Selected Opinions of The Office of General Counsel For The Year of 2005

The selected opinions are listed in the table below in Opinion Number order.
There are three columns. The column headings are Opinion Number, Subject and Date Issued.
The Opinion Number represents the year, the month, and then the order posted. For example, in 06-04-15 the "06" represents 2006, the "04" represents April, and the "15" refers to the 15th opinion for April 2006. Opinions within a particular month are not necessarily in chronological order.
Each opinion title under Subject is a link to the actual opinion.
Date Issued is displayed in mm/dd/yyyy format.
You can "jump" to a particular month using the month navigation link set after (below) this sentence.

Opinion Number	Subject	Date Issued
05-01-01	Department Approval of Consulting Agreement between Domestic Property/Casualty Insurer and Unaffiliated Entity	01/04/2005
05-01-02	Force Place Insurance for Office Equipment	01/05/2005
05-01-03	Insurance Consulting	01/07/2005
05-01-04	Interest on Life Claim Payments	01/07/2005
05-01-05	Insurance agent and broker license number on quotation and/or other correspondence	01/11/2005
05-01-06	Exemption from Property and Casualty Broker's Course for Individuals with CPCU Designation	01/12/2005
05-01-07	Accident & Health Benefits, Multiple Employer Welfare Arrangement (MEWA)	01/13/2005
05-01-09	Third Party Administrator Licensing as an Independent Adjuster for Employee Funded Flexible Spending Accounts or Cafeteria Plans	01/14/2005
05-01-10	Contract Language Regarding Insurance Coverage	01/14/2005
05-01-11	Fronting Question Presented	01/14/2005
05-01-12	Exemption from license as independent adjuster for adjustment bureau	01/18/2005
05-01-13	Automobile Insurance Coverage for Loading and Unloading of Persons Being Transported by an Ambulance	01/18/2005
05-01-14	N.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 Choice	01/20/2005
05-01-15	Health Insurance, Domestic Partners	01/20/2005
05-01-16	Incentive Bonuses for Unlicensed Employees of a Licensed Broker or Agent for the Sale of Insurance Products	01/20/2005
05-01-17	No exemptions from requirement of licensing	01/20/2005
05-01-18	Credit insurance sales and marketing by bank	01/28/2005
05-01-19	Death Benefits, Self Funding	01/31/2005
05-01-20	Time Limit for Request of Reimbursement on Overpayment	01/31/2005
05-01-21	Licensing of Medicare Advantage Sales Representatives As Insurance Agents	01/06/2005

05-02-01	The Provision for Other Expenses under the New York Prescribed No-Fault Endorsement's Basic Economic Loss Section	02/02/2005
05-02-02	Agent Liability for Acts of Agent Employed as Independent Contractor	02/02/2005
05-02-03	ABC Deductible Insurance Program	02/02/2005
05-02-04	Commission Added to Ocean Marine Premium	02/03/2005
05-02-05	Fraud Warning	02/03/2005
05-02-06	Broker commission	02/03/2005
05-02-07	Monitoring and Limitation Expense Under N.Y. Ins. Law 4228	02/03/2005
05-02-08	Tire Road Hazard Program	02/03/2005
05-02-09	Insurer Prohibiting Collection of Premium by Agent from Policyholder	02/03/2005
05-02-10	Commission Sharing Between Agents and Brokers Not Permitted Where the Referring Agent is Not a Licensed Agent of the Insurer That Writes Policy	02/04/2005
05-02-11	Payment of Premium as of Postmarked Date	02/07/2005
05-02-12	Auto Dealers/Gap and Credit insurance	02/07/2005
05-02-13	Health Insurance, Medicare Eligible Individuals, Premium Reduction	02/08/2005
05-02-14	Mid-term premium increase/cancellation on commercial insurance policies	02/08/2005
05-02-15	Countersignature on Insurance Policy	02/08/2005
05-02-16	Revocable Contingent Assignment of Death Benefits Under a Life Insurance Policy to a Specific Funeral Home	02/09/2005
05-02-17	Permissibility of Issuing an Insurance Agent's License to an Individual with a Misdemeanor Conviction	02/09/2005
05-02-18	Reservation of Rights Letter	02/10/2005
05-02-19	Payment of Premium to Insurer Agent or Broker as of Postmarked Date	02/11/2005
05-02-20	Issuance of Binding Arbitration Endorsement	02/11/2005
05-02-21	No-Fault Benefits Cutoff Date After Negative IME Finding	02/14/2005
05-02-22	Agent Paying Premium for Group Insurance	02/15/2005
05-02-23	Insurer Communicating Directly with Third-Party Claimant Represented by Counsel	02/18/2005
05-02-24	Employment Agreement and N.Y. Ins. Law 4312	02/18/2005
05-02-25	Coverage by the Life Insurance Company Guaranty Corporation of New York	02/23/2005
05-02-26	Internet Sales by Insurers	02/23/2005
05-02-27	Agent/Broker Licensing and Commission Sharing	02/23/2005
05-02-28	Notice of Termination Typeface under Section 313(1)(a) of the Vehicle and Traffic Law	02/24/2005
05-02-29	Licensing of Foreign Health Maintenance Organization's (HMO's) in New York	02/24/2005
05-02-30	Agency Termination	02/28/2005
05-02-31	Surety Bond Issued Out of State	02/28/2005
05-02-32	Rebates and Unfair Competition	02/23/2005

05-03-01	Permissibility of Title Agent's Decision to Eliminate Certain Discretionary Fees it Customarily Charged its Applicants for Insurance	03/02/2005
05-03-02	Group Health Insurance/Employee Waiver of Coverage	03/07/2005
05-03-03	Sharing Commissions' Limited Liability Company	03/08/2005
05-03-04	Utilization Review Agents, Licensure as Independent Adjusters	03/09/2005
05-03-05	Permissibility of Joint Venture Title Agent Proposal	03/10/2005
05-03-06	Premium Finance Agreement	03/10/2005
05-03-07	Custodians for Insurance Company Assets	03/10/2005
05-03-08	Termination of Property and Casualty Personal Lines Insurance Agents and Brokers	03/10/2005
05-03-09	Licensing requirement for employees of independent adjuster	03/11/2005
05-03-10	Compensation to non-licensed party subsequent to referral	03/11/2005
05-03-11	Requirement of Submission of Additional Application (NF-2) for No-Fault Benefits by Insurer	03/15/2005
05-03-12	Prospective Denial of Health Insurance Coverage & Article 49 of the Public Health Law	03/16/2005
05-03-13	Licensing Requirement for Risk Management Consultant	03/17/2005
05-03-14	Warranty On Auto Anti-Theft Devise Constitutes Insurance	03/17/2005
05-03-15	Independent contractors and workers compensation coverage	03/11/2005
05-03-16	Letters of Credit	03/17/2005
05-03-17	Professional Employer Organization (PEO), Health Insurance	03/18/2005
05-03-18	Assumption of Workers Compensation Risk From Employer By Insurer	03/18/2005
05-03-19	Group Accidental Death & Personal Loss Coverage, Newborn Infants	03/18/2005
05-03-20	Health Insurance Appeals, Coordination with Federal Requirements	03/182005
05-03-21	Payment for Physician Independent Contractors, No-Fault	03/21/2005
05-03-22	Physician's Billing for Services of Employees or Independent Contractors/Health Insurance	03/22/2005
05-03-23	Incentives for Gap Insurance Sales	03/22/2005
05-03-24	Acupuncture Packages	03/22/2005
05-03-25	Coalition of Not-For-Profit Organizations, Purchase of Group Health Insurance	03/22/2005
05-03-26	Domestic Partner Benefits	03/22/2005
05-03-27	Interpretation of Ins. Law 3222(b)(v)	03/22/2005
05-03-28	Surety Bond	03/22/2005
05-03-29	Return of Commissions	03/22/2005
05-03-30	Tire and Rim Program	03/22/2005
05-03-31	Group Accident & Health Insurance Policy for Non-Union Members	03/23/2005
05-03-32	Records Retention Guidelines for Insurance Agents and Insurance Brokers	03/24/2005
05-03-33	Excess wear waiver	03/24/2005
05-03-34	Group Life & Health Insurance/Premium Rates	03/29/2005
05-03-35	Coalition of Not-For Profit Organizations, Purchase of Group Health Insurance	03/29/2005
05-03-36	No-Fault Inter-Company Loss Transfer Claims - Statutory Offsets	03/23/2005
05-03-37	Proposed transfer of warranty agreements to registered service contract provider	03/09/2005
05-03-38	Gap Insurance and Gap Waivers.	03/09/2005

05-04-01	Filing of Service Contract Reimbursement Insurance Forms	04/04/2005
05-04-02	Applicability of N.Y. Ins. Law 403 and Regulation 95 Requirement of Fraud Warning Statements in Applications and Claim Forms to Excess Line Insurers	04/04/2005
05-04-03	Homeowners Insurance / Insurable Interest	04/04/2005
05-04-04	Employer Sponsored Group Health Insurance, Waiver of Coverage	04/05/2005
05-04-05	Commercial Lending by an LLC Owned by an Unauthorized Insurer	04/06/2005
05-04-06	Supplemental Spousal Liability Coverage And For-Hire Vehicle Policies	04/07/2005
05-04-07	Co-payment and Deductible Waivers	04/08/2005
05-04-08	Licensing Requirement for Independent Adjuster	04/11/2005
05-04-09	Maternity Care Coverage	04/13/2005
05-04-10	Group Annuity Contracts, Transfer of Assets	04/13/2005
05-04-11	Licensed Agent Directing Commissions to Unlicensed Not-for-Profit Association	04/13/2005
05-04-12	Health Insurance Portability & Accountability Act (HIPAA), Privacy Rule, Psychotherapy Notes	04/14/2005
05-04-13	Health Insurance, Recoupment of Overpayment	04/14/2005
05-04-14	Flexible Spending Accounts Administration and Rebating	04/15/2005
05-04-15	Investments by Insurers in Limited Liability Companies	04/20/2005
05-04-16	Referral Fees and Rebates	04/22/2005
05-04-17	Provider's Waiver of Utilization Review Determination by Telephone	04/22/2005
05-04-18	Group Health Insurance, Dependent Continuation Right	04/22/2005
05-04-19	Premium Finance Agency Fee	04/22/2005
05-04-20	Individual Health Insurance for Non-Citizens	04/25/2005
05-04-21	Acting as insurance producer without a license	04/25/2005
05-04-22	Foreign Arbitration Clause	04/27/2005
05-04-23	Agent of a Title Insurance Corporation; Licensing Inquiry	04/29/2005
05-04-24	Appraisal Clause	04/29/2005
05-04-25	Reimbursement for Services Provided by a Social Worker.	04/07/2005

05-05-01	Discount dental club	05/02/2005
05-05-02	Collateral Trust Arrangement	05/03/2005
05-05-03	Midterm Cancellation of Workers' Compensation Insurance	05/03/2005
05-05-04	Public adjusters and conflicts of interest	05/04/2005
05-05-05	Community Rating and Out-of-State Association Trust	05/04/2005
05-05-06	Permissibility of Proposed Business Arrangement/Joint Venture/Title Agent	05/04/2005
05-05-07	Section 5 of TIRSA Manual: Request for Department Ruling That Fair Market Value of Buildings Are Less than Assessed Value	05/05/2005
05-05-08	Mass Merchandising	05/06/2005
05-05-09	Office location	05/06/2005
05-05-10	Fully Insured Multiple Employer Welfare Arrangements	05/09/2005
05-05-11	New York Municipal Law Section 92-a	05/09/2005
05-05-12	Charitable Gift Annuity	05/09/2005
05-05-13	Small Group Health Insurance, Premium Rates	05/09/2005
05-05-14	Disclosure of Health Insurance Information	05/09/2005
05-05-15	Workers' Compensation	05/11/2005
05-05-16	18 USCA 1033 Waiver	05/11/2005
05-05-17	Formation of a Title Insurance Company	05/12/2005
05-05-18	Agent/Broker Licensing and Commission Sharing	05/11/2005
05-05-19	Broker Fees and Commissions	05/11/2005
05-05-20	Wrap-up Policy Not Subject to Audit Adjustment	05/17/2005
05-05-21	Investigating Claims	05/17/2005
05-05-22	Insurer's Right to Cancel for Non-payment of Additional Premium	05/18/2005
05-05-23	Intra-Organization Claims Adjusting License Requirement	05/20/2005
05-05-24	Community Rated group health insurance Notification of employees termination	05/20/2005
05-05-25	Unlicensed Insurance Agent & Unauthorized Health Insurer	05/24/2005
05-05-26	Life Insurance Underwriting	05/25/2005
05-05-27	Application of excess line premium tax to policies sold to Indian tribes	05/26/2005
05-05-28	Automobile 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 ISO	05/26/2005
05-05-29	Physician Acceptance of No-Fault Fee Schedule	05/28/2005
05-05-30	Foreign Embassy or Consulate as Employer for Purposes of Group Life/Health Insurance Policy	05/30/2005
05-05-31	Service Contracts	05/31/2005
05-05-32	Discounts for Completing a Defensive Driving Course	05/31/2005
05-05-33	Prize Give Away Limitation	05/31/2005
05-05-34	Liability for Rental Cars - N.Y. Gen. Bus. Law 396-z	05/31/2005

05-06-01	Excess Line Association of New York ("ELANY") Proposed Electronic Filing & Stamping System	06/02/2005
05-06-02	Charitable Donation of One Year of Life Insurance Premium	06/02/2005
05-06-03	Payment of Rental Car Damage Claim	06/03/2005
05-06-04	Health Insurance, Continuation Benefit	06/03/2005
05-06-05	Association Groups, Health Insurance	06/03/2005
05-06-06	Digital Photography	06/06/2005
05-06-07	Charitable Annuities	06/06/2005
05-06-08	Applicability of Regulation 64 to a Motor Vehicle Accident	06/07/2005
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
05-06-10	Chronic Health Conditions, Declination for Insurance	06/08/2005
05-06-11	Unlicensed Bank Representative & Rebating	06/09/2005
05-06-12	Health Insurance, Coverage of Chiropractic Services	06/13/2005
05-06-13	Group Annuity 401(k) Product	06/16/2005
05-06-14	Exemption from independent adjuster definition applicable to an adjustment bureau	06/16/2005
05-06-15	Use of credit to cancel or non-renew a commercial risk insurance policy	06/17/2005
05-06-16	Licensing of Foreign HMO in NY	06/17/2005
05-06-17	Title Insurance	06/17/2005
05-06-18	Applicability of New York State Insurance Law 9110 Motor Vehicle Law Enforcement	06/17/2005
05-06-19	Cancellation of Excess Line Insurance Policies	06/20/2005
05-06-20	Emergency Treatment, Physicians Services	06/21/2005
05-06-21	Underwriting Questionnaires: Usage by New York Automobile Insurance Plan ("NYAIP") Insurers to Underwrite NYAIP Insureds	06/21/2005
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
05-06-23	N.Y. Comp. Codes R. & Regs. tit. 11, 60-1.1(c)(3)(i)-(iii) (Regulation 35-A) Exclusions	06/22/2005
05-06-24	Automobile Insurance Advertisements.	06/22/2005
05-06-25	Hiring a person whose insurance broker license was revoked to work in an insurance business	06/22/2005
05-06-26	Valuation of Life Estate	06/23/2005
05-06-27	Group Life Insurance, Union as Policyholder	06/23/2005
05-06-28	Health Insurance Eligibility	06/23/2005
05-06-29	Independent Adjuster Licensing Requirements Request for Reconsideration of Opinion.	06/24/2005
05-06-30	Referrals	06/27/2005
05-06-31	Architect Fees	06/27/2005
05-06-32	Interplay of Medicaid and Healthy New York with Private Health Insurance	06/27/2005
05-06-33	Dividends on Group Term Life Insurance.	06/27/2005
05-06-34	Health Insurance Continuation Benefits & Administrative Services.	06/28/2005
05-06-35	Broker Fees	06/28/2005

05-07-01	Compensation Paid to Mortgage Lender's Employees for Referring Title Business to Lender's Affiliated Title Insurance Company	07/01/2005
05-07-02	No-Fault: Preferred Providers Organization (PPO)	07/01/2005
05-07-03	Payment of Interest on Life Insurance Proceeds.	07/05/2005
05-07-04	Electronic Transmittal of Explanations of Benefits (EOB)	07/05/2005
05-07-05	Discount Vision Program.	07/05/2005
05-07-06	Third Party Administrator License Requirement.	07/05/2005
05-07-07	Employment Based Group Insurance, Minimum Hours of Work.	07/07/2005
05-07-08	General Inquiry Regarding An Authorized Insurer That Issues An Insurance Policy On An Unapproved Policy Form	07/07/2005
05-07-09	Group Health Insurance Coverage of Spouse	07/07/2005
05-07-10	Commercial Lending by an LLC Owned by an Unauthorized Insurer Retaliatory Tax Inquiry.	07/12/2005
05-07-11	Bid Credit For Insurance Under NY Ins Law 2505	07/12/2005
05-07-12	Solicitation for Purchase of Life Insurance Policy	07/13/2005
05-07-13	Utilization Review, Pharmacy Benefits	07/13/2005
05-07-14	Broker Compensation	07/15/2005
05-07-15	Sale of Book of Business.	07/05/2005
05-07-16	Offering free administrative services in connection with the sale of health insurance	07/13/2005
05-07-17	Disclosure of Policyholder Files by Insurance Agents (Regulations 169 and 173).	07/15/2005
05-07-18	Chiropractors, Health Insurance.	07/19/2005
05-07-19	Cancellation of Commercial Liability Insurance Policy N.Y. Ins. Law 3426 (McKinney Supp. 2005).	07/19/2005
05-07-20	Health Maintenance Organization, Commissions.	07/20/2005
05-07-21	Record Retention	07/21/2005
05-07-22	Regulation 114 - Proposed Master Trust	07/21/2005
05-07-23	Proof of Marriage For Auto Insurance	07/21/2005
05-07-24	Payment of Fee by Independent Adjuster to Broker	07/25/2005
05-07-25	Permissibility of Broker Engaging in COBRA and General Billing Administration on Behalf of its Clients	07/26/2005
05-07-26	Public Adjusters	07/26/2005
05-07-27	Referrals of Potential Insureds by Non-Licensees to an Insurance Agency.	07/27/2005
05-07-28	Excess Workers' Compensation - Insurance Policies for Self-Insured Employers	07/27/2005
05-07-29	Referral Fee	07/28/2005
05-07-30	Minimum Earned Premiums	07/28/2005
05-07-31	N.Y. Comp. Codes R. & Regs. tit. 11, Part 101, (Regulation 164) (2002), Applicability	07/29/2005
05-07-32	Receipt of Insurance Broker's Future Commissions by Spouse of Deceased Broker	07/21/2005

05-08-01	Special Risk Insurance Written in the Free Trade Zone - Purchasing Groups.	08/01/2005
05-08-02	Regulation of Travel Agents Selling Travel Insurance.	08/02/2005
05-08-03	Merger of Service Contract Providers	08/02/2005
05-08-04	One-time copay waiver/refund incentive	08/03/2005
05-08-05	Driving Discounts	08/03/2005
05-08-06	Commercial Property Insurance/Affect of Binder	08/09/2005
05-08-07	Offering free tax preparation services to employers in connection with the sale of employee benefits	08/09/2005
05-08-08	Article 48 and Preferred Provider Organizations.	08/12/2005
05-08-09	Licensing requirements of a United States manager of a U.S. Branch of an alien insurer	08/12/2005
05-08-10	Out of Network Health Coverage.	08/12/2005
05-08-11	Accounting Practices and Procedures Manual - Regulation 172	08/15/2005
05-08-12	Loss Information Requests.	08/16/2005
05-08-13	Accident & Health Insurance, Workers Compensation Exclusion.	08/17/2005
05-08-14	Group Health Insurance, Waiver of Coverage.	08/19/2005
05-08-15	Loan Participations as "Qualified Investments" - CAPCO Statute	08/22/2005
05-08-16	Health Maintenance Organizations, Commissions	08/24/2005
05-08-17	Commercial Umbrella Policy's Aggregate Limits of Liability	08/25/2005
05-08-18	Disclosure of Broker Commission	08/30/2005
05-08-19	Insurers Obligation to Use Insurance Producers.	08/30/2005
05-08-20	Referrals of Potential Insureds by Non-licensees to an Insurance Agency	08/30/2005
05-08-21	Interpretation of "[A]ny Notice Rejecting Any Element of a Claim Involving Personal Property Insurance" Contained in Section 216.6(h) of Regulation 64	08/31/2005
05-08-22	Health Care Insurance Grouping.	08/30/2005
05-08-23	Permissibility of Agent Inducing Residents to Purchase Insurance from Him in Exchange for His Donation of $50-$100 from Each Purchased Policy to a Specific Organization	08/30/2005
05-08-24	Third Party Administrator and Adjuster's License	08/01/2005

05-09-01	Arrangement Between an Insurance Broker and Unlicensed Entities	09/01/2005
05-09-02	Insurance Sales on the Internet	09/01/2005
05-09-03	Independent Insurance Adjusters Licenses.	09/06/2005
05-09-04	Mortgage Guaranty Insurance	09/06/2005
05-09-05	Multiple Employer Welfare Arrangements (MEWA).	09/07/2005
05-09-07	Limited license for credit insurance	09/08/2005
05-09-08	Public Adjusters & Mortgagee Rights	09/08/2005
05-09-09	Unauthorized Health Insurer & Sales in New York for Risks outside New York.	09/12/2005
05-09-10	Audit of Health Insurance Claims	09/12/2005
05-09-11	Health Insurance External Appeals, Time Limitations on Appeals	09/12/2005
05-09-12	Broker Payments to Unlicensed Trainees.	09/12/2005
05-09-13	Non-resident Insurance Agent/Insurance Consulting	09/13/2005
05-09-14	Form and Rate Filing Requirements for Group Policy Issued outside New York.	09/16/2005
05-09-15	Prospective Cancellation of Non-Automobile Personal Lines Insurance Renewal Policies.	09/16/2005
05-09-16	Non-resident Third Party Administrator	09/19/2005
05-09-17	Utilization Review, Physical Therapist as Clinical Peer Reviewer	09/19/2005
05-09-18	Alarm System Rebates for Clients.	09/19/2005
05-09-19	Physician's Assistants, Professional Liability Insurance.	09/21/2005
05-09-20	Medicare Supplemental Insurance, Pre-Existing Condition Limitations & Underlying Coverage.	09/22/2005
05-09-21	Application of N.Y. Ins. Law 3426(g)(2) (McKinney Supp. 2005)	09/23/2005
05-09-22	Professional Employer Organization (PEO), Healthy New York	09/27/2005
05-09-23	Renewal Requirements for Commercial Risk Policies	09/28/2005
05-09-24	Minimum Requirement for No Fault Transportation Benefits Claim	09/28/2005
05-09-25	Referrals and Insurance Quotes.	09/28/2005
05-09-26	Wireless Telephone Repair Contract.	09/30/2005
05-09-27	Electronic Signatures	09/16/2005
05-09-28	Revised Discount Total Loss Protection Program	09/26/2005

05-10-01	Peace Officer Designation of Bail Bond Agents by Superintendent of Insurance	10/03/2005
05-10-02	No-Fault Coverage for New York Resident Injured Outside New York.	10/03/2005
05-10-03	ABC Vacations - ABCV Put Option	10/05/2005
05-10-04	Licensing Inquiry for Third Party Administrators	10/07/2005
05-10-05	Health Insurance Portability & Accountability Act (HIPAA), Privacy Rule, Psychotherapy Notes	10/07/2005
05-10-06	Use of Captive Insurers - Self Procurement Tax.	10/12/2005
05-10-07	Group Health Insurance, Domestic Partner Coverage.	10/12/2005
05-10-08	Financial Responsibility Requirements for Service Contract Providers.	10/14/2005
05-10-09	Rebating	10/17/2005
05-10-10	Attorney Acting as Independent Adjuster	10/17/2005
05-10-11	Drug Enforcement Administration, Controlled Substance Registration.	10/17/2005
05-10-12	Comparative Statutory Analysis of N.Y. Ins. Law 4224(a)(3) & (b)(3).	10/20/2005
05-10-13	Out of State Call Centers	10/20/2005
05-10-14	Agent Charging Fee for Insufficient Check Charges	10/21/2005
05-10-15	The City of New York's Exemption from the Motor Vehicle Financial Security Act	10/21/2005
05-10-16	Mortgage Guaranty Insurance - Determination of Fair Market Value	10/24/2005
05-10-17	Group Life Insurance, Assignment	10/25/2005
05-10-18	Reinsurance Intermediary Clause	10/27/2005
05-10-19	Permissibility of Proposed Ownership of Title Agency	10/28/2005
05-10-20	Disclosure of Relationship Between Insurance Producer and Premium Finance Agency.	10/28/2005
05-10-21	New York Taxation of Insurers.	10/31/2005
05-10-22	Excess Line Premium Tax	10/21/2005
05-10-23	Agent Record Retention	10/21/2005
05-10-24	Financial Guaranty Insurance - Triple X Securitizations	10/17/2005

05-11-01	Construction Bid - Credit Applied for Insurance Cost	11/03/2005
05-11-02	Financial Property Insurance.	11/03/2005
05-11-03	Authorized Insurer Using Conditional Renewal Notice to Place Insured with Affiliated Unauthorized Insurer	11/03/2005
05-11-04	Minimum Premium	11/03/2005
05-11-05	Fees Charged by an Insurance Agent to Members of a Purchasing Group	11/04/2005
05-11-06	Broker Business Card	11/04/2005
05-11-07	Fuel oil dealer business interruption program covering property damage of client's residential oil tank	11/07/2005
05-11-08	Consulting Fee for an Insurance Agent	11/07/2005
05-11-09	New York State Jurisdiction Over Health Insurance Premium Rates.	11/08/2005
05-11-10	Coverage for Infertility Treatments.	11/08/2005
05-11-11	Wrap-up Insurance	11/08/2005
05-11-12	Fee-for-Service Arrangement Between Independent Practice Association ("IPA") & Insurer	11/09/2005
05-11-13	Homeowner's insurance policy and workers compensation insurance for domestic worker	11/09/2005
05-11-14	Terminated Insurance Agent Records that an Insurer Shall Maintain.	11/10/2005
05-11-15	Permissibility of Proposed Business Arrangement to Own Title Agency	11/10/2005
05-11-16	Requirements of training programs to identify and evaluate possible insurance fraud	11/11/2005
05-11-17	Group Health Insurance, Employer-Employee Group	11/14/2005
05-11-18	Life Insurance Guaranty Corporation of New York/Coverage of Pension Plans	11/14/2005
05-11-19	Promotional Gifts	11/15/2005
05-11-20	On-Line Insurance Referral Service	11/15/2005
05-11-21	Signature on an Insurance Contract	11/17/2005
05-11-22	Capital Contribution from Corporate Parent.	11/18/2005
05-11-23	Public Adjuster's Fees	11/18/2005
05-11-24	Service Fees.	11/21/2005
05-11-25	Circular Letter No. 6 (2005) and registered representatives	11/21/2005
05-11-26	Check Address	11/22/2005
05-11-27	Individual Life Insurance, Conditional Receipts	11/22/2005
05-11-28	Delivery of Policy Forms by an Insurer In Electronic Form Only	11/23/2005
05-11-29	Financial Audit of Managing General Agents ("MGA")	11/29/2005

05-12-01	Group Health Insurance, Multiple Employers.	12/01/2005
05-12-02	Permissibility of Real Estate Brokerages "Free" Closing Gift of a Home Protection Plan to its Clients	12/01/2005
05-12-03	Definition of Encryption.	12/02/2005
05-12-04	Mail Order Exemptions.	12/05/2005
05-12-05	Adding Cooperative Corporation As Insured To Homeowners Insurance Policy	12/07/2005
05-12-06	Permits for Charitable Annuity Societies.	12/08/2005
05-12-07	Purchase of Commercial Annuities by Charitable Annuity Societies.	12/08/2005
05-12-08	Non-Resident Managing General Agent License	12/08/2005
05-12-09	Accident Prevention Course Discount.	12/08/2005
05-12-10	Subrogation and Physical Damage Claims - Regulation 64	12/08/2005
05-12-11	Adjuster Licensing	12/09/2005
05-12-12	Agent or Broker Charging Fee for Insufficient Check Charge	12/12/2005
05-12-13	Wrap-up Insurance	12/14/2005
05-12-14	Excess Line Placement	12/19/2005
05-12-15	Life Insurance Transactions	12/19/2005
05-12-16	Commercial Umbrella Liability Insurance and Discrimination Claims	12/20/2005
05-12-17	Reinsurance of Punitive Damage Coverage	12/21/2005
05-12-18	Authorized Insurers for Public Works Contractors	12/21/2005
05-12-19	Maximum Life Insurance Limits for Juveniles.	12/22/2005
05-12-20	Group Health Insurance, Employee Eligibility	12/27/2005
05-12-21	Electronic Fund Transfers	12/27/2005
05-12-22	Minimum Premium for IRPM Plan	12/27/2005
05-12-23	ABC Health Plan, Inc. - Gastric Bypass Surgery	12/27/2005
05-12-24	Issuance of Closing Protection Letter by Title Insurance Company	12/28/2005

Selected Opinions of The Office of General Counsel For The Year of 2005

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