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CHAPTER 304 - Insurance Code
TITLE IX - Counties, Cities and Other Local Units   TITLE XI - Revenue and Taxation  
TITLE XVI - Motor Vehicles   TITLE XVIII - Public Health  
TITLE XXV - Business and Financial Institutions   TITLE XXVII - Labor and Human Rights  
TITLE XXXVII - Special Proceedings   Kentucky Administrative Regulations (KAR)  

TITLE IX - Counties, Cities and Other Local Units

CHAPTER 91A Finance and Revenue of Cities
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bullet [91A.080]:  License tax on insurance companies
bullet [91A.0802]:  Definitions for chapter
bullet [91A.0804]:  Exclusive remedy for adjustments relating to license fees or taxes imposed under KRS 91A.080
bullet [91A.0806]:  Verification of risk location systems and programs; administrative regulations
bullet [91A.0808]:  Local premium tax advisory council; members; purpose
bullet [91A.0810]:  Identification of amount of local government tax charged and taxing jurisdiction due tax; notice to policyholders

TITLE XI - Revenue and Taxation

CHAPTER 136 Corporation and Utility Taxes
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bullet [136.320]:  Tax on taxable capital of domestic life insurance companies in lieu of other taxes; state and local rates
bullet [136.330]:  Tax on premium receipts life insurance company; exception
bullet [136.335]:  Irrevocable election of method of taxation for domestic life insurance companies; time of filing
bullet [136.340]:  Tax on amounts paid to stock insurance companies, other than life
bullet [136.350]:  Tax on amounts to mutual companies, other than life and Lloyd's insurers
bullet [136.360]:  Tax on amounts paid to stock insurance, to defray cost of administering fire prevention and insurance laws
bullet [136.370]:  Tax on attorneys for exchange of reciprocal or interinsurance contracts; additional tax on premiums of stock insurers
bullet [136.377]:  Filing of declaration of estimated tax by company; payment; penalty
bullet [136.381]:  Reports and payments due notwithstanding dissolution or retirement
bullet [136.390]:  Tax on insurance companies other than stock or mutual
bullet [136.392]:  Premium surcharge
bullet [136.395]:  Hospital, medical or dental service companies exempt from premium tax
bullet [136.410]:  Tax on bail bondsmen fees
bullet [136.980]:  Penalty for delinquency in payment
bullet [136.985]:  Penalty for failing to file return
bullet [136.990]:  Penalties

CHAPTER 141 Income Taxes
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bullet [141.062]:  Premiums paid for health insurance to be treated as income tax credit
bullet [141.405]:  Tax credit for company approved for occupational or skills upgrade training program under KRS 154.12-2084 to 154.12-2089; administrative regulations

TITLE XVI - Motor Vehicles

CHAPTER 186A Automated Motor Vehicle Registration System
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bullet [186A.500]:  Legislative finding
bullet [186A.510]:  Definitions for KRS 186A.500 to 186A.550
bullet [186A.520]:  Salvage titles; conditions for issuance; operation of vehicle with salvage title
bullet [186A.525]:  Title for motor vehicle previously with branded title or salvage title
bullet [186A.530]:  Titles of rebuilt, water-damaged, and junk vehicles; insurance claim settlements for salvage vechicles; disclosure of title brand by owner or dealer; voidability of sale without disclosure; exemption; administrative regulations
bullet [186A.535]:  Title for classic motor vehicle project; administrative regulations
bullet [186A.540]:  Written disclosure of damages to motor vehicle
bullet [186A.550]:  Authority for administrative regulations to conform to federal requirement of uniformity, if imposed
bullet [186A.555]:  Titles of hail-damaged vehicles

TITLE XVIII - Public Health

CHAPTER 216 Health Facilities and Services
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bullet [216.2923]:  Health data collection powers and duties; transmitting information on insurance experience; cabinet advisory committee
bullet [216.2960]:  Pilot projects for twenty-four hour health coverage; authority for administrative regulations

TITLE XXV - Business and Financial Institutions

CHAPTER 299 Assessment or Cooperative Insurance
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bullet [299.010]:  Definitions and application
bullet [299.011]:  Assessment
bullet [299.015]:  Nature of policy to be stated on face
bullet [299.017]:  Effect of failure to operate for one year; termination of new licensing beginning July 15, 1998
bullet [299.019]:  Reporting and filing requirements
bullet [299.020]:  Companies deemed engaged in life or casualty insurance business upon the cooperative or assessment plan
bullet [299.030]:  Organization of a domestic company
bullet [299.040]:  Authorization of a domestic company to do business; requirements; when may begin business
bullet [299.045]:  Subsequent licensure of assessment or cooperative life insurance companies prohibited
bullet [299.050]:  Guaranty fund; creation; investments; deposit of securities; use of fund; rights of holders of certificates
bullet [299.060]:  Emergency fund; creation; use; administration on discontinuance of business; reserve fund
bullet [299.070]:  Abandonment of charter by a company; period for which charter is in force
bullet [299.100]:  Annual meeting; adoption and amendment of bylaws; examination of books
bullet [299.110]:  Election of officers
bullet [299.120]:  Annual statement of condition
bullet [299.130]:  Application, rule or bylaw referred to as having bearing on contract must accompany policy; use as evidence; type size
bullet [299.140]:  Policy to state contract for payment; limit of amount; liability for payment
bullet [299.150]:  Insurable age; insurable interest; change of beneficiary
bullet [299.160]:  Notice of assessment; classification of expense
bullet [299.170]:  Examination of policyholder claiming benefits
bullet [299.180]:  Suspension of company from doing business on failure to pay loss; impounding of collections
bullet [299.190]:  Investigation and action against company failing to pay loss; court to close business and appoint receiver
bullet [299.200]:  Liability of officers of company failing to levy assessment to pay death claim
bullet [299.210]:  Reinsurance
bullet [299.215]:  Fees of Department of Insurance
bullet [299.220]:  Assessment or cooperative life or casualty company may change to stock or mutual plan
bullet [299.230]:  Meeting to change form of company; notice; vote necessary to change
bullet [299.240]:  Fixing amount and shares of capital stock; sale of stock
bullet [299.250]:  Requirements for reorganized company to begin business
bullet [299.260]:  Types of insurance that may be written by a reorganized company
bullet [299.270]:  Directors of reorganized company; election; powers
bullet [299.280]:  Handling of assessment policies previously written
bullet [299.290]:  Use of surplus of former company; assets and liabilities
bullet [299.300]:  Ascertainment and payment of interest of policyholders dissenting to change; additional reserve fund
bullet [299.310]:  Organization of assessment or cooperative company to write certain insurance other than life; membership; preliminary bond
bullet [299.320]:  Authorization to do business; requirements
bullet [299.330]:  Territory in which company may do business; change; removal of office
bullet [299.340]:  Directors and officers; election; term of office; powers of directors; quorum; bonds
bullet [299.350]:  Annual meeting; votes; bylaws; books
bullet [299.360]:  Classification of insured property; separation of risks
bullet [299.370]:  Reserve fund; source; use; investment
bullet [299.380]:  Issuance of policies; amount of single risk limited by total insurance in force
bullet [299.390]:  Assessment contact; lien; notice and adjustment of loss
bullet [299.400]:  Collection and use of membership or policy fees; levy and collection of assessments
bullet [299.410]:  Notice of assessment; form and service
bullet [299.420]:  Maximum liability of policyholders for assessments
bullet [299.430]:  Action to collect unpaid assessments; exclusion of policyholder; refund
bullet [299.440]:  Withdrawal of member; admission of members after organization
bullet [299.450]:  Annual statement of condition
bullet [299.460]:  Examination of companies by commissioner; action against violators
bullet [299.470]:  Companies organized under a special charter
bullet [299.480]:  Organization of a reinsurance company by mutual or assessment and cooperative fire insurance companies
bullet [299.490]:  Admission and withdrawal of member companies of reinsurance company
bullet [299.500]:  Policies of reinsurance; rates; directors; liability of member companies; limitation of risks
bullet [299.510]:  Reinsurance of risks by mutual or assessment and cooperative fire insurance companies
bullet [299.520]:  Filing of copies of reinsurance contracts with the commissioner; inspection
bullet [299.530]:  Annual report on reinsurance premiums; tax on premiums paid to unauthorized companies
bullet [299.540]:  Fees of Department of Insurance
bullet [299.550]:  Change to mutual plan of company writing insurance other than life
bullet [299.990]:  Penalties

CHAPTER 304 Insurance Code
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SUBTITLE 1 Scope; General Definitions And Provisions
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bullet [304.1-010]:  Contents of chapter
bullet [304.1-020]:  'Person' defined
bullet [304.1-030]:  'Insurance' defined
bullet [304.1-040]:  'Insurer' defined
bullet [304.1-050]:  'Commissioner' and 'department' defined
bullet [304.1-060]:  'State' defined
bullet [304.1-070]:  'Domestic,' 'foreign,' 'alien' insurer defined
bullet [304.1-080]:  'Domicile' defined
bullet [304.1-090]:  'Principal office' defined
bullet [304.1-100]:  'Authorized,' 'unauthorized' insurer defined
bullet [304.1-110]:  'Certificate of authority,' 'license' defined
bullet [304.1-120]:  Application of code to particular types of organizations
bullet [304.1-130]:  Particular provisions prevail
bullet [304.1-140]:  Captions not to affect meaning
bullet [304.1-150]:  'Subtitle' defined
bullet [304.1-160]:  Existing license
bullet [304.1-170]:  Existing or filed insurance forms
bullet [304.1-180]:  Existing actions and violations
bullet [304.1-190]:  No civil liability for furnishing information to law enforcement authorities concerning designated matters

SUBTITLE 2 Insurance Commissioner
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bullet [304.2-010]:  Department of Insurance continued
bullet [304.2-020]:  Commissioner of insurance; appointment, term; divisions within department
bullet [304.2-030]:  Commissioner's oath; bond
bullet [304.2-040]:  Official seal
bullet [304.2-050]:  Documents under seal
bullet [304.2-060]:  Appointment of deputies
bullet [304.2-063]:  Consumer Protection Division
bullet [304.2-065]:  Early warning analyst
bullet [304.2-070]:  Independent technical, professional services
bullet [304.2-080]:  Prohibited interest, rewards
bullet [304.2-090]:  Delegation of powers
bullet [304.2-100]:  General powers and duties of commissioner
bullet [304.2-105]:  Commissioner's authority to extend in-state insurance activity to match that of federally regulated financial institutions
bullet [304.2-110]:  Rules and regulations
bullet [304.2-120]:  Orders and notices in general; service
bullet [304.2-130]:  Enforcement
bullet [304.2-140]:  Penalties for violations
bullet [304.2-150]:  Records; inspection; destruction; subject to Open Records Act
bullet [304.2-160]:  Complaints
bullet [304.2-165]:  Complaints regarding health insurer; other authority of commissioner
bullet [304.2-170]:  Official documents, reproductions, and certified copies; use as evidence
bullet [304.2-190]:  Publications; sale
bullet [304.2-195]:  Interstate compacts for issuing certificates of authority
bullet [304.2-200]:  Interstate cooperation
bullet [304.2-205]:  Annual statement convention blank; immunity from prosecution
bullet [304.2-210]:  Examination of insurers
bullet [304.2-220]:  Examination of holding companies, subsidiaries, agents, promoters and others
bullet [304.2-230]:  Conduct of examination; immunity for examiners; access to records; corrections; penalty
bullet [304.2-240]:  Appraisal of asset
bullet [304.2-250]:  Examination reports; contents; prima facie evidence in certain proceedings; confidentiality
bullet [304.2-260]:  Examination reports; distribution; hearing; order of commissioner; confidentiality; public inspection; regulatory action
bullet [304.2-270]:  Examination report of domestic insurer; confidential nature; limited disclosure
bullet [304.2-280]:  Examiners; qualifications
bullet [304.2-290]:  Examination expense
bullet [304.2-300]:  Examination expense revolving fund
bullet [304.2-310]:  Administrative procedures; hearings
bullet [304.2-320]:  Notice of hearing
bullet [304.2-340]:  Witnesses and evidence
bullet [304.2-350]:  Testimony compelled; immunity from prosecution
bullet [304.2-360]:  Order on hearing
bullet [304.2-370]:  Appeal from the commissioner
bullet [304.2-400]:  Insurance regulatory trust fund; use
bullet [304.2-410]:  Investment of insurance regulatory trust fund
bullet [304.2-420]:  Transfer of funds to insurance regulatory trust fund to cover deficiency
bullet [304.2-430]:  Payment of expenses of department from general fund; reimbursement
bullet [304.2-440]:  Assessment of insurers

SUBTITLE 3 Authorization of Insurers And General Requirements
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bullet [304.3-010]:  'Stock' insurer defined
bullet [304.3-020]:  'Mutual' insurer defined
bullet [304.3-025]:  'Combined stock and mutual life' insurer defined
bullet [304.3-030]:  'Reciprocal' insurer defined
bullet [304.3-040]:  'Lloyd's Plan' insurer defined
bullet [304.3-050]:  'Charter' defined
bullet [304.3-060]:  Exceptions to certificate of authority requirement
bullet [304.3-070]:  Eligibility for certificate of authority
bullet [304.3-080]:  General eligibility for certificate of authority; ownership; management
bullet [304.3-090]:  General eligibility for certificate of authority; prior operation
bullet [304.3-100]:  Name of insurer
bullet [304.3-110]:  Combinations of insuring powers, one insurer
bullet [304.3-120]:  Capital funds required; amount of surplus required
bullet [304.3-125]:  Authority for commissioner to require additional capital and surplus
bullet [304.3-140]:  Deposit requirement in general
bullet [304.3-150]:  Application for certificate of authority
bullet [304.3-160]:  Issuance; refusal of authority; ownership of certificate
bullet [304.3-170]:  Amended certificate of authority
bullet [304.3-180]:  Continuance, expiration, and reinstatement of certificate of authority; preparation of audited financial statements
bullet [304.3-190]:  Suspension or revocation of certificate of authority; mandatory grounds
bullet [304.3-200]:  Suspension or revocation of certificate of authority; discretionary and special grounds
bullet [304.3-210]:  Order, notice of suspension or revocation; publication; effect upon agents' authority
bullet [304.3-220]:  Duration of suspension; insurer's obligation during suspension period; reinstatement
bullet [304.3-230]:  Service of process on insurers; Secretary of State as attorney for service of process
bullet [304.3-240]:  Annual and quarterly financial statement; penalty for noncompliance; publication of financial statement prepared on a different basis
bullet [304.3-241]:  Accounting practices and procedures for annual and quarterly statements
bullet [304.3-242]:  Property and casualty insurers to annually submit statement of actuarial opinion and supporting documentation; opinion to be available for public inspection; confidentiality of supporting documentation; exemptions to filing requirement
bullet [304.3-270]:  Retaliatory provision
bullet [304.3-280]:  Effect of provision limiting or excluding insurer's obligation to pay claim of insured eligible for medical assistance
bullet [304.3-320]:  Guaranty fund deposit by foreign insurers may be required by commissioner
bullet [304.3-330]:  Reports of past-due loans and loans in foreclosure to early warning analyst
bullet [304.3-400]:  Definitions for KRS 304.3-400 to 304.3-430
bullet [304.3-405]:  Parties subject to KRS 304.3-400 to 304.3-430
bullet [304.3-410]:  Applicability; contract between insurer and controlling producer; audit committees; reporting requirements
bullet [304.3-415]:  Notice to prospective insured disclosing relationship between producer and controlled insurer; exceptions
bullet [304.3-420]:  Authority of commissioner; actions
bullet [304.3-425]:  Compliance date
bullet [304.3-430]:  Short title for KRS 304.3-400 to 304.3-430
bullet [304.3-500]:  Definitions for KRS 304.3-500 to 304.3-570
bullet [304.3-510]:  Licensing of controlling agent; evidence of financial responsibility
bullet [304.3-520]:  Contract between insurer and controlling agent; minimum provisions; prohibited activities
bullet [304.3-530]:  Duties and responsibilities of insured and controlling agent
bullet [304.3-540]:  Acts of controlling agent; examination by commissioner
bullet [304.3-550]:  Penalties
bullet [304.3-560]:  Administrative regulations
bullet [304.3-570]:  Short title for KRS 304.3-500 to 304.3-570
bullet [304.3-600]:  Definitions for KRS 304.3-600 to 304.3-635 and 304.99-055.(Effective January 1, 2015)
bullet [304.3-605]:  Application of KRS 304.3-600 to 304.3-635 and 304.99-055.(Effective January 1, 2015)
bullet [304.3-610]:  Maintenance of risk management framework.(Effective January 1, 2015)
bullet [304.3-615]:  Regular Own Risk and Solvency Assessments required; exception; frequency (Effective January 1, 2015)
bullet [304.3-620]:  Own Risk and Solvency Assessment Summary Report or combination of reports; when required; contents; signature (Effective January 1, 2015)
bullet [304.3-625]:  Exemption from requirements of KRS 304.3-600 to 304.3-635 and 304.99-055; conditions (Effective January 1, 2015)
bullet [304.3-630]:  Reporting to comply with ORSA Guidance Manual. (Effective January 1, 2015)
bullet [304.3-635]:  ORSA Summary Report and other information confidential, privileged, and exempt from Open Records Act and private civil action subpoena, discovery, and testimony; powers of commissioner (Effective January 1, 2015)

SUBTITLE 4 Fees And Taxes
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bullet [304.4-010]:  Fees to be prescribed by administrative regulation; time prescribed if fees remitted by electronic submission
bullet [304.4-020]:  Payment of funds collected under KRS 304.4-010 into State Treasury
bullet [304.4-030]:  Tax as to unauthorized reinsurance
bullet [304.4-040]:  Revocation of authority for failure to pay

SUBTITLE 5 Kinds of Insurance; Limits of Risk; Reinsurance
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bullet [304.5-010]:  Definitions not mutually exclusive
bullet [304.5-020]:  'Life insurance' defined
bullet [304.5-030]:  'Annuity' defined
bullet [304.5-040]:  'Health insurance' defined
bullet [304.5-050]:  'Property insurance' defined
bullet [304.5-060]:  'Surety insurance' defined
bullet [304.5-070]:  'Casualty insurance' defined
bullet [304.5-080]:  Inland marine and transportation, 'wet' marine insurance defined
bullet [304.5-090]:  'Title insurance' defined
bullet [304.5-100]:  'Mortgage guaranty insurance' defined
bullet [304.5-110]:  'Multiple line' insurers
bullet [304.5-120]:  Limits of risks
bullet [304.5-130]:  'Reinsurance' defined
bullet [304.5-140]:  Reinsurance
bullet [304.5-150]:  Reinsurance treaties and contracts
bullet [304.5-155]:  Insurers authorized to reinsure; applicability of section
bullet [304.5-160]:  Health insurance and health care contracts not to cover elective abortions except by optional rider

SUBTITLE 6 Assets And Liabilities
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bullet [304.6-005]:  'Accounting practices and procedures manual' and 'SSAP' defined
bullet [304.6-010]:  'Assets' defined
bullet [304.6-020]:  Assets not allowed
bullet [304.6-030]:  Use of 'wash' transactions; penalty
bullet [304.6-040]:  Liabilities, in general
bullet [304.6-050]:  Unearned premium reserve
bullet [304.6-060]:  Unearned premium reserve for marine and transportation insurance
bullet [304.6-070]:  Health insurance policy reserves
bullet [304.6-080]:  Title insurance reserves
bullet [304.6-090]:  Mortgage guaranty insurer to maintain statutory contingency reserve; release
bullet [304.6-100]:  Loss reserves; casualty insurance
bullet [304.6-110]:  Loss reserve; mortgage guaranty insurance
bullet [304.6-120]:  Short title
bullet [304.6-130]:  Calculation of reserve liabilities, annual valuation
bullet [304.6-140]:  Minimum standards
bullet [304.6-145]:  Minimum standards, operative dates
bullet [304.6-150]:  Commissioners reserve valuation method defined
bullet [304.6-155]:  Annuity and endowment contracts other than group annuity
bullet [304.6-160]:  Amount of aggregate reserves
bullet [304.6-170]:  Calculation of reserves
bullet [304.6-171]:  Requirement for actuarial opinion as to appropriate computation of reserves and related items and compliance with state law
bullet [304.6-180]:  Deficiency reserve; recognition of premium deficiency reserve
bullet [304.6-190]:  Appraisals for mortgage loans

SUBTITLE 7 Investments
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bullet [304.7-010]:  Scope of subtitle
bullet [304.7-012]:  Definitions
bullet [304.7-014]:  Application; investments that may be acquired and held as admitted assets; computation of limitations based on admitted assets; documentation; agreements to purchase securities in advance of their issuance; order to limit investment practice
bullet [304.7-240]:  Special investments of pension, retirement or profit sharing plan, life insurance, or annuity funds; specified separate accounts of insurer
bullet [304.7-250]:  Special investments of title insurers
bullet [304.7-263]:  Venture capital funds or pools
bullet [304.7-280]:  Conversion and incidental rights
bullet [304.7-320]:  Protective agreements and reorganization securities
bullet [304.7-330]:  Investments of foreign insurers
bullet [304.7-350]:  Valuation of assets
bullet [304.7-360]:  Definitions; deposits allowed; commingling of certain securities; records; rules and regulations
bullet [304.7-361]:  Duties of insurer's board of directors
bullet [304.7-363]:  Prohibited actions of insurers
bullet [304.7-365]:  Transactions in which officer or director of insurer has a financial interest
bullet [304.7-367]:  Administrative regulations
bullet [304.7-401]:  Application of KRS 304.7-401 to 304.7-423
bullet [304.7-403]:  Limits on investments
bullet [304.7-405]:  Rated credit instruments
bullet [304.7-407]:  Investment pools
bullet [304.7-409]:  Equity interests in business entities
bullet [304.7-411]:  Tangible personal property or equity interests acquired through partnerships, joint ventures, trust certificates, and similar instruments
bullet [304.7-413]:  Permitted acquisitions; loan-to-value ratio; exemption for certain mortgage loans and credit lease transactions; real estate; ratios relating to aggregate amount of investments
bullet [304.7-415]:  Securities lending, repurchase, reverse repurchase, and dollar roll transactions
bullet [304.7-417]:  Foreign investments and foreign currency transactions
bullet [304.7-419]:  Derivative transactions; hedging; income generation; counterparty exposure amounts
bullet [304.7-421]:  Loans on security of cash surrender value of life insurance policies
bullet [304.7-423]:  Investment practices that are allowed without regard to limitations of this subtitle
bullet [304.7-451]:  Application of KRS 304.7-451 to 304.7-473
bullet [304.7-453]:  Asset and reserve requirements; reconciliation and summary; Commissioner's actions if insurer is not in compliance
bullet [304.7-455]:  Limitations on investments that are guaranteed by a single person; investments in certain rating categories; Canadian investments
bullet [304.7-457]:  Rated credit investments
bullet [304.7-459]:  Investment pools
bullet [304.7-461]:  Equity interests in business entities
bullet [304.7-463]:  Tangible personal property or equity interests acquired through partnerships, joint ventures, trust certificates, and similar instruments
bullet [304.7-465]:  Permitted acquisitions; loan-to-value ratio; exemptions for certain mortgage loans and credit release transactions; real estate; ratios relating to aggregate amount of investments
bullet [304.7-467]:  Securities lending, repurchase, reverse repurchase, and dollar roll transactions
bullet [304.7-469]:  Foreign investments and foreign currency transactions
bullet [304.7-471]:  Derivative transactions; hedging; income generation; counterparty exposure amounts
bullet [304.7-473]:  Investment practices that are allowed without regard to limitations of KRS 304.7-451 to 304.7-473

SUBTITLE 8 Administration of Deposits
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bullet [304.8-010]:  Deposits of insurers
bullet [304.8-020]:  Deposits to be for benefit of policyholders, creditors, and states
bullet [304.8-030]:  Assets eligible for deposit
bullet [304.8-040]:  Home office real property as deposit
bullet [304.8-050]:  Other real property as deposit
bullet [304.8-080]:  Commonwealth not liable for safekeeping
bullet [304.8-090]:  Depositories
bullet [304.8-095]:  Deposits under trust agreement; insurer relieved of liability
bullet [304.8-100]:  Record of deposits
bullet [304.8-110]:  Inventory; certificate
bullet [304.8-120]:  Valuation; replenishment
bullet [304.8-130]:  Voluntary excess deposit
bullet [304.8-140]:  Dividends on, and exchange of deposited assets; collection by commissioner
bullet [304.8-150]:  Deposit of reserves by domestic life insurers
bullet [304.8-160]:  Levy upon deposit
bullet [304.8-170]:  Release of deposit
bullet [304.8-180]:  Access to and removal of deposits
bullet [304.8-190]:  Payments into examination expense revolving fund

SUBTITLE 9 Agents, Consultants, Solicitors, And Adjusters
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bullet [304.9-010]:  Application of subtitle
bullet [304.9-020]:  Definitions for subtitle
bullet [304.9-030]:  Available insurance agent licenses
bullet [304.9-035]:  Insurer liable for acts of its agents
bullet [304.9-040]:  'Consultant' defined
bullet [304.9-051]:  Definitions for KRS 304.9-052 and 304.9-371 to 304.9-377
bullet [304.9-052]:  Administrator; license requirements; service of process
bullet [304.9-080]:  Licensure requirements; forms
bullet [304.9-085]:  Managing general agent; license; duties
bullet [304.9-090]:  Exceptions to licensure requirements
bullet [304.9-100]:  Purpose of license; 'controlled business'; exceptions
bullet [304.9-105]:  General qualifications for agent license
bullet [304.9-107]:  Persons exempt from provisions of KRS 304.9-105(1)(e)1. and 2.; administrative regulations
bullet [304.9-120]:  Licensure of residents as agents
bullet [304.9-130]:  Licensing of business entities as agents
bullet [304.9-133]:  Individuals designated to act under business entity license; filing of designation notice; exercise of license; responsibility of insurer for acts of designated individuals
bullet [304.9-135]:  Requirements for financial institutions engaging in insurance agency activities; administrative regulations; activities of officers or employees of financial institution
bullet [304.9-140]:  Licensure of nonresidents as agents
bullet [304.9-150]:  Application for license issued under this subtitle, surplus lines broker license, life settlement broker license, or life settlement provider license
bullet [304.9-160]:  Examination for license; application for examination
bullet [304.9-170]:  Exemptions from prelicensing education or examination
bullet [304.9-180]:  Scope of examination; reference material
bullet [304.9-190]:  Conduct of examinations
bullet [304.9-200]:  Contents of license; change of address; refundability of fees
bullet [304.9-210]:  Specific contents of agent's and consultant's licenses
bullet [304.9-230]:  Limited line licenses; prelicensing requirements
bullet [304.9-240]:  Insurance vending machines
bullet [304.9-250]:  Authority under license; assignability
bullet [304.9-260]:  Continuation and expiration of license; receipt of renewal fees; continuing education documentation
bullet [304.9-270]:  Appointment of agents; criminal background check; continuation; permitted and prohibited actions by agents and insurers
bullet [304.9-280]:  Termination of licensee's appointment; notice requirements; civil immunity; confidential and privileged information; commissioner's use of information
bullet [304.9-290]:  Rights of agent following termination of appointment
bullet [304.9-295]:  Biennial continuing education requirements for licensed agents and independent and public adjusters; exceptions; courses; number of hours; failure to complete; penalty
bullet [304.9-300]:  Temporary license as agent; conditions; sponsor may be required
bullet [304.9-310]:  Temporay licenses; rights and limitations
bullet [304.9-320]:  Qualifications for license as consultant; coverage of consultant license
bullet [304.9-330]:  Consultant to file proof of liability insurance; consultant's deposit of cash or bond
bullet [304.9-350]:  Compensation of agent operating under a disclosure agreement; requirements
bullet [304.9-360]:  Obligation to serve interest of client
bullet [304.9-370]:  Service of process against nonresident licensee under this subtitle or surplus lines broker
bullet [304.9-371]:  Written agreement of administrator
bullet [304.9-372]:  Payments to administrator
bullet [304.9-373]:  Books and records maintained by administrator; access by commissioner
bullet [304.9-374]:  Administrator's use of advertising
bullet [304.9-375]:  Fiduciary accounts
bullet [304.9-376]:  Claims paid on behalf of insurer; compensation of administrator
bullet [304.9-377]:  Written notice to insureds when administrator's services utilized
bullet [304.9-390]:  Place of agent's business; display of licenses; records
bullet [304.9-400]:  Reporting and accounting for premiums
bullet [304.9-410]:  Exchange of business; excess or rejected risks; regulation of volume of business by commissioner
bullet [304.9-421]:  Sharing of commissions prohibited
bullet [304.9-425]:  Payment or acceptance of commission, brokerage, or other valuable consideration; exception
bullet [304.9-430]:  Independent, staff, or public adjuster's license; application by individual or business entity; qualifications; evidence of financial responsibility; exceptions to license requirement; temporary emergency registration following catastrophe; nonresident license
bullet [304.9-432]:  Apprentice adjuster; license; rights and limitations; application; qualifications; terms and conditions
bullet [304.9-433]:  Contract between public adjuster and insured; contents; duties of public adjuster
bullet [304.9-435]:  Records to be maintained by public adjusters
bullet [304.9-436]:  Authorized insurer prohibited from doing business in Kentucky with unlicensed adjuster or administrator
bullet [304.9-440]:  Probation, suspension, revocation, and refusal of license; grounds; penalty
bullet [304.9-450]:  Procedure following suspension, revocation, nonrenewal, or denial of license
bullet [304.9-460]:  Return of license to commissioner
bullet [304.9-465]:  Denial or suspension of license or appointment; conditional license; hearing
bullet [304.9-467]:  Notification of surrender or termination of license; report of administrative action; notification of service of complaint or indictment; documentation of resolution
bullet [304.9-470]:  Prohibited practices in replacement or repair of automobile glass; penalties
bullet [304.9-475]:  Travel insurance offered by travel retailer on behalf of limited lines travel insurance producer; requirements
bullet [304.9-495]:  Definitions for KRS 304.9-495 to 304.9-497
bullet [304.9-496]:  Operator of self-service storage facility may offer and sell insurance on behalf of a limited lines self-service storage space insurance producer; conditions; producer is responsible for operator's acts.
bullet [304.9-497]:  Required written consumer protection disclosures relating to self-service storage space insurance
bullet [304.9-505]:  License for business entity to act as rental vehicle agent; registration fee and licensed managing employee for each business location; application and qualifications for license
bullet [304.9-507]:  Conditions under which license authorizes employee or representative to transact business; licensee may not hold self out as insurance agent without applicable license
bullet [304.9-509]:  Consumer protection disclosures to be included with rental vehicle agreement
bullet [304.9-511]:  Rental vehicle agent may not handle insurance that is not sold in conjunction with rental vehicle transaction
bullet [304.9-700]:  Definitions for KRS 304.9-700 to 304.9-759
bullet [304.9-705]:  Reinsurance intermediary license required; exemption
bullet [304.9-710]:  Written authorization between reinsurance intermediary broker and an insurer
bullet [304.9-715]:  Records of transactions of reinsurance intermediary brokers
bullet [304.9-720]:  Insurers required to engage services of only licensed reinsurance intermediary brokers
bullet [304.9-725]:  Minimum contract provisions
bullet [304.9-730]:  Certain actions by reinsurance intermediary managers prohibited
bullet [304.9-735]:  Reinsurers required to engage services of only licensed reinsurance managers
bullet [304.9-740]:  Examination of reinsurance intermediaries
bullet [304.9-745]:  Suspension or revocation of license; imposition of penalties
bullet [304.9-750]:  Administrative regulations
bullet [304.9-759]:  Short title for KRS 304.9-700 to 304.9-759
bullet [304.9-780]:  Portable electronics insurance retailer license; duties of supervising entity; qualifications and application for license; penalties
bullet [304.9-782]:  Conditions under which license authorizes employee or representative to sell portable electronics insurance; restrictions on licensees
bullet [304.9-784]:  Duty to disclose information regarding portable electronics insurance coverage; standards; billing and collection of charges; notice and correspondence

SUBTITLE 10 Surplus Lines
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bullet [304.10-010]:  Short title
bullet [304.10-020]:  Exemptions from Surplus Lines Law
bullet [304.10-030]:  Definitions for Subtitle 10
bullet [304.10-040]:  Conditions for export; exceptions relating to diligent effort
bullet [304.10-050]:  Broker's affidavit
bullet [304.10-060]:  Open lines for export
bullet [304.10-070]:  Eligible surplus lines insurers
bullet [304.10-080]:  Evidence of the insurance; changes; penalty
bullet [304.10-090]:  Indorsement of contract
bullet [304.10-100]:  Surplus lines insurance valid
bullet [304.10-110]:  Liability of insurer as to losses and unearned premiums
bullet [304.10-120]:  Licensing of surplus lines brokers; reciprocity; termination
bullet [304.10-130]:  Suspension or revocation of broker's license
bullet [304.10-140]:  Broker's evidence of financial responsibility and bond
bullet [304.10-150]:  May accept business from agents
bullet [304.10-160]:  Records of broker
bullet [304.10-170]:  Quarterly statement of broker
bullet [304.10-180]:  Taxes on surplus lines
bullet [304.10-200]:  Legal process against surplus lines insurer
bullet [304.10-210]:  Rules and regulations
bullet [304.10-400]:  Surplus Lines Insurance Multi-State Compliance Compact

SUBTITLE 11 Unauthorized Insurers; Prohibitions And Process
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bullet [304.11-010]:  Short title
bullet [304.11-020]:  Unauthorized Insurer's Law; exemptions
bullet [304.11-030]:  Prohibition of unauthorized insurance business; applicability of law; liability of person acting as agent; commissioner's power to enjoin
bullet [304.11-040]:  Service of process on unauthorized persons doing acts of insurance business in Kentucky; requirements for defense of action; reports to commissioner required
bullet [304.11-042]:  Disclosure agreement for compensation received by an agent from an insurer or client for placement of insurance and service rendered to client
bullet [304.11-045]:  Jurisdiction over providers of health care benefits
bullet [304.11-050]:  Premium tax on unauthorized insurer

SUBTITLE 12 Trade Practices And Frauds
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bullet [304.12-010]:  Unfair competition; unfair, deceptive practices prohibited
bullet [304.12-013]:  Prohibited unfair or deceptive practices in the writing of insurance
bullet [304.12-020]:  Advertisements in general
bullet [304.12-030]:  Replacement life insurance; 'twisting' prohibited
bullet [304.12-035]:  Beneficiaries' Bill of Rights
bullet [304.12-040]:  False financial statements
bullet [304.12-050]:  Advertisement of assets, liabilities
bullet [304.12-060]:  Defamation
bullet [304.12-070]:  Boycott, coercion and intimidation
bullet [304.12-080]:  Unfair discrimination prohibited
bullet [304.12-085]:  Denial of insurance because of race, color, religion, national origin, or sex prohibited; genetic tests
bullet [304.12-090]:  Rebates prohibited
bullet [304.12-100]:  Exceptions to discrimination and rebate prohibition
bullet [304.12-110]:  Illegal inducements prohibited
bullet [304.12-112]:  Prohibition against advertising, offering, or providing free insurance concerning consumer goods or related services
bullet [304.12-120]:  Desist order for defined or prohibited practices
bullet [304.12-130]:  Curtailment of undefined practices
bullet [304.12-140]:  Coercion in requiring insurance
bullet [304.12-150]:  Notice of free choice of agent or insurer
bullet [304.12-160]:  Certain fees for handling insurance transactions in connection with loans prohibited
bullet [304.12-180]:  Interlocking ownership, management
bullet [304.12-190]:  Illegal dealing in premiums
bullet [304.12-200]:  Insurer name; deceptive use prohibited
bullet [304.12-211]:  Domestic violence and abuse as reason for insurer's limitation or denial of coverage
bullet [304.12-215]:  Discrimination on basis of blindness prohibited; application
bullet [304.12-220]:  Definition
bullet [304.12-230]:  Unfair claims settlement practices
bullet [304.12-235]:  Time of payment of claims
bullet [304.12-240]:  Regulations relating to payment and disclosure by life insurers when funds are used for preneed funeral contracts or prearrangements
bullet [304.12-250]:  Exclusion of work-related health condition as unfair or deceptive trade practice for health insurance policies
bullet [304.12-255]:  Refusal to provide requested Medicaid information as unfair or deceptive trade practice for health insurer or administrator
bullet [304.12-257]:  Administrative regulations to protect Armed Forces service members from dishonest and predatory insurance sales practices
bullet [304.12-260]:  Prohibition against refusal of liability insurer to pay on policy for school's posting of Ten Commandments
bullet [304.12-270]:  Prohibited actions in connection with rental reimbursement coverage under automobile insurance policy
bullet [304.12-275]:  Claimant's right to repair facility of choice; appraisal of damaged vehicle to include notice of right to choose; exemption

SUBTITLE 13 Rates And Rating Organizations
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bullet [304.13-011]:  Definitions for subtitle
bullet [304.13-021]:  Scope of KRS 304.13-011 to 304.13-161
bullet [304.13-031]:  Rate standards in noncompetitive market
bullet [304.13-041]:  Monitoring market competition
bullet [304.13-051]:  Filing rates and rate information; when filing becomes effective
bullet [304.13-053]:  Filing procedures for rates for use after December 31, 1998
bullet [304.13-055]:  Reduction of rates effective upon filing
bullet [304.13-057]:  Rates based on Kentucky experience
bullet [304.13-058]:  Rate increases to apply prospectively
bullet [304.13-061]:  Information that may support rate filing; administrative regulations on recording and reporting rates and other information
bullet [304.13-063]:  Automobile liability and physical damage insurance provision for reduction in premium charges
bullet [304.13-065]:  Premium reductions for motor vehicles eqipped with antitheft device
bullet [304.13-071]:  Disapproval of rates and rate filings
bullet [304.13-075]:  Exceptions to insurer's use of credit information
bullet [304.13-081]:  Filings open to inspection; consumer information system
bullet [304.13-091]:  License for advisory organization, statistical agent, or form provider; refusal to supply services; application for license; fees
bullet [304.13-100]:  Excess rates
bullet [304.13-111]:  Advisory organization or statistical agent activities prohibited
bullet [304.13-121]:  Authorized activities for advisory organizations
bullet [304.13-131]:  Insurer and advisory organization activities prohibited
bullet [304.13-141]:  Examination of insurers, pools, advisory organizations, statistical agents, form providers, residual market, and joint underwriting organizations
bullet [304.13-151]:  Insurer participation in pools, joint underwriting, joint reinsurance pools, and residual market mechanisms
bullet [304.13-161]:  Review of appliation of rating system to an insured; appeal to commissioner; notification of review rights to workers' compensation insureds
bullet [304.13-163]:  Authorized activities for statistical agents
bullet [304.13-165]:  Information to be filed by advisory organization
bullet [304.13-167]:  Workers' compensation insurers; uniform classification and experience rating systems; reporting; subclassifications, rating plans, and other variations from manual rules; credit for drug-free workplace program
bullet [304.13-169]:  Withholding information or giving false information
bullet [304.13-171]:  Property or casualty insurance policy underwriting fee; requirement for prior approval
bullet [304.13-320]:  Penalty for violation
bullet [304.13-335]:  Certain rates to be based on Kentucky experience
bullet [304.13-340]:  Phase-out of Workers' Compensation Insurance Plan; transfer of insureds to Employers' Mutual Insurance Authority
bullet [304.13-350]:  Functions of commissioner
bullet [304.13-355]:  Appeal of fire protection classification
bullet [304.13-360]:  Investigatory powers of the commissioner
bullet [304.13-365]:  Hearing; final orders
bullet [304.13-370]:  Increase in fire insurance premiums prohibited until the running of the appeal period or until approval by the board of the classification assigned
bullet [304.13-380]:  Reports of fire calls by fire departments; monthly summaries to be sent to commissioner
bullet [304.13-390]:  Failure of insurer to report losses from fire to state fire marshal; notification to commissioner; penalty
bullet [304.13-400]:  Deductible workers' compensation policy
bullet [304.13-410]:  Premium reduction for deductible workers' compensation policy
bullet [304.13-412]:  Worker's compensation premium; credit for certified drug-free workplace program at coal mine
bullet [304.13-415]:  Experience modification factor for workers' compensation; written explanation to workers' compensation policyholders; authority for administrative regulations
bullet [304.13-420]:  Financial responsibility requirement

SUBTITLE 14 The Insurance Contract
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bullet [304.14-010]:  Scope of subtitle
bullet [304.14-020]:  'Policy' defined
bullet [304.14-030]:  'Premium' defined; 'late charge' authorized
bullet [304.14-040]:  Insurable interest
bullet [304.14-050]:  Insurable interest; exception when certain institutions designated beneficiary
bullet [304.14-060]:  Insurable interest, property
bullet [304.14-070]:  Power to contract; puchase of insurance by minors
bullet [304.14-080]:  Consent of insured; life, health insurance
bullet [304.14-085]:  Violation of insurable interest for person without insurable interest to pay premiums on life insurance in exchange for ownership in death benefit
bullet [304.14-090]:  Alteration of application
bullet [304.14-100]:  Application as evidence
bullet [304.14-110]:  Representations in applications
bullet [304.14-120]:  Filing and approval of forms
bullet [304.14-130]:  Grounds for disapproval
bullet [304.14-135]:  Uniform health insurance claim forms
bullet [304.14-140]:  Standard provisions, in general
bullet [304.14-150]:  Contents of policies in general
bullet [304.14-160]:  Additional policy contents
bullet [304.14-170]:  Charter, bylaw provisions
bullet [304.14-180]:  Must contain entire contract; exception concerning additional benefits
bullet [304.14-190]:  Execution of policies
bullet [304.14-200]:  Underwriters' and combination policies
bullet [304.14-210]:  Validity and construction of noncomplying forms
bullet [304.14-220]:  Binders
bullet [304.14-230]:  Delivery of policy
bullet [304.14-240]:  Renewal of policy
bullet [304.14-250]:  Assignability; rights of insurer, assignee
bullet [304.14-260]:  Payment discharges insurer
bullet [304.14-270]:  Forms for proof of loss furnished
bullet [304.14-280]:  Claims administration not waiver
bullet [304.14-290]:  Dividends payable to real party
bullet [304.14-300]:  Exemptions of proceeds, life insurance
bullet [304.14-310]:  Exemption of proceeds, helath insurance
bullet [304.14-320]:  Exemption of proceeds, group insurance
bullet [304.14-330]:  Exemption of proceeds, annuity contracts; assignability of rights
bullet [304.14-340]:  Rights of married women in life insurance
bullet [304.14-350]:  Retention of proceeds of policy by company
bullet [304.14-360]:  Construction of policies
bullet [304.14-370]:  Jurisdiction of courts, limitation of actions
bullet [304.14-375]:  Time limit for seeking reimbusement of health insurance overpayment
bullet [304.14-380]:  Venue of suits against insurers
bullet [304.14-400]:  Interest on payment from insuring company
bullet [304.14-410]:  User by insurer of itemized statement furnished to paying patient prohibited
bullet [304.14-420]:  Minimum standards regulations
bullet [304.14-430]:  Policy cover sheet; commissioner approval
bullet [304.14-435]:  English language requirement for forms, policy, and claim-related information; requirements for non-English version; use and effect of translations
bullet [304.14-440]:  Policies to be readable; factors to be considered
bullet [304.14-450]:  Policies to be legible; factors to be considered; type face style approved by commissioner
bullet [304.14-500]:  Definitions for KRS 304.14-510 to 304.14-550
bullet [304.14-510]:  Minimum standards regulations
bullet [304.14-520]:  Claim denial restriction
bullet [304.14-530]:  Regulations establishing minimum standards for loss ratios
bullet [304.14-540]:  Outline of coverage to be delivered to applicant
bullet [304.14-545]:  Cancellation of Medicare supplement; return of unearned premium
bullet [