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Insurance Division Bulletin INS 2003-2

DATE: March 10, 2003


TO:
All Insurers


RE:
Reducing Regulatory Burden




The purpose of this bulletin is to reduce the regulatory burden imposed by the Oregon Insurance Division. In order to reduce the regulatory burden, the Insurance Division is withdrawing the following bulletins. To make the list easy to read, all bulletins that are withdrawn are set forth, even if they have been previously withdrawn. At the end of the listing of withdrawn bulletins is the list of bulletins that are still effective and not withdrawn. The Division's website, "oregoninsurance.org," will have a listing of all bulletins and indicate whether or not they have been withdrawn. Click on "Laws, Rules & Bulletins."


The following bulletins are withdrawn:

1

Agents of Surety and Casualty

2

Emergency Revenue Tax Law

3

Limited Accident Policies

4

Hail Insurance

5

German Companies

6

Increase Value and Coinsurance in Fire Policies

7

Rubber Stamp Signatures

8

Automobile Insurance

9

Annual Reports/ Convention Forms

10

No Commission May be Paid on Exchange of Business Between Oregon and Washington Agents

11

Automobile and Marine Agents

12

Errors in Daily Reports

13

No Copy – Not Issued on Account of Number

14

Confiscation Clause in Oregon

15

Rating Schedules and Policy Forms

16

Fire Marshal Tax

17

Confiscation Coverage

18

Responsibility of Fire Insurance Agents

19

Agents Writing Automobile Insurance

20

All Fire Insurance Agents

21

Notice to Fraternal Agents

22

Insurance as Collateral for Loans Granted by World War Veterans State Aid Commission

23

Oregon Insurance Rating Bureau

24

Special Automobile Accident Policy

25

Confiscation Coverage Not Permitted

25

Defining Marine Insurance

26

Regarding Publication of Annual Statements

28

Conditional Sale Contracts "Master Policy"

29

Agents Licenses

30

Binder Without Cost

31

Mail Order Insurance

32

Bankruptcy Clause

33

Credits and Cancellation Notices

34

No Solicitation by Agents Before Licensed

35

Accident and Health Policies Non-cancellation

36

Cancellation Notice – Return Premium

37

Filing New Agent Qualification Report

38

Binders

39

Surplus Lines Agents

40

Publication of Annual Statements

41

Definition and Interpretation

42

Amending Nationwide Definition

43

Nationwide Marine Definition

44

Combining Coverages – Dwelling

45

Inland Marine

46

Withdrawn

47

Title Insurance Companies

48

Fire Insurance Companies

49

Surplus Line Agents

50

Accident and Health Insurance

51

Withdrawn

52

Withdrawn

53

Withdrawn

54

Auto Association Membership Card as Security for Bail

55

Mortality Tables

56

Life and Health Insurance Form Filing Procedure Changes

57

Misuse of Fire Protection Endorsement Prohibited

58

Use of OLUA Agent Manual to Study for Agent Exam

59

Insurers Should Send Entire Fire Policy to Loss Payee

60

Credit Life and Insurance Commissions

61

Offset for Collateral Benefits and Medial Payments under Uninsured Motorist Insurance

63

Credit Life and Health Insurance Report on Creditors

64

Property and Casualty Rates Required to be Filed Before Use

70-1

Billing Practices of University of Oregon Medical School

70-2

Insurer to Identify Contact Person

70-3

Insurer Appointment Renewal Procedure Changes

71-1

Health Insurance ads with Application. See OAR 836-20-285

71-2

Bulletin 71-1 Clarified

71-3

Unsigned Health Insurance Riders Prohibited

71-4

PIP Law Applies Prospectively

71-5

Compensation of Unlicensed Persons

72-1

Health Insurance May Not Discriminate Against Government Hospitals

72-2

Survey of Information Regarding Disability Insurance on Females

72-3

Use of Vague Certificates of Insurance Cautioned

72-4

Supercedes Bulletin 72-1

72-5

Title Insurers Must File Their Escrow Rates

72-6

Mortgage Insurance Filings with 10% Option to Be Withdrawn

72-7

Insurer to Identify Contact Person. Updates Bulletin 70-2

72-8

Property and Casualty Insurance May not Use Unfiled Rate Reductions to Groups

72-9

Health Insurance Ads Not to Be Placed Until New Rules Adopted

73-1

Health Insurance Must Include Summary for All Policies

73-2

Summary of 1973 Insurance-related Legislation

73-3

Car Pooling Is Not Use of an Auto for Hire in Auto Insurance

74-1

Insurers to Advise Insured of Availability of Flood Insurance

74-2

Health Insurance to Report Claim Experience for Medicare Supplement, etc.

74-3

Life and Health Insurance Form Filing Procedure Changes

74-4

Credit Life and Health Insurance Does Not Apply to Credit Transactions Over 10 Years

74-5

Insurers Must Post Security as Bail for Insured in Portland

74-6

Title Insurance May Not Give Comparable Sales Data

74-7

RVs, Vans and Campers Are Private Autos under PIP

75-1

Health Insurance Must Return Unearned Premium After Death

75-2

Annuity Guarantee of Excessive Interest Rates Prohibited

75-3

Insurer to Identify Contact Person. Update of Bulletin 72-7.

75-4

Financial Responsibility Law Limits Increased to 15/30

75-5

Survey of Property and Casualty Insurance Regarding "Participating" Policies

76-1

Notice of Oregon Life and Health Insurance Guaranty Association Organizational Meeting

76-2

Life and Health Insurers to File Rates Used and Certain Information with Forms

76-3

Auto Insurance Surcharge for Open Container Law Violation

76-4

Title Companies Warned Not to Provide Free Escrow Services

76-5

Group Health Insurance Must Cover Treatment for Alcoholism

77-1

Clerical Employees of Unlicensed Bank Exempt from Licensing Requirement

77-2

Auto Insurers to Tell Insured of Rights and Duties Regarding Claims

77-3

Agent Requested to Submit Information for Continuing Education

78-1

Title Companies Warned Not to Help Qualifying Subdivisions

78-2

Credit Cards May Be Used If . . . Bulletin 62 rescinded

78-3

Agent Must Pay All Credit Life and Health Insurance Premiums to Insurer

79-1

Title Companies Warned Not to Give Free Listing Packets

81-1

Title Companies Warned Not to Give Discounted Escrow Services

82-1

Title Companies Warned Not to Give Discounted Escrow Services

82-2

Workers' Compensation Insurance to File Rate Plans Without Employer Assessments

82-3

Property and Casualty Insurers to File Rate Statistics to Justify Schedule Rating Plans

82-5

Guidelines for Reviewing Workers' Compensation Insurance Rates and Forms

83-1

Bulletin 77-1 Rescinded

83-2

Auto Insurance Blanket Driver Exclusions Prohibited

83-3

Bulletin 82-5 Rescinded and Insurers to Use NCCI Standard Classes

83-4

Life and Health Insurance Form Filing Procedure Changes

85-1

Agents Warned Not to Misrepresent Who They Represent

85-2

Guidelines for Reviewing Annuity Rates and Forms

85-3

Property and Casualty Insurers Warned Not to Unreasonably Cancel Policy Mid-term

85-4

Health Insurers Warned to Distribute Medicare Supplement Insurance Information

85-5

Bulletin 85-2 Clarified

85-6

Agent Service Fees Generally Prohibited; Exceptions

85-7

Medical Malpractice Insurance Claims Are Confidential

85-8 Filing procedures for Medicare supplement fact sheets

85-9

Guidelines for Filing Medicare Supplement Insurance Fact Sheet

86-1

Agents Notified of New Insurance Consultant's License

86-2 Never Issued

86-4

Title Companies Warned Not to Give Discounted Escrow Service

86-5

Surety Insurers Not Required to File Power of Attorney with Insurance Division

86-6

Health Insurers to Use Approved Medicare Supplement Insurance Fact Sheet

86-7

Health Insurers Informed of COB Order of Benefit Determination

86-8

Mortgage Insurance on Second or Subsequent Mortgages Prohibited

87-1

Auto Insurer's Use of Driving Records Limited

87-2

Insurers to Report Medical Malpractice Claims to Licensing Board

87-4

Driver Convicted of DUII to File SR-22 with Higher Limits

87-5

Summary of 1987 Insurance-related Legislation

87-6

Bulletin 86-8 Rescinded

87-7

Health Insurance Warned to Pay Claims in 20 Working Days

87-8

Bulletin 85-2 and 85-5 Modified

87-9

Property and Casualty Insurance Must Report Loss and Expense Experience in State

88-1

Explains New Temporary Rules Relating to HIV

88-2

Insurers Must Offer Long Term Care Without Prior Hospital Care Requirements

88-3

Explains HB 2594 Regarding IPGB and Tax Credit to Small Employers Who Buy Insurance

88-4

Title Insurance and Agents Warned Not to Engage in Certain Conduct

88-5

Explains Group Health Insurance Chemical Depend and Mental Health Benefit

88-6

Explains Workers Compensation Premium Audit Program

88-7 Medicare Catastrophic Coverage Act of 1988
89-1 Never Issued

89-2

Workers Compensation Insurance Requested to File Rate Filing Information

89-3

Summary of 1989 Insurance Related Legislation

89-4

Explains New Laws Regarding Sale of Life and Health Insurance by Trusts and Associations

89-5

Standard Fire Policy Must Give 30-day Cancel Notice for Nonpayment

90-1

Notifies Insurers of New Long Term Care Insurance Act

90-2

Credit Insurance May Underwrite If Ask One Question and Lower Rates

90-3

Health Insurance Notified of Amendments to Medicare Supplement. Rules

90-4

Insurers Notified to File Rates Based on Prospective Loss Costs

90-5

Insurers Must Give Discount When Person Finishes Safe Driver Course

90-7

Sample Notice of Oregon Medical Insurance Pool

90-8

Withdraws Bulletin 90-2 Limiting Credit Life and Health Compensation

91-1

Insurance Division Will Not Keep Copies of Most Filings After Approval

91-2

Explains Form Filing Required for Storage Tank Financial Assistance System

91-3

Health Insurance Notified of Law Requiring Adopted Child Be Covered

91-4

Explains New Credit Life and Health Insurance Rules

91-5

Insurers May Not Require Physicians, DEA Numbers on Uniform Claim Form

92-1

Explains SEHI Laws (SB 1076)

92-2

Insurers Requested to Answer Mandated Benefit Survey. Bulletin 90-6

92-4

All Classes of Insurance Form and Rate Filing Procedure Changes

93-1

Explains SEHI Laws (SB 1076) and Survey of SEHI Plans

93-2

New Sample Notice of Oregon Medical Insurance Pool

93-3

Approved Anti-direction of Work Notice with Auto Policy

93-4

Adoption of Certain NAIC Standards, Procedures and Publications

93-5

Explains Recent Changes in Medicare Supplement Insurance Laws

93-6

Summary of 1993 Insurance-related Legislation

93-7

Explains Recent Changes in SEHI Laws

94-3

Property and Casualty Insurance Must Use Correct Fire Protection Classification

94-5 Marketing and Issuance of Individual Health Policies to Small Employer Groups

94-6

Insurers May Offer Automatic Claim Filing (ACF) Services

95-1

Summary of 1995 Insurance-related Legislation

95-2

1996 Changes to Prima Facie Premium Rates for Credit Life and Credit Health

95-3

Guidelines for Filing General Group Major Medical and SEHI Policies

95-5

Explanation of Women's Health Benefits under ORS 743.728

96-6

Health Benefit Reform Enacted by 1995 Legislature (SB152)

96-7

Application of NAIC Manuals and Other Publications

97-1

Life and Health Insurance Advertising Procedures

97-2

Answers to Questions About Association Health Plans

97-3

Summary of Health Insurance Reforms in SB 98 (1997)

97-4

Summary of 1997 Insurance-related Legislation

97-5

Loss and Expense, Liquor Liability and Professional Negligence Claim Reports Not Required

98-2

Changes in ORS 731.036 Regarding Self-insured Health Plans of Local Governments

98-4

Application of NAIC Manuals and Other Publications

98-6

Annual Reporting of Grievances under SB 21 (1997)

99-2

Annual Reporting on Quality Assessment under SB 21 (1997)

99-3

Annual Reporting on Utilization Review under SB 21 (1997)

99-4

Annual Reporting on Scope of Work under SB 21 (1997)

99-6

Summary of 1999 Insurance-related Legislation

99-7

Notice About Recent Long Term Care Insurance Marketing Legislation

2000-1

Changes in Prima Facie Rates for Credit Life and Health Insurance

2000-3

Changes in Prima Facie Rates for Credit Life and Health Insurance

2000-4

Policy Provision Regarding Mortgage Interest

2001-3

Withdrawal of Bulletin 94-3

2001-5

2001 Oregon Legislation Affecting Insurance -- sunset 1/1/2003

2001-7

Withdrawal of Bulletins 98-6, 99-2, 99-3, 99-4

2001-8

Withdrawal of Bulletins 85-2 and 85-5

2001-10

Voluntary Expedited Filing Procedures for Exclusions Related to Acts of Terrorism

2002-2

General Filing Instructions for Filing Policy Forms and Rates

2002-5

Sale of Individual Health Benefit Plans in the Small Employer Market (issued 9/26/02)

2002-6

Filing Procedures for Exclusions Related to Acts of Terrorism.


The following bulletins are still effective:

70-4

Reinsurance of Title Insurance

82-4

Schedule Rating Plans (Individual Risk Rating)

86-3

Filing and Use of Rates

90-6

Benefits for Chemical Dependency and Mental and Nervous Conditions; and Discrimination Among Providers

92-3

Marketing Practices for Paying Commissions

92-5

Rate Filing Procedures for Workers' Compensation Insurance

94-1

Blanket Insurance

94-2

Title Insurance May Not Use Schedule B to Add Coverage

94-4

Creditor's Rights Coverage

94-5

Marketing and Issuance of Individual Health Policies to Small Employer Groups

95-4 Deferred Charitable Gift Annuities

96-2

Application of the Insurance Code to Health Benefit Arrangements that Include Provider Risk Sharing

96-3

Charitable Gift Annuities

96-4

Contents Corporate Minutes

96-5

Use of Corporate and Assumed Business Names by Insurers

97-6

Elimination of Premium Tax on Life Insurance and Annuities

98-1

Reductions of Refinance Escrow Rates to Induce Title Insurance Business

98-3

Filing Requirements for Health Insurance Policy Forms, per ORS 742.003;.Applicability of Negotiated Policy Exception

98-5

Use of a Fraud Warning

99-5

Addendum to Bulletin INS 97-6 – Life Insurance and Annuity Provisions Relating to Payment of Taxes

2000-2

Advertisement Filing Procedures

2001-1

OAR 836-080-0240 – Standards for Prompt & Fair Settlement – Automobile Insurance

2001-2

Application of NAIC Manuals and Other Publications

2001-4

Voluntary Expedited Filing Procedures for Insurance Applications Developed to Allow Depository Institutions to Meet Their Disclosure Obligations under Section 305 of the Gramm-Leach-Bliley Act

2001-6

Standard Limits of Liability for Oregon Workers' Compensation Policies

2002-1

No Policy Changes Required by 2001 Amendment to ORS 743.186(1)(A)

2002-3

USA Patriot Act of 2001

2002-4

General Filing instructions for filing policy forms & rates

2002-5

Sale of individual health benefit plans in the small employer market (Revised 2/20/03)

2002-7

Voluntary Expedited Filing Procedures for Compliance with the Provisions of the Terrorism Risk Insurance Act of 2002.

2003-1

Annual Reporting Procedures for Patient Protection Act (PPA) also known as Senate Bill 21 (SB21)

Signed this 10th day of March, 2003.

_______(signed)_______
Joel Ario

Insurance Administrator

 

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