Chapter 175: INSURANCE

Section 1: Definitions
Section 2: Insurance contract; definition
Section 2A: Reinsurance contracts; status
Section 2B: Readability of policy form; definition; approval; actions based on language
Section 3: Unauthorized insurance, annuity or variable annuity contracts; prohibition
Section 3A: Administration and enforcement of insurance laws by commissioner of insurance; report of violations
Section 3B: Action for injunction restraining violations of chapter
Section 3C: Promulgation of regulations defining certain terms relating to medical insurance
Section 4: Examination of companies
Section 4A: Provision of data to commissioner by homeowners insurers and joint underwriting association; access to confidential data; annual report to general court
Section 4B: Annual report to commissioner of cancellations and non-renewals of homeowners policies
Section 4C: Nondiscrimination in provision, renewal, or cancellation of homeowners insurance
Section 4D: Coverage to be made available to residential owners for release of heating oil
Section 4E: Refusal to issue or renew private passenger motor vehicle insurance policy based on credit information prohibited
Section 5: Revocation or suspension of license of foreign company; grounds; notice; appeal
Section 6: Injunction and appointment of receiver for domestic company; grounds
Section 7: Repealed, 1925, 154, Sec. 6
Section 8: Repealed, 1924, 406, Sec. 17
Section 8A: Summoning of witnesses
Section 9: Computation of reserve liability or net value of life company with respect to policies or contracts
Section 9A: Computation of claim fluctuation reserve of domestic life insurance company
Section 9B: Annual actuary opinion
Section 10: Liability of company other than life company and health maintenance organization upon its contracts of insurance
Section 11: Computation of assets and liabilities
Section 11A: Valuation of investments
Section 12: Computation of reserve required of liability company
Section 12A: Repealed, 2004, 123, Sec. 11
Section 13: Repealed, 1923, 39, Sec. 3
Section 14: Charges and fees
Section 14A: Committee on Valuation of Securities of National Association of Insurance Commissioners; assessment of expenses
Section 15: Repealed, 1993, 226, Sec. 14
Section 16: Record of proceedings; certified copies
Section 17: Annual report to the general court
Section 18: Conduct of business in corporate name; publication of assets and liabilities
Section 19: Repealed, 1931, 426, Sec. 273
Section 19A: Merger or consolidation; domestic corporations
Section 19B: Merger or consolidation; formation of foreign corporation
Section 19C: Merger or consolidation; rights of minority stockholders
Section 19D: Conversion from stock to mutual company
Section 19E: Conversion from mutual to stock company
Section 19F: Reorganization as domestic stock insurer owned by mutual holding company
Section 19G: Definitions applicable to Secs. 19F to 19W
Section 19H: Plan of reorganization; public hearing; approval of plan; meeting
Section 19I: Receipt of fee, commission or valuable consideration for aiding, promoting or assisting in reorganization
Section 19J: Withdrawal or amendment of plan of reorganization
Section 19K: Issuance of certificate of authority to reorganized insurer; approval of articles of organization; status upon effective date of plan; rights of members
Section 19L: Actions concerning plan or proposed plan of reorganization or plan amendment or proposed plan amendment
Section 19M: Amendment of amended articles of organization or plan of reorganization upon effective date; vote
Section 19N: Continued use of word ''mutual'' in name of reorganized insurer
Section 19O: Transfer of assets and liabilities of reorganized insurer
Section 19P: First offer of voting stock after effective date of plan of reorganization; application
Section 19Q: Mutual life insurer as reorganizing insurer; establishment of closed block or alternate method for protection of existing policyholders' contractual rights
Section 19R: Additional requirements applicable to reorganizing insurers, intermediate stock holding companies and mutual holding companies
Section 19S: Merger or consolidation of two or more mutual holding companies; written agreement of terms and conditions; pending actions, obligations and liabilities
Section 19T: Domestic mutual insurance company reorganizing with existing domestic or foreign mutual holding company; terms and conditions
Section 19U: Conversion of domestic mutual holding company into domestic stock corporation
Section 19V: Transactions entered into by mutual insurers for purpose of avoiding total gross investment income earned excise
Section 19W: Promulgation of regulations
Section 19X: Disclosure by mutual companies of compensation paid to executive officers and directors
Section 20: Reinsurance
Section 20A: Credit for reinsurance; requirements
Section 21: Limitation of amount insured in single risk; penalty
Section 22: Unauthorized policy provisions; effect
Section 22A: Combination of hazards; approval
Section 22B: Waivers of provisions of this chapter; prohibition; penalty
Section 22C: Cancellation of motor vehicle policies
Section 22D: Statement of reasons for cancellation; liability
Section 22E: Refusal to issue, renew or execute motor vehicle liability policy or bond
Section 22F, 22G: Repealed, 1973, 551, Sec. 3
Section 22H: Refusal to issue or renew motor vehicle liability policies or bonds; suspension of license; public hearings; definitions
Section 22I: Amounts received in settlement of claims retained for unpaid premiums
Section 23: Life company; impairment of funds; issuance of policies; penalty
Section 23A: Certain occurrences affecting insurance companies; notice to commissioner
Section 24: Life insurance policies; accidental death, disability benefits; approval
Section 24A: Refusal to issue policy or limits on coverages based on sex of insured; prohibition
Section 24B: Modification in covered services or payments; prior notice of modification; contents of notices
Section 24C: Repealed, 1996, 376, Sec. 1
Section 24D: Lump sum insurance payments; exchange of claimant information between IV–D agency and insurance companies; withholding of past-due child support subject to lien
Section 24E: Duty to assist recovery of public benefits; denial of claims; penalties; electronic access; wrongful use; emergencies
Section 24F: Duty to exchange information with department of revenue; definitions; penalties for failure to exchange information; exceptions
Section 25: Annual statements; form; contents
Section 25A: Workers' compensation providers; annual reports; contents
Section 26: Failure to make and file annual statements; penalty
Section 27: Annual statements; inclusion of schedule of claims made subject of suits
Section 28: Undue delay or litigation of claims; commissioner's report to general court
Section 29: Companies subject to this chapter
Section 30: Applicability of other laws to certain domestic companies; ''stockholder'' defined
Section 31: Continuation of certain domestic companies
Section 31A: Domestic companies formed by special acts; extension of territorial limits
Section 32: Commencement of domestic company business; certificate; conditions precedent
Section 33: Policies and endorsements; signatures; facsimile
Section 34: Home office; change of address; perjury
Section 35: Salaries of officers, trustees or directors of domestic company; authorization; limitations
Section 36: Pension for domestic company employees
Section 36A: Agents and agency employees; retirement or insurance benefits
Section 36B: Health and accident insurance companies; employees insurance benefits
Section 37: Vouchers for disbursements
Section 37A: Relief fund contributions by domestic company; charitable, scientific or educational contributions
Section 38 to 43: Repealed, 1923, 120
Section 44: Failure of domestic company to timely commence business; organization under special act; withdrawal from insurance business and continuance as business corporation
Section 45: Unauthorized agencies; penalty
Section 46: Insolvent domestic companies; preference of claims for unpaid losses
Section 46A: Insolvent domestic workers' compensation insurer; preference of claims for unpaid losses under workers' compensation policies
Section 46B: By-laws of domestic insurance companies; filings
Section 47: Purposes for which companies may be incorporated under this chapter
Section 47A: Businesses in which domestic insurance company may engage
Section 47B: Mental health benefits; biologically-based mental disorders; mental disorders of rape victims; non-biologically-based mental disorders of children and adolescents under age 19
Section 47C: Dependent coverage for newborn infants or adoptive children; inclusion in policies of accident and sickness insurance
Section 47D: Cardiac rehabilitation expense benefits
Section 47E: Certified nurse midwife services benefits
Section 47F: Prenatal, childbirth and postpartum care benefits; minimum coverage for in-patient care
Section 47G: Cytologic screening and mammographic examination expense benefits
Section 47H: Infertility, pregnancy-related benefits
Section 47I: Nonprescription enteral formulas for home use
Section 47J: Standardized claim form
Section 47K: Off-label drug use; cancer treatment
Section 47L: Off-label drug use; cancer; review panel
Section 47M: Repealed, 1996, 450, Sec. 208
Section 47N: Items medically necessary for diagnosis and treatment of diabetes
Section 47O: HIV/AIDS treatment; insurance coverage for certain off-label use of prescription drugs
Section 47P: Off-label use of prescription drugs for HIV/AIDS treatment; advisory panel
Section 47Q: Insurance benefits for services rendered by nurse anesthetists and nurse practitioners
Section 47R: Accident and sickness insurance benefits for bone marrow transplants
Section 47S: Accident and sickness insurance benefits for licensed hospice services
Section 47T: Scalp hair prostheses necessary due to cancer or leukemia treatment
Section 47U: Emergency services provided to insureds for emergency medical conditions
Section 47V: Coverage for human leukocyte or histocompatibility locus antigen testing
Section 47W: Outpatient services; hormone replacement therapy for peri and post menopausal women; contraceptive services; approved prescription contraceptive drugs or devises; exception
Section 47X: Diagnosis and treatment of speech, hearing and language disorders
Section 47Y: Coverage for medically necessary hypodermic syringes or needles
Section 47Z: Coverage for prosthetic devices and repairs
Section 47AA: Coverage for diagnosis and treatment of autism spectrum disorder
Section 47BB: Coverage for telemedicine services
Section 47CC: [There is no 175:47CC.]
Section 47DD: Coverage for orally administered anticancer medications
Section 47EE: Coverage for abuse deterrent opioid drug products
Section 47FF: Preauthorization or substance abuse treatment not to be required
Section 47GG: Coverage for medically necessary acute treatment and clinical stabilization services
Section 47HH: Coverage for long-term antibiotic therapy for patients with Lyme disease
Section 47II: Coverage for medical or drug treatments to correct or repair disturbances of body composition caused by HIV associated lipodystrophy syndrome
Section 48: Stock companies; formation; capital; stock; options; promoter defined
Section 48A: Mutual companies; formation; capital and surplus
Section 48B, 48C: Repealed, 1968, 391, Sec. 7
Section 49: Formation of corporation
Section 49A: Domestic insurers; requirements; transfer of domicile
Section 50: Stock companies; amendment of articles of organization
Section 50A: Mutual companies; amendment of articles of organization
Section 50B: Amendment of articles of organization; submission; approval; filing; effective date
Section 51: Domestic stock companies; kinds of business that may be transacted; power to combine
Section 52: Repealed, 1928, 106, Sec. 5
Section 53: Repealed, 1922, 76
Section 54: Domestic mutual companies; kinds of business that may be transacted; power to combine
Section 54A: Domestic companies; risks and hazards in other states
Section 54B: Reinsurance of risks; exceptions
Section 54C: Motor vehicle insurance
Section 54D: Personal property floater
Section 54E: Dwelling houses; comprehensive and medical coverages
Section 54F: Commercial property, goods in storage or transit, and other merchandise or equipment; coverage by certain companies in fire insurance policies
Section 54G: Reinsurance or pooling of risks by life insurance companies; regulations; approval and certificate; restrictions
Section 55: Continuation of mutual companies organized to transact employers' liability insurance or steam boiler insurance
Section 56: Fraternal societies; reincorporation
Section 57: Domestic stock companies; directors; quorum
Section 58: Domestic stock companies; duties of directors
Section 59: Domestic stock companies; president and secretary; duties; records; inspection
Section 60: Domestic stock companies; bonds of officers
Section 61: Repealed, 1970, 876, Sec. 19
Section 62: Domestic stock companies; liability of officers
Section 63: Capital and reserve; payment; investment
Section 63A: Limitation on acquisition of or investment in medium grade or lower grade obligations
Section 64: Investments
Section 65: Investment in loans upon mortgages
Section 66: Life companies; investments
Section 66A: Life companies; acquisition of housing projects; limitations
Section 66B: Life companies; acquisition of realty; limitations
Section 66C: Life companies; investment in stock of insurance companies
Section 66D: Life companies; investment in and acquisition of stock of subsidiary corporations
Section 66E: Life companies; investment in limited partnership interests
Section 66F: Acquisition of interest in limited liability company by domestic life company
Section 67: Life companies; charter limitations on investments; exception
Section 68: Unauthorized investments; disposition
Section 69: Impaired capital; assessment; effect of non-compliance with commissioner; order
Section 70: Increase of stated capital
Section 71: Reduction of stated capital
Section 72: Dividends
Section 73: Mutual fire companies; solicitation of business; issuance of policies; restrictions; penalties
Section 74: Mutual fire companies; further insurance by certain companies; certificates
Section 75: Mutual fire companies; underwriters; compensation
Section 76: Mutual fire companies; members; annual meetings; voting rights
Section 77: Mutual fire companies; directors
Section 78: Mutual fire companies; laws applicable; records; perjury; inspection; jurisdiction
Section 79: Mutual fire companies; guaranty capital; dividends; retirement
Section 80: Mutual fire companies; dividends; accumulated profits
Section 81: Mutual fire companies; premiums; contingent liability
Section 82: Mutual fire companies; power of certain companies to take deposit notes
Section 83: Mutual fire companies; assessments
Section 84: Mutual fire companies; review or order of assessment by supreme judicial court
Section 85: Mutual fire companies; penalty for guaranty against assessments; personal liability of officers
Section 85A: Mutual fire companies; non-assessable policies; issuance
Section 86: Mutual marine companies; subscribers; losses; dividends; redemption fund
Section 87: Repealed, 1934, 22
Section 88: Mutual marine companies; applicability of Secs. 76, 77 and 78
Section 89: Mutual marine companies; liability of president or director
Section 90: Provisions relating to mutual fire companies applicable to other mutual companies
Section 90A: Policies; issuance by mutual fire and marine and automobile companies; conditions precedent
Section 90B: Policies; issuance by mutual fidelity and corporate surety companies; guaranty capital; members
Section 90C: Guaranty fund; creation in lieu of guaranty capital by certain mutual companies
Section 91: Repealed, 1924, 406, Sec. 17
Section 92: Mutual boiler companies; issuance of policies
Section 93: Mutual liability companies; issuance of policies
Section 93A: Miscellaneous mutual companies; issuance of policies
Section 93B: Mutual surety, liability and casualty companies; issuance of policies; condition precedent
Section 93C: Mutual surety, liability and casualty companies; guaranty fund; establishment
Section 93D: Mutual surety, liability and casualty companies; impairment of guaranty capital or decrease in business; effect
Section 93E: Mutual life, liability and casualty companies; issuance of policies; dividends
Section 93F: Non-assessable policies; issuance
Section 94: Mutual life companies; members, voting rights; selection and qualifications of directors
Section 94A: Definitions applicable to Secs. 94B to 94M and remainder of this chapter, and to chapter 152
Section 94B: Exchange of reciprocal or inter-insurance contracts
Section 94C: Domestic exchange; organization; preliminary certificate
Section 94D: Domestic exchange; provisional and permanent certificates to transact business; application and declaration
Section 94E: Foreign exchange; license to transact business; application and declaration; requirements
Section 94F: Examination of application and declaration by commissioner; issuance of license to transact business
Section 94G: Issuance of insurance contracts; conditions precedent
Section 94H: Required amount of assets, surplus and reserve maintained in hands of attorney in fact; applicability of other laws to exchanges
Section 94I: Annual reporting by reciprocal insurance exchange; examination of affairs of exchange by commissioner
Section 94J: Applicability of chapter to contracts of reciprocal or inter-insurance and exchanges thereof, attorneys in fact and other representatives
Section 94K: Advisory committee
Section 94L: Power of attorney
Section 94M: Unused premium deposits
Section 94N: Domestic exchange; conversion to or merger with domestic mutual insurance company
Section 95: Fire insurance policy of amount exceeding fair value of property or for term of longer than seven years prohibited
Section 95A: Requirement of fire insurance policy exceeding amount of outstanding mortgage prohibited
Section 95B: Discrimination against abuse victim in any term or condition of residential property insurance policy prohibited
Section 96: Fire loss; limitation on liability beyond actual value of insured property; reimbursement of premium paid on amount in excess of actual value
Section 96A: Loss of use or occupancy; limitations
Section 97: Payment to mortgagees under fire insurance policy
Section 97A: Claims for loss or damage to real property in amount greater than five thousand dollars; priority of claims of city or town for payment of municipal liens
Section 98: Application for fire insurance
Section 99: Standard form and content of policies or contracts insuring against loss or damage by fire or by fire and lightning
Section 99A: Loss or damage caused by nuclear reaction, nuclear radiation or radioactive contamination
Section 99B: Property insurance for business, professional or governmental operation; multi-peril homeowners insurance for condominiums
Section 99C: Sailmaker shops; insurance against damage or loss by fire or fire and lightning
Section 100: Reference of amount of loss under policy of fire insurance to referees; selection of referees
Section 100A: Reference of amount of loss under policy of fire insurance to referees; appointment of replacement referee
Section 100B: Reference of amount of loss under policy of fire insurance to referees; qualification of referee
Section 101: Reference of amount of loss under policy of fire insurance to referees; timing of hearing
Section 101A: Reference of amount of loss under policy of fire insurance to referees; publication and delivery of award
Section 101B: Reference of amount of loss under policy of fire insurance to referees; liability of company and insured for compensation and expenses of third referee; review by commissioner
Section 101C: Reference of amount of loss under policy of fire insurance to referees; payment of charges of third referee
Section 101D: Determination by referees of sound value of property affected
Section 101E: Reference of amount of loss or sound value of affected property under policy of fire insurance to referees; non-waiver of legal defenses to claim
Section 101F: Reference of amount of loss or sound value of affected property under policy of fire insurance to referees; penalty for non-compliance with Secs. 100, 101A or 101D
Section 101G: Reference of amount of loss or sound value of affected property under policy of fire insurance to referees; effect of appointment of receiver for domestic fire company
Section 101H: Sound value
Section 102: Proof of loss; written notice of fire in lieu of sworn statement specified by Sec. 99
Section 102A: Combination policies; contents; commissioner's approval
Section 102B: Combination policies; mutual companies
Section 102C: Policy against loss or damage to property by radioactive contamination; form; contents; requisites
Section 102D: National flood insurance program; authorization of participating companies to issue policies; proof of loss; service of process
Section 102E: Crime insurance policies
Section 103: Repealed, 1923, 336, Sec. 2
Section 104: Repealed, 1947, 614, Sec. 2
Section 105: Fidelity and corporate surety companies; powers
Section 106: Foreign fidelity and corporate surety companies; deposit with state treasurer
Section 107: Surety bonds; status
Section 108: Accident and health insurance policies; commissioner's approval; contents
Section 108A: Refusal to issue policy of accident and sickness insurance for reason of blindness or deafness prohibited
Section 108B: Inclusion of registered dentists within meaning of ''physician'' or ''doctor'' as used in policies of accident and sickness insurance or contracts for health care, services or benefits
Section 108C: Discrimination in issuance, denial, cancellation, renewal or rates of policy of accident and sickness insurance for reason of exposure to diethylstilbestrol or DES compounds prohibited
Section 108D: Reimbursement for chiropractic services
Section 108E: Disclosure of information relating to outpatient diagnosis or treatment of mental or nervous conditions
Section 108F: Repealed, 1993, 110, Sec. 201
Section 108G: Discrimination in issuance, denial, cancellation, renewal or rates of policy of accident and sickness insurance based on information that individual has been victim of abuse prohibited
Section 108H: Terms of accident or sickness insurance policies; genetic tests; discrimination based on genetic information
Section 108I: Disability or long term care insurance policies; genetic tests; discrimination based on genetic information
Section 108J: Disability insurance policies; discrimination based upon lawful travel experiences or plans prohibited
Section 108K: [There is no 175:108K.]
Section 108L: Attribution of members to a primary care provider
Section 108M: Disclosure of patient-level data and contracted prices of individual health care services by carriers to providers
Section 109: Repealed, 1954, 275, Sec. 2
Section 110: General or blanket policies; power to issue; non-applicability of Sec. 108
Section 110A: Disability insurance; exemption from attachment; exception
Section 110B: Non-payment of premium of accident, health or individual life insurance policy; termination or lapse of policy; notice; limitation of action
Section 110C: Health insurance of persons over 65; issuance by two or more companies
Section 110D: Continuation of coverage after insured leaves group covered by general or blanket policy
Section 110E: Standards for disclosure of form, content and advertising of accident and sickness insurance policies; rules and regulations; enforcement procedures and penalties
Section 110F: Effect of federal social security benefit increase upon payment of benefits under disability policy
Section 110G: Continuation of coverage under group hospital, surgical or medical insurance plan upon involuntary layoff or death of member
Section 110H: Cancellation of policy of accident and health upon insured reaching age 65; notice to insured
Section 110I: Continuation of coverage under group hospital, surgical, medical or dental insurance plan upon divorce or separation of member
Section 110J: Group policies issued to trustees of fund appointed by council on aging
Section 110K: Alternative dental coverage option
Section 110L: Clinical trials; definitions; coverage
Section 110M: Statements provided to individuals provided with creditable coverage; reports
Section 111: Beneficiary; power to sue
Section 111A: Liability insurance; combination policies; contents; commissioner's approval
Section 111B: Liability insurance; combination policies; issuance by mutual companies; notice of reduced or eliminated coverages
Section 111C: Medical pay provisions
Section 111D: Uninsured vehicle endorsement
Section 111E: Professional liability policies
Section 111F: Medical reports; furnishing copy to injured person or attorney
Section 111G: Extent of family coverage; stated deductible amount
Section 111H: Liability insurance for residential property owners complying with lead poisoning prevention guidelines
Section 112: Payment of losses; regulations
Section 112A: Liquor liability insurance; coverage
Section 112B: Cancellation of liquor liability insurance by insurer; notice to insured and to licensing authorities
Section 112C: Disclosure of coverage limits to claimants; penalty
Section 113: Judgment; satisfaction
Section 113A: Motor vehicle liability policies; contents; commissioner's approval; options to purchase policies or bonds; notice of reduced or eliminated coverages
Section 113B: Classification of risks and premium charges in connection with motor vehicle liability policies or bonds
Section 113C: Notice to registrar of companies authorized to issue motor vehicle liability policies or to act as surety upon motor vehicle liability bonds; mandatory offer of additional coverage; limits
Section 113D: Cancellation of motor vehicle liability policy; proceedings; review
Section 113E: Deposit premiums
Section 113F: Notice of intent to not issue, extend or renew motor vehicle liability policy or to execute or act as surety on motor vehicle liability bond
Section 113G: Officers, directors and employees of company issuing or executing motor vehicle liability policies or bonds; financial interest in companies or agencies; restrictions
Section 113H: Assigned risk plans
Section 113I: Freedom of contract between insurers and agents or brokers; manner of issuing policies
Section 113J: Furnishing of reports of medical examinations of person injured in motor vehicle accident
Section 113K: Minors; contracts for motor vehicle liability insurance
Section 113L: Uninsured motorists; insufficient liability limits; coverage
Section 113M: Repealed, 1981, 775, Sec. 3
Section 113N: Medical examination of applicant for motor vehicle liability policy or bond prohibited
Section 113O: Fire and theft or comprehensive coverage; payments for loss or damage to insured vehicle; statements to police; claim forms; actions for nonpayment
Section 113P: Appeals from application of safe driver insurance plan
Section 113Q: Inclusion of automobile club memberships in automobile insurance policy prohibited
Section 113R: Interest on refunds of overpayments or overdue payments of motor vehicle liability insurance premiums
Section 113S: Inspection of vehicles prior to provision of coverage
Section 113T: Repair shop coverage
Section 113U: Antique motor car policies
Section 113V: Overutilization of practice or fraud involving automobile insurance claims; medical licensing boards; investigations
Section 113W: Hospitality mutual insurance company; conversion of liquor legal liability joint underwriting association; authorized transactions; board of directors
Section 113X: Motor vehicle glass repair covered by motor vehicle liability insurance; prohibited acts by insurers; penalty
Section 114: Title insurance companies; applicability of chapter
Section 115: Repealed, 1924, 406, Sec. 17
Section 116: Title guarantee funds
Section 116A: Foreign title insurance companies; applicability of chapter
Section 117: Steam boiler insurance; term of policy
Section 117A: Marine and sprinkler leakage insurance; combination policies; contents; commissioner's approval
Section 117B: Credit insurance; combination policies; contents; commissioner's approval
Section 117C: Determination of premium rates with respect to credit life insurance and credit accident and health insurance; filing; reports
Section 117D: Credit involuntary unemployment insurance
Section 118: Life company defined
Section 119: Domestic life companies; power to make pure endowment contracts and grant annuities
Section 119A: Proceeds of annuity contract or policy of life insurance retained by life company; alienation, assignment, etc. by beneficiary
Section 119B: Refund of prepaid individual life insurance premiums upon death of insured
Section 119C: Interest on proceeds payable under policy of individual life insurance upon death of insured
Section 120: Discrimination by life company in amount or payment of premiums or rate charged, in benefits payable, or in any other term of contract prohibited
Section 120A: Refusal to issue policy of individual life insurance for reason of mental retardation prohibited
Section 120B: Refusal to issue policy of individual life insurance for reason of blindness prohibited
Section 120C: Discrimination in cancellation, issuance, renewal or rates of policies on the lives of persons for reason of exposure to diethylstilbestrol or DES compounds prohibited
Section 120D: Discrimination in cancellation, issuance, renewal or rates of policies of life insurance or endowment insurance for reason that individual has been victim of abuse prohibited
Section 120E: Unfair discrimination based on results of genetic test or the provision of genetic information prohibited; genetic tests as condition to issuance or renewal of policy on the life of person prohibited
Section 120F: Discrimination in terms or conditions of group or individual annuity, pure endowment contract or certificate prohibited
Section 121: Sale or purchase of securities in connection with contract of life or endowment insurance or annuity prohibited
Section 122: Discrimination against colored persons of African descent in conditions and premium charged for policies of life insurance prohibited
Section 122A: Discrimination based upon lawful travel experiences or plans prohibited; life insurance policies
Section 123: Application for issuance of policy of life or endowment insurance; change of designation of beneficiary
Section 123A: Insurable interest of corporation in the life or physical or mental ability of corporate director, officer, employee, etc
Section 124: Claims under policy issued by life company; binding effect of statements in application for life insurance policy issued without medical examination
Section 125: Beneficiaries of policy of life or endowment insurance; entitlement to proceeds against creditors of person effecting policy
Section 126: Policy of life or endowment insurance payable to or for the benefit of a married woman
Section 127: False or fraudulent statements in application for life or endowment insurance; penalties
Section 128: Age of competency to contract for life or endowment insurance
Section 128A: Repealed, 1975, 111, Sec. 1
Section 129: Plain description upon face of policy of life or endowment insurance or annuity required
Section 130: Policies of life or endowment purporting to be issued or to take effect more than six months before date of application; annuities or pure endowments contracts purporting to be issued or to take effect at higher age
Section 131: Endorsement or attachment of application as a part of policy of life or endowment insurance
Section 132: Policies of life or endowment insurance; form and content; commissioner's approval
Section 132A: Group annuity contract; definitions
Section 132A1/2: Requirements for other group annuity contracts
Section 132B: Group annuity contract; issuance; form; commissioner's approval; review; contents
Section 132C: Group annuity contract; exemption from process; exception
Section 132D: Group annuity contracts; members
Section 132E: Group annuity contract; construction
Section 132F: Pension contracts; funding agreements; separate accounts
Section 132G: Variable annuity contracts; issuance; contents; separate investment accounts; reserve liability; approval; rules and regulations
Section 132H: Variable annuity contracts; investment of assets; limitations; rules and regulations
Section 132I: Funding agreements
Section 133: Group life insurance defined
Section 133A: Requirements for other group life insurance policies
Section 134: Group life policies; commissioner's approval; contents
Section 134A: Conversion from group life insurance policy to another type of life policy; right of certificate-holder; notice
Section 134B: Repealed, 1968, 391, Sec. 19
Section 134C: Group life policies; assignment of incidents of ownership
Section 135: Group life policies; exemption from attachment; exception
Section 136: Group life policies; exemption from loan provision
Section 137: Group policies; members
Section 138: Application of chapter to Secs. 133 to 137
Section 138A: Group life policies; pay-roll deductions of state and local employees
Section 139: Conversion, alteration or exchange of life or endowment insurance or annuity contracts
Section 140: Annual dividends on policies of life or endowment insurance
Section 141: Safety fund
Section 142: Loan from life company upon policy of life insurance; interest rate; loan value; definitions
Section 143: Applicability of forfeiture laws to policies of life insurance and deferred annuity contracts
Section 144: Default in payment of premium on policy of life insurance; surrender of policy for cash value; taking of paid-up nonforfeiture benefit
Section 144A: Repealed, 2004, 59, Sec. 2
Section 144A1/2: Annuity contracts; required provisions
Section 145: Cash surrender value of policies of industrial life insurance
Section 146: Policies of industrial life insurance; applicability of Sec. 144
Section 146A: Default in payment of premium on policy of industrial life insurance; notice of non-forfeiture benefit
Section 146B: Massachusetts Life and Health Insurance Guaranty Association Law
Section 147 to 147B: Repealed, 1943, 227, Sec. 10
Section 148: Repealed, 1928, 148, Sec. 2
Section 149: Participating and nonparticipating policies of life, endowment and accident and sickness insurance and annuity and pure endowment contracts
Section 149A: Unclaimed funds; definitions
Section 149B: Unclaimed funds; reports by companies
Section 149C: Unclaimed funds; payment to state treasurer
Section 149D: Unclaimed funds; custody; claims; proceedings; judgment and satisfaction
Section 149E: Examination of records of life company by state treasurer
Section 149F to 149L: Repealed, 2010, 469, Sec. 1
Section 149M: Definitions applicable to Secs. 149M to 149X
Section 149N: Service contracts; duties of provider
Section 149O: Reimbursement of covered sums or performance of service pursuant to reimbursement insurance policy
Section 149P: Form and content of service contracts
Section 149Q: Prohibited language in provider name; false or misleading statements; purchase of service contract as condition of loan or sale of property prohibited
Section 149R: Maintenance and retention of accounts, books and records
Section 149S: Termination of reimbursement insurance policy
Section 149T: Receipt of premiums for reimbursement insurance policy; insurer right to indemnification or subrogation
Section 149U: Enforcement of Secs. 149M to 149W
Section 149V: Exemptions from Secs. 149M to 149W
Section 149W: Rules and regulations
Section 149X: Retention and use of collected registration fees
Section 150: Admission of foreign companies
Section 151: Conditions of admission of foreign companies
Section 152: Kinds of business which may be transacted by foreign companies
Section 152A: Foreign mutual fire companies; non-assessable policies; issuance; conditions
Section 153: Foreign life companies; conditions of admission
Section 154: Service of process on foreign company; duty of commissioner; fees
Section 155: Companies formed under laws of any government or state other than the United States or one of the United States; conditions of admission
Section 156: Companies formed under laws of any government or state other than the United States or one of the United States; appointment of trustees
Section 156A: Cessation of issuance of policies or making of contracts by foreign company upon revocation or suspension of license or failure to maintain required amounts of capital or assets
Section 157: Repealed, 2000, 96, Sec. 3
Section 158: Effect of war between United States and foreign country upon policies and contracts issued by company organized under laws of such foreign company
Section 159: Retaliatory taxes, fines, penalties, etc
Section 160: Persons aiding foreign company not lawfully admitted to issue policies or contracts; penalty; reinsurance or transfer of primary obligation to meet actual risk assumed under policy to unlicensed company or company with insufficient net cash assets prohibited
Section 160A: Advertisement for or on behalf of unlicensed foreign company or fraternal benefit society prohibited
Section 160B: Publication of notice by commissioner of unlicensed foreign company or fraternal benefit society
Section 160C: Automobile insurance; company as agent for insurers doing business in Mexico; separate accounts; payment of percentage of gross premiums
Section 160D: Agent or broker securing automobile coverage with Mexican companies; separate accounts; payment of percentage of gross premiums
Section 161: Repealed, 1929, 6, Sec. 1
Section 161A: Definitions applicable to Secs. 161A to 161E
Section 161B: Domestication of United States branch of alien insurer; domestication agreement
Section 161C: Approval of domestication agreement by alien and domestic insurer
Section 161D: Approval of domestication agreement by commissioner
Section 161E: Domestication of United States branch of alien insurer effective upon filing of instrument of transfer and assumption
Section 162: Agent, broker and adjuster defined; on-premises and off-premise solicitation of negotiation of policy of insurance
Section 162A: Repealed, 2002, 106, Sec. 4
Section 162B: Agents and brokers; power to accept installment premiums
Section 162C: Direct billing; mandatory agreements prohibited
Section 162D: Expense premium commissions; payment to insurance agents; additional compensation
Section 162E: Motor vehicle insurance made by insurer pursuant to American agency system; insurer commission arrangements
Section 162F: Property or casualty insurance information; proprietary rights of agents and brokers
Section 162G: Licensing of insurance producers; Secs. 162H through 162X govern qualifications and procedures
Section 162H: Definitions applicable to Secs. 162G to 162X
Section 162I: License required to sell, solicit or negotiate insurance
Section 162J: Insurance producer license; persons not required to be licensed
Section 162K: Insurance producer license; written examination
Section 162L: Insurance producer license; application; requirements for approval
Section 162M: Insurance producer license; qualification; lines of authority
Section 162N: Insurance producer license; nonresident producer licenses
Section 162O: Insurance producer license; application by individual licensed as an insurance producer in another state
Section 162P: Insurance producer doing business under assumed name; notice
Section 162Q: Insurance producer license; temporary license
Section 162R: Insurance producer license; suspension, revocation, refusal to issue or renew or levying of civil penalties
Section 162S: Insurance producers acting as agents of insurers; appointment procedures
Section 162T: Insurer's termination of appointment, contract, etc. with producer; procedures
Section 162U: Insurance producer license; waiver of requirements for nonresident license applicant
Section 162V: Reporting of administrative action taken against insurance producer; reporting of criminal prosecution of insurance producer
Section 162W: Promulgation of regulations relating to insurance producers
Section 162X: Severability of Secs. 162G to 162X
Section 162Y: Portable electronics insurance
Section 162Z: Travel insurance; limited lines travel insurance; license
Section 163: Agents; licensing; cancellation, modification, revocation, or expiration of contract; referees; decision; review
Section 163A: Repealed, 2002, 106, Sec. 7
Section 164: Collectors of premiums
Section 164A: Lapsed industrial life policies; effect on agents' commissions
Section 165: Repealed, 2002, 106, Sec. 8
Section 166: Repealed, 2002, 106, Sec. 9
Section 166A: Repealed, 2002, 106, Sec. 10
Section 166B: Revocation of license; disposition of interest as proprietor, employee, etc. of insurance producer; appointment of receiver; injunction
Section 167: Repealed, 2002, 106, Sec. 15
Section 167A: Insurance producer license; fee exemption for certain persons
Section 168: Special insurance brokers; licensing; procurement of insurance in unauthorized companies
Section 168A: Procurement by special broker of insurance from an eligible alien unauthorized insurer
Section 169: Effect of payment to agent or broker
Section 170: Agent or broker; procurement of payment of premium by fraud; penalty
Section 171: Illegal insurance contracts; liability of agent
Section 172: Adjusters of fire losses; licensing; penalty; examination for applicants
Section 172A: Voluntary association licenses
Section 173: Partnership licenses
Section 174: Corporation licenses
Section 174A: Hearings, revocation or suspension of licenses; notices
Section 174B: Revoked licenses; surrender; renewal certificates; penalty
Section 174C: Repealed, 2002, 106, Sec. 33
Section 174D: Repealed, 2002, 106, Sec. 34
Section 174E: Repealed, 1998, 129, Sec. 3
Section 174F: Business Transacted With Broker–Controlled Insurer Act
Section 174G: Definitions applicable to Secs. 174F to 174K
Section 174H: Applicability of Secs. 174F to 174K
Section 174I: Written contract between controlling broker and insurer required
Section 174J: Notice to prospective insured disclosing broker-controlled insurer relationships
Section 174K: Violations of Secs. 174F to 174K; remedies
Section 175: Representation or advertisement as agent, broker or adjuster without being duly licensed; carrying on of business in name other than that stated in license
Section 176: Larceny by agent or broker
Section 176A: Refund or credit of return premiums on cancelled motor vehicle policies; penalty
Section 177: Unlicensed persons; compensation; penalty
Section 177A: Insurance adviser defined
Section 177B: Insurance adviser license
Section 177C: Contracts or agreements with insurance adviser; enforceability
Section 177D: Statement and receipt from insurance adviser specifying advice given and fee paid
Section 177E: Continuing educational requirements
Section 177F: Managing General Agents Act
Section 177G: Definitions applicable to Secs. 177F to 177L
Section 177H: Managing general agent; licensure and errors and omissions coverage required
Section 177I: Contracts between managing general agent and insurer; required provisions
Section 177J: Independent financial examination of managing general agent; actuary opinion of loss reserves; review of processing operations; notification to commissioner of appointment or termination
Section 177K: Acts of managing general agent considered acts of insurer; examination by commissioner
Section 177L: Administrative action against managing general agent; authority of commissioner; penalties
Section 177M: Reinsurance Intermediary Act
Section 177N: Definitions applicable to Secs. 177M to 177W
Section 177O: Reinsurance intermediary brokers; bonds; licenses; applications
Section 177P: Contracts between reinsurance intermediary broker and insurer; required provisions
Section 177Q: Maintenance of records by reinsurance intermediary broker
Section 177R: Reinsurance intermediary broker license required; employment restrictions; annual financial statements
Section 177S: Contracts between reinsurance intermediary manager and reinsurer; required provisions
Section 177T: Prohibited acts by reinsurance intermediary manager
Section 177U: Reinsurance intermediary manager license required; annual financial statements; actuary opinion of loss reserves; notice of termination; prohibited appointments
Section 177V: Examination of reinsurance intermediary by commissioner
Section 177W: Administrative action against reinsurance intermediary; authority of commissioner; penalties
Section 178: Receiver of insolvent company; compensation and accounts
Section 179: Receiver of insolvent company; appointment of commissioner, deputy or assistant as receiver
Section 180: Receiver of insolvent company; examination of accounts and transactions
Section 180A: Definitions applicable to Secs. 180A to 180L1/2
Section 180B: Domestic companies; rehabilitation proceedings
Section 180C: Domestic companies; liquidation proceedings; approval of proposal to distribute; notice of application
Section 180D: Domestic companies; duty of receivers to give notice of appointment
Section 180E: Ancillary receiver of foreign insurer
Section 180F: Proof of claims of non-residents; liquidation proceedings; priority of distribution
Section 180G: Proof of claims; liquidation proceedings; cause of action against policyholder
Section 180H: Contingent claims; distribution of assets of insolvent insurer
Section 180I: Liquidation proceedings commenced in reciprocal state; proof of claims
Section 180J: Special deposit claims; liquidation proceedings; priority
Section 180K: Secured claims; liquidation proceedings
Section 180L: Severability of Secs. 180A to 180K
Section 180L1/2: Termination, liquidation, etc., and rights under security agreements relating to netting agreements or qualified financial contracts; transfer of netting agreement or qualified financial contracts
Section 180M: Definitions applicable to this section and Secs. 180N to 180Q
Section 180N: Adoption of bylaws reasonably necessary for operation of company during national emergency
Section 180O: Provisions becoming effective upon occurrence of national emergency in absence of bylaws adopted pursuant to Sec. 180N
Section 180P: Succession of officers during national emergency
Section 180Q: Location of home office or principal place of business of company in the event of national emergency
Section 181: Misrepresentations by insurer; penalty
Section 182: Special inducements, etc.; rebates; loans in connection with student loan insurance programs
Section 183: Rebates; acceptance; prohibition
Section 184: Application of Secs. 182 and 183
Section 185: Deposits by companies in compliance with state laws to be held by state treasurer in trust
Section 186: Misrepresentation or warranty by insured; effect
Section 186A: Delivery of policy; presumptions
Section 186B: Effect of lack of sworn statement of loss; laws applicable
Section 187: Foreign companies; contents of policies
Section 187A: Actions on policies; limitation
Section 187B: Cancellation of policy; failure to return premium; penalties
Section 187C: Cancellation of policy; procedure
Section 187D: Cancellation of policy; non-payment of premium
Section 187E: Small claims; payments to heirs of decedents
Section 187F: Cancellation of policies during strike of insurance agents
Section 187G: Lapse of certain life insurance policies during strike of agents; reinstatement
Section 187H: Owner's right to cancel policy; notice; refund of prepaid premiums
Section 188: Unlawful use of proxy; penalty
Section 189: Policies in violation of this chapter; penalty
Section 190: Repealed, 1924, 406, Sec. 17
Section 190A: Definitions applicable to this section and Secs. 190B and 190C
Section 190B: Mass marketed life or health insurance; reasonableness of charges; findings; orders; review
Section 190C: Mass marketed life or health insurance; nonresident insurers; compliance with state laws
Section 191: Commissioner; power to require submission of policies and circulars for inspection; penalty
Section 191A: Property damage to insured's motor vehicle; notice of losses; arbitration clause
Section 192: Riders and endorsements; commissioner's approval
Section 192A: Loose leaf policies; filing and approval
Section 193: Policies issued contrary to this chapter; validity
Section 193A: Jurisdiction of superior court to restrain violations of chapter and enforce compliance of provisions thereof
Section 193B: Motor vehicle insurance; instalment payments
Section 193B1/2: Motor vehicle insurance; interest charges on installment payments
Section 193C: Domestic companies; interlocking directorates; regulations; procedure
Section 193D: Domestic companies; power to acquire stock of other companies; regulations
Section 193E: Coercion in the placing of insurance on real or personal property prohibited; fines; exceptions
Section 193F: Policy forms; filing with commissioner; approval
Section 193G: Policy forms; disapproval; resubmission for approval
Section 193H: Policy forms; withdrawal of approval; notice and hearing; review
Section 193I: Disclosure of investments of officers, directors and principal stockholders
Section 193J: Solicitation of proxies
Section 193K: Professional services; provisions for payment; discrimination
Section 193L to 193N: Repealed, 1993, 226, Sec. 49
Section 193O: Repealed, 1972, 543, Sec. 2
Section 193P: Fire insurance policies; nonrenewal notice provision; requisites of notice
Section 193Q: Repealed, 1993, 226, Sec. 50
Section 193R: Group marketing plans for automobile and homeowner insurance; definitions; rules and regulations; rates; payroll deductions
Section 193S: Repealed, 1993, 226, Sec. 50A
Section 193T: Discrimination based on blindness, intellectual disability, or physical impairment
Section 193U: Discrimination based on specialty practiced; risk classification; definitions
Section 194: General penalty
Section 195: Insurance companies writing fire and multiple peril policies required to contribute to costs of training firefighting personnel, enforcement of certain fire code regulations, fire education programs, equipment and facility improvements
Section 196: Payment under liquor liability insurance; notice to Attorney General
Section 197 to 203: Repealed, 1989, 341, Sec. 84
Section 204: Regulations governing replacement of life insurance policies and annuities; promulgation
Section 205: Policies providing supplemental coverage to medicare; approval by commissioner; employers or trade unions exception; regulations
Section 206: Definitions applicable to Secs. 206 to 206D
Section 206A: Domestic insurers; investment in capital stock of subsidiaries
Section 206B: Merger or acquisition of control; statement filed with commissioner; hearing; approval; violations
Section 206C: Registration statements; transactions requiring commissioner's approval; determination of reasonable surplus; confidentiality of information
Section 206D: Violations of Secs. 206 to 206D or rule issued thereunder; injunctive relief; voting of improperly acquired securities; penalties
Section 207: Acquisition of stock of subsidiary insurer; approval of plan by commissioner; objections of shareholders
Section 208: Merger of insurance holding company system into domestic insurance subsidiary
Section 209: Commissioner's issuance of licenses to banks or credit unions to act as insurance producers
Section 210: Procedure for resolution of consumer complaints relative to banks or credit unions acting as insurance agents
Section 211: Information relating to insurance activities of banks or credit unions furnished to federal agencies
Section 212: Definitions applicable to Secs. 212 to 223E
Section 213: License requirement for life settlement providers and life settlement brokers
Section 214: Suspension, revocation or refusal of renewal of life settlement provider or life settlement broker license
Section 215: Approval of life settlement contract form and disclosure statement form
Section 216: Annual statement of life settlement provider
Section 217: Disclosure by life settlement provider, broker, insurance company, etc., of individual identification data of insured
Section 218: Examination of business and affairs of life settlement provider, broker or applicant
Section 219: Advertising by life settlement broker or provider
Section 220: Required disclosures by life settlement providers and brokers
Section 221: Use of policy as collateral in premium finance loan
Section 222: General rules relating to life settlement contracts
Section 223: Conflict of laws
Section 223A: Fraudulent life settlement acts
Section 223B: Control, prevention and reporting of fraud relating to life settlement contracts
Section 223C: Remedies for violations of Secs. 213 to 223E
Section 223D: Penalties
Section 223E: Violation of Secs. 213 to 223E deemed unfair trade practice
Section 223F: Authority of commissioner to promulgate regulations
Section 224: Large commercial policy holders; definitions; commercial risks; records examination
Section 225: Disclosure notice in policy issued pursuant to commercial risks provisions of Sec. 224; large commercial policy holders
Section 226: Pharmacy audits; standards for the conduct of audits of records; appeals
Section 227: Statement of actuarial opinion and actuarial opinion summary
Section 228: Transportation network drivers; insurance requirements
Section 229: Self-service storage insurance