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Insurance Regulations by NYCRR Part Number

Part No. Part NYSID Reg. No.
CH. I . GENERAL PROVISIONS
1

Definitions

1
2

Promulgation of Regulations; Opinions

1
3

Election of Directors in Domestic Life Insurance Companies

14-A
4

Rules governing the Procedures for Adjudicatory Proceedings before the Department of Financial Services

3, 97
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.

** Note the subparts in the three rows below. **

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 Bond 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
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** Note the Subparts in the two rows below. **

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** Note the Subparts in the three rows below. **

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 Procedure

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

** Note the Subparts in the three rows below. **

35-A, 35-D & 35-E
 

Subpart 60-1: Minimum Provisions for Automobile Liability Insurance

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

** Note the Subparts in the five rows below. **

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

** Note the Subparts in the two rows below. **

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

** Note the Subparts in the five rows below. **

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
A. Rules of General Application
76

Commercial Crime Coverage Exclusions

209
78

Evaluation of Subsidiaries of Insurance Companies

59
79

Letters of Credit

133
80

Controlled Insurers

** Note the Subparts in the two rows below. **

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

** Note the Subparts in the two rows below. **

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

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
B. 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 ** Note the Subparts in the two rows below. **

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
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 ** Note the Subparts in the seven rows below. **

119
 

Subpart 151-1: Rate Filings Prior Approval

119
 

Subpart 151-2: Industry Standard Rate for Aggregate Trust Fund

119
 

Subpart 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

Note the Subparts in the two rows below.

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

Advertisement 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

Unclaimed Life Insurance Benefits and Policy Identification

200
227

Regulation of Force-Placed Insurance

202
CH. X. RECORDS
240

Confidentiality of Information Furnished by Social Services Agencies

106
241

Availability of Department Records

71
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

** Note the Subparts in the five rows below. **

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
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