

Part No. |
Part Name |
11 NYCRR Reg. No. |
---|---|---|
CH. I. GENERAL PROVISIONS |
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1 |
Definitions |
1 |
2 |
Promulgation of Regulations; Opinions |
1 |
3 |
Election of Directors in Domestic Life Insurance Companies |
14-A |
6 |
Electronic Filings and Submissions |
195 |
7 |
Sale of Insurance Securities |
44 |
8 |
Insider Trading of Insurance Securities |
45 |
9 |
Distribution and Sale of Publications and Forms of the Department of Financial Services |
46 |
10 |
Proxies, Consents and Authorizations of Domestic Stock Insurers |
48 |
12 |
Agent Training Allowance Subsidies for Certain Life Insurance and Annuity Business |
50 |
13 |
Mass Merchandising of Personal Property - Liability Insurance |
58 |
15 |
Simplified Comprehensive Policies of Insurance |
73 |
16 |
Special Risk Insurance |
86 |
17 |
Standard Health Insurance Claims Forms for the Services of Physicians, Dentists and Hospitals |
88 |
18 |
New York Insurance Exchange, Inc. |
89, 89-A & 89-B |
|
Subpart 18-1: General |
89 |
|
Subpart 18-2: Investments in Underwriting Members, Broker Members and Associate Brokers |
89-A |
|
Subpart 18-3: Criteria for Eligibility for the Position of Public Governor |
89-B |
19 |
Homeowners Insurance; Applications for Withdrawal from Marketplace |
154 |
CH. II. AGENTS, BROKERS AND ADJUSTERS |
||
20 |
Brokers, Agents and Certain Other Licensees--General |
9, 18 & 29 |
21 |
Insurance Brokers and Excess Line Brokers |
5 |
22 |
Agents: Life, Accident and Health |
6 |
23 |
Agents: Fire, Marine, Casualty, Etc. |
7 |
24 |
Officers and Employees of insurers |
8 |
25 |
Public Adjusters |
10 |
26 |
Independent Adjusters |
25 |
27 |
Excess Line Placements Governing Standards |
41 |
28 |
Professional Bail Agents |
42 |
29 |
Special Prohibitions |
87 |
30 |
Producer Compensation Transparency |
194 |
31 |
Summary Suspension of insurance Law Licenses |
94 |
32 |
Reinsurance Intermediaries |
98 |
33 |
Managing General Agents |
120 |
34 |
Requirements Pertaining to the Location of an Insurance Agent or Broker at Each Place of Insurance Business: Reporting Requirements |
125 |
35 |
Title Insurance: Title Insurance Agents, Affiliated Relationships, and Required Disclosures |
206 |
CH. III. POLICY AND CERTIFICATE PROVISIONS |
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A. Life, Accident and Health Insurance |
||
39 |
Minimum Standards for the New York State Partnership for Long-Term Program |
144 |
40 |
Group Annuity Contracts and Funding Agreements: Disclosure and Withdrawal Rules |
139 |
41 |
Accelerated Payment of the Death Benefit Under a Life Insurance Policy |
143 |
42 |
Term Life Issuance and Renewal Restrictions; Nonforfeiture Values for Certain Life Insurance Policies |
149 |
|
Subpart 42-1: Term Life Issuance and Renewal Restrictions; Nonforfeiture Values for Certain Life Insurance Policies Issued on or after November 22, 1995 and before January 1, 2009 |
149 |
|
Subpart 42-2: Term Life Issuance and Renewal Restrictions; Nonforfeiture Values for Certain Life Policies Issued on or after January 1, 2008 |
149 |
43 |
Individual Life Insurance Market-Value Adjustment |
136 |
44 |
Individual Deferred Annuities Market-Value Adjustments Withdrawal Charges, Availability of Cash Values |
127 |
45 |
Applications for Life Insurance |
19 |
46 |
Unemployment Lapse Protection Benefit for Life Insurance |
174 |
47 |
Use of Gender-Blended Mortality Tables for Individual Life Insurance Policies by Life Insurers |
112 |
48 |
Life Insurance and Annuity Non-Guaranteed Elements |
210 |
49 |
Fraternal Benefit Societies |
22 |
50 |
Separate Accounts and Separate Account Annuities |
47 |
51 |
Replacement of Life Insurance Policies and Annuity Contracts |
60 |
52 |
Minimum Standards for Form, Content, and Sale of Health Insurance, Including Standards of Full and Fair Disclosure |
62 |
53 |
Life and Annuity Cost Disclosure and Sales Illustrations |
74 |
|
Subpart 53-1: General Provisions |
74 |
|
Subpart 53-2: Disclosure Requirements |
74 |
|
Subpart 53-3: Life Illustrations and Reports |
74 |
54 |
Variable Life Insurance |
77 |
55 |
Notice to Employees Concerning Termination of Group and Health Insurance Policies |
78 |
56 |
Health Insurance Claims Processing and Procedures |
183 |
57 |
Smoker/Nonsmoker Mortality Tables and Underwriting Classifications |
113 |
58 |
Minimum Standards for Form, Content and Sale of Medicare Supplement and Medicare Select Insurance, Including Standards of Full and Fair Disclosure |
193 |
59 |
Minimum Standards for the Form, Content and Sale of Group and Blanket Insurance Certificates Deemed to Have Been Delivered in this State Pursuant to Section 3201(b) of the Insurance Law |
123 |
B. Property and Casualty Insurance |
||
60 |
Minimum Provisions for Automobile Liability Insurance Policies and Supplementary Uninsured Motorists Insurance |
35-A, 35-D & 35-E |
|
Subpart 60-1: Minimum Provisions for Automobile Liability Insurance Policies |
35-A |
|
Subpart 60-2: Supplementary Underinsured/Uninsured Motorists Insurance |
35-D |
|
Subpart 60-3: Transportation Network Companies; Minimum Provisions for Policies and Other Requirements |
35-E |
61 |
Assessment Corporations |
23 |
62 |
Fire Insurance |
21 & 96 |
|
Subpart 62-1: Renewal Certificates for Fire Insurance |
21 & 96 |
|
Subpart 62-2: Reports to Central Organization |
21 & 96 |
|
Subpart 62-3: Standard Fire Claim Form |
21 & 96 |
|
Subpart 62-4: Anti-Arson Application |
21 & 96 |
|
Subpart 62-5: Supplemental Fire Claim Form |
21 & 96 |
63 |
Reserve Requirements for Financial Guaranty Insurance In-Force Prior to the Effective Dale of Article 69 of the Insurance Law |
61 |
64 |
Liability Insurance Covering Snowmobiles and All-Terrain Vehicles |
35-B & 35-C |
|
Subpart 64-1: Liability Insurance Covering Snowmobiles |
35-B |
|
Subpart 64-2: Liability Insurance Covering All-Terrain Vehicles |
35-C |
65 |
Regulations Implementing the Comprehensive Motor Vehicle Insurance Reparations Act |
68 |
|
Subpart 65-1: Prescribed Policy Endorsements |
68-A |
|
Subpart 65-2: Rights and Liabilities of Self-Insurers |
68-B |
|
Subpart 65-3: Claims for Personal Injury Protection Benefits |
68-C |
|
Subpart 65-4: Arbitration |
68-D |
|
Subpart 65-5: Unauthorized Providers of Health Services |
68-E |
66 |
Surety Bond Forms—Waiver of the Filing and Prior Approval Requirements of Section 2307 of the Insurance Law |
76 |
67 |
Mandatory Underwriting Inspection Requirements for Private Passenger Automobiles |
79 |
68 |
Charges for Professional Health Services |
83 |
69 |
Mortgage Pool Insurance |
91 |
70 |
Medical Malpractice Insurance Rate Modifications, Provisional Rates, Required Policy Provisions and Availability of Additional Coverages |
101 |
71 |
Legal Defense Costs in Liability Policies |
107 |
72 |
Indemnification of Directors and Officers |
110 |
73 |
Claims-Made Policies; Scope of Application; Minimum Standards |
121 |
74 |
Homeowners Insurance Disclosure Information and Other Notices |
159 |
75 |
Standards for Insurance that Qualifies for the Environmental Remediation Insurance Tax Credit |
181 |
CH. IV. FINANCIAL CONDITION OF INSURER AND REPORTS TO SUPERINTENDENT |
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Rules of General Application |
||
76 |
Commercial Crime Coverage Exclusions |
209 |
77 |
Risk-Based Capital |
220 |
78 |
Evaluation of Subsidiaries of Insurance Companies |
59 |
79 |
Letters of Credit |
133 |
80 |
Controlled Insurers |
52 |
|
Subpart 80-1: Holding Companies |
52 |
|
Subpart 80-2: Minimum Standards for Producer-Controlled Insurers and Controlling Producers; Disclosure Requirements for Certain Other Producers |
52 |
81 |
Subsidiaries of Insurance Companies |
53 & 115 |
|
Subpart 81-1: Subsidiaries of Insurance Companies Subject to the Provisions of Section 1403(c) of the Insurance Law |
53 |
|
Subpart 81-2: Subsidiaries of Life Insurance Companies, Retirement Systems and Article 43 Corporations |
115 |
82 |
Enterprise Risk Management and Own Risk and Solvency Assessment; Group-Wide Supervision |
203 |
83 |
Financial Statement Filings and Accounting Practices and Procedures |
172 |
84 |
Reporting of Financial Condition Under Generally Accepted Accounting Principles |
69 |
85 |
Allowance of Aircraft as an Admitted Asset |
80 |
86 |
Reports of Suspected Insurance Frauds to Criminal Investigations Unit; Required Warning Statements |
95 |
87 |
Insurer Name Approval |
104 |
88 |
Requirements of or Plan of Authorized Insurer Proposing to Cease to Maintain or Change its Existing Licensing Status in this State |
109 |
89 |
Audited Financial Statements |
118 |
90 |
Corporate Governance |
215 |
Life Insurers |
||
91 |
Allocation of Income (Receipts) and Expenses |
33 |
92 |
Valuation of Policies and Annuities |
11 |
93 |
Aircraft Reinsurance by Life Insurers |
63 |
94 |
Valuation of Individual and Group Accident and Health Insurance Reserves |
56 |
95 |
Regulations Governing an Actuarial Opinion and Memorandum |
126 |
96 |
Surplus Management Account |
138 |
97 |
Market Value Separate Accounts Funding Guaranteed Benefits; Separate Accounts Operations and Reserve Requirements |
128 |
98 |
Valuation of Life Insurance Reserves |
147 |
99 |
Valuation of Annuity, Single Premium Life Insurance, Guaranteed Interest Contract and Other Deposit Reserves |
151 |
100 |
Recognition of the 2001 CSO Mortality Table and the 2017 CSO Mortality Table for use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits and Recognition and Application of Preferred Mortality Tables for use in Determining Minimum Reserve Liabilities |
179 |
101 |
Standards for Financial Risk Transfer between Insurers and Health Care Providers |
164 |
102 |
Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values for Preneed Life Insurance |
192 |
103 |
Principle-Based Reserving |
213 |
C. Fire, Marine, Casualty and Surety Insurers |
||
105 |
Operating Expense Classification for Annual Statement Purposes |
30 |
106 |
Allocation of Joint Expenses to Companies |
30 |
107 |
Composition of, and Allocation to, Expense Groups |
30 |
108 |
Allocation to Lines of Business |
30 |
109 |
Allocation of Salaries and Other Expenses |
30 |
110 |
Installment Premiums |
13-A |
111 |
Statement of Actuarial Opinion and Actuarial Opinion Summary for Property/Casualty Insurers |
207 |
112 |
Loss Portfolio Transfers |
108 |
D. Reinsurance |
||
125 |
Credit for Reinsurance |
17, 20 & 20-A |
126 |
Trust Agreements |
114 |
127 |
Reinsurance Transactions by Authorized Life Insurers and Certain Other Authorized Insurers |
102 |
128 |
Commutation of Reinsurance Agreements |
141 |
E. Property/Casualty Insurance Security Fund |
||
130 |
Property/Casualty Insurance Security Fund; Contributions to Fund and Applicability of Income of Fund |
55 |
F. Public Retirement Systems |
||
136 |
Public Retirement Systems |
85 |
|
Subpart 136-1: Standards for Certain Actuarially Funded Public Retirement System |
85 |
|
Subpart 136-2: Standards for the New York State and Local Employees' Retirement System, the New York State and Local Police and Fire Retirement System and the New York State Common Retirement Fund |
85 |
CH. V. RATES AND RATING ORGANIZATIONS |
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A. Automobile Statistical Plan |
||
140 |
Private Passenger Automobile and Commercial Automobile Statistical Plans |
32-A |
145 |
Implementation of Private Passenger Automobile Insurance Statistical Data Monitoring System |
103 |
B. Commercial and Industrial Risks |
||
151 |
Workers’ Compensation Insurance |
119 |
|
Subpart 151-1: Rate Filings Prior Approval |
119 |
|
Subpart 151-2: Industry Standard Rate for Aggregate Trust Fund |
119 |
|
ubpart 151-3: Workplace Safety and Loss Prevention Incentive Program |
119 |
|
Subpart 151-4: Reserves for Special Disability Fund Claims |
119 |
|
Subpart 151-5: Independent Livery Driver Benefit Fund |
119 |
|
Subpart 151-6: Workers’ Compensation Insurance Assessments |
119 |
|
Subpart 151-7: Workers’ Compensation Safe Patient Handling Program |
119 |
152 |
Physicians and Surgeons Professional Insurance Merit Rating Plan |
124 |
153 |
Property/Casualty Insurance Group and Quasi-Group Standards |
135 |
154 |
Private Passenger Motor Vehicle Insurance Multi-Tier Programs |
150 |
D. Rate Regulation and Promotion of Competition |
||
160 |
Responsibilities in Construction and Application of Rates |
57 |
161 |
Flexible-Rating System; Rating Plans; Tort Reform Refiling Requirements |
129 |
163 |
Flexible Rating for Nonbusiness Automobile Insurance Policies |
153 |
E. Methodologies for Measuring the Profitability of Property and Liability Insurance Lines |
||
165 |
Methodologies for Measuring the Profitability of Property and Liability Insurance Lines Written in New York State |
70 |
F. Treatment of Excess Profits in Motor Vehicle Insurance |
||
166 |
Treatment of Excess Profits in Motor Vehicle Insurance |
105 |
|
Subpart 166-1: General Rules |
105 |
|
Subpart 166-2: Discussion of General Rules |
105 |
G. Noncommercial Automobile Insurance Rates for Inexperienced Operators |
||
168 |
Noncommercial Private Passenger Automobile Insurance Rates for Inexperienced Principal Operators |
92 |
H. Noncommercial Insurance Merit Rating Plans |
||
169 |
Noncommercial Motor Vehicle Insurance Merit Rating Plans |
100 |
CH. VI. AUTHORIZED INVESTMENTS |
||
171 |
Investment in Stock of Federal National Mortgage Association by Title Insurance Corporations |
37 |
172 |
Fraternal Benefit Societies: Investment in Real Estate |
12 |
173 |
Revenue Bonds |
31 |
176 |
Investments in "Medium Grade" and "Lower Grade" Obligations by Domestic Life Insurers |
130 |
178 |
Derivative Transactions |
163 |
CH. VII. CREDIT AND CREDITOR INSURANCE |
||
185 |
Credit Life Insurance and Credit Accident and Health Insurance |
27-A |
186 |
Insurance Covering Debtors or Personal Property Purchased on Installment or Deferred Payment Plans |
27-B |
187 |
Credit Unemployment Insurance |
27-C |
CH. VIII. EMPLOYEE WELFARE FUNDS |
||
200 |
Annual Reports |
36 |
201 |
Notice of Changes Affecting Employee Welfare Funds |
38 |
202 |
Compensation to Agents and Fees or Other Allowances Payable for Individual Life Insurance Issued on a Mass Merchandising Basis Under Plans Sponsored by Union-Management Welfare Funds |
65 |
CH. IX. UNFAIR TRADE PRACTICES |
||
215 |
Advertisements of Accident and Health Insurance |
34 |
216 |
Unfair Claims Settlement Practices and Claim Cost Control Measures |
64 |
217 |
Processing of Health Insurance Claims |
178 |
218 |
Prohibition Against Geographical Redlining and Discriminating in Certain Property/Casualty Policies |
90 |
219 |
Rules Governing Advertisements of Life Insurance and Annuity Contracts |
34-A |
220 |
Holocaust Victims Insurance Claims and Reports |
160 |
221 |
Limitations Upon and Requirements for the Use of Credit Information for Personal Lines Insurance |
182 |
223 |
Insurance Sales Practices on Military Installations or Involving Military Personnel |
186 |
224 |
Suitability in Annuity Transactions |
187 |
225 |
Use of Senior-Specific Certifications and Professional Designations in the Sale of Life Insurance and Annuities |
199 |
226 |
200 |
|
227 |
Regulation of Force-Placed Insurance |
202 |
230 |
Mental Health and Substance Abuse Disorder Parity Compliance Program |
218 |
CH. X. RECORDS |
||
240 |
Confidentiality of Information Furnished by Social Services Agencies |
106 |
242 |
Access to Personal Information |
116 |
243 |
Standards of Records Retention by Insurance Companies |
152 |
244 |
Confidentiality Protocols for Victims of Domestic Violence and Endangered Individuals |
168 |
CH. XI. PREPAID LEGAL SERVICES PLANS AND LEGAL SERVICES INSURANCE |
||
261 |
Prepaid Legal Services Plans |
161 |
262 |
Legal Services Insurance |
162 |
CH. XII. GROUP PROPERTY/CASUALTY INSURANCE |
||
301 |
Purchasing Groups |
134 |
310 |
Product or System Group Insurance Policies |
167 |
CH. XIII. CONTINUING CARE RETIREMENT COMMUNITIES |
||
350 |
Continuing Care Retirement Communities |
140 |
CH. XIV. INDIVIDUAL AND SMALL GROUP HEALTH INSURANCE AND FAMILY LEAVE BENEFITS COVERAGE |
||
360 |
Rules to Assure an Orderly Implementation and Ongoing Operation of Open Enrollment and Community Rating of Individual and Small Group Health Insurance |
145 |
361 |
Establishment and Operation of Market Stabilization Mechanisms for Certain Health Insurance Markets |
146 |
362 |
The Healthy New York Program and the Direct Payment Stop Loss Relief Program |
171 |
|
Subpart 362-1: Preamble |
171 |
|
Subpart 362-2: Rules Generally Applicable to the Healthy New York Program |
171 |
|
Subpart 362-3: Rules Relating to Small Employer Participation (Other Than Individual Proprietors) |
171 |
|
Subpart 362-4: Rules Relating to Working Uninsured Individuals and Individual Proprietor Participation |
171 |
|
Subpart 362-5: Rules Relating to the Direct Payment Market Stop Loss Relief Program and State Funded Stop Loss Relief for the Healthy New York Program |
171 |
363 |
Minimum Standards for the Form and Rating of Family Leave Benefits Coverage, Including the Establishment and Operation of a Risk Adjustment Mechanism |
211 |
364 |
Paid Family Leave Risk Adjustment Fund |
214 |
365 |
Paid Family Leave COVID-19 Risk Adjustment Mechanism |
217 |
CH. XV. LIFE SETTLEMENTS |
||
380 |
Viatical Settlements |
148 |
381 |
Life Settlements |
198 |
CH. XVI. SERVICE CONTRACTS |
||
390 |
Service Contracts |
155 |
CH. XVII. CERTIFIED CAPITAL COMPANIES UNDER SECTION 11 OF THE TAX LAW |
||
400 |
Certified Capital Companies Under Section 11 of the Tax Law |
156 |
CH. XVIII. EXTERNAL APPEALS OF ADVERSE DETERMINATIONS OF HEALTH CARE PLANS |
||
410 |
External Appeals of Adverse Determinations of Health Care Plans |
166 |
CH. XIX. PRIVACY OF CONSUMER FINANCIAL AND HEALTH INFORMATION |
||
420 |
Privacy of Consumer Financial and Health Information |
169 |
421 |
Standards for Safeguarding Customer Information |
173 |
CH. XX. MEDICAL MALPRACTICE RESIDUAL MARKET |
||
430 |
Mechanism for the Equitable Distribution of Insureds Unable to Obtain Medical Malpractice Insurance |
170 |
CH. XXII. OFFICE OF PHARMACY BENEFITS |
||
450 |
Office of Pharmacy Benefits |
219 |
451 |
Registration of Pharmacy Benefit Managers |
221 |
452 |
General Duties, Accountability, and transparency provisions for Pharmacy Benefit Managers |
222 |