Limitation Expense Under N.Y. Ins. Law 422802/03/2005
05-02-08Tire Road Hazard Program02/03/2005
05-02-09Insurer Prohibiting Collection of Premium by Agent from Policyholder02/03/2005
05-02-10Commission Sharing Between Agents and Brokers Not Permitted Where the Referring Agent is Not a Licensed Agent of the Insurer that Writes Policy02/04/2005
05-02-11Payment of Premium as of Postmarked Date02/07/2005
05-02-12Auto Dealers/Gap and Credit insurance02/07/2005
05-02-13Health Insurance, Medicare Eligible Individuals, Premium Reduction02/08/2005
05-02-14Mid-term Premium Increase/Cancellation on Commercial Insurance Policies02/08/2005
05-02-15Countersignature on Insurance Policy02/08/2005
05-02-16Revocable Contingent Assignment of Death Benefits Under a Life Insurance Policy to a Specific Funeral Home02/09/2005
05-02-17Permissibility of Issuing an Insurance Agent's License to an Individual with a Misdemeanor Conviction02/09/2005
05-02-18Reservation of Rights Letter02/10/2005
05-02-19Payment of Premium to Insurer Agent or Broker as of Postmarked Date02/11/2005
05-02-20Issuance of Binding Arbitration Endorsement02/11/2005
05-02-21No-Fault Benefits Cutoff Date After Negative IME Finding02/14/2005
05-02-22Agent Paying Premium for Group Insurance02/15/2005
05-02-23Insurer Communicating Directly with Third-Party Claimant Represented by Counsel02/18/2005
05-02-24Employment Agreement and N.Y. Ins. Law 431202/18/2005
05-02-25Coverage by the Life Insurance Company Guaranty Corporation of New York02/23/2005
05-02-26Internet Sales by Insurers02/23/2005
05-02-27Agent/Broker Licensing and Commission Sharing02/23/2005
05-02-28Notice of Termination Typeface under Section 313(1)(a) of the Vehicle and Traffic Law02/24/2005
05-02-29Licensing of Foreign Health Maintenance Organization's (HMO's) in New York02/24/2005
05-02-30Agency Termination02/28/2005
05-02-31Surety Bond Issued Out of State02/28/2005
05-02-32Rebates and Unfair Competition02/23/2005
05-03-01Permissibility of Title Agent's Decision to Eliminate Certain Discretionary Fees it Customarily Charged its Applicants for Insurance03/02/2005
05-03-02Group Health Insurance/Employee Waiver of Coverage03/07/2005
05-03-03Sharing Commissions' Limited Liability Company03/08/2005
05-03-04Utilization Review Agents, Licensure as Independent Adjusters03/09/2005
05-03-05Permissibility of Joint Venture Title Agent Proposal03/10/2005
05-03-06Premium Finance Agreement03/10/2005
05-03-07Custodians for Insurance Company Assets03/10/2005
05-03-08Termination of Property and Casualty Personal Lines Insurance Agents and Brokers03/10/2005
05-03-09Licensing requirement for employees of independent adjuster03/11/2005
05-03-10Compensation to non-licensed party subsequent to referral03/11/2005
05-03-11Requirement of Submission of Additional Application (NF-2) for No-Fault Benefits by Insurer03/15/2005
05-03-12Prospective Denial of Health Insurance Coverage & Article 49 of the Public Health Law03/16/2005
05-03-13Licensing Requirement for Risk Management Consultant03/17/2005
05-03-14Warranty On Auto Anti-Theft Devise Constitutes Insurance03/17/2005
05-03-15Independent contractors and workersÂ’ compensation coverage03/11/2005
05-03-16Letters of Credit03/17/2005
05-03-17Professional Employer Organization (PEO), Health Insurance03/18/2005
05-03-18Assumption of WorkersÂ’ Compensation Risk From Employer By Insurer03/18/2005
05-03-19Group Accidental Death & Personal Loss Coverage, Newborn Infants03/18/2005
05-03-20Health Insurance Appeals, Coordination with Federal Requirements03/182005
05-03-21Payment for Physician Independent Contractors, No-Fault03/21/2005
05-03-22Physician's Billing for Services of Employees or Independent Contractors/Health Insurance03/22/2005
05-03-23Incentives for Gap Insurance Sales03/22/2005
05-03-24Acupuncture Packages03/22/2005
05-03-25Coalition of Not-For-Profit Organizations, Purchase of Group Health Insurance03/22/2005
05-03-26Domestic Partner Benefits03/22/2005
05-03-27Interpretation of Ins. Law 3222(b)(v)03/22/2005
05-03-28Surety Bond03/22/2005
05-03-29Return of Commissions03/22/2005
05-03-30Tire and Rim Program03/22/2005
05-03-31Group Accident & Health Insurance Policy for Non-Union Members03/23/2005
05-03-32Records Retention Guidelines for Insurance Agents and Insurance Brokers03/24/2005
05-03-33Excess wear waiver03/24/2005
05-03-34Group Life & Health Insurance/Premium Rates03/29/2005
05-03-35Coalition of Not-For Profit Organizations, Purchase of Group Health Insurance03/29/2005
05-03-36No-Fault Inter-Company Loss Transfer Claims - Statutory Offsets03/23/2005
05-03-37Proposed Transfer of Warranty Agreements to Registered Service Contract Provider03/09/2005
05-03-38Gap Insurance and Gap Waivers.03/09/2005
05-04-01Filing of Service Contract Reimbursement Insurance Forms04/04/2005
05-04-02Applicability of N.Y. Ins. Law 403 and Regulation 95 Requirement of Fraud Warning Statements in Applications and Claim Forms to Excess Line Insurers04/04/2005
05-04-03Homeowners Insurance / Insurable Interest04/04/2005
05-04-04Employer Sponsored Group Health Insurance, Waiver of Coverage04/05/2005
05-04-05Commercial Lending by an LLC Owned by an Unauthorized Insurer04/06/2005
05-04-06Supplemental Spousal Liability Coverage and For-Hire Vehicle Policies04/07/2005
05-04-07Co-payment and Deductible Waivers04/08/2005
05-04-08Licensing Requirement for Independent Adjuster04/11/2005
05-04-09Maternity Care Coverage04/13/2005
05-04-10Group Annuity Contracts, Transfer of Assets04/13/2005
05-04-11Licensed Agent Directing Commissions to Unlicensed Not-for-Profit Association04/13/2005
05-04-12Health Insurance Portability & Accountability Act (HIPAA), Privacy Rule, Psychotherapy Notes04/14/2005
05-04-13Health Insurance, Recoupment of Overpayment04/14/2005
05-04-14Flexible Spending Accounts Administration and Rebating04/15/2005
05-04-15Investments by Insurers in Limited Liability Companies04/20/2005
05-04-16Referral Fees and Rebates04/22/2005
05-04-17Provider's Waiver of Utilization Review Determination by Telephone04/22/2005
05-04-18Group Health Insurance, Dependent Continuation Right04/22/2005
05-04-19Premium Finance Agency Fee04/22/2005
05-04-20Individual Health Insurance for Non-Citizens04/25/2005
05-04-21Acting as Insurance Producer Without a License04/25/2005
05-04-22Foreign Arbitration Clause04/27/2005
05-04-23Agent of a Title Insurance Corporation; Licensing Inquiry04/29/2005
05-04-24Appraisal Clause04/29/2005
05-04-25Reimbursement for Services Provided by a Social Worker.04/07/2005
05-05-01Discount Dental Club05/02/2005
05-05-02Collateral Trust Arrangement05/03/2005
05-05-03Midterm Cancellation of Workers' Compensation Insurance05/03/2005
05-05-04Public Adjusters and Conflicts of Interest05/04/2005
05-05-05Community Rating and Out-of-State Association Trust05/04/2005
05-05-06Permissibility of Proposed Business Arrangement/Joint Venture/Title Agent05/04/2005
05-05-07Section 5 of TIRSA Manual: Request for Department Ruling That Fair Market Value of Buildings Are Less than Assessed Value05/05/2005
05-05-08Mass Merchandising05/06/2005
05-05-09Office Location05/06/2005
05-05-10Fully Insured Multiple Employer Welfare Arrangements05/09/2005
05-05-11New York Municipal Law Section 92-a05/09/2005
05-05-12Charitable Gift Annuity05/09/2005
05-05-13Small Group Health Insurance, Premium Rates05/09/2005
05-05-14Disclosure of Health Insurance Information05/09/2005
05-05-15Workers' Compensation05/11/2005
05-05-1618 USCA 1033 Waiver05/11/2005
05-05-17Formation of a Title Insurance Company05/12/2005
05-05-18Agent/Broker Licensing and Commission Sharing05/11/2005
05-05-19Broker Fees and Commissions05/11/2005
05-05-20Wrap-up Policy Not Subject to Audit Adjustment05/17/2005
05-05-21Investigating Claims05/17/2005
05-05-22Insurer's Right to Cancel for Non-payment of Additional Premium05/18/2005
05-05-23Intra-Organization Claims Adjusting License Requirement05/20/2005
05-05-24Community Rated group health insurance Notification of employee's termination05/20/2005
05-05-25Unlicensed Insurance Agent & Unauthorized Health Insurer05/24/2005
05-05-26Life Insurance Underwriting05/25/2005
05-05-27Application of Excess Line Premium Tax to Policies Sold to Indian Tribes05/26/2005
05-05-28Automobile Insurer Reporting of Private Passenger Automobile First-party Physical Damage and Third-party Property Damage Losses Required by Section 216.8(d)(2) of Regulation 64 to the Central Organization ISO05/26/2005
05-05-29Physician Acceptance of No-Fault Fee Schedule05/28/2005
05-05-30Foreign Embassy or Consulate as Employer for Purposes of Group Life/Health Insurance Policy05/30/2005
05-05-31Service Contracts05/31/2005
05-05-32Discounts for Completing a Defensive Driving Course05/31/2005
05-05-33Prize Give Away Limitation05/31/2005
05-05-34Liability for Rental Cars - N.Y. Gen. Bus. Law 396-z05/31/2005
05-06-01Excess Line Association of New York (ELANY) Proposed Electronic Filing & Stamping System06/02/2005
05-06-02Charitable Donation of One Year of Life Insurance Premium06/02/2005
05-06-03Payment of Rental Car Damage Claim06/03/2005
05-06-04Health Insurance, Continuation Benefit06/03/2005
05-06-05Association Groups, Health Insurance06/03/2005
05-06-06Digital Photography06/06/2005
05-06-07Charitable Annuities06/06/2005
05-06-08Applicability of Regulation 64 to a Motor Vehicle Accident06/07/2005
05-06-09

Regulation 60 & Staggered Infusion of Funds from Life Insurance Policy and Annuity Contract into New Annuity Contract. See Opinion No. 06-02-04

06/07/2005
05-06-10Chronic Health Conditions, Declination for Insurance06/08/2005
05-06-11Unlicensed Bank Representative & Rebating06/09/2005
05-06-12Health Insurance, Coverage of Chiropractic Services06/13/2005
05-06-13Group Annuity 401(k) Product06/16/2005
05-06-14Exemption from Independent Adjuster Definition Applicable to an Adjustment Bureau06/16/2005
05-06-15Use of Credit to Cancel or Non-Renew a Commercial Risk Insurance Policy06/17/2005
05-06-16Licensing of Foreign HMO in NY06/17/2005
05-06-17Title Insurance06/17/2005
05-06-18Applicability of New York State Insurance Law 9110 Motor Vehicle Law Enforcement06/17/2005
05-06-19Cancellation of Excess Line Insurance Policies06/20/2005
05-06-20Emergency Treatment, Physician's Services06/21/2005
05-06-21Underwriting Questionnaires: Usage by New York Automobile Insurance Plan (NYAIP) Insurers to Underwrite NYAIP Insureds06/21/2005
05-06-22

An Individual Licensed as an Insurance Agent and Broker Using a Trade Name to Transact Business in New York State

06/21/2005
05-06-23N.Y. Comp. Codes R. & Regs. tit. 11, 60-1.1(c)(3)(i)-(iii) (Regulation 35-A) Exclusions06/22/2005
05-06-24Automobile Insurance Advertisements.06/22/2005
05-06-25Hiring a Person Whose Insurance Broker License was Revoked to Work in an Insurance Business06/22/2005
05-06-26Valuation of Life Estate06/23/2005
05-06-27Group Life Insurance, Union as Policyholder06/23/2005
05-06-28Health Insurance Eligibility06/23/2005
05-06-29Independent Adjuster Licensing Requirements Request for Reconsideration of Opinion06/24/2005
05-06-30Referrals06/27/2005
05-06-31Architect Fees06/27/2005
05-06-32Interplay of Medicaid and Healthy New York with Private Health Insurance06/27/2005
05-06-33Dividends on Group Term Life Insurance.06/27/2005
05-06-34Health Insurance Continuation Benefits & Administrative Services06/28/2005
05-06-35Broker Fees06/28/2005
05-07-01Compensation Paid to Mortgage Lender's Employees for Referring Title Business to Lender's Affiliated Title Insurance Company07/01/2005
05-07-02No-Fault: Preferred Providers Organization (PPO)07/01/2005
05-07-03Payment of Interest on Life Insurance Proceeds.07/05/2005
05-07-04Electronic Transmittal of Explanations of Benefits (EOB)07/05/2005
05-07-05Discount Vision Program07/05/2005
05-07-06Third Party Administrator License Requirement07/05/2005
05-07-07Employment Based Group Insurance, Minimum Hours of Work07/07/2005
05-07-08General Inquiry Regarding an Authorized Insurer that Issues an Insurance Policy on an Unapproved Policy Form07/07/2005
05-07-09Group Health Insurance Coverage of Spouse07/07/2005
05-07-10Commercial Lending by an LLC Owned by an Unauthorized Insurer - Retaliatory Tax Inquiry07/12/2005
05-07-11Bid Credit For Insurance Under New York Insurance Law 250507/12/2005
05-07-12Solicitation for Purchase of Life Insurance Policy07/13/2005
05-07-13Utilization Review, Pharmacy Benefits07/13/2005
05-07-14

Broker Compensation

07/15/2005
05-07-15Sale of Book of Business07/05/2005
05-07-16Offering Free Administrative Services in Connection with the Sale of Health Insurance07/13/2005
05-07-17Disclosure of Policyholder Files by Insurance Agents (Regulations 169 and 173)07/15/2005
05-07-18Chiropractors, Health Insurance07/19/2005
05-07-19Cancellation of Commercial Liability Insurance Policy N.Y. Ins. Law 3426 (McKinney Supp. 2005)07/19/2005
05-07-20Health Maintenance Organization, Commissions07/20/2005
05-07-21Record Retention07/21/2005
05-07-22Regulation 114 - Proposed Master Trust07/21/2005
05-07-23Proof of Marriage For Auto Insurance07/21/2005
05-07-24Payment of Fee by Independent Adjuster to Broker07/25/2005
05-07-25Permissibility of Broker Engaging in COBRA and General Billing Administration on Behalf of its Clients07/26/2005
05-07-26Public Adjusters07/26/2005
05-07-27Referrals of Potential Insureds by Non-Licensees to an Insurance Agency07/27/2005
05-07-28Excess Workers' Compensation - Insurance Policies for Self-Insured Employers07/27/2005
05-07-29Referral Fee07/28/2005
05-07-30Minimum Earned Premiums07/28/2005
05-07-31N.Y. Comp. Codes R. & Regs. tit. 11, Part 101, (Regulation 164) (2002), Applicability07/29/2005
05-07-32Receipt of Insurance Broker's Future Commissions by Spouse of Deceased Broker07/21/2005
05-08-01Special Risk Insurance Written in the Free Trade Zone - Purchasing Groups08/01/2005
05-08-02Regulation of Travel Agents Selling Travel Insurance08/02/2005
05-08-03Merger of Service Contract Providers08/02/2005
05-08-04One-Time Copay Waiver/Refund Incentive08/03/2005
05-08-05Driving Discounts08/03/2005
05-08-06Commercial Property Insurance/Affect of Binder08/09/2005
05-08-07Offering Free Tax Preparation Services to Employers in Connection with the Sale of Employee Benefits08/09/2005
05-08-08Article 48 and Preferred Provider Organizations.08/12/2005
05-08-09Licensing Requirements of a United States Manager of a U.S. Branch of an Alien Insurer08/12/2005
05-08-10Out-of-Network Health Coverage08/12/2005
05-08-11Accounting Practices and Procedures Manual - Regulation 17208/15/2005
05-08-12Loss Information Requests08/16/2005
05-08-13Accident & Health Insurance, Workers' Compensation Exclusion08/17/2005
05-08-14Group Health Insurance, Waiver of Coverage08/19/2005
05-08-15Loan Participations as "Qualified Investments" - CAPCO Statute08/22/2005
05-08-16Health Maintenance Organizations, Commissions08/24/2005
05-08-17Commercial Umbrella Policy's Aggregate Limits of Liability08/25/2005
05-08-18Disclosure of Broker Commission08/30/2005
05-08-19Insurers Obligation to Use Insurance Producers08/30/2005
05-08-20Referrals of Potential Insureds by Non-licensees to an Insurance Agency08/30/2005
05-08-21Interpretation of "[A]ny Notice Rejecting Any Element of a Claim Involving Personal Property Insurance" Contained in Section 216.6(h) of Regulation 6408/31/2005
05-08-22Health Care Insurance Grouping08/30/2005
05-08-23Permissibility of Agent Inducing Residents to Purchase Insurance from Him in Exchange for His Donation of $50-$100 from Each Purchased Policy to a Specific Organization08/30/2005
05-08-24Third Party Administrator and Adjuster's License08/01/2005
05-09-01Arrangement Between an Insurance Broker and Unlicensed Entities09/01/2005
05-09-02Insurance Sales on the Internet09/01/2005
05-09-03Independent Insurance Adjusters Licenses.09/06/2005
05-09-04Mortgage Guaranty Insurance09/06/2005
05-09-05Multiple Employer Welfare Arrangements (MEWA)09/07/2005
05-09-07Limited license for credit insurance09/08/2005
05-09-08Public Adjusters & Mortgagee Rights09/08/2005
05-09-09Unauthorized Health Insurer & Sales in New York for Risks outside New York09/12/2005
05-09-10Audit of Health Insurance Claims09/12/2005
05-09-11Health Insurance External Appeals, Time Limitations on Appeals09/12/2005
05-09-12Broker Payments to Unlicensed Trainees.09/12/2005
05-09-13Non-resident Insurance Agent/Insurance Consulting09/13/2005
05-09-14Form and Rate Filing Requirements for Group Policy Issued outside New York09/16/2005
05-09-15Prospective Cancellation of Non-Automobile Personal Lines Insurance Renewal Policies09/16/2005
05-09-16Non-resident Third Party Administrator09/19/2005
05-09-17Utilization Review, Physical Therapist as Clinical Peer Reviewer09/19/2005
05-09-18Alarm System Rebates for Clients09/19/2005
05-09-19Physician's Assistants, Professional Liability Insurance09/21/2005
05-09-20Medicare Supplemental Insurance, Pre-Existing Condition Limitations & Underlying Coverage09/22/2005
05-09-21Application of N.Y. Ins. Law 3426(g)(2) (McKinney Supp. 2005)09/23/2005
05-09-22Professional Employer Organization (PEO), Healthy New York09/27/2005
05-09-23Renewal Requirements for Commercial Risk Policies09/28/2005
05-09-24Minimum Requirement for No Fault Transportation Benefits Claim09/28/2005
05-09-25Referrals and Insurance Quotes09/28/2005
05-09-26Wireless Telephone Repair Contract09/30/2005
05-09-27Electronic Signatures09/16/2005
05-09-2809/26/2005
05-10-01Peace Officer Designation of Bail Bond Agents by Superintendent of Insurance10/03/2005
05-10-02No-Fault Coverage for New York Resident Injured Outside New York10/03/2005
05-10-03ABC Vacations - ABCV Put Option10/05/2005
05-10-04Licensing Inquiry for Third Party Administrators10/07/2005
05-10-05Health Insurance Portability & Accountability Act (HIPAA), Privacy Rule, Psychotherapy Notes10/07/2005
05-10-06Use of Captive Insurers - Self Procurement Tax10/12/2005
05-10-07Group Health Insurance, Domestic Partner Coverage10/12/2005
05-10-08Financial Responsibility Requirements for Service Contract Providers10/14/2005
05-10-09Rebating10/17/2005
05-10-10Attorney Acting as Independent Adjuster10/17/2005
05-10-11Drug Enforcement Administration, Controlled Substance Registration10/17/2005
05-10-12Comparative Statutory Analysis of N.Y. Ins. Law 4224(a)(3) &  (b)(3)10/20/2005
05-10-13Out of State Call Centers10/20/2005
05-10-14Agent Charging Fee for Insufficient Check Charges10/21/2005
05-10-15The City of New York's Exemption from the Motor Vehicle Financial Security Act10/21/2005
05-10-16Mortgage Guaranty Insurance - Determination of Fair Market Value10/24/2005
05-10-17Group Life Insurance, Assignment10/25/2005
05-10-18Reinsurance Intermediary Clause10/27/2005
05-10-19Permissibility of Proposed Ownership of Title Agency10/28/2005
05-10-20Disclosure of Relationship Between Insurance Producer and Premium Finance Agency10/28/2005
05-10-21New York Taxation of Insurers10/31/2005
05-10-22Excess Line Premium Tax10/21/2005
05-10-23Agent Record Retention10/21/2005
05-10-24Financial Guaranty Insurance - Triple X Securitizations10/17/2005
05-11-01Construction Bid - Credit Applied for Insurance Cost11/03/2005
05-11-02Financial Property Insurance11/03/2005
05-11-03Authorized Insurer Using Conditional Renewal Notice to Place Insured with Affiliated Unauthorized Insurer11/03/2005
05-11-04Minimum Premium11/03/2005
05-11-05Fees Charged by an Insurance Agent to Members of a Purchasing Group11/04/2005
05-11-06Broker Business Card11/04/2005
05-11-07Fuel Oil Dealer Business Interruption Program Covering Property Damage of Client's Residential Oil Tank11/07/2005
05-11-08Consulting Fee for an Insurance Agent11/07/2005
05-11-09New York State Jurisdiction Over Health Insurance Premium Rates.11/08/2005
05-11-10Coverage for Infertility Treatments11/08/2005
05-11-11Wrap-up Insurance11/08/2005
05-11-12Fee-for-Service Arrangement Between Independent Practice Association (IPA) & Insurer11/09/2005
05-11-13Homeowner's Insurance Policy and Workers Compensation Insurance for Domestic Worker11/09/2005
05-11-14Terminated Insurance Agent Records that an Insurer Shall Maintain11/10/2005
05-11-15Permissibility of Proposed Business Arrangement to Own Title Agency11/10/2005
05-11-16Requirements of Training Programs to Identify and Evaluate Possible Insurance Fraud11/11/2005
05-11-17Group Health Insurance, Employer-Employee Group11/14/2005
05-11-18Life Insurance Guaranty Corporation of New York/Coverage of Pension Plans11/14/2005
05-11-19Promotional Gifts11/15/2005
05-11-20On-Line Insurance Referral Service11/15/2005
05-11-21Signature on an Insurance Contract11/17/2005
05-11-22Capital Contribution from Corporate Parent11/18/2005
05-11-23Public Adjuster's Fees11/18/2005
05-11-24Service Fees11/21/2005
05-11-25Circular Letter No. 6 (2005) and Registered Representatives11/21/2005
05-11-26Check Address11/22/2005
05-11-27Individual Life Insurance, Conditional Receipts11/22/2005
05-11-28Delivery of Policy Forms by an Insurer in Electronic Form Only11/23/2005
05-11-29Financial Audit of Managing General Agents (MGA)11/29/2005
05-12-01Group Health Insurance, Multiple Employers.12/01/2005
05-12-02Permissibility of Real Estate Brokerage's "Free" Closing Gift of a Home Protection Plan to its Clients12/01/2005
05-12-03Definition of Encryption12/02/2005
05-12-04Mail Order Exemptions12/05/2005
05-12-05Adding Cooperative Corporation as Insured To Homeowners Insurance Policy12/07/2005
05-12-06Permits for Charitable Annuity Societies12/08/2005
05-12-07Purchase of Commercial Annuities by Charitable Annuity Societies12/08/2005
05-12-08Non-Resident Managing General Agent License12/08/2005
05-12-09Accident Prevention Course Discount12/08/2005
05-12-10Subrogation and Physical Damage Claims - Regulation 6412/08/2005
05-12-11Adjuster Licensing12/09/2005
05-12-12Agent or Broker Charging Fee for Insufficient Check Charge12/12/2005
05-12-13Wrap-up Insurance12/14/2005
05-12-14Excess Line Placement12/19/2005
05-12-15Life Insurance Transactions12/19/2005
05-12-16Commercial Umbrella Liability Insurance and Discrimination Claims12/20/2005
05-12-17Reinsurance of Punitive Damage Coverage12/21/2005
05-12-18Authorized Insurers for Public Works Contractors12/21/2005
05-12-19Maximum Life Insurance Limits for Juveniles12/22/2005
05-12-20Group Health Insurance, Employee Eligibility12/27/2005
05-12-21Electronic Fund Transfers12/27/2005
05-12-22Minimum Premium for IRPM Plan12/27/2005
05-12-23ABC Health Plan, Inc. - Gastric Bypass Surgery12/27/2005
05-12-24Issuance of Closing Protection Letter by Title Insurance Company12/28/2005