MCL - Index of Chapter 500

NOTE: Dates reflect any modification to item, not necessarily a change in law.

Title	Subject
Chapter 500	INSURANCE CODE OF 1956
Act 218 of 1956	THE INSURANCE CODE OF 1956 (500.100 - 500.8302) *** 500.3910b SEE SUBSECTION (7) FOR APPLICABILITY * * 500.3406hh.added THIS ADDED SECTION IS EFFECTIVE 91 DAYS AFTER ADJOURNMENT OF THE 2024 REGULAR SESSION SINE DIE * * 500.3476 THIS SECTION IS AMENDED EFFECTIVE 91 DAYS AFTER ADJOURNMENT OF THE 2024 REGULAR SESSION SINE DIE: See 500.3476.amended ***
218-1956-1	CHAPTER 1 SCOPE OF CODE (500.100...500.150)
Section 500.100	Insurance code of 1956; short title.
Section 500.102	Definitions.
Section 500.103	“Revenue commissioner” defined.
Section 500.106	"Health maintenance organization" and "insurer" defined.
Section 500.108	Authorized, unauthorized insurer; definitions.
Section 500.110	Domestic, foreign, alien; definitions.
Section 500.114	Person; definition.
Section 500.115	Definitions.
Section 500.116	Additional definitions.
Section 500.118	Treatment of alien insurer as foreign insurer.
Section 500.120	Insurance, surety, or health maintenance organization transactions; compliance with act.
Section 500.121	Surety; rights; remedies; relief.
Section 500.122	Applicability of Michigan antitrust reform act.
Section 500.124	Exceptions.
Section 500.125	Service contract not subject to act; "consumer product" and "service contract" defined.
Section 500.126	Waiver of customer liability agreement; definitions.
Section 500.127	Guaranteed asset protection waiver; certificate of authority or license not required; issuance not construed as insurance; definitions.
Section 500.128	Additional exceptions.
Section 500.129	Medical retainer agreement not subject to act.
Section 500.132	Saving clause; incumbent officers.
Section 500.134	Validity of certificate of authority or license in force prior to January 1, 1957; validity of plan of operation and premium or assessment; association or facility not state agency and money thereof not state money; records exempt from disclosure; premium or assessment not burden under MCL 500.476a; “association or facility” defined.
Section 500.140	Saving clause; existence of domestic insurer continued.
Section 500.142	Repealed. 1992, Act 182, Imd. Eff. Oct. 1, 1992
Section 500.150	Violation of act; hearing; order of director; penalties; court order.
218-1956-2	CHAPTER 2 THE INSURANCE COMMISSIONER (500.200...500.271)
Section 500.200	Insurance department; establishment.
Section 500.202	Insurance commissioner; qualifications, office, term, appointment, approval, vacancy.
Section 500.204	Insurance commissioner; salary; oath; bond.
Section 500.205	Commissioner; powers.
Section 500.206	Insurance commissioner; seal, approval, renewal.
Section 500.208	Office of financial and insurance services; offices; expense; audit.
Section 500.210	Insurance commissioner; regulatory powers.
Section 500.212	Deputies, chief clerk and accountant, examiners, clerks, actuaries, and other assistants; oath; powers and duties; hearings; rights of parties; revocation of appointments, designations, and delegations of authority; compensation.
Section 500.214	Commissioner; immunity from civil liability; conditions.
Section 500.216	Insurance commissioner and employees; traveling and other expenses.
Section 500.220	Insurance commissioner and employees; service fees, prohibited gifts.
Section 500.221	Insurance compliance self-evaluative audit document; privilege; disclosure; exceptions; definitions.
Section 500.222	Examination of insurers; examination report; hearing; public inspection; disclosure of confidential information; effect of current examination; director's authority to terminate or suspend examination not limited; limitation on foreign insurer examination.
Section 500.223	Application for certificate of authority; fee; withdrawal of application; reapplication fee; disposition.
Section 500.224	Examinations and investigations of insurers; expenses; statement to insurers; employment of expert personnel; regulatory fees; expense of administering delinquency proceeding; definitions.
Section 500.224a	Report relating to regulatory fees.
Section 500.224b	Repealed. 2008, Act 440, Eff. Apr. 1, 2009.
Section 500.225	Insurance bureau fund; creation; deposit of fees; reversion to general fund; use of fund.
Section 500.225a	Contract for services, supplies, and materials.
Section 500.226	Disclosure of confidential information; penalty.
Section 500.228	Examinations and investigations of insurers; report of crimes to attorney general.
Section 500.230	Recovery of penalty; disposition of funds.
Section 500.234	Insurance department; records of office; public inspection, exceptions, destruction, rules and regulations.
Section 500.236	Repealed. 1992, Act 182, Imd. Eff. Oct. 1, 1992.
Section 500.238	Insurance commissioner; annual report to governor, contents, publication.
Section 500.240	Fees and charges; collection, payment, and disposition.
Section 500.244	Judicial review.
Section 500.246	Repealed. 1992, Act 182, Imd. Eff. Oct. 1, 1992.
Section 500.248	Violations of act; actions; perjury.
Section 500.249	Insurance commissioner; investigations of agents, adjusters, counselors, managers, promoters, officers and directors.
Section 500.249a	Fingerprints required; costs; providing criminal history records.
Section 500.250	Insurers; stock transfer; officers or directors; appointment; notice to director; grounds for removal; hearing; order; civil immunity; review; "insurer" defined.
Section 500.251	Cease and desist order.
Section 500.261	Internet website; publication of changes and rights regarding automobile insurance in this state; reporting of fraud and unfair practices.
Section 500.271	Report to legislature on the effect of the limits imposed on charges for products, services, and accommodations under MCL 500.3157.
218-1956-4	CHAPTER 4 AUTHORIZATION OF INSURERS AND GENERAL REQUIREMENTS (500.402...500.480)
Section 500.402	Insurers; certificate of authority requirement.
Section 500.402a	Transactions of insurance requiring certificate of authority.
Section 500.402b	Transactions of insurance not requiring certificate of authority.
Section 500.402c	Motor vehicle rental company; insurance transaction; definitions.
Section 500.403	Insurers; authorization to do business.
Section 500.404	Insurers; financial conditions; compliance required.
Section 500.405	Foreign insurer; revocation of certificate of authority; conditions; requalification for certificate of authority if control acquired; determination.
Section 500.405a	Insurer subject to delinquency proceedings; revocation of certificate of authority; conditions.
Section 500.405b	Requalification pursuant to MCL 500.405 or 500.405a; formal review.
Section 500.406	Foreign insurer; limitation on corporate purposes and powers; election of statute; denial of admission or authority; continuation of license to transact insurance business previously authorized; exception.
Section 500.407	Authorization to transact kinds of insurance; exceptions.
Section 500.407a	Noninsured benefit plan; offering and writing excess loss insurance; definition; authority of insurer not limited.
Section 500.408	Insurers; capital, surplus, or asset requirement; schedule; multiple lines; provisions for transacting certain insurance; applicability of section; compliance with MCL 500.403.
Section 500.410	Minimum amount of unimpaired capital and surplus; minimum amount and use of additional surplus; transacting life insurance or property insurance; continuing to transact insurance; transacting legal expense insurance; compliance with MCL 500.403.
Section 500.410a	Bail bond surety and fidelity insurance company; authority to transact insurance.
Section 500.411	Deposits required to transact insurance.
Section 500.412	Procedure for becoming domestic insurer.
Section 500.413	Transfer of domicile of domestic insurer to another state; effect of transfer; approval of transfer; “U.S. branch” defined.
Section 500.414	Certificate of authority, agent's appointments, licenses, rates, and other items of transferring insurer continue in full force and effect; outstanding policies remain in full force and effect; filing new or existing policy forms; notice of proposed transfer; filing amendments to corporate documents.
Section 500.415	Rules.
Section 500.416	Special deposit.
Section 500.417	Repealed. 1966, Act 137, Eff. Mar. 10, 1967.
Section 500.418	Identification of payers subject to child support arrearages; "title IV-D agency" defined.
Section 500.422	Repealed. 1994, Act 226, Imd. Eff. June 27, 1994.
Section 500.424	Admission of foreign or alien insurer to state; application; report of financial standing; issuance of certificate of authority; filing fees.
Section 500.425, 500.426	Repealed. 1992, Act 182, Imd. Eff. Oct. 1, 1992.
Section 500.430	Repealed. 1992, Act 182, Imd. Eff. Oct. 1, 1992.
Section 500.431	Definitions.
Section 500.431a	State of entry by alien insurer through U.S. branch; requirements.
Section 500.431b	U.S. branch using state as state of entry to transact insurance; compliance.
Section 500.431c	Trusteed assets; value.
Section 500.432	Trust agreement and amendments; authentication; withdrawal of approval; form; hearing; modifications or variations; contents and provisions of trust agreement; withdrawal of trusteed assets in another state; notice; examination by commissioner; effect of refusal or neglect to comply with subsection (8); review.
Section 500.432a	Certificate of authority to do business; issuance or amendment to U.S. branch; proof that insurer will not violate act or charter; noncompliance.
Section 500.433	Trusteed assets below minimum required; proceeding against alien insurer.
Section 500.434	Repealed. 1972, Act 360, Imd. Eff. Jan. 9, 1973.
Section 500.435	Certificate of authority as evidence of authority to transact insurance; duration of certificate; certificate as property of state; prerequisites to termination of certificate.
Section 500.436	Conditions for suspension, revocation, or limitation of certificate of authority; "insurer" defined.
Section 500.436a	Continuing operation of insurer transacting insurance in state or nonprofit dental corporation operating under MCL 550.351 to 550.373; standards; subscription to private rating organization not required; determination of financial condition; issuance of order by director; hearing requested by insurer.
Section 500.436b	Certificate of authority limited by order of commissioner.
Section 500.437	Proceeding for suspension, revocation, or limitation of certificate of authority; notice; imposition of conditions in order of limitation.
Section 500.438	Annual statement; filing; extensions; format and content; reply to inquiries; availability of report to public; penalty for failure to file statement or reply to inquiry; statement of alien insurer; "U.S. branch" defined.
Section 500.438a	Domestic, foreign, and alien insurers; filing annual statement with national association of insurance commissioners; foreign insurers considered in compliance with section; agents of commissioner; confidentiality of information.
Section 500.439	Repealed. 1992, Act 182, Imd. Eff. Oct. 1, 1992.
Section 500.440	Repealed. 1987, Act 261, Imd. Eff. Dec. 28, 1987.
Section 500.440a	Credit against tax imposed by MCL 500.476a; claim; refund; retroactive application.
Section 500.441, 500.442	Repealed. 1987, Act 261, Imd. Eff. Dec. 28, 1987.
Section 500.443	Foreign insurer; payment of quarterly installments of estimated tax; filing statement with revenue commissioner.
Section 500.444	Collection of delinquent taxes with interest or penalty.
Section 500.445	Delinquency as bar to granting certificate of authority.
Section 500.446	Repealed. 1987, Act 261, Imd. Eff. Dec. 28, 1987.
Section 500.448, 500.449	Repealed. 1975, Act 232, Eff. July 2, 1976.
Section 500.450	Repealed. 1987, Act 261, Imd. Eff. Dec. 28, 1987.
Section 500.451	Taxes on unauthorized insurers; regulatory fee; payment; delinquency.
Section 500.454	Name of insurer.
Section 500.456	Legal process served on resident agent effective as personal service on company, association, or group; stipulation; filing copy of appointment; fee; duration of appointment; service of process.
Section 500.457	Repealed. 1992, Act 182, Imd. Eff. Oct. 1, 1992.
Section 500.460	Insurance producer to write or place insurance policies.
Section 500.462	Signature of insurance producer on application for life or disability insurance.
Section 500.464	Additional deposits by domestic insurers.
Section 500.470	Repealed. 1992, Act 182, Imd. Eff. Oct. 1, 1992.
Section 500.476	Repealed. 1987, Act 261, Imd. Eff. Dec. 28, 1987.
Section 500.476a	Alien or foreign insurers; deposit of securities or making certain payments; computation; revocation of certificate of authority; purpose of section; domestic insurer owned or controlled by alien or foreign insurer; domestic insurer as alien or foreign insurer; compliance; taxes subject to MCL 208.22d or MCL 208.1243; administration of tax; disclosure of tax return.
Section 500.476b	Taxes to which authorized insurer subject.
Section 500.476c	Repealed. 1993, Act 200, Eff. Dec. 28, 1994.
Section 500.478	NAIC report of activities.
Section 500.479	Imposition of fee by NAIC.
Section 500.480	Definitions.
218-1956-5	CHAPTER 5 PRIVACY OF FINANCIAL INFORMATION (500.501...500.547)
Section 500.501	Scope of chapter.
Section 500.503	Definitions.
Section 500.505	Notice and opt out requirements.
Section 500.507	Privacy policies and practices; notice.
Section 500.509	Customer relationship; time of establishment; continuing relationship; revised privacy notice for new insurance product or service.
Section 500.511	Initial notice; conditions; delivery.
Section 500.513	Annual notice required; “annually” defined; exception.
Section 500.515	Initial, annual, and revised notices; information required; disclosure of nonpublic personal financial information.
Section 500.517	Initial notice requirements for consumer not a customer; short-form initial notice; delivery.
Section 500.519	Opt out notice; requirements.
Section 500.521	Opt out notice to joint consumers.
Section 500.523	Consumer's opt out direction; compliance requirements.
Section 500.525	Disclosure of nonpublic personal financial information to nonaffiliated third party.
Section 500.527	Receipt of notice.
Section 500.529	Disclosure of nonprofit personal financial information to nonaffiliated third party; reasonable opportunity; opt out notice.
Section 500.531	Receipt of nonpublic personal financial information from nonaffiliated financial institution; limitation on disclosure.
Section 500.533	Disclosure of policy or account number.
Section 500.535	Applicability of opt out requirements in MCL 500.519 and 500.529; “joint agreement” defined.
Section 500.537	Applicability of MCL 500.507(1)(c), 500.519, 500.529, and 500.535; “necessary to effect, administer, or enforce a transaction” defined.
Section 500.539	Applicability of MCL 500.507(1)(c), 500.519, 500.529, and 500.535.
Section 500.540	Use or disclosure of nonpublic personal financial information by certain associations or facilities.
Section 500.541	Operation of fair credit reporting act; construction of chapter.
Section 500.543	Consumer opting out from disclosure; discrimination prohibited.
Section 500.545	Contract of licensee with nonaffiliated third party; effect of agreement entered before or on July 1, 2000.
Section 500.547	Protection of customer records and information; adoption of guidelines for administrative, technical, and physical safeguards.
218-1956-5A	CHAPTER 5A DATA SECURITY (500.550...500.565)
Section 500.550	Private cause of action not created; exclusive standards.
Section 500.553	Definitions.
Section 500.555	Comprehensive written information security program; requirements; duties of licensee and board of directors; third-party service provider; incident response plan; certification of compliance.
Section 500.557	Occurrence of cybersecurity event; investigation; maintenance of records.
Section 500.559	Notification of cybersecurity event involving nonpublic information; duty to update and supplement notifications to director; contents; application to third-party service provider; duties of ceding insurers with direct contractual relationship.
Section 500.561	Notice of cybersecurity event to residents of this state; conditions and requirements; duties of licensee; substitute notice; notification to certain consumer reporting agencies; exception; compliance with health insurance portability and accountability act considered compliance with section; notice with intent to defraud; misdemeanor; penalty; failure to provide notice; civil fine; aggregate liability; applicability of section; definitions.
Section 500.563	Confidentiality; use of documents, materials, or other information; duties of director.
Section 500.565	Exemption for certain licensees; timeline for implementation and compliance.
218-1956-6	CHAPTER 6 KINDS OF INSURANCE; REINSURANCE; LIMIT OF RISK (500.600...500.644)
Section 500.600	Insurance; definitions applicable.
Section 500.602	“Life” insurance, “transaction of life insurance,” and “life insurance companies” defined.
Section 500.603	Definitions; accelerated benefits; acknowledgment; disclosures; waiver of premium; qualifying event; powers of insurer; pro rata reduction in cash value; actuarial memorandum; policy reserves.
Section 500.606	Disability insurance; definition.
Section 500.607	Group disability insurance; definition.
Section 500.608	"Health" and "health insurance policy" defined.
Section 500.610	Property insurance; definition.
Section 500.614	Marine insurance; definition.
Section 500.616	Inland navigation and transportation insurance; definition.
Section 500.618	“Legal expense insurance” defined.
Section 500.620	Automobile insurance (limited); definition.
Section 500.624	“Casualty” defined; combination with property insurance.
Section 500.625	Automobile passenger and liability coverage; expense or disability coverage included.
Section 500.628	Surety and fidelity insurance; definition.
Section 500.632	Insurers; nonprofit dental care corporation; reinsurance; authorization.
Section 500.636	Repealed. 1994, Act 226, Imd. Eff. June 27, 1994.
Section 500.640	Insurers; limitation of risk; exceptions; "title insurance" and "title insurer" defined.
Section 500.644	Life, disability, and loss of position insurers; limit of risk.
218-1956-7	CHAPTER 7 RESERVE STANDARDS FOR DISABILITY INSURANCE (500.701...500.737)
Section 500.701	Definitions.
Section 500.702	Health insurance reserves; determination of adequacy; basis.
Section 500.703	Claim reserves and claim expense reserves required; conditions; testing for adequacy and reasonableness.
Section 500.705	Disability income claim reserves; maximum interest rate; morbidity standards specified in rules; exception; group disability income claim reserves; duration from date of disablement 2 years or more but less than 5 years; basis; request for modification plan approval; elimination period; measurement of disablement duration.
Section 500.707	Health insurance benefits other than disability income; claim reserves maximum interest rate; basis of claim reserve.
Section 500.709	Estimation of claim liabilities; methods.
Section 500.711	Unearned premium reserves; treatment of premiums due and unpaid; discount of certain gross premiums paid in advance.
Section 500.713	Minimum unearned premium reserve; basis; sum of unearned premium and contract reserves; limitation.
Section 500.715	Premium reserves; computation.
Section 500.717	Contract reserves; required for certain policies and certificates; exception; addition to claim and premium reserves; methods and procedures; date of incurral defined.
Section 500.719	Morbidity standards; rules; structure of valuation net premiums; valuation of health insurance policies and certificates for which tabular morbidity standards not specified; maximum interest rate for contract reserves; termination rates; adjustment of morbidity standard on aggregate basis; minimum reserve; application of certain reserve adjustments; offset of negative reserves against positive reserves; total contract reserve not less than zero.
Section 500.721	Application of alternative method or basis to contract reserve; assumptions; methods to determine sound value of liabilities.
Section 500.723	Tabular reserves; annual review; increments; restriction of future gross premiums; establishment of contract reserves for insufficiency in aggregate.
Section 500.725	Reinsurance; determination of increases to, or credit against, reserves.
Section 500.729	Individual insurance policies; minimum morbidity standards for disability income benefits; basis of contract reserve standards for certain hospital, surgical, and maternity benefits; basis of contract reserve standards for certain cancer expense benefits and accidental death benefits.
Section 500.731	Disability benefits for group health insurance certificates; minimum morbidity standards.
Section 500.733	Maximum interest rates.
Section 500.735	Mortality basis; use of other mortality tables; request for approval.
Section 500.737	Rules.
218-1956-8	CHAPTER 8 ASSETS AND LIABILITIES (500.808...500.842)
Section 500.808	Stock or mutual insurers; unearned premium reserves, pro rata basis, computation.
Section 500.810	Reserves; computation; additional reserves; plan to restore compliance; effect of noncompliance; examination of reserve practices and investment incomes.
Section 500.811	Repealed. 1994, Act 148, Imd. Eff. June 7, 1994.
Section 500.812	Repealed. 1969, Act 318, Eff. Mar. 20, 1970.
Section 500.813	Repealed. 1992, Act 182, Imd. Eff. Oct. 1, 1992.
Section 500.814	Certification of loss reserves.
Section 500.814a	Statement of actuarial opinion; filing requirements; confidentiality; Michigan automobile insurance placement facility not property and casualty insurer.
Section 500.815	Computation of unearned premium reserve on mortgage guaranty insurance.
Section 500.815a	Establishment of contingency reserve by mortgage guaranty insurer.
Section 500.816	Repealed. 1969, Act 318, Eff. Mar. 20, 1970.
Section 500.817	Repealed. 1966, Act 221, Imd. Eff. July 11, 1966.
Section 500.818, 500.822	Repealed. 1969, Act 318, Eff. Mar. 20, 1970.
Section 500.830	Life insurance policies and annuity and pure endowment contracts; life insurance contracts, annuity and pure endowment contracts, accident and health contracts, and deposit-type contracts; annual valuation of reserves; limitation; valuation fee; adopting lower standard of valuation; valuation of business of foreign cooperative or assessment insurer; definitions.
Section 500.830a	Life insurance; actuarial opinion; form; submission to director; liability of actuary; “qualified actuary” defined; limitation; public hearing; company with outstanding life insurance contracts, accident and health insurance contracts, or deposit-type contracts; actuarial opinion; requirements; definitions.
Section 500.831	Domestic insurer's business in foreign country; variance of mortality standard.
Section 500.832	Valuation of life insurance policies and contracts issued before operative date of standard nonforfeiture law.
Section 500.834	Valuation of life insurance policies and contracts issued on and after operative date of standard nonforfeiture law; minimum standard; reserves; definitions.
Section 500.835	Valuation of individual annuity and pure endowment contracts; minimum standard; notice of election to invoke section; failure to make election; definitions.
Section 500.835a	Individual annuity and pure endowment contracts purchased after December 31, 2014; annuities and pure endowments purchased after December 31, 2014 under group annuity and pure endowment contracts; valuation; tables and interest rates; definitions.
Section 500.836	Calendar year statutory valuation interest rates; use; determination; weighting factors; “reference interest rate” defined; alternative method for determination of reference interest rate; changes to policy or contract forms; computing reference interest rate for calendar year 1986.
Section 500.836a	Valuation of disability plans and contracts issued before date of valuation manual; regulations; accidental and health insurance contracts; definitions.
Section 500.836b	Valuation manual; establishment of reserves using principle-based valuation; duties of company; confidential information; definitions.
Section 500.837	Definitions; valuation requirements for universal life insurance policies.
Section 500.838	Definitions; use of NAIC accounting practices and procedures manual; mortality table; separate rates for smokers and nonsmokers; determining minimum reserve liabilities, minimum cash surrender values, and amounts of paid-up nonforfeiture benefits; actuarial opinion; application of accounting practices and procedural manual; rates and charges based on gender; blended tables; basis as sex-distinct and sex-neutral.
Section 500.838a	Definitions; 2001 CSO preferred class structure mortality table.
Section 500.839	Capital notes.
Section 500.840	Repealed. 1969, Act 318, Eff. Mar. 20, 1970.
Section 500.841	Valuation of certain bonds or other evidences of debt.
Section 500.842	Valuation of certain securities, stocks, or shares.
218-1956-9	CHAPTER 9 INVESTMENTS (500.900...500.960)
Section 500.900	Repealed. 1969, Act 318, Eff. Mar. 20, 1970.
Section 500.901	Asset requirements for insurers.
Section 500.902	Investments by domestic insurer; amount in qualified asset required; definition.
Section 500.904	Repealed. 1957, Act 91, Eff. Sept. 27, 1957.
Section 500.906, 500.908	Repealed. 1969, Act 318, Eff. Mar. 20, 1970.
Section 500.910	Certificates of deposit or depository receipts; construction as deposits of cash.
Section 500.912	Qualified assets; description; limitation on governmental securities.
Section 500.914	Qualified assets as guaranteed interest bonds.
Section 500.916	Qualified assets as federal financing agency stock.
Section 500.917	Mortgage-backed securities; certain securities described in secondary mortgage market enhancement act of 1984 subject to limitations; definition.
Section 500.917a	Definitions; asset-backed securities.
Section 500.918	Qualified assets by solvent institution; authorization; mortgage loans; equipment trust certificates; fixed interest bearing obligations.
Section 500.920	Net earnings available for fixed charges; definition.
Section 500.922	Qualified assets in stocks, bonds, or evidences of corporate indebtedness; authorization.
Section 500.924	Qualified assets in preferred stock; conditions.
Section 500.925	Application of amounts paid life insurer to purchase of retirement benefits; income, gains, or losses on accounts; limitations on charges and deductions; investment or amounts allocated; standards; “contract on a variable basis” defined; compliance with investment company act of 1940; identification of investments and liabilities; “investment company act of 1940” defined; rules.
Section 500.926-500.931	Repealed. 1969, Act 318, Eff. Mar. 20, 1970.
Section 500.932	Qualified assets in shares of savings and loan associations.
Section 500.933	Repealed. 1969, Act 318, Eff. Mar. 20, 1970.
Section 500.934	Qualified assets in farm loan bonds, intermediate credit bank loans, central bank for cooperatives, home loan banks, federal savings and loan insurance corporation obligations; authorization.
Section 500.938	Qualified assets.
Section 500.942	Qualified assets in real estate loans; purchase of loan or certificate of participation.
Section 500.943	Qualified assets; derivative instruments and transactions.
Section 500.944	Accounts receivable; includable as qualified assets.
Section 500.945	Repealed. 1994, Act 226, Imd. Eff. June 27, 1994.
Section 500.946	Home office, lands, and buildings; includable as qualified assets.
Section 500.947	Income producing real estate and housing projects; includable as qualified assets.
Section 500.948	Repealed. 1969, Act 318, Eff. Mar. 20, 1970.
Section 500.950, 500.951	Repealed. 1969, Act 318, Eff. Mar. 20, 1970.
Section 500.960	Repealed. 1969, Act 318, Eff. Mar. 20, 1970.
218-1956-10	CHAPTER 10 ANNUAL AUDITED FINANCIAL REPORTS (500.1001...500.1033)
Section 500.1001	Definitions.
Section 500.1003	Nonapplicability of chapter.
Section 500.1005	Insurer; annual audit; filing date; extensions; designation of audit committee.
Section 500.1007	Annual audited financial report; contents; form; conduct of examination by independent public accountant.
Section 500.1009	Insurer required to file annual audited report; registration of insurer's independent public accountant; letter required; dismissal or resignation of independent public accountant; notice; report of disagreement; responsive letter.
Section 500.1010	Recognition of person or firm as independent public accountant; mediation or arbitration of disputes; limitation on period of service; relief from rotation requirement; restrictions; hearing; ruling by commissioner; exemption from subsection (7); nonaudit services; preapproval; waiver; independent public accountant not recognized as qualified; condition; relief from subsection (14).
Section 500.1011	Audited consolidated or combined financial statements; application for filing; work sheet.
Section 500.1015	Independent public accountant; reporting determination that insurer materially misstated financial condition or does not meet requirements of MCL 500.408 or MCL 500.410; liability; action to be taken after date of audited financial report.
Section 500.1017	Independent public accountant; communicating unremediated material weaknesses; description.
Section 500.1019	Independent public accountant; filing letter with annual audited financial report; contents.
Section 500.1021	Work papers; availability; retention; review as investigation; use.
Section 500.1023	Compliance with chapter; exemption; filing reports on other than calendar year basis; compliance by domestic insurers; schedule; compliance by foreign insurers.
Section 500.1025	Canadian and British insurers; annual audited financial report; contents of independent public accountant's letter.
Section 500.1027	Applicability of section to domestic insurer not SOX compliant entity; duties of audit committee; member of audit committee as independent; election of controlling person; report by accountant; reports provided on aggregate basis; structure of audit committee; waiver from section based on hardship; effective date of section; "direct written and assumed premiums" defined.
Section 500.1028	Internal audit function; exemption; confidentiality; report to audit committee.
Section 500.1029	Director or officer of insurer; prohibited conduct.
Section 500.1031	Report of insurer's or group of insurers' internal control over financial reporting; requirements.
Section 500.1033	Exemption from any or all provisions of chapter.
218-1956-11	CHAPTER 11 REINSURANCE (500.1101...500.1127)
Section 500.1101	“Qualified United States financial institution” defined.
Section 500.1103	Credit for reinsurance as asset or reduction from liability; accredited reinsurer; trust fund; requirements; report to director; certified reinsurer requirements; obligation to arbitrate; trust agreement; list of reciprocal jurisdictions; suspension or revocation; hearing; recoverable assets; diversification; member of catastrophic claims association; definitions.
Section 500.1105	Reduction from liability by ceding insurer to assuming insurer not meeting requirements of MCL 500.1103; security.
Section 500.1106	Rules.
Section 500.1108-500.1120	Repealed. 1972, Act 360, Imd. Eff. Jan. 9, 1973.
Section 500.1121	Applicability of MCL 500.1123 to 500.1127 to certain insurers.
Section 500.1123	Reinsurance agreement; conditions prohibiting reduction in liability or establishment of asset; approval of commissioner; filing agreements.
Section 500.1124	Repealed. 1972, Act 360, Imd. Eff. Jan. 9, 1973.
Section 500.1125	Reinsurance agreement; use; execution; “reasonable period of time” defined; provisions; assumption of obligations by life and health insurance guaranty association.
Section 500.1127	Reinsurance agreements; reduction to zero of certain reserve credits or assets.
218-1956-11A	CHAPTER 11A REINSURANCE INTERMEDIARIES (500.1151...500.1171)
Section 500.1151	Definitions.
Section 500.1153	Person acting as reinsurance intermediary-broker; bond; license; nonresident; service of process; refusal to issue license.
Section 500.1155	Transactions between reinsurance intermediary-broker and insurer; authorization.
Section 500.1157	Record of transaction.
Section 500.1159	Person acting as reinsurance-broker; license required; employment of individual employed by reinsurance intermediary-broker; annual copy of statements of financial condition.
Section 500.1161	Transactions between reinsurance intermediary-manager and reinsurer; contract.
Section 500.1163	Reinsurance intermediary-manager; prohibited conduct.
Section 500.1165	Reinsurance intermediary-manager; license required; obtaining annual copy of statement of financial condition and opinion of actuary; authority for retrocessional contracts or participation in reinsurance syndicates; termination of contract; appointment to board of directors.
Section 500.1167	Reinsurance intermediary and reinsurance intermediary-manager; examination of books, bank accounts, and records.
Section 500.1169	Violation; penalties.
Section 500.1171	Reinsurance intermediary; use of services.
218-1956-12	CHAPTER 12 AGENTS, SOLICITORS, ADJUSTERS, AND COUNSELORS (500.1200...500.1247)
Section 500.1200	“Good moral character” defined.
Section 500.1201	Definitions.
Section 500.1201a	Sale, solicitation, or negotiation of insurance; license required; applicability to excess and surplus lines agents and brokers.
Section 500.1202	Insurance producer license; definitions.
Section 500.1203	Authority of insurance producer for fraternal benefit society; authority of attorney-in-fact of reciprocal or inter-insurance exchange.
Section 500.1204	Applicant for insurance producer license; examination; registered program of study; waiver of examination or program of study requirements; administration of examinations; fee; reapplication.
Section 500.1204a	Qualification as registered insurance producer program of study; criteria; conducting portion of minimum number of classroom hours of instruction; rules; recommendations for improvements in course materials; failure to maintain reasonable standards; refusal by director to approve insurance education instructor; probation, suspension, or revocation of approval.
Section 500.1204b	Repealed. 2017, Act 67, Imd. Eff. June 30, 2017.
Section 500.1204c	Insurance producer's hours of study; review; continuing education requirements; program of study; approval; fee; hearing; revocation; filing certificate of attendance or instruction; waiver; reciprocal agreements; fees; grace period; sale of business and failure to meet continuing education requirements; cancellation of license; review date of applicable 2-year period; access to classroom; refusal to approve education instructor; probation, suspension, or revocation of approval; definitions.
Section 500.1204d	Continuing education fund; creation; administration; disposition and reversion of funds; funding of shortfall.
Section 500.1204e	Nonresident license applicant; requirements.
Section 500.1204f	Long-term care insurance; requirements for sale, solicitation, or negotiation by individual; delivery or issuance by insurer; 1-time training course; requirements.
Section 500.1205	Resident insurance producer license; filing; application; statement; requirements; business entity; verification of information; limited line credit insurance.
Section 500.1206	Insurance producer license; issuance; qualification in line of insurance; duration; reinstatement; contents of license; change of name or address; ministerial functions.
Section 500.1206a	Nonresident insurance producer license; requirements; verification of status; change of address; nonresident surplus lines insurance producer license; nonresident limited lines insurance producer.
Section 500.1206b	Nonresident insurance producer license; prelicensing education or examination; exemption; application as resident licensee.
Section 500.1206c	Life and health insurance producer examinations; summary of statistical information; report.
Section 500.1207	Agent as fiduciary; separate accounts; examination of records; remuneration of person acting as agent; placing refused coverage; use of intimidation, threats, or unlawful inducements; agent as party to contract.
Section 500.1208	Insurance effected by agent on certain risks; limitation.
Section 500.1208a	Appointment of producer as agent; notice of appointment; filing; verification of eligibility; fee.
Section 500.1208b	Termination of business relationship with insurance producer; notice to commissioner; format; liability for disclosure of information or statement.
Section 500.1209	Termination of insurance producer's authority to represent insurer; responsibility and authority of insurance producer following notice of termination; exceptions; condition of insurer's authority to transact business in state; construction of subsection (2); “automobile insurance” and “home insurance” defined.
Section 500.1210	Accident and health insurance agent as health benefit agent.
Section 500.1211	Solicitation and collection on behalf of licensed insurance producer; authorization; contract; agent of the insured; agent of the insurer.
Section 500.1211a	Assumed name; use.
Section 500.1211b	Temporary license.
Section 500.1212	Persons acting as solicitors; contract with agent; license; notice of appointment.
Section 500.1214	Solicitor; application for license and notice of appointment; forms; examination required; program of study as condition to examination; waiver of examination or program of study; investigations and interrogatories; decision; issuance of license; qualifications; disclosures; acting on behalf of sponsoring agent; contents of license; person licensed as solicitor for casualty insurance permitted to act as solicitor for legal expense insurance; duration and surrender of license; reexamination; notice.
Section 500.1216	Solicitor as fiduciary; accounting methods; examination of records; remuneration of person acting as agent or solicitor.
Section 500.1218	Termination of solicitor's authority to represent agent; notice; disclosure; liability of agent.
Section 500.1222	Adjuster's license required; exemptions.
Section 500.1224	Adjuster; application for license; forms; examination; investigations and interrogatories; waiver; decision; issuance of license; qualifications; additional restrictions; licenses to certain persons prohibited; "home state" defined.
Section 500.1226	Persons aiding adjuster; representation by adjuster; procedure for soliciting loss; schedule of rates; limitation on charges; contract.
Section 500.1227	Conduct of adjuster; prohibitions.
Section 500.1228	Records of adjuster.
Section 500.1232	Insurance counselor; license required; use of designation “certified insurance counselor” or “fraternal insurance counselor”; exceptions.
Section 500.1234	Insurance counselor; application for license; forms; examination; investigations and interrogatories; decision; issuance of license; qualifications.
Section 500.1236	Written agreement between insurance counselor and client.
Section 500.1238	Reporting mailing and electronic mail address of agent, solicitor, counselor, or adjuster; notice of change in address; maintaining address on file; mailing of notice of hearing or process.
Section 500.1239	Probation, suspension, or revocation of insurance producer's license; refusal to issue or reissue; causes; civil fine; notice of license denial; hearing; license of business entity; penalties and remedies.
Section 500.1240	Payment or acceptance of commission, service fee, or valuable consideration.
Section 500.1242	Refusal, suspension, or revocation of license; notice; hearings; summary suspension; subpoenas.
Section 500.1243	Definitions; sale of insurance by lender.
Section 500.1244	Violation of chapter; hearing; serving copy of findings and cease and desist order; additional orders; reopening, altering, modifying, or setting aside order; violation of cease and desist order; notice and hearing; civil fine; suspension or revocation of license; disposition of fine; court of claims.
Section 500.1246	Confidentiality; use of documents, materials, or other information.
Section 500.1247	Report of administrative action.
218-1956-12A	CHAPTER 12A (500.1261...500.1272)
Section 500.1261	Definitions.
Section 500.1262	Navigator; certification; application; funding from exchange prohibited; duties; determination by director that program to certify and train navigators protects personally identifiable information.
Section 500.1262a	Certified application counselor; certification; application; funding from exchange prohibited; powers; prohibited conduct; disclosure of potential conflict of interest.
Section 500.1263	Navigator certificate or certified application counselor certificate; application; statement; approval; criteria; training and testing program; business entity acting as navigator or certified application counselor; certificate required; verification of information; document production.
Section 500.1264	Probation, suspension, revocation, or denial of certificate; refusal to issue; civil fine; examination of books and records.
Section 500.1265	List of individual certificate holders.
Section 500.1266	Termination of relationship with individual certificate holder by business entity; notice to director.
Section 500.1268	Mailing and electronic mail address; mailing of notice or process.
Section 500.1269	Refusal of director to grant certificate; notice; hearing; suspension or revocation of certificate; summary suspension; witness and production of documents; subpoenas.
Section 500.1270	Violation of chapter; findings and decision; order; violation of cease and desist order; civil fine; injunction.
Section 500.1271	Citizen complaints; report.
Section 500.1272	Construction of chapter.
218-1956-12B	CHAPTER 12B TRAVEL INSURANCE (500.1281...500.1291)
Section 500.1281	Scope of chapter.
Section 500.1283	Definitions.
Section 500.1285	Payment of premium tax on travel insurance premiums; travel insurer duties.
Section 500.1287	Travel protection plans; requirements.
Section 500.1289	Offering or selling travel insurance; subject to unfair and prohibited trade practices and frauds; fulfillment materials; cancellation policy.
Section 500.1291	Classification of travel insurance; inland marine line of insurance; eligibility and underwriting standards.
218-1956-13	CHAPTER 13 HOLDING COMPANIES (500.1301...500.1379)
Section 500.1301	Insurance holding companies; definitions.
Section 500.1305	Domestic insurers; organization or acquisition of subsidiaries; book of business; value; admitted asset; limitation; amortization; annual test; definition; authority of commissioner.
Section 500.1311	Merging with or acquiring control of domestic insurer; statement; filing confidential notice of proposed divestiture; notice by person proposing to merge or acquire control of domestic insurer; “domestic insurer” explained.
Section 500.1312	Statement filed with director; contents; duties.
Section 500.1313	Partnership, syndicate or other group; statement filed with commissioner, amendment.
Section 500.1314	Alternative filing materials.
Section 500.1315	Merger or acquisition of control; approval by director; public hearing; determination; contested case hearing.
Section 500.1316	Information to shareholders; expense; bond; examination or investigation.
Section 500.1317	Exemptions.
Section 500.1318	Violations.
Section 500.1319	Jurisdiction of actions arising out of violations; consent to process.
Section 500.1324	Insurers subject to registration; time.
Section 500.1325	Registration statement; form; contents; other reports or information required.
Section 500.1325a	Annual enterprise risk report.
Section 500.1325b	Annual group capital calculation; filing; exemption.
Section 500.1325c	Liquidity stress test framework; results; filing; compliance with NAIC.
Section 500.1326	Registration statement; nonmaterial information not disclosed.
Section 500.1327	Registration statement; reporting material changes or additions and distributions to shareholders.
Section 500.1328	Registration; termination.
Section 500.1329	Consolidated registration statements.
Section 500.1330	Registration on behalf of affiliated insurer.
Section 500.1331	Exemptions.
Section 500.1332	Petition for disclaimer of affiliation; filing; contents; effect; disallowance.
Section 500.1333	Registration statement; failure to file.
Section 500.1334	Person subject to registration; providing information to insurer.
Section 500.1341	Transactions within holding company system; certain insurers as party; standards; prior approval; transactions entered into by domestic insurers; notification; separate transactions; review by director; total investment exceeding 10% of corporation's voting securities.
Section 500.1341a	Domestic insurer investments; limitations.
Section 500.1342	Application of MCL 500.436a.
Section 500.1343	Ordinary shareholder dividends paid by domestic insurers; review by director; determination of reasonableness; factors; limiting or disallowing payment of shareholder dividends; declaration or payment from earned surplus; declaration of shareholder dividend by domestic insurer as member of insurance holding company system; extraordinary dividend or distribution to shareholders; hearing.
Section 500.1344	Officers and directors; obligation or liability; common management or cooperative or joint use of personnel, property, or services.
Section 500.1351	Examination of insurer or affiliates; information; experts; expenses.
Section 500.1355	Examination of insurer or affiliates; privilege and confidentiality of information; use of materials; written consent; disclosure; notice; publication in interest of public; sharing documents; written agreement; responsibility of director; group capital calculation.
Section 500.1357	Participation of director in supervisory college.
Section 500.1359	Internationally active insurance group; group-wide supervisor; determination factors; duties.
Section 500.1361	Issuance of rules and orders.
Section 500.1365	Injunctions; violation of chapter, rule or order.
Section 500.1367	Voting certain securities prohibited; injunction.
Section 500.1368	Voting securities in violation of chapter; sequestration of securities.
Section 500.1371	Violation of chapter; action by director; criminal proceeding; penalty; disapproval of dividends or distributions.
Section 500.1375	Violation of chapter; receivership.
Section 500.1377	Liquidation or rehabilitation; recovery of certain distributions or payments.
Section 500.1378	Failure by commissioner to act or make determination; petition for writ of superintending control.
Section 500.1379	Violation of chapter; suspension, revocation or refusal to renew license.
218-1956-14	CHAPTER 14 MANAGING GENERAL AGENTS (500.1400...500.1450)
Section 500.1400	Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
Section 500.1401	Definitions.
Section 500.1402	Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
Section 500.1403	Persons not considered managing general agents.
Section 500.1404	Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
Section 500.1405	Licensing.
Section 500.1407	Bond; errors and omissions policy.
Section 500.1408	Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
Section 500.1409	Contract between managing general agent and insurer; required provisions.
Section 500.1411	Insurer; duties.
Section 500.1412	Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
Section 500.1413	Acts of managing general agent deemed acts of insurer; examination.
Section 500.1414	Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
Section 500.1415	Violation; penalties; judicial review; rights of policyholders, claimants, and auditors.
Section 500.1416	Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
Section 500.1417	Rules and regulations.
Section 500.1419	Effective date of chapter.
Section 500.1420-500.1450	Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
218-1956-14a	CHAPTER 14a PRODUCER CONTROLLED INSURERS (500.1451...500.1474)
Section 500.1451	“Producer” defined.
Section 500.1452	Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
Section 500.1453	Exceptions to provisions of chapter.
Section 500.1454	Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
Section 500.1455	Applicability of section; contract between controlling producer and insurer required for doing business; minimum provisions; audit committee; reports; applicability of section 60 days after effective date of chapter.
Section 500.1456	Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
Section 500.1457	Notice of relationship between producer and controlled insurer; exception; applicability of section to policies written or renewed 60 days after effective date of chapter.
Section 500.1458	Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
Section 500.1459	Noncompliance with chapter, regulation, or order; authority of commissioner; civil action for recovery of damages for benefit of insurer; other penalties; rights of third parties not affected or altered.
Section 500.1460-500.1474	Repealed. 1972, Act 133, Eff. Mar. 30, 1973.
218-1956-15	CHAPTER 15 INSURANCE PREMIUM FINANCE COMPANIES (500.1501...500.1514)
Section 500.1501	Inapplicability of chapter.
Section 500.1501a	Financial institutions; application of chapter.
Section 500.1502	Insurance premium finance companies; definitions.
Section 500.1503	License requirements; violation, penalty; fees, renewal, application.
Section 500.1504	License investigation of applicant; issuance, grounds, hearing, bond.
Section 500.1505	Premium finance company; license; revocation or suspension; grounds; hearing; penalty; appeal; remuneration; applicability of subsection (4).
Section 500.1506	Premium finance transaction records; examination; preservation.
Section 500.1507	Insurance commissioner; regulatory powers.
Section 500.1508	Premium finance agreement; requirements; specifications; items; subsidiary companies.
Section 500.1509	Premium finance company; authorized charges; service charge; amending original contract where balance of premium due changed.
Section 500.1510	Insurance premium finance agreement; delinquency charge; cancellation charge.
Section 500.1511	Premium finance agreement; cancellation of insurance, procedure, notice, refund.
Section 500.1512	Premium finance agreement; filing not required.
Section 500.1513	Existing companies; license, fee.
Section 500.1514	Insurance commissioner and employees; statement of expenses and charges, payment; employment of expert personnel.
218-1956-16.	CHAPTER 16. Creditor-Placed Insurance (500.1601...500.1631)
Section 500.1601	Insurer or producer transacting creditor-placed insurance; scope.
Section 500.1603	Private cause of action not created.
Section 500.1605	Definitions.
Section 500.1607	Dates on which insurance effective or terminated.
Section 500.1609	Premiums; calculation; limitation; charges creating balloon payment prohibited.
Section 500.1611	Exclusions.
Section 500.1613	Evidence of insurance coverage.
Section 500.1615	Policy forms and certificates of insurance; filing; schedule of premium rates; withdrawal of approval.
Section 500.1617	Refund of unearned premium or other charges; statement of refund; amount.
Section 500.1619	Loss incurred; payment; reduced net debt or actual cash value amounts; subrogation; written statement; towing and storage charges.
Section 500.1621	Insurance on collateral; conditions.
Section 500.1623	Rebates or inducements; prohibitions.
Section 500.1625	Adequate disclosure of requirement to maintain insurance; notice; final notice; noncompliance.
Section 500.1627	Investigations or examinations; enforcement; hearing; consent agreement; injunctive relief.
Section 500.1629	Judicial review; court order.
Section 500.1631	Violation of order of commission; penalty.
218-1956-17	CHAPTER 17 RISK MANAGEMENT AND OWN RISK AND SOLVENCY ASSESSMENT (500.1701...500.1715)
Section 500.1701	Definitions.
Section 500.1703	Risk management framework.
Section 500.1705	ORSA; conduct.
Section 500.1707	ORSA summary report.
Section 500.1709	Exemptions; waiver; requirement to maintain risk management framework, conduct ORSA, and file ORSA summary report; compliance by insurer no longer qualifying for exemption.
Section 500.1711	ORSA summary report; preparation; maintenance and availability; review by director.
Section 500.1713	Documents, materials, or other information; confidentiality; sharing and use of information; written agreement with NAIC or third-party consultant; administration, execution, and enforcement of chapter by director; inadmissibility as evidence.
Section 500.1715	Failure to file timely ORSA summary report; penalty.
218-1956-17A	CHAPTER 17A CORPORATE GOVERNANCE ANNUAL DISCLOSURE (500.1751...500.1767)
Section 500.1751	Limitation of chapter in accordance with other applicable state laws; exception.
Section 500.1753	Applicability of chapter.
Section 500.1755	Definitions.
Section 500.1757	Corporate governance annual disclosure; requirements; reporting at separate levels; exception for substantially similar documents.
Section 500.1759	Corporate governance policies; information made available to director.
Section 500.1761	Proprietary information; confidentiality; disclosure; exemption from freedom of information act; testimony in civil action; duties of director.
Section 500.1763	Third-party consultants and National Association of Insurance Commissioners (NAIC); confidentiality; written agreement.
Section 500.1765	Failure to file corporate governance annual disclosure; civil fine; waiver.
Section 500.1767	Severability.
218-1956-18	CHAPTER 18 (500.1801...500.1864)
Section 500.1801	Definitions.
Section 500.1803	Risk retention group chartered in state; certificate of authority; license; compliance.
Section 500.1804	Repealed. 1980, Act 341, Eff. June 23, 1981.
Section 500.1805	Risk retention group chartered in state; summary form of required information.
Section 500.1806	Repealed. 1980, Act 341, Eff. June 23, 1981.
Section 500.1807	Risk retention group chartered in state; plan of operation or feasibility study.
Section 500.1809	Risk retention group chartered in state; name.
Section 500.1810	Repealed. 1980, Act 341, Eff. June 23, 1981.
Section 500.1811	Risk retention group not chartered in state; submission of information to commissioner.
Section 500.1812	Repealed. 1980, Act 341, Eff. June 23, 1981.
Section 500.1813	Risk retention group without certificate of authority issued by commissioner; tax; regulatory fee; report.
Section 500.1815	Risk retention group not chartered in state and doing business in state; compliance required; examination of financial condition.
Section 500.1817	Risk retention group not chartered in state and doing business in state; voluntary dissolution or delinquency proceeding.
Section 500.1819	Notice required on application form and front and declaration pages of policy.
Section 500.1820	Repealed. 1980, Act 341, Eff. June 23, 1981.
Section 500.1821	Risk retention group chartered or doing business in state; prohibited conduct.
Section 500.1822	Repealed. 1980, Act 341, Eff. June 23, 1981.
Section 500.1823	Violation; fines and penalties; compliance.
Section 500.1825	Purchasing group; information required before doing business in state.
Section 500.1827	Purchasing group and insurer thereof; registration fee; statement of registration; applicability of subsection (1); information to be furnished.
Section 500.1828	Repealed. 1980, Act 341, Eff. June 23, 1981.
Section 500.1829	Purchase of insurance by purchasing group; written information to members; deductible or self-insured retention.
Section 500.1830	Repealed. 1980, Act 341, Eff. June 23, 1981.
Section 500.1831	Premium taxes and other taxes.
Section 500.1832	Repealed. 1980, Act 341, Eff. June 23, 1981.
Section 500.1833	Prohibitions regarding property and casualty guaranty association or similar association; risks covered by property and casualty guaranty association; participating member in Michigan automobile insurance placement facility; submission of information by risk retention group; apportioning proportionate share of losses and expenses.
Section 500.1835	Licensing as condition to soliciting, negotiating, or procuring liability insurance; residency requirement for agent or broker; licensure of nonresident.
Section 500.1837	Enforcement.
Section 500.1839	Financial responsibility.
Section 500.1840	Repealed. 1980, Act 341, Eff. June 23, 1981.
Section 500.1841	Repealed. 2000, Act 486, Imd. Eff. Jan. 11, 2001.
Section 500.1843-500.1864	Repealed. 1980, Act 341, Eff. June 23, 1981.
218-1956-19	CHAPTER 19 (500.1901...500.1955)
Section 500.1901	Short title.
Section 500.1902	Liberal construction and application.
Section 500.1903	Definitions; conflicting provisions.
Section 500.1903a	Contract of insurance.
Section 500.1904	Rates and forms used by unauthorized insurers.
Section 500.1905	License required to act as agent or broker in transaction of surplus lines insurance; compliance; requirements for obtaining surplus lines license; permissible acts of surplus lines licensee; conditions to placement of insurance with eligible unauthorized insurer.
Section 500.1906	Books and records of surplus lines licensee; examination; access.
Section 500.1910	Prohibited placement of insurance with unauthorized insurer; rebuttable presumption as to availability of coverages; list of unavailable lines of insurance; additions to or deletions from list; publication, revision, and availability of list.
Section 500.1911	Issuing evidence of placement of insurance with eligible unauthorized insurer; conditions; identification of entities directly assuming risk of loss; specifying obligation as joint or several; specifying proportion of obligation assumed.
Section 500.1912	Delivery of written evidence of insurance to insured or insured's representative; time; conditions.
Section 500.1913	Separate account of each transaction; filing certified evidence of transactions.
Section 500.1915	Charging fees; conditions; excessive or discriminatory fee prohibited; documentation and evidence of disclosure of fees; exclusion of fees in computation of premium taxes.
Section 500.1916	Compensation of licensee and licensed resident agent; collection of premiums; effect of premium payment made to agent.
Section 500.1917	Liability if risk assumed and premium received by licensee.
Section 500.1920	Recognition as eligible surplus lines insurer; application; recommendations; conditions; information; examination; removal of insurer from list.
Section 500.1921	Recognition as eligible unauthorized insurer; deposit; trust fund, marketable securities, or equivalent instruments; provisions inapplicable to certain unincorporated, alien insurers; commissioner as resident agent for service of process.
Section 500.1922	Notice on face of instrument evidencing surplus lines insurance.
Section 500.1930	Association of licensees; registration; purposes; required filings by association; reasons for refusal to register association; reasons for suspension or revocation of registration; denial of membership.
Section 500.1932	Servicing facility; establishment; reimbursement for expenses and payments; functions; approval; member licensee as servicing facility.
Section 500.1933	Suits by or against association; assertion or defense of rights.
Section 500.1934	Filing certified audit of books, records, and trust funds.
Section 500.1940	Reports and recommendations regarding financial condition of eligible unauthorized insurer; reports and recommendations not considered public documents; liability for statements.
Section 500.1946	Repealed. 2000, Act 486, Imd. Eff. Jan. 11, 2001.
Section 500.1950	Placement of insurance with insurer which is neither an authorized insurer nor an eligible unauthorized insurer; duties of licensee.
Section 500.1951	Procuring, continuing, or renewing insurance with unauthorized insurer; report; tax on premiums; regulatory fee.
Section 500.1952	Violation as misdemeanor; penalty.
Section 500.1955	Rules implementing chapter; declaratory rulings.
218-1956-20	CHAPTER 20 UNFAIR AND PROHIBITED TRADE PRACTICES AND FRAUDS (500.2001...500.2093)
Section 500.2001	Short title.
Section 500.2002	Purpose of act.
Section 500.2003	Prohibited trade practices; "person" defined.
Section 500.2005	Misrepresentations.
Section 500.2005a	Unfair method of competition; unfair or deceptive act or practice.
Section 500.2006	Payment of benefits on timely basis; payment of interest in alternative; failure to pay claims or interest as unfair trade practice; liability for claim pursuant to judgment; proof of loss; inability to pay claim; interest requirements; failure of reinsurer to pay benefits on timely basis; effect of inconsistency with certain acts; exceptions; processing and payment procedures; notices; payment of 1 or more services listed on claim; violations; fines; definitions; section applicable to nonprofit dental care corporation.
Section 500.2007	Unfair methods of competition or deception; false, deceptive or misleading advertising.
Section 500.2008	Audit of insured's payroll expenditures; purpose; request; failure to complete payroll audit or final audit as unfair or deceptive act or practice; failure to pay premium adjustment or dividend on timely basis as unfair or deceptive act or practice; “timely basis” defined; interest; applicability of section.
Section 500.2009	False, maliciously critical, or derogatory statement as to financial condition.
Section 500.2010	Unfair method of competition; unfair or deceptive act or practice.
Section 500.2011	Unfair methods of competition; unfair or deceptive acts or practices.
Section 500.2012	Unfair methods of competition or deception; combinations in restraint of trade.
Section 500.2013	Violation of chapter or rule; effect.
Section 500.2013a	Failure to comply with MCL 500.3107e; unfair practice; applicability to other rights.
Section 500.2014	False material statement of financial condition; false entry or omission of true entry in book, report, or statement.
Section 500.2015	Repealed. 1976, Act 273, Eff. Apr. 1, 1977.
Section 500.2016	Unfair methods of competition and unfair and deceptive acts or practices in business of insurance; applicability of section.
Section 500.2017	Unfair methods of competition or deception; illegal inducements.
Section 500.2018	False or fraudulent statements or representations as to application for insurance policy.
Section 500.2019	Unfair methods of competition or deception; unfair discrimination in life insurance.
Section 500.2020	Unfair methods of competition or deception; unfair discrimination in accident or health insurance.
Section 500.2021	Failure to furnish insured rate information upon request; unfair method of competition and unfair or deceptive act or practice in business of insurance; exception.
Section 500.2022	Repealed. 1976, Act 273, Eff. Apr. 1, 1977.
Section 500.2023	Automatic insurance on debtor contracting credit.
Section 500.2024	Unfair methods of competition or deception; rebates and special inducements.
Section 500.2024a	Giving merchandise to applicants for life insurance.
Section 500.2024b	Construction of MCL 500.2024, 500.2066, and 500.2070.
Section 500.2025	Unfair methods of competition or deception; exclusions from discrimination, rebates.
Section 500.2026	Course of conduct indicating persistent tendency to engage in that type of conduct.
Section 500.2027	Unfair methods of competition and unfair or deceptive acts or practices; prohibited conduct.
Section 500.2028	Examination; investigation.
Section 500.2029	Notice of hearing; opportunity to confer; summary disposition.
Section 500.2030	Hearing; procedure; intervention; burden of proof; commissioner or designate to preside; independent hearing officer; peremptory dismissal.
Section 500.2032	Unfair methods of competition or deception; hearing; oaths; witnesses; evidence; subpoenas; contempt of court; stenographic record; statement of evidence.
Section 500.2033	Hearing; directing witness to give testimony or produce evidence; immunity; perjury; waiver of immunity or privilege.
Section 500.2034	Unfair methods of competition or deception; service of notices, process and other papers, return.
Section 500.2038	Findings and decision to be in writing; cease and desist order; other orders; stay; modification or setting aside of order.
Section 500.2039	Finality of order.
Section 500.2040	Violation of cease and desist order; penalty; stay; contents of cease and desist order.
Section 500.2041	Unfair methods of competition or deception; court review of orders, findings of fact conclusive, modification; additional evidence.
Section 500.2043	Unfair methods of competition or deception; procedure to enjoin, jurisdiction of circuit court; filing petition; additional evidence; modification of findings; issuance of injunction; preliminary notice; application for trade conference.
Section 500.2045	Unfair methods of competition or deception; court review on petition of intervenor.
Section 500.2047	Trade practice conferences; authorization by insurance commissioner; purpose; notice; scope; recommendation; rules, regulations, or standards; construction of section.
Section 500.2049	Unfair methods of competition or deception; liability under other state laws.
Section 500.2050	Construction of chapter.
Section 500.2055	Misrepresentation of insurer's financial condition as misdemeanor; penalty; civil liability of officers and agents; forfeiture of chartered privileges; publication of true statement; other violations as misdemeanor; penalty.
Section 500.2057	Misrepresentation of insurer's identity prohibited; advertising by fire insurer not limited; violation as misdemeanor; penalty.
Section 500.2059	Maintaining or operating office for transaction of insurance business; using name of insurer in conducting or advertising business not related to business of insurance.
Section 500.2060	Repealed. 1986, Act 253, Eff. Dec. 31, 1987.
Section 500.2062	False reports; forfeiture of franchise or right to do business; violation by officers or agents as misdemeanor; penalty.
Section 500.2064	Misrepresentation of terms of policy; future benefits or dividends prohibited; illegal inducements; violation; revocation of certificate or license; penalties.
Section 500.2066	Rebates and illegal inducements prohibited; violation; revocation of license or certificate; penalties.
Section 500.2068	Revocation of license or certificate; notice; hearing; order; review by supreme court.
Section 500.2069	Violation of MCL 500.2064 or 500.2066 as misdemeanor; penalty.
Section 500.2070	Acceptance of rebate or illegal inducement prohibited; reduction of insurance; penalty.
Section 500.2074	Repealed. 2000, Act 486, Imd. Eff. Jan. 11, 2001.
Section 500.2075	Fire, marine or inland insurer's contract in restraint of competition prohibited; acts by agent prohibited; other prohibitions.
Section 500.2077	Creditors; favoritism of insurer prohibited; construction of section, violation, penalty.
Section 500.2078	Agreements as to placements of insurance; regulations.
Section 500.2080	Life insurance company, accident insurance company, sick or funeral benefit company; prohibited conduct with regard to funeral establishment, cemetery, or seller as limited life insurance producer; authorization to sell associated life insurance policies or annuity contracts; sale of cemetery goods or services or funeral goods or services; advising customers; application form; list; statement; sufficiency of death benefit; designation of certain beneficiaries prohibited; money payments required; medical, surgical, or hospital service; conditions and criteria regarding predeath assignment of proceeds of life insurance policy or annuity contract; false or misleading statements; false, misleading, deceptive, or unfair advertising; rules; protection against certain solicitations; signed statement authorizing release of assignment proceeds; failure to sign authorization statement; conditions to sale or solicitation of sale of life insurance policy or annuity contract with intention of having purchaser assign proceeds; action to enforce compliance; damages; violation as misdemeanor; separate offenses; penalties; creation, administration, and use of funeral consumers education and advocacy fund; definitions.
Section 500.2082	Racial discrimination by life insurers prohibited; violation; penalty.
Section 500.2086	False report by physician as to life or casualty insurance applicant; penalty, civil liability to insurer.
Section 500.2088	False report by physician; claim for death, sickness or disability benefits, penalty.
Section 500.2091	Unlawful advertising; notice to supervisory official.
Section 500.2092	Unlawful advertising; failure to cease and desist, procedure.
Section 500.2093	Enforcement of act against foreign or alien insurer; procedure.
218-1956-21	CHAPTER 21 (500.2101...500.2138)
Section 500.2101	Meanings of words and phrases.
Section 500.2102	Definitions; A to D.
Section 500.2103	Definitions; E to I.
Section 500.2104	Definitions; P to U.
Section 500.2105	Automobile insurance or home insurance to conform with chapter; exceptions; group plan requirements; group discounts; applicability to certain insurers; effective date.
Section 500.2106	Applicability of chapters 24 and 26; file, approval, and use of rates; inconsistent provisions.
Section 500.2107	Filings; review; disputes; approval; order of disapproval; revised filing.
Section 500.2108	Filing of manual or plan; statement of character and extent of coverage; maintaining rates in effect for eligible persons; insurer as member of or subscriber to rating organization; deviations; certification, contents, and public inspection of filing; trade secret; contract or policy to be in accordance with filings; automobile insurance compliance with chapter 24; redlining practices prohibited.
Section 500.2109	Rates for automobile insurance and home insurance; requirements; determining existence of reasonable degree of competition.
Section 500.2110	Development and evaluation of rates; considerations; systems of expense provisions; grouping risks by classifications.
Section 500.2110a	Premium discount plan.
Section 500.2110b	Use of automobile repair or automobile glass repair or replacement service; unreasonable restriction prohibited; disclosure; notice to consumers; development of plan.
Section 500.2111	Classifications and territorial base rates for automobile insurance or home insurance; conformity with applicable requirements; additional factors.
Section 500.2111a	Completion of traffic accident prevention course; premium discount to insureds 50 years of age and older; provisions.
Section 500.2111b, 500.2111c	Repealed. 1991, Act 191, Eff. Apr. 1, 1992.
Section 500.2111d	Home insurance; premium discount plan for senior citizens.
Section 500.2111e	Rates increase prohibited; applicability of section.
Section 500.2111f	Automobile insurance; premium rate reduction requirements for personal protection insurance coverage; approval by director; use of savings; applicability to certain increases; inclusion of catastrophic claims assessment; severability; definitions.
Section 500.2112	Written notice to policyholder; information available upon request; contact information; manner of providing; trade secret.
Section 500.2113	Private informal managerial-level conference with insurer; internal procedures; review and determination by commissioner; procedure for determination; hearing matter as contested case.
Section 500.2114	Person or organization aggrieved by filing; application for hearing; specification of grounds; notice of hearing; order of commissioner.
Section 500.2115	Finding by commissioner that reasonable degree of competition does not exist on statewide basis; order requiring compliance with chapter 24 or 26; hearing; notice; new order.
Section 500.2116	Condition of licensure as insurance agent; penalizing insurance agent.
Section 500.2116a	Automobile insurance; person on active duty in United States armed forces; lapse in coverage; prohibited conduct by insurer; conditions.
Section 500.2116b	Automobile insurance; lapse in coverage; prohibited conduct by insurer; applicability.
Section 500.2117	Home insurance; condition of maintaining insurer's certificate of authority; basis of underwriting rules; provisions applicable to repair cost policy; rates; aggregation of claims; adjustment of minimum dollar amounts.
Section 500.2118	Automobile insurance; condition of maintaining insurer's certificate of authority; basis of underwriting rules.
Section 500.2119	Underwriting rules to be in writing; inconsistent transactions prohibited; uniform application of underwriting rules required; adoption of underwriting rules by insurer with more than 1 rating plan; underwriting rules for new applicants and for renewals; filing and public inspection of underwriting rules; order prohibiting use of inconsistent underwriting rule.
Section 500.2119a	Automobile insurance; calculating insurance eligibility points.
Section 500.2120	Automobile insurance; establishment of underwriting rules by affiliated insurers; applicability of subsection (1); compliance; separate rating plans; applicability of subsection (2); underwriting rules defining applicable rating plan; basis of underwriting rules.
Section 500.2121	Home insurance; criteria for selecting dwellings for inspection; inspection program; filing inspection criteria; disapproval of inspection criteria; liability.
Section 500.2122	Declination of insurance; explanation of reasons; refusal of application form as declination.
Section 500.2123	Termination of insurance; delivery or mailing of notice; contents of notice; effective date of termination; conformity with underwriting rules; violation of chapter 32 not authorized.
Section 500.2124	Liability for information or statement.
Section 500.2125	Suspension of insurer's obligation under MCL 500.2117 or 500.2118; hearing; duration of suspension.
Section 500.2126	Suspension of acceptance of applications; filing and contents of notice; disapproval.
Section 500.2127	Collecting and reporting data; rule; use of sampling techniques.
Section 500.2128	Repealed. 1986, Act 10, Imd. Eff. Feb. 28, 1986.
Section 500.2129	Exemption from chapter; request; form; continuation of exemption; filing annual reporting form; order discontinuing exemption; requalification for exemption prohibited; ineligible insurers.
Section 500.2130	Rules requiring exchange of insurance claim information; liability.
Section 500.2131	Effective date of MCL 500.2101 to 500.2105, 500.2107, and 500.2131; effective date of chapter generally.
Section 500.2134-500.2138	Repealed. 1991, Act 191, Eff. Apr. 1, 1992.
218-1956-21a	CHAPTER 21a CREDIT INFORMATION AND CREDIT SCORES (500.2151...500.2162)
Section 500.2151	Definitions.
Section 500.2153	Credit information or insurance score; use.
Section 500.2154	Reasonable exceptions.
Section 500.2156	Notice of adverse action.
Section 500.2157	Incorrect or incomplete credit information; adjustments.
Section 500.2159	Cause of action; construction of chapter.
Section 500.2161	Use of credit information or insurance scores; liability, fees, and costs arising out of actions, errors, or omissions.
Section 500.2162	Use of credit score to establish rates or rating classification for automobile insurance; prohibition.
218-1956-22	CHAPTER 22 THE INSURANCE CONTRACT (500.2204...500.2266)
Section 500.2204	Settlement of action brought by third party against person insured under commercial liability insurance policy; notice to insured required.
Section 500.2205	Minor's contracts for insurance.
Section 500.2206	Repealed. 2014, Act 140, Eff. Mar. 31, 2015.
Section 500.2207	Insurable interest; personal insurance; rights of beneficiaries, creditors.
Section 500.2209	Insurable interest; married woman; right to proceeds, devise.
Section 500.2210	Definitions; insurable interest; employer; trust; exemption from claims.
Section 500.2210a	Trustee having insurable interest under MCL 700.7114.
Section 500.2211	Consent of insured.
Section 500.2212	Insurable interest in life of individual.
Section 500.2212a	Health insurance policy; written summary requirements; style, arrangement and appearance of policy; electronic copy permissible; "board certified" defined.
Section 500.2212b	Policy issued under MCL 550.3405 and to health maintenance organization contract; applicability; termination of affiliation or participation between primary care physician and insurer; notice to insured; effect of termination; definitions.
Section 500.2212c	Prescription drug prior authorization workgroup; creation; development of methodology; prior authorization request; definitions.
Section 500.2212d	National or regional certification of physician; condition of payment or reimbursement by insurer or health maintenance organization; prohibited.
Section 500.2212e	Standard electronic prior authorization transaction process; requirements; adverse determination process; denial and appeals; standard report; modification program; definitions.
Section 500.2213	Internal formal grievance procedure; approval by director; provisions; person authorized to act on behalf of insured or enrollee; section inapplicable to provider complaint and insurance listed in right to independent review act; written notice to be culturally and linguistically appropriate; definitions.
Section 500.2213a	Expenses incurred by director; calculation; assessment; "insurer" defined.
Section 500.2213b	Renewal or continuation of policy; modification; guaranteed renewal; discontinuing plan or product in nongroup or group market; short-term or 1-time limited duration policy or certificate; reports.
Section 500.2213c	Disability income insurer; internal grievance procedure; establishment; contents; “grievance” defined.
Section 500.2213d	Uniform prescription drug information card or other technology.
Section 500.2213e	Rescission of health insurance policy; conditions; "rescind coverage" defined; application.
Section 500.2214	Disability insurance; application, use as evidence.
Section 500.2216	Life or disability insurance; alteration of application.
Section 500.2218	Disability insurance; false statement in application; effect.
Section 500.2220	Life insurance; solicitor as agent of insurer.
Section 500.2226	Life insurance; benefits, manner of payment, period, and premiums to be contained in policy.
Section 500.2227	Withholding final settlement amount; notice; escrow procedure to be followed by city, village, or township; disposition of money by local treasurer; commingling funds prohibited; retention of interest to defray expenses; forwarding policy proceeds; proof; effect of failure to provide reasonable proof; demolition of property; civil action for return of policy proceeds; liability; applicability of section; list of cities, villages, and townships; exception to withholding requirements; definitions.
Section 500.2228	Automobile insurance; contents of policy.
Section 500.2230	Mutual insurers other than life; contents of policy.
Section 500.2232	Reciprocal insurers; contents of policy.
Section 500.2235	Written notice to insured under worker's compensation insurance policy.
Section 500.2236	Forms generally; filing; approval; type size; membership in or subscription to rating organization; substitute form; readability score and other requirements; approval of changes or additions; notice of disapproval or withdrawal of approval; prohibition; hearing; separate violation; penalty; applicability of filing requirements; satisfaction of requirement for delivery of form or notice; "exempt commercial policyholder" and "insurer" defined; court review of order.
Section 500.2236a	Interest indexed universal life insurance; information to be maintained on file.
Section 500.2237	Policy issued under chapter 34; prohibited restriction of liability.
Section 500.2238	Repealed. 1970, Act 180, Imd. Eff. Aug. 3, 1970.
Section 500.2239	Health care service rendered by dentist; benefits or reimbursement; “dentist” defined; policies to which section applicable.
Section 500.2242	Group disability policy; filing and approval of form; grounds for disapproval; notice, hearing, and appeal requirements; withdrawal of approval; quarterly filing; applicability of section to forms filed by nonprofit dental corporation.
Section 500.2243	Group policies; optometric service; coverage.
Section 500.2246	Insured or applicant for life insurance policy as victim of domestic violence; refusal to provide coverage prohibited; exceptions; liability; applicability to policies on or after June 1, 1998; “domestic violence” defined.
Section 500.2248	Automobile insurance; delivery of policy to insured.
Section 500.2250	Binders or other contracts for temporary insurance; applicability.
Section 500.2254	Action against domestic insurer by member or beneficiary; conditions.
Section 500.2260	Life or disability insurance; acts not constituting waiver of defenses.
Section 500.2264	Termination of dependent coverage at specified age; exception.
Section 500.2264a	Hospital or medical care coverage or reimbursement for children who are full-time or part-time students and take leave of absence.
Section 500.2265-500.2290	Repealed. 1992, Act 84, Imd. Eff. June 2, 1992.
Section 500.2266	Electronic delivery of insurance documents; requirements; withdrawal of consent; civil liability; applicability to health insurer or health maintenance organization; definitions.
218-1956-22A	CHAPTER 22A (500.2270...500.2277)
Section 500.2270	Definitions.
Section 500.2271	Certificate of insurance; prohibitions.
Section 500.2273	Certificate of insurance; representation.
Section 500.2275	Notice of cancellation, nonrenewal, and similar notice; limitation.
Section 500.2277	Violation; findings and decision of director; order.
218-1956-23	CHAPTER 23 WORKER'S COMPENSATION INSURANCE RATES (500.2301...500.2352)
Section 500.2301	Participation in facility by insurers required; purposes.
Section 500.2303	Definitions.
Section 500.2310	Facility; operation; board of governors; appointment, terms, and qualifications of members.
Section 500.2312	Facility; plan of operation; preparation, approval, review, and revision; required provisions; application of plans to insureds; retrospective evaluation of premiums and loss and expense experience.
Section 500.2318	Facility; classification and rating systems; determination and use.
Section 500.2320	Facility; deferred premium payment plans.
Section 500.2322	Agent authorized to solicit, negotiate, or effect worker's compensation insurance on behalf of facility or participating member; rights and duties.
Section 500.2350	Formal hearing and ruling by facility board of governors; request; appeal; commissioner's order.
Section 500.2352	Determinations made by commissioner.
218-1956-24	CHAPTER 24 CASUALTY INSURANCE RATES (500.2400...500.2484)
Section 500.2400	Purposes and interpretation of chapter.
Section 500.2400a	Repealed. 1993, Act 200, Eff. Dec. 28, 1994.
Section 500.2401	Applicability of chapter; insurance or coverage subject to regulation by another rate regulatory chapter; filing designation with commissioner; order for prior approval; absence of reasonable degree of competition.
Section 500.2402	Definitions; data collection agency; creation; purpose; governing board; appointment, terms, and qualifications of members; conduct of business at public meeting.
Section 500.2403	Rate-making provisions; uniformity among insurers.
Section 500.2404	Secondary or merit rating plan for commercial liability insurance rates; rating plan for medical malpractice insurance; limitations; “commercial liability insurance” defined.
Section 500.2405	Liquor liability insurance policies; server training discount plan; certified server training course.
Section 500.2406	Required filings by insurers; insufficient information; supporting information; notice; public inspection; becoming member of or subscriber to licensed rating organization; rates and rating systems regarding worker's compensation insurance; filings; certification; trade secret.
Section 500.2407	“Pure premium data” defined; worker's compensation insurance; collecting, compiling, or making available to insurers certain information; filing rating system incompatible with approved statistical plans; proposed plan for reporting data; hearing; sharing information in establishing rates prohibited; exception; cost of operating data collection agency; rules; applicability of section.
Section 500.2408	Review of filings by commissioner; purpose; waiting period; extension; effective date of filing; special filing; section inapplicable to worker's compensation insurance.
Section 500.2409	Repealed. 2016, Act 101, Eff. Aug. 1, 2016.
Section 500.2409a	Repealed. 2016, Act 101, Eff. Aug. 1, 2016.
Section 500.2409b	Repealed. 2016, Act 104, Eff. Aug. 1, 2016.
Section 500.2409c	Repealed. 2016, Act 99, Eff. Aug. 1, 2016.
Section 500.2410	Filing requirements; modification or suspension by insurance commissioner.
Section 500.2411	Rates and rating systems; classifications; merit rating plan; use of single enterprise rule or similar rule prohibited.
Section 500.2412	Filing requirements; adherence by insurer.
Section 500.2414	Filing requirements; excess rates on specific risks.
Section 500.2416	Disapproval of filing; notice; waiting period.
Section 500.2418	Disapproval of filing after approval; hearing; notice; procedure.
Section 500.2419	Excessive premium charges for worker's compensation insurance; personal meeting with management representative; providing reserve and redemption information to insured upon request; determination of dispute by commissioner; rules; redemption of worker's compensation claim; notice.
Section 500.2420	Complaint of aggrieved person or organization; application for hearing; notice; order rendering filing ineffective; filing by insurer providing worker's compensation insurance controlled by nonprofit health care corporation; prohibited use of section.
Section 500.2421	Insurer authorized to write worker's compensation insurance; prohibited acts.
Section 500.2426	Manual of classifications, rules and rating plans; rates meeting standards.
Section 500.2430	Manual of classifications; rules and rating plans; alternative filing; effective date; hearing; order of disapproval; adjustment of premium; review of filing.
Section 500.2431	Group rated automobile insurance; MCL 500.2430 inapplicable.
Section 500.2434	Malpractice insurance for physicians; rating classifications; furnishing classifications to legislature and governor.
Section 500.2436	Application for license as rating organization; issuance of license by commissioner; fee; duration; notification of changes.
Section 500.2438	Rating organizations; subscribers; notice of changes in rules; furnishing of service without discrimination; review; order.
Section 500.2440	Rating organizations; rules affecting payment of dividends, savings or unabsorbed premium.
Section 500.2446	Rating organizations; cooperation with other rating organizations and insurers, discontinuance.
Section 500.2450	Rating organizations; deviation from filings, procedure, termination of deviation.
Section 500.2452	Rating organizations; alternative deviation, without waiting period, procedure, termination of deviation.
Section 500.2456	Rating organizations; subscriber appeal to insurance commissioner from action by organization.
Section 500.2458	Furnishing information as to rates; hearings for persons aggrieved by rating system; appeal; representation.
Section 500.2462	Advisory organizations; definition; filing; discontinuance of unfair or unreasonable practices; rate filings; violation.
Section 500.2464	Joint underwriting or reinsurance; unfair activities.
Section 500.2468	Examination of rating organizations; report.
Section 500.2472	Statistical plans; exchange of data, consultation.
Section 500.2474	Prohibited acts; violation; penalties.
Section 500.2475	Policy forms and statistical plans for worker's compensation insurance; continuation.
Section 500.2476	Assigned risks; rate modifications.
Section 500.2477	Repealed. 2016, Act 102, Eff. Aug. 1, 2016.
Section 500.2477a	Repealed. 2016, Act 102, Eff. Aug. 1, 2016.
Section 500.2477b	Repealed. 2016, Act 102, Eff. Aug. 1, 2016.
Section 500.2477c	Repealed. 2016, Act 102, Eff. Aug. 1, 2016.
Section 500.2477d	Repealed. 2016, Act 98, Eff. Aug. 1, 2016.
Section 500.2478	Violation of chapter; imposition and disposition of civil fine; suspension or revocation of license.
Section 500.2482	Insurer or rating organization aggrieved by order without hearing; hearing, court review.
Section 500.2484	Insurance commissioner; regulatory powers.
218-1956-25	CHAPTER 25 BROWN-McNEELY INSURANCE FUND (500.2500...500.2517)
Section 500.2500-500.2517	Repealed. 1977, Act 42, Imd. Eff. June 28, 1977;—1996, Act 548, Imd. Eff. Jan. 15, 1997.
218-1956-26	CHAPTER 26 FIRE AND INLAND MARINE RATES (500.2600...500.2674)
Section 500.2600	Purpose of chapter; construction.
Section 500.2601	Scope of chapter.
Section 500.2603	Rate-making provisions; uniformity.
Section 500.2604	Expired. 1980, Act 461, Eff. Dec. 31, 1980.
Section 500.2606	Rate filings; proposed effective date; character and extent of coverage; insufficient information; public inspection; trade secret; inland marine rates; insurer as member of or subscriber to rating organization.
Section 500.2608	Rate filings; review by insurance commissioner; waiting period; specific inland marine rates on risks.
Section 500.2610	Filing requirements; modification or suspension by insurance commissioner.
Section 500.2612	Rate filings; adherence by insurer.
Section 500.2614	Rate organization; excess rates on specific risks.
Section 500.2616	Disapproval of filing by insurance commissioner; notice; waiting period; specific inland marine rate.
Section 500.2618	Failure of filing to meet requirements; procedure.
Section 500.2620	Disapproval of filing; complaint of aggrieved person or organization; hearing; notice; order rendering filing ineffective.
Section 500.2626	Manual, minimum, class rate, rating schedule, rating plan or rule; rates meeting standards.
Section 500.2628	Rates; alternative method of filing; disapproval; hearing; order; approval; adjustment of premium; review.
Section 500.2630	Rating organization; license application, contents.
Section 500.2636	Rating organizations; subscribers; notice of changes in rules and regulations; review; order.
Section 500.2638	Rating organizations; rules affecting payment of dividends, savings or unabsorbed premiums.
Section 500.2640	Rating organizations; cooperation with other rating organizations and insurers, discontinuance.
Section 500.2642	Rating organizations; submission of policies for examination; actuarial, technical, or other services.
Section 500.2646	Rating organizations; deviation, procedure, termination of deviation.
Section 500.2648	Rating organizations; alternative methods for deviation.
Section 500.2650	Rating organizations; member or subscriber, appeal to insurance commissioner.
Section 500.2652	Rating organization and insurer; rating information to insured, hearing; appeal.
Section 500.2654	Advisory organizations; definition; filing; discontinuance of unfair or unreasonable practices; rate filings; violation.
Section 500.2658	Joint underwriting or reinsurance; unfair activities.
Section 500.2662	Examination of rating advisory organizations; report.
Section 500.2664	Statistical plans; exchange of data, consultation.
Section 500.2666	Withholding information, false or misleading information; penalties.
Section 500.2670	Violation of chapter; imposition and disposition of civil fines; suspension or revocation of license.
Section 500.2672	Insurer or rating organization aggrieved by order without hearing; hearing, court review.
Section 500.2674	Insurance commissioner; regulatory powers.
218-1956-27	CHAPTER 27 LEGAL EXPENSE INSURANCE (500.2700...500.2706)
Section 500.2700	Applicability of chapter.
Section 500.2702	Meaning of group legal expense insurance.
Section 500.2704	Rate-making procedure; uniformity among insurers; excessive rates.
Section 500.2706	Procedures and standards for approval of casualty rates and forms to apply to legal expense insurance.
218-1956-28	CHAPTER 28 FIRE INSURANCE CONTRACTS (500.2804...500.2866)
Section 500.2804	Fire insurance contracts on property herein deemed made in Michigan.
Section 500.2806	Policy or contract of fire insurance; requirements.
Section 500.2807, 500.2808	Repealed. 1990, Act 305, Imd. Eff. Dec. 14, 1990.
Section 500.2810	Printing regulations on fire policy.
Section 500.2812	Combination fire policy; mandatory provisions.
Section 500.2816-500.2824	Repealed. 1990, Act 305, Imd. Eff. Dec. 14, 1990.
Section 500.2826	Liability for difference between actual value of property and amount expended to repair, rebuild, or replace.
Section 500.2827	Fire policy providing reimbursement for lost or damaged property; maximum liability; cash settlement; payment of amount in excess of actual cash value of lost or damaged property.
Section 500.2828	Repealed. 1990, Act 305, Imd. Eff. Dec. 14, 1990.
Section 500.2832	Repealed. 1990, Act 305, Eff. Jan. 1, 1992.
Section 500.2833	Fire insurance policy; mandatory provisions; coverage.
Section 500.2834	Fire insurance policy; exclusion related to terrorism; definition.
Section 500.2836	Breach of warranty or condition as defense; payment of losses.
Section 500.2840	Repealed. 1990, Act 305, Imd. Eff. Dec. 14, 1990.
Section 500.2842	Average or pro rata clause; form; filing and approval.
Section 500.2845	Withholding 25% of actual cash value or final settlement where loss to insured real property due to fire or explosion; notice to city, village, or township treasurer, insured, and mortgagee; escrowing and retaining withheld amount; procedure; recording information and depositing money in trust or escrow account; releasing policy proceeds to mortgagee; commingling funds prohibited; retaining earned interest; forwarding money to insured; reasonable proof; using retained proceeds to secure, repair, or demolish damaged or destroyed structure and clear property; returning unused portion of retained proceeds; demolition of property; civil action for return of policy proceeds; liability of insurer; applicability of section; list of cities, villages, and townships; exception to withholding requirements; definitions.
Section 500.2850	Repealed. 1962, Act 71, Eff. Mar. 28, 1963.
Section 500.2860	Contrary provision void.
Section 500.2862	Repealed. 1978, Act 219, Eff. Dec. 5, 1978.
Section 500.2866	Violation of chapter; forfeiture and disposition of fine; revocation of authority to transact business; reinstatement.
218-1956-29	CHAPTER 29 BASIC PROPERTY INSURANCE (500.2901...500.2954)
Section 500.2901	Definitions.
Section 500.2910	Inspection of property; requests; operation of inspection bureau.
Section 500.2912	Issuing insurance at rate requiring consent under MCL 500.2414 or 500.2614; inspection; sworn statements; false affidavits; employing services of surplus lines agent; forms of sworn statements; descriptions of rights.
Section 500.2920	Michigan basic property insurance association or “pool”; membership; plan of operation and amendments to plan; approval; compliance; designation of members as servicing facilities; reimbursement and authority of facility; rules; rights and liabilities of pool.
Section 500.2921	Board of governors as manager of pool; appointment, election, qualifications, and term of members; time of election; allotment of votes; increasing number of governors; vacancy.
Section 500.2923	Agents writing insurance on behalf of pool; commissions; losses.
Section 500.2924	Underwriting standards employed in determining acceptable risk for basic property insurance; basis of underwriting program for home insurance.
Section 500.2925	Application to pool for basic property insurance; form; findings; issuance of policy; reinsuring policies; statement required if risk found not acceptable; term of policy; renewal of policy; waiver of inspection; issuance and term of binders.
Section 500.2925a	Application to pool for home insurance; form; findings; issuance of policy; reinsuring policies; statement required if property or applicant not qualified; term of policy; renewal of policy; selection of dwellings for inspection; issuance and term of binders.
Section 500.2925b	Liability; inspection; enforcement by commissioner.
Section 500.2925c	Notice of rights to obtain home insurance.
Section 500.2926-500.2929	Repealed. 1971, Act 74, Eff. Aug. 1, 1971.
Section 500.2930	Basic property insurance; amount of premium; surcharge; establishment of rates; filing rates and policy forms.
Section 500.2930a	Rates charged in territory for home insurance; conditions; limitation on premium for repair cost policy; development of plans, rules, classifications, territories, and calculation steps; policy forms; filing; definitions.
Section 500.2931	Limitation on annual premiums written by or on behalf of pool; premium ratios.
Section 500.2932	Annual rate of assessment; establishment; purpose; basis; notice; payment of assessments; estimating assessable premiums; adjustment of premium rates; annual statement; assessments as income; deficit or surplus; advance assessments; exempting or deferring assessment; duration of certain rate adjustments; certain deficits carried forward; sharing assets, liabilities, income, and disbursements.
Section 500.2933	Pool exempted from fees and taxes; exception.
Section 500.2939	Reinsurance permitted.
Section 500.2940	Repealed. 2000, Act 486, Imd. Eff. Jan. 11, 2001.
Section 500.2941	Pool; supervision, regulation and examination.
Section 500.2942	Liability for statements made in reports, at hearings, or in findings; reports of inspection bureau.
Section 500.2943	Appeal to insurance commissioner; hearing; order.
Section 500.2950	Repealed. 1971, Act 74, Eff. Aug. 1, 1971.
Section 500.2952	Federal riot reinsurance reimbursement fund; contents, assessments, reimbursements, retroactive effect.
Section 500.2954	Determinations made by commissioner.
218-1956-30	CHAPTER 30 CASUALTY INSURANCE CONTRACTS (500.3004...500.3037)
Section 500.3004	Liability insurance policies; contents required.
Section 500.3006	Liability insurance policies; insolvency or bankruptcy of insured.
Section 500.3008	Liability insurance policies; notice to insurer.
Section 500.3009	Automobile liability or motor vehicle liability policy; limits; exclusion of named person; notice; documentary evidence of deleted coverages.
Section 500.3010	Loss or damage to insured vehicle caused by fire or explosion; payment of claim; report; applicability of section; local governments electing to apply section to all insurance companies; list; insurer withholding money while complying with section.
Section 500.3011	Loss or damage caused by fire or explosion to insured building; failure or refusal to submit report to fire or law enforcement authority; withholding payments; list of cities, villages, and townships applying section to insurance companies; addition or deletion to list; liability.
Section 500.3012	Liability insurance policy; noncomplying forms, defenses of insurer.
Section 500.3015	Repealed. 1991, Act 191, Eff. Apr. 1, 1992.
Section 500.3017	Loss or injury while transportation network company driver is logged on to transportation network company digital network or transportation network company driver is providing prearranged ride; excluded coverage; examples; coverage not required; coverage for personal vehicle by contract or endorsement; defending or indemnifying claim; compliance with limousine, taxicab, and transportation network company act; exchange of information during investigation of coverage; definitions.
Section 500.3020	Policy of casualty insurance; mandatory provisions; filing rule providing minimum retention of premium for automobile insurance; issuance of policy to meet MCL 257.227a; providing short rate premium for insurance on motorcycle, watercraft, off-road vehicle, or snowmobile; definitions; effect of cancellation on claim; mailing or delivery of notice; statement; rule establishing short rate premium.
Section 500.3021	Liability insurance policy; prohibits age discrimination, conditions.
Section 500.3030	Insurer not to be made or joined as party defendant; reference to insurer or insurance during trial.
Section 500.3032	Court action; application of "Restatement of the Law, Liability Insurance" prohibited.
Section 500.3036	Liability policy in lieu of bond on appeal; recognizance for costs; deposit of policy or bond; admission of liability; agreement to pay judgment; judgment in excess of coverage; stay of execution upon filing bond for difference.
Section 500.3037	Limited collision, broad form collision, and standard and limited collision coverages; deductibles; waiver of deductible; rejection of coverages; form; rejection statement; failure to sign or return written rejection statement; explanation of collision coverage options; providing policyholder with collision coverage information; "collision damage" and "substantially at fault" defined.
218-1956-30A	CHAPTER 30A (500.3051...500.3062)
Section 500.3051-500.3062	Repealed. 1993, Act 349, Imd. Eff. Jan. 10, 1994;—1993, Act 349, Eff. Oct. 1, 1995.
218-1956-31	CHAPTER 31 MOTOR VEHICLE PERSONAL AND PROPERTY PROTECTION (500.3101...500.3179)
Section 500.3101	Security for payment of benefits required; period security required to be in effect; definitions; policy of insurance or other method of providing security; filing proof of security; exclusion.
Section 500.3101a	Providing certificate of insurance to secretary of state and policy information to the Michigan automobile insurance placement facility; vehicle identification number as proof of vehicle insurance; confidentiality of policy information; prohibited acts; misdemeanor; penalty; report; "automobile insurance" and "private passenger nonfleet automobile" defined.
Section 500.3101b	Repealed. 2011, Act 91, Imd. Eff. July 15, 2011.
Section 500.3101c	Standard certified statement.
Section 500.3101d	Qualification as self-insurer; certificate; issuance; cancellation.
Section 500.3102	Nonresident owner or registrant of motor vehicle or motorcycle to maintain security for payment of benefits; operation of motor vehicle or motorcycle by owner, registrant, or other person without security; penalty; failure to produce evidence of security; rebuttable presumption.
Section 500.3103	Owner or registrant of motorcycle; security required; offering security for payment of first-party medical benefits; rates, deductibles, and provisions.
Section 500.3104	Catastrophic claims association; board of directors; plan of operation; annual report; actuarial examination; refund; hearing; annual consumer statement; liability of association; definitions.
Section 500.3105	Insurer liable for personal protection benefits without regard to fault; “bodily injury” and “accidental bodily injury” defined.
Section 500.3106	Accidental bodily injury arising out of ownership, operation, maintenance, or use of parked vehicle as motor vehicle; conditions.
Section 500.3107	Expenses and work loss for which personal protection insurance benefits payable.
Section 500.3107a	Basis of work loss for certain injured persons.
Section 500.3107b	Reimbursement or coverage for certain expenses not required.
Section 500.3107c	Personal protection insurance benefits; coverage limits for allowable expenses; form; rebuttable presumption; application of coverage selection; stacking of insurance policies; applicability to transportation network company vehicle; rider for attendant care.
Section 500.3107d	Election to not maintain personal protection insurance benefit coverage; proof of qualified health coverage; form; failure to make election; termination of qualified health coverage; definitions.
Section 500.3107e	Delivery of forms under MCL 500.3009, 500.3107c, 500.3107d; method of selection or election for forms.
Section 500.3108	Survivor's loss; benefits.
Section 500.3109	Subtraction of other benefits from personal protection benefits; injured person defined; deductible provision.
Section 500.3109a	Offering deductibles and exclusions reasonably related to other health and accident coverage; exclusion for qualified health coverage; reduced premium rates; applicability of exclusion; termination of qualified health coverage; refusal to insure for failure to obtain certain security prohibited; amount of premium reduction.
Section 500.3110	Dependents of deceased person; termination of dependency; accrual of personal protection benefits.
Section 500.3111	Payment of personal protection insurance benefits for accident occurring out of state.
Section 500.3112	Persons to whom personal protection insurance benefits payable; claim to recover overdue benefits; discharge of insurer's liability.
Section 500.3113	Person not entitled to personal protection insurance benefits.
Section 500.3114	Persons entitled to personal protection insurance benefits or personal injury benefits; order of priority for claim of motor vehicle occupant or motorcycle operator or passenger; assigned claims plan; 2 or more insurers in same order of priority; partial recoupment; definitions.
Section 500.3115	Personal protection insurance benefits under the assigned claims plan for claims of persons not occupants of vehicle.
Section 500.3116	Value of claim in tort; subtraction from or reimbursement for benefits.
Section 500.3121	Liability for accidental damage to tangible property.
Section 500.3123	Exclusions from property protection insurance benefits.
Section 500.3125	Priorities in claiming property protection benefits.
Section 500.3127	Distribution of loss, reimbursement, and indemnification among property protection insurers.
Section 500.3131	Residual liability insurance; coverage.
Section 500.3135	Tort liability for noneconomic loss; exceptions; cause of action for damages; "serious impairment of body function" defined.
Section 500.3136	Tort liability for damage to tangible property from 1 accident in excess of limit under MCL 500.3121.
Section 500.3141	Notice of accident.
Section 500.3142	Personal protection insurance benefits payable as loss accrues; overdue benefits; interest.
Section 500.3143	Assignment of right to future benefits void.
Section 500.3145	Limitation of actions for recovery of personal or property protection insurance benefits; period of limitations; tolling; notice of injury.
Section 500.3146	Limitation of action by insurer for recovery or indemnity.
Section 500.3148	Attorney's fee; restrictions.
Section 500.3151	Submission to mental or physical examination; physician requirements.
Section 500.3152	Report of mental or physical examination.
Section 500.3153	Court orders as to noncompliance with MCL 500.3151 and 500.3152.
Section 500.3157	Charges for treatment or training for injured persons; limitation on eligibility for payment or reimbursement; applicability; "freestanding rehabilitation facility" defined; qualification for payment requirements; attendant care; neurological rehabilitation clinic; applicability to ambulance operation; definitions.
Section 500.3157a	Provision of treatment, products, services, or accommodations under personal protection insurance; submission of records for utilization review; false or misleading information is a fraudulent insurance act; rules; appeal of determination.
Section 500.3157b	Proprietary information; exemption from disclosure under the freedom of information act.
Section 500.3158	Statement of earnings; report and records from medical institution.
Section 500.3159	Discovery.
Section 500.3163	Automobile insurer; not required to provide personal and property protection insurance benefits to out-of-state residents; exception.
Section 500.3171	Assigned claims plan; organization and maintenance; participation; costs; rules; adoption and maintenance by Michigan automobile insurance placement facility; approval of plan; amendments; provisions; report; definitions.
Section 500.3172	Conditions to obtaining personal protection insurance benefits through assigned claims plan; collection of unpaid benefits; application and reasonable proof of loss; payment of interest; reimbursement from defaulting insurers; reduction of benefits; definitions; effect of dispute between insurers; limitation on benefits.
Section 500.3173	Certain persons disqualified from receiving benefits under assigned claims plans.
Section 500.3173a	Eligibility for benefits; initial determination; denial; notice; false statement.
Section 500.3174	Notice of claim through assigned claims plan; assignment of claim; notice to claimant; commencement of action by claimant.
Section 500.3175	Rules for assignment of claims; duties of insurer to whom claims assigned; compromises and settlements; procedures; limitation on action to enforce rights; interest on delinquent payments; installment payments; default.
Section 500.3176	Taking costs into account in making and regulating rates.
Section 500.3177	Recovery by insurer of benefits and costs from owner or registrant of uninsured motor vehicle; written agreement to pay judgment in installments; notice.
Section 500.3178	Annual report.
Section 500.3179	Act applicable October 1, 1973.
218-1956-31A	CHAPTER 31A MANAGED CARE (500.3181...500.3189)
Section 500.3181	"Managed care option" defined.
Section 500.3182	Applicability of chapter.
Section 500.3183	Automobile insurer; offering of managed care option; requirements.
Section 500.3184	Offer of personal protection insurance benefits required for certain managed care options.
Section 500.3185	Application of managed care option.
Section 500.3186	Managed care option; deductibles and co-pays.
Section 500.3187	Managed care option; requirements.
Section 500.3188	Selection of managed care option; written disclosure statement; requirements.
Section 500.3189	Managed care disclosure statement; additional requirements.
218-1956-32	CHAPTER 32 CANCELLATION OF AUTOMOBILE LIABILITY POLICIES (500.3201...500.3262)
Section 500.3201	Repealed. 1978, Act 218, Eff. Dec. 5, 1978.
Section 500.3204	Refusal to renew policy as cancellation; requisites.
Section 500.3206	Policy of automobile insurance; definition.
Section 500.3208	Inapplicability of chapter; termination of coverage at end of policy period.
Section 500.3212	Inapplicability of chapter; nonpayment of premiums.
Section 500.3220	Cancellation; reasons.
Section 500.3224	Denial of coverage; notice of cancellation.
Section 500.3230	Validity of cancellation; request for hearing.
Section 500.3234	Validity of cancellation; appeal, hearing by insurance commissioner, notice.
Section 500.3240	Validity of cancellation; conduct of hearing, determination.
Section 500.3244	Validity of cancellation; order for reinstatement or upholding cancellation; stay of cancellation; appeal.
Section 500.3250	Statements in cancellation notice; liability.
Section 500.3254	Filing fee; return to insured; disposition of funds.
Section 500.3260	Insurance commissioner; regulatory powers.
Section 500.3262	Private automobiles of peace officers, fire fighters, or ambulance drivers; cancellation of insurance; “ambulance driver” defined.
218-1956-33	CHAPTER 33 AUTOMOBILE INSURANCE PLACEMENT FACILITY (500.3301...500.3390)
Section 500.3301	Michigan automobile insurance placement facility; purpose; participation.
Section 500.3303	Definitions.
Section 500.3310	Board of governors of facility; election and appointment of governors; representation of insurance agents and general public; terms; vacancies; adoption of plan of operation by facility committee; approval of plan; amendments and adherence to plan.
Section 500.3315	Repealed. 1991, Act 191, Eff. Apr. 1, 1992.
Section 500.3320	Private passenger nonfleet automobiles; duties of facility; insurance requirements.
Section 500.3321	Automobiles not included in MCL 500.3320; insurance required; equitable distribution of applicants to participating members.
Section 500.3330	Board of governors; powers generally; establishment of automatic data processing system.
Section 500.3340	Filing of classifications, rules, rates, and amendments thereto; approval; use of rates and rules; certain laws inapplicable; requirements for private passenger nonfleet automobile rates.
Section 500.3341	Coverage for certain convictions; premium surcharges.
Section 500.3350	Additional duties of facility.
Section 500.3355	Agent; duties; disqualification by facility; notice; request for hearing; ruling by board of governors; appeal; prohibited conduct by disqualified agent; standards and procedures.
Section 500.3360	Participating member and agent; relationship.
Section 500.3365	Eligibility for automobile insurance; requesting assignment, rejecting assignment, or requesting reassignment; notice of statutory eligibility standards.
Section 500.3370	Assistance in applying to facility for placement.
Section 500.3380	Hearing and ruling by board of governors; grounds; applicability of right to hearing; filing request for hearing; hearing to be prompt and fair; appeal; order.
Section 500.3385	Recoupment of assessments; surcharge; rate including factor for recoupment.
Section 500.3390	Determinations made by commissioner.
218-1956-34	CHAPTER 34 DISABILITY INSURANCE POLICIES (500.3400...500.3480)
Section 500.3400	Definitions; scope of chapter, exemptions, exceptions.
Section 500.3401	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3401a	Group disability insurance; issuance; filing and approval of form.
Section 500.3402	Disability insurance policy; provisions required.
Section 500.3402a	Group disability insurance policy; provisions required.
Section 500.3402b	Group or nongroup disability insurance policy; coordination of benefits; provision; limitation; "other coverage" defined; payment by each insurer.
Section 500.3402c	Family expense insurance policy.
Section 500.3402d	Blanket disability insurance; coverage.
Section 500.3402e	Blanket disability insurance policies; issuance.
Section 500.3402f	Blanket disability insurance policy; provisions.
Section 500.3402g	Blanket disability insurance policy; certificate; payment of benefits.
Section 500.3402h	Legal liability of policyholder.
Section 500.3403	Health insurance policy offering dependent coverage; required provisions; denial prohibited; grounds.
Section 500.3404	Insurance policy issued for delivery to nonresident.
Section 500.3405	Prudent purchaser agreements with providers of hospital, nursing, medical, surgical, or sick-care services; rates; discrimination prohibited; optometry, chiropractic, and physical therapy service.
Section 500.3405a	Use of most favored nation clause.
Section 500.3406	Disability insurance policy; provisions required, captions, omissions, substitutions.
Section 500.3406a	Reconstructive surgery following mastectomy; prosthetic device.
Section 500.3406b	Coverage for mental health services by mental health care provider.
Section 500.3406c	Hospice care; definition; description of coverage.
Section 500.3406d	Coverage for breast cancer diagnostic services, breast cancer outpatient treatment services, and breast cancer rehabilitative services; coverage for breast cancer screening mammography; definitions.
Section 500.3406e	Coverage for drug used in antineoplastic therapy and cost of its administration; conditions.
Section 500.3406f	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3406g	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3406h	Eligibility of parent for dependent coverage; health coverage of child through noncustodial parent; duties of insurer; court or administrative order and notice required.
Section 500.3406i	Individual eligible under title XIX of social security act; assignment of rights of insured to department of social services.
Section 500.3406j	Insured or applicant as victim of domestic violence; refusal to provide coverage prohibited; liability; "domestic violence" defined.
Section 500.3406k	Emergency health services; medically necessary coverage; "stabilization" defined.
Section 500.3406<Emph EmphType="italic">l</Emph>	Medical transportation services; reimbursement; exception.
Section 500.3406m	Access by insured to obstetrician-gynecologist.
Section 500.3406n	Access to pediatric care services.
Section 500.3406o	Insurer providing prescription drug coverage; formulary restrictions; expedited review of coverage for nonformulary alternative; determination; subject to 500.3406w.
Section 500.3406p	Establishment of program to prevent onset of clinical diabetes required; survey; coverages; "diabetes" defined.
Section 500.3406q	Off-label use of approved drug; coverage; conditions; compliance; use of copayment, deductible, sanction, or utilization control; limitation; definitions.
Section 500.3406r	Coverage for obstetrical and gynecological services by physician or nurse midwife.
Section 500.3406s	Diagnosis and treatment of autism spectrum disorders; coverage; prohibition; availability of other benefits; conditions; qualified health plan offered through American health benefit exchange pursuant to federal law; short-term or 1-time limited duration policy or certificate; prescription drug plan; coordinated benefits; definitions.
Section 500.3406t	Synchronizing insured's or enrollee's multiple maintenance prescription drugs.
Section 500.3406u	Coverage for prescription eyedrops; requirements; "prescriber" defined.
Section 500.3406v	Coverage for emergency supply of insulin.
Section 500.3406w	Temporary emergency and early refills for prescription drugs; inapplicable after March 31, 2021.
Section 500.3406x	Nonopioid directive form; website.
Section 500.3406y	Nonopioid directive form; enrollment.
Section 500.3406z	Essential health benefit coverage; annual and lifetime dollar limits; prohibition; applicability to grandfathered health plan coverage.
Section 500.3406z[1]	Disability insurance policies; discrimination against living donors; prohibition; definitions.
Section 500.3406aa	Third party access; dental provider network; requirements; exceptions; definitions.
Section 500.3406bb	Health insurance policy; minimum required coverage; use of in-network and out-of-network providers; use of reasonable medical management techniques; applicability to short-term or 1-time limited duration policies; effective date.
Section 500.3406ee	Health insurance policies; individual or small group markets; mandatory levels of coverage; actuarial value; compliance; applicability.
Section 500.3406ff	Financial parity for orally administered, intravenously administered and injected antineoplastic (anticancer) medications.
Section 500.3406hh.added	Coverage for mental health and substance use disorder services.
Section 500.3406ii	Prohibition on the limitation or exclusion of benefits based on preexisting condition; exceptions.
Section 500.3407	Entire contract; changes.
Section 500.3407a	Conduct on behalf of or information provided to insured by health care provider; prohibition or discouragement by disability insurer.
Section 500.3407b	Undergoing genetic testing as condition of issuing, renewing, or continuing policy; disclosure of genetic testing or genetic information; definitions.
Section 500.3408	Time limit on certain defenses; incontestable policy.
Section 500.3409	Disability insurance policy; mandatory notices as to cancellation and refund of premium.
Section 500.3410	Grace period; provision required.
Section 500.3411	Reinstatement; provision required.
Section 500.3412	Notice of claim; provision required.
Section 500.3413	Claim forms; provision required.
Section 500.3414	Proofs of loss; provision required.
Section 500.3416	Time of payment of claims; provision required.
Section 500.3418	Payment of claims; provision required.
Section 500.3420	Physical examinations and autopsy; provision required.
Section 500.3422	Legal actions; provision required.
Section 500.3424	Change of beneficiary; provision required.
Section 500.3425	Health insurance policy; coverage for intermediate and outpatient care for substance use disorder required; charges, terms, and conditions; reduction of coverage; deductibles and copayment provisions; definitions.
Section 500.3426	Offer of wellness coverage by insurer.
Section 500.3428	Provider network.
Section 500.3430	Optional policy provisions; insurance commissioner's approval.
Section 500.3432	Change of occupation; optional provision.
Section 500.3434	Misstatement of age; optional provision.
Section 500.3436	Other insurance with same insurer; optional provision.
Section 500.3438	Insurance with other insurers; optional provision; expense incurred benefits.
Section 500.3439	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3440	Insurance with other insurers; other benefits.
Section 500.3444	Relation of earnings to insurance; optional provision.
Section 500.3446	Unpaid premium; optional provision.
Section 500.3448	Cancellation; optional provision.
Section 500.3450	Conformity with state statutes; optional provision.
Section 500.3452	Illegal occupation or criminal activity; optional provision; definitions.
Section 500.3454	Repealed. 1980, Act 429, Eff. Mar. 31, 1981.
Section 500.3460	Order of certain policy provisions.
Section 500.3462	Third party ownership of policy.
Section 500.3464	Foreign or alien insurers; provision required by other state law; domestic insurers; provision required by other state or country.
Section 500.3466	Filing procedure; insurance commissioner, regulatory powers.
Section 500.3468	Provisions violating code; construction of noncomplying policies and provisions.
Section 500.3470	Age of insured; provision regulations.
Section 500.3471	Provision and nondisclosure of large employer group claims utilization and cost information; civil liability immunity; definitions.
Section 500.3472	Open enrollment period; prohibitions; establishment of reasonable periods for health insurance policies; minimum standards for frequency and duration of open enrollment periods; denial of coverage.
Section 500.3474	Risk classification; rates; filing requirements.
Section 500.3474a	Premium rate after January 1, 2014; basis; factors.
Section 500.3475	Reimbursement for services by licensed psychologist, podiatrist, or chiropractor; section inapplicable to policy involving prudent purchaser agreement.
Section 500.3476	Telemedicine services; provisions; definitions.
Section 500.3476.amended	Telemedicine services; provisions; definitions.
Section 500.3477	Use of financial incentive or payment to act as inducement to deny, reduce, limit, or delay services; prohibition; exception.
Section 500.3480	Repealed. 1963, Act 127, Eff. Sept. 6, 1963.
218-1956-35	CHAPTER 35 HEALTH MAINTENANCE ORGANIZATIONS (500.3501...500.3580)
Section 500.3501	Definitions.
Section 500.3503	Applicability of provisions to health maintenance organization.
Section 500.3505	Health maintenance contract; use of descriptive words; restrictions.
Section 500.3507	Authorizing and regulating health maintenance organization; establishment of system by director.
Section 500.3508	Quality assessment program; quality improvement program.
Section 500.3509	Certificate of authority; application; form; limitation; change of service area.
Section 500.3511	Governing body; election of enrollee board members; requirements; meetings.
Section 500.3513	Health maintenance organization operations; regulation by director; incorporation as legal entity.
Section 500.3515	Additional health services; deductibles; copayments; "preventive health care services" defined; partial payment from government or private person.
Section 500.3517	Healthy lifestyle programs; emergency or out-of-area service; payment of expenses or fees.
Section 500.3519	Contract and contract rates; fairness; rate differential; basic health services to large employers required.
Section 500.3521	Prepayment rates; filing and approval of methodology; schedule.
Section 500.3523	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3525	Proposal to revise contract or rate; approval of commissioner; approval with modifications; hearing; disposition; exception; notice.
Section 500.3527	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3528	Health maintenance organization; credentialing verification; accreditation by nationally recognized accredited body.
Section 500.3529	Affiliated provider contracts; collection of payments from enrollees; contract provisions; waiver of requirement under subsection (2); contract format; evidence of sufficient number of providers.
Section 500.3530	Availability of covered services; assurance; establishment and maintenance of proximity.
Section 500.3531	Contracts with health care providers to become affiliated providers; requirements; standards; filing; duplicative standards; notice procedures; provider application period; approval or rejection as affiliated provider; termination of contract; providing information to insurer.
Section 500.3533	Prudent purchaser contracts; reimbursement for unauthorized services or services by nonaffiliated providers.
Section 500.3535	Solicitation or advertising.
Section 500.3537	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3539	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3541	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3542	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3543	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3544	Noninsured benefit plan; processing and payment of claims.
Section 500.3545	Acquisition of obligations from another managed care entity.
Section 500.3547	Health care service operations; visitation or examination by director; consultation with enrollees; authority; access to information relating to delivery of services; submission of information regarding proposed contract.
Section 500.3548	Maintenance of books, records, files, and financial records; funds and assets.
Section 500.3549	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3551	Health maintenance organization; net worth.
Section 500.3553	Certificate of authority; deposit requirements.
Section 500.3555	Financial plan.
Section 500.3557	Notice of changes in operations.
Section 500.3559	Reinsurance contract or plan of self-insurance; purpose; filing; approval; coverage.
Section 500.3561	Insolvency; continuation of benefits.
Section 500.3563	Insolvency; offer of enrollment by health insurers participating in enrollment process; allocation of group coverage to health maintenance organizations or insurers within service area; nongroup coverage; reassignment of enrollees of insolvent organization contracting with state funded health care program; substitute coverage under American health benefit exchange.
Section 500.3565	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3567	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3569	Assumption of financial risk.
Section 500.3571	State or federal health programs.
Section 500.3573	Operation of health care delivery system not meeting requirements of act; permitted conduct; limitations.
Section 500.3580	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
218-1956-36	CHAPTER 36 GROUP AND BLANKET DISABILITY INSURANCE (500.3600...500.3650)
Section 500.3600	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3601	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3601a	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3602	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3606	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3607	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3608	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3609	Repealed. 2016, Act 276, Imd. Eff. July 1 2016.
Section 500.3609a	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3610	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3610a	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3611	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3612	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3612a	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3613	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3614	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3615	Repealed. 2016, Act 276, Imd Eff. July 1, 2016.
Section 500.3616	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3616a	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3620	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3630	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3631	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3636	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3638	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3640	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3650	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
218-1956-37	CHAPTER 37 SMALL EMPLOYER GROUP HEALTH COVERAGE (500.3701...500.3728)
Section 500.3701	Definitions.
Section 500.3702	Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
Section 500.3703	Scope of chapter.
Section 500.3704	Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
Section 500.3705	Geographic areas; adjustment and determination of premiums; conditions; additional premium; small employer; rating factors.
Section 500.3706	Repealed. 2016, Act 276, Imd. Eff. July 1, 2016.
Section 500.3707	Health benefit plan; marketing; affiliation period.
Section 500.3708	Special enrollment period.
Section 500.3709	Minimum participation rules.
Section 500.3710	Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
Section 500.3711	Small employer carrier; guaranteed renewal; exceptions; modification.
Section 500.3712	Decision to discontinue plan in geographic area.
Section 500.3713	Information offered upon request.
Section 500.3714	Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
Section 500.3715	Information and documentation; retention at principal place of business.
Section 500.3716	Archer medical savings account; exception.
Section 500.3717	Suspension; exemption; conditions; exception.
Section 500.3718	Applicability of MCL 550.1619.
Section 500.3720	Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
Section 500.3721	Repealed. 2018, Act 304, Eff. Sept. 27, 2018.
Section 500.3722	Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
Section 500.3723	Applicability of chapter; date of health benefit plan.
Section 500.3724	Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
Section 500.3726	Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
Section 500.3728	Repealed. 2001, Act 271, Imd. Eff. Jan. 11, 2002.
218-1956-38	CHAPTER 38 MEDICARE SUPPLEMENT POLICIES AND CERTIFICATES (500.3801...500.3861)
Section 500.3801	Chapter; definitions.
Section 500.3803	Applicability of chapter.
Section 500.3804	Repealed. 2018, Act 429, Eff. Mar. 20, 2019.
Section 500.3805	Medicare supplement policy; definitions.
Section 500.3807	Basic core package of benefits; standards for plans K and L; applicability of section.
Section 500.3807a	Medicare supplement policies or certificates with effective date for coverage on or after June 1, 2010; basic core package of benefits.
Section 500.3808	Repealed. 2018, Act 429, Eff. Mar. 20, 2019.
Section 500.3809	Additional benefits; reimbursement for preventive screening tests and services; definitions; applicability of section.
Section 500.3809a	Medicare supplement policies or certificates with effective date for coverage on or after June 1, 2010; additional benefits.
Section 500.3811	Basic core benefits; availability; sale of certain benefits prohibited; designations, structure, language, and format; other designations; requirements; applicability of section.
Section 500.3811a	Medicare supplement policies or certificates with effective date for coverage on or after June 1, 2010; basic core benefits; availability; sale of certain benefits prohibited; structure, language, designation, and format; other designations; requirements.
Section 500.3811b	Medicare supplement policies or certificates for newly eligible individuals after December 31, 2019; exceptions to standards and requirements.
Section 500.3813	Disability coverage; medicare supplement buyer's guide; applicability of section.
Section 500.3815	Outline of coverage; acknowledgment of receipt; compliance with notice requirements; substitute; language, written or electronic format, and required items.
Section 500.3817	Medicare select policies and certificates; definitions; requirements for issuance; plan of operation; filing, format, and contents; proposed changes; updated list of network providers; payment for covered services not available through network providers; disclosure; receipt of information; grievance procedure; report; availability of comparable or lesser benefits; continuation of coverage; requests for data by state or federal agencies.
Section 500.3819	Minimum standards; suspension of benefits and premiums; notice; reinstitution; offer to exchange 1990 standardized plan to 2010 plan.
Section 500.3819a	Medicare supplement policies or certificates with effective date for coverage on or after June 1, 2010; minimum standards.
Section 500.3821	Issuance of policy to person not enrolled in medicare parts A and B prohibited; refund; interest.
Section 500.3823	Covered benefits more restrictive than benefits under medicare and required under state law prohibited; benefits for outpatient prescription drugs.
Section 500.3825	Preexisting diseases or conditions; waiver prohibited.
Section 500.3827	Duplicate benefits prohibited; application; statements and questions whether another policy in force; list of policies sold to applicant; notice regarding replacement coverage.
Section 500.3829	Denying or conditioning issuance based on health status, claims experience, receipt of health care, or medical condition of applicant prohibited; condition; exclusion of benefits based on preexisting conditions; reduction; creditable coverage.
Section 500.3829a	Medicare supplement policies or certificates delivered, issued for delivery, or renewed on or after May 21, 2009; genetic test; definitions.
Section 500.3830	Eligible person; requirements.
Section 500.3830a	Termination of contract or agreement; notice to individual.
Section 500.3831	Individual or group expense incurred hospital, medical, or surgical policies; right of continuation or conversion to medicare supplemental plan; request for coverage; exclusion from preexisting conditions; notice of availability of coverage; utilization of another insurer to write coverage.
Section 500.3833	Replacement policy; waiver of certain time periods.
Section 500.3835	Marketing procedures; determining appropriateness of recommended purchase or replacement; more than 1 policy prohibited; individual enrolled in medicare advantage; "notice to buyer" displayed.
Section 500.3837	Repealed. 2002, Act 304, Imd. Eff. May 10, 2002.
Section 500.3839	Renewal or continuation provision; effect of termination or replacement; elimination of outpatient prescription drug benefit.
Section 500.3841	Riders or endorsements; signed acceptance or agreement; additional premium; use of certain standards, terms, and words; filing of changes in medicare benefits; elimination of duplicate benefits; notice of modifications; notice requirements of medicare prescription drug, improvement, and modernization act of 2003.
Section 500.3843	Health insurance; notice; contents; applicability of subsection (1).
Section 500.3847	Advertising; filing copy with director.
Section 500.3849	Filing and approval requirements; deletion of outpatient prescription drug benefits; issuance of policy; use and change in premium rates; additional forms; availability; conditions and effect of discontinuance; combining forms for purposes of refund or credit calculation; compliance with federal law; “type” defined.
Section 500.3851	Aggregate benefits; rates, rating schedules, and rate revisions.
Section 500.3852	Benchmark ratio.
Section 500.3853	Refund or credit calculation; form; interest; due date.
Section 500.3855	Annual filing of rates, rating schedule, and supporting documentation; premium adjustments; public hearing for rate increase; failure to make premium adjustments.
Section 500.3857	Duties of insurer; certification of compliance with subsection (1)(a).
Section 500.3859	Prohibited conduct; violation as misdemeanor; penalty.
Section 500.3861	Probable cause of violation; notice of hearing; opportunity to confer and discuss; hearing; applicability of MCL 500.2038 to 500.2040; violation; penalty.
218-1956-39	CHAPTER 39 LONG-TERM CARE INSURANCE (500.3901...500.3955)
Section 500.3901	Long-term care insurance; definitions.
Section 500.3901a	Long-term care insurance policies; discrimination against living donors; prohibition; definitions.
Section 500.3902	Offer of long-term care coverage by subsidiary of health care corporation.
Section 500.3903	Group long-term care insurance; coverage offered to groups described in MCL 500.3901(c)(iv) and 500.3901(c)(iii).
Section 500.3905	Long-term care coverage; requirements; certain coverages requiring care recommendations.
Section 500.3906	Designation of person to receive notice of termination; reinstatement of coverage; effective date of section.
Section 500.3907	Individual long-term care policy; guaranteed renewable provision; conversion; new limitation period; intermediate care facility or skilled nursing facility; home care services.
Section 500.3908	Long-term care partnership program policy; conversion or replacement.
Section 500.3909	Option to purchase inflation protection; summary of coverage; applicability of section.
Section 500.3910	Option of purchasing policy or certificate including nonforfeiture benefits; offer.
Section 500.3910a	Nonforfeiture benefits; coverage elements, eligibility, benefit triggers, and benefit length; contingent benefit; premium increase; notification; duties of insurer; limitation on maximum benefits; effective date of section; premiums subject to loss ratio requirements; conditions for offering nonforfeiture benefit.
Section 500.3910b	Reduction options; applicability of section to long-term care policies and certificates issued on or after June 1, 2007.
Section 500.3911	Preexisting condition; limitation period; definition.
Section 500.3913	Home health care benefits.
Section 500.3915	Certain conditions prohibited.
Section 500.3917	Replacement policy; waiver of time periods applicable to preexisting conditions and probationary periods.
Section 500.3919	Institutionalization; extension of benefits; limitations.
Section 500.3921	Application; questions relating to health condition; delivery; record of policy rescissions; annual report to commissioner.
Section 500.3923	Riders or endorsements; certain changes in benefits or premiums; definition, explanation, description, and labeling of certain terms.
Section 500.3925	Applicability of section to long-term care policy or certificate issued on or after June 1, 2007; information to be provided on forms; acknowledgement of disclosure; notice of premium rate schedule increase; personal worksheet; availability of free and independent insurance purchasing and public benefits counseling.
Section 500.3926	Applicability of section to long-term care policy or certificate issued on or after June 1, 2007; information to be provided to commissioner; premium rate schedule; statement; request by commissioner for actuarial demonstration; additional information.
Section 500.3926a	Applicability of section to long-term care policy or certificate issued on or after June 1, 2007; notice of pending premium rate schedule increase; requirements; review and approval by commissioner; eligibility for contingent benefit upon lapse; applicability of subsections to certain policies or certificates; exceptional increases; definitions.
Section 500.3927	Reasonableness of benefits relative to premiums; expected loss ratio; evaluation of factors; applicability of section.
Section 500.3928	Fixed indivisible premium life insurance policy funding long-term care benefits by accelerating death benefit; reasonableness of benefits relative to premiums; provisions.
Section 500.3929	Increasing premiums prohibited; conditions.
Section 500.3930	Acceleration of benefits under group or individual life policies or riders; determination of policy reserves.
Section 500.3931	Rules.
Section 500.3933	Summary of coverage.
Section 500.3935	Statement relating to request for additional information.
Section 500.3937	Shopper's guide; format; providing to applicants; exception.
Section 500.3939	Application; questions relating to other policies in force or use as replacement; agent's list of other policies sold; notice to applicant and existing insurer; appropriateness of recommended purchase or replacement.
Section 500.3941	Advertising; filing copy with commissioner.
Section 500.3941a	Inapplicability of section to life insurance policies or riders containing accelerated benefits; development of suitability standards.
Section 500.3942	Marketing; duties of insurer; use of "level premium" or "noncancelable" prohibited; exception.
Section 500.3942a	Reporting requirements; agent activities; preparation of report.
Section 500.3943	Right to return policy; notice; “direct response solicitation” defined.
Section 500.3945	Violation; penalty.
Section 500.3949	Life and long-term care benefits; marketing; compliance.
Section 500.3951	Policy summary; compliance with MCL 500.3933; additional provisions; monthly report.
Section 500.3953	Disclosure statement.
Section 500.3955	Compliance with chapter and applicable laws.
218-1956-39A	CHAPTER 39A LONG-TERM CARE PARTNERSHIP PROGRAM INSURANCE (500.3957...500.3965)
Section 500.3957	Definitions.
Section 500.3959	Long-term care partnership program policy; applicability of chapter and applicable sections of chapter 39.
Section 500.3961	Partnership policy; solicitation or sale; notice.
Section 500.3963	Partnership policy; delivery or issuance for delivery; filing and approval required; submission of completed partnership certification form or similar form to department; "partnership certification form" defined.
Section 500.3965	Regular reports to be provided to department of health and human services.
218-1956-40	CHAPTER 40 LIFE INSURANCE POLICIES AND ANNUITY CONTRACT (OTHER THAN INDUSTRIAL OR GROUP) (500.4000...500.4073)
Section 500.4000	Scope of chapter.
Section 500.4001	Universal life insurance; definitions.
Section 500.4002	Life insurance policies; discrimination against living donors; prohibition; definitions.
Section 500.4004	Entire contract.
Section 500.4008	Life insurance; provisions required; single premium policies.
Section 500.4010	Premiums; payment; provision required.
Section 500.4012	Life insurance policy; provision required.
Section 500.4014	Entire contract; incontestability; exceptions.
Section 500.4015	Policy of life insurance; mandatory notice as to cancellation of policy and refund of premium.
Section 500.4016	Statements considered representations; provision required; electronic application; endorsement.
Section 500.4018	Misstatement of age or sex; provisions required.
Section 500.4020	Participation in surplus; provision required.
Section 500.4022	Policy loans generally.
Section 500.4023	Policy loans; interest rates; notice; information; policy not to terminate as sole result of change in interest rate; applicability of section to insurance or annuity contract.
Section 500.4024	Nonforfeiture benefits; cash surrender values; provision required.
Section 500.4026	Table of loan values and options; provision required.
Section 500.4028	Default in premium payments; reinstatement; provision required.
Section 500.4030	Settlement of claim upon death of insured; provision required.
Section 500.4032	Table of installments; provision required.
Section 500.4036	Title required.
Section 500.4037	Universal life insurance policy; provisions required.
Section 500.4038	“Policy cost factors” defined; initial disclosure; statement of policy information; delivery; extension of free-look period; furnishing statement at time of policy delivery.
Section 500.4040	Safeguard against lapse; special surrender value; optional provisions; supplemental contract.
Section 500.4042	Liability limitation; aviation, military or naval service.
Section 500.4046	Provisions prohibited; forfeiture of policy for failure to repay loan; limitation of actions; predating policy; settlement at maturity for less than full value.
Section 500.4047	Profit sharing, charter or founders and coupon policies; definitions; prohibitions, violations.
Section 500.4048	Provisions required by laws of other states or counties.
Section 500.4052	Preliminary term insurance on old policies; reserve.
Section 500.4054	Proceeds of policy; exemption from creditors.
Section 500.4058	Nonforfeiture benefits on old policies.
Section 500.4060	Standard nonforfeiture law for life insurance.
Section 500.4061	Flexible premium universal life insurance policies; provisions applicable to minimum cash surrender values; minimum paid-up nonforfeiture benefits.
Section 500.4062	Loan value; deferment.
Section 500.4064	Loan indebtedness; right to compound interest.
Section 500.4070	Insurance and annuities on same life; automatic conversion of deferred annuity into paid-up annuity.
Section 500.4072	Standard nonforfeiture law for individual deferred annuities.
Section 500.4073	Annuity policy or contract; notice of right to cancel and receive refund; effect of returning policy or contract; variable annuity contract; exceptions.
218-1956-41	CHAPTER 41 MODIFIED GUARANTEED ANNUITIES (500.4101...500.4127)
Section 500.4101	Definitions.
Section 500.4103	Delivery or issuance by insurer of modified guaranteed annuity; conditions.
Section 500.4105	Sales and advertising material; illustrations of benefits payable; prospectus.
Section 500.4107	Separate account annual statement and other information to be submitted to commissioner.
Section 500.4109	Disapproval by commissioner of filed material.
Section 500.4111	Filing requirements.
Section 500.4113	Modified guaranteed annuity contract; required provisions; market-value adjustment formula.
Section 500.4115	Nonapplicability of section; required provisions; minimum values of paid-up annuity, cash surrender, or death benefits available under modified guaranteed annuity contract; nonforfeiture amounts; percentages of net considerations.
Section 500.4117	Application for modified guaranteed annuity.
Section 500.4119	Reserve liabilities.
Section 500.4121	Modified guaranteed annuity separate accounts.
Section 500.4123	Annual report.
Section 500.4125	Compliance with law or regulation in place of domicile of foreign insurer as compliance with this chapter.
Section 500.4127	License to sell variable annuities required to sell modified guaranteed annuity contracts.
218-1956-41A	CHAPTER 41A ANNUITY RECOMMENDATION TO CONSUMERS (500.4151...500.4166)
Section 500.4151	Definitions.
Section 500.4153	Scope of chapter.
Section 500.4155	Purchase or exchange of annuity; recommendations; effort and obligation to act in best interest of consumer; reasonable basis; duties of producer; exceptions.
Section 500.4157	Repealed. 2012, Act 544, Eff. June 1, 2013.
Section 500.4158	Insurer's supervision system.
Section 500.4159	Dissuading consumer from certain acts prohibited.
Section 500.4160	Sale of annuities; completion of annuity training course; requirements.
Section 500.4161	Copy of annuity policy.
Section 500.4163	Records; maintenance, availability.
Section 500.4165	Applicability of subsections; definitions.
Section 500.4166	Compliance with chapter; violation orders.
218-1956-42	CHAPTER 42 INDUSTRIAL LIFE INSURANCE (500.4200...500.4244)
Section 500.4200	Scope of chapter; other applicable provisions.
Section 500.4201	Industrial life insurance; definitions.
Section 500.4204	Required policy provisions; exceptions.
Section 500.4206	Grace period; provision required.
Section 500.4208	Incontestability; provision required, exceptions.
Section 500.4210	Policy constitutes entire contract; provision required.
Section 500.4212	Misstatement of age; provision required.
Section 500.4214	Participation in surplus; provision required.
Section 500.4216	Conversion; weekly premium policies; provision required; monthly premium policies.
Section 500.4220	Nonforfeiture and cash surrender values.
Section 500.4222	Table of nonforfeiture benefits.
Section 500.4224	Nonforfeiture benefit; automatic option; provision required.
Section 500.4228	Reinstatement; provision required.
Section 500.4230	Settlement of claim upon death of insured; provision required.
Section 500.4236	Title required.
Section 500.4238	Beneficiary changes.
Section 500.4242	Limitation of liability; aviation, military or naval service.
Section 500.4244	Industrial life insurance; provisions prohibited; right to declare policy void for disease or ailment; rejection; payment of proceeds to other than beneficiary; limitation; settlement at maturity for less than full value; accidental death.
218-1956-44	CHAPTER 44 GROUP LIFE INSURANCE (500.4400...500.4454)
Section 500.4400	Scope of chapter; compliance required.
Section 500.4404	Employee groups; required number of participants; premium payments; group life insurance as part of combined group life and disability insurance policy; "employees" defined.
Section 500.4405	Group life insurance policy; issuance to trust or trustees; requirements.
Section 500.4408	National guard groups; participation authorization.
Section 500.4412	Labor union, teacher and postal clerk groups; participation authorization.
Section 500.4416	Group life insurance; groups of borrowers or purchasers.
Section 500.4418	Group life insurance; loans on dwellings or mobile homes; insurer providing monetary benefits to financial institutions; payment of dividends to financial institution.
Section 500.4419	Prepaid funeral contracts; group life insurance.
Section 500.4420	Nonprofit incorporated industrial association groups; executives; participation; other associations, trusts, or trustees; criteria; conditions.
Section 500.4424	Group life insurance offered to groups other than described in MCL 500.4404 to 500.4420.
Section 500.4426	Extension of coverage to eligible dependents; amounts; payment of premiums; definitions.
Section 500.4430	Group life insurance policy; filing and approval of form; certain provisions required.
Section 500.4432	Group life insurance policy; incontestability.
Section 500.4434	Entire contract; provision; application; representations.
Section 500.4436	Misstatement of age; provision required.
Section 500.4438	Individual certificate; notice of conversion rights.
Section 500.4439	Insurance under group policy; assignment of rights, effect.
Section 500.4442	New employee; provision required.
Section 500.4446	Policy issued in another state; determination by director.
Section 500.4450	Employer deemed policyholder.
Section 500.4454	Readjustment of premium rate; optional provisions.
218-1956-45	CHAPTER 45 INSURANCE FRAUD (500.4501...500.4511)
Section 500.4501	Definitions.
Section 500.4503	Fraudulent insurance acts.
Section 500.4507	Release of information; purpose.
Section 500.4509	Civil liability; immunity.
Section 500.4511	Violation as felony; penalty; notice to licensing authority.
218-1956-46	CHAPTER 46 CAPTIVE INSURANCE COMPANIES (500.4601...500.4673)
Section 500.4601	Definitions.
Section 500.4603	Limited certificate of authority; application; conditions; organizational documents; submission; contents; liability of director; submission of documents to attorney general for examination; duty of commissioner to require, consider, and review certain documents and factors; issuance of certificate; confidentiality; fee; foreign captive insurance company as captive insurance company.
Section 500.4607	Adoption of name by captive insurance company.
Section 500.4609	Confidentiality requirements.
Section 500.4611	Issuance of limited certificate of authority; possession and maintenance of unimpaired paid-in capital and retained earnings; form of minimum capitalization; incorporation as nonprofit; unencumbered equity; assets; evidence to be submitted to commissioner; additional capital; branch captive insurance company; security for payment of liabilities; trust fund; payment of dividends; limitation; distributions.
Section 500.4619	Pure captive insurance company or sponsored captive insurance company; association captive insurance company or industrial insured captive insurance company; incorporation as stock insurer or limited liability company; issuance of capital stock or membership interests; formation of captive insurance company as corporation or nonprofit corporation or as limited liability company; state residency; chapter as controlling provision of law.
Section 500.4621	Reports and inquiries.
Section 500.4623	Sponsored captive insurance company; discount of reserves.
Section 500.4625	Conflict between act and chapter; exemption; applicability of certain sections; expenses and charges of examination; annual renewal fee; other fees; employment of legal counsel; confidentiality.
Section 500.4637	Limited certificate of authority; suspension or revocation; findings; best interest of public and policyholders.
Section 500.4639	Association captive insurance company and industrial insured captive insurance company; compliance with investment requirements; pure captive insurance company and special purpose captive insurance company not subject to restrictions on allowable investments; exception; loans; combining of assets for purposes of investment; sponsored captive insurance companies to be in compliance with chapter 9; waiver of investment requirements.
Section 500.4641	Reinsurance on risks ceded by other insurer.
Section 500.4643	Rating organization; joining not required.
Section 500.4645	Plan, pool, association, or guaranty or insolvency fund; joining, contributing to, or receiving benefit from prohibited.
Section 500.4651	Rules.
Section 500.4655	Applicability of terms and conditions in chapter 81 pertaining to administrative supervision, conservation, rehabilitation, receivership, and liquidation of insurers; payment of expenses or claims from assets of protected cell or from capital and surplus of sponsored captive insurance company.
Section 500.4659	Exercise of control of risk management function by parent or affiliated company; standards.
Section 500.4663	Sponsored captive insurance company; formation; establishment and maintenance of protected cell to insure risks; conditions.
Section 500.4665	Sponsor of sponsored captive insurance company; authorized insurer; risk retention group as sponsor or participant prohibited; business written by sponsored captive insurance company with respect to protected cell; requirements.
Section 500.4667	Sponsored captive insurance companies; business entities as participants.
Section 500.4669	Sponsored captive insurance companies; applicability of terms and conditions in chapter 48 pertaining to protected cell insurance company.
Section 500.4673	Captive insurance regulatory and supervision fund; creation; deposit of certain money, assets, fees, and assessments; money remaining in fund at close of fiscal year; commissioner as administrator for auditing purposes.
218-1956-47	CHAPTER 47 SPECIAL PURPOSE FINANCIAL CAPTIVES (500.4701...500.4747)
Section 500.4701	Definitions.
Section 500.4703	Conflict between provision of act and provision of chapter; chapter as controlling; sections applicable to SPFCs; exemption.
Section 500.4705	Limited certificate of authority to transact insurance or reinsurance; transaction of business by SPFC; limitation; requirements; submission of documents to commissioner; contents; liability of director; submission of documents to office of attorney general; evidence and documents required, considered, and reviewed by commissioner; additional filings; confidentiality; transaction of business; fees; limited certificate of authority granted after certain findings; renewal; foreign captive as SPFC.
Section 500.4707	SPFC; establishment; form of organization; documents; limitation; adoption of name; applicability of certain provisions in carrying out transactions; state residency; privileges and provisions applicable to limited liability company; corporate powers.
Section 500.4709	Minimum initial capitalization; additional capitalization; maintenance of deposits.
Section 500.4711	SPFC; insuring or reinsuring risks insured or reinsured by counterparty; contract for assumption of risk or indemnification of loss; related and incidental contracts; submission of actuarial opinion.
Section 500.4713	Protected cells; creation and use by SPFC; written approval of commissioner; possession of minimum capitalization; fraudulent purpose not inferred.
Section 500.4715	Protected cell; consideration as separate person; purposes; distinct name or designation; subject to orders of court; service of process; contract with third party advisor or manager; recourse by creditors; availability of assets; attachment of security interest to protected cell; identification of protected cell assets and liabilities; provisions in contracts or other documentation; income; crediting to or charging against protected cell; investment or reinvestment of amounts; annual report; notification of insolvency.
Section 500.4717	Issuance of SPFC securities.
Section 500.4719	Asset management agreements.
Section 500.4721	SPFC contracts; agreements with affiliated companies and third parties; contents of contract; withdrawal of assets or income from trust and transfer to SPFC; approval from counterparty.
Section 500.4723	Insurance securitization; not considered as insurance producers or brokers.
Section 500.4725	SPFC; duty to ensure contracts fulfill certain requirements.
Section 500.4727	Creation of trust to hold assets of SPFC.
Section 500.4729	Declaration and payment of dividends prohibited; exception; limitation; sufficiency of assets; provisions.
Section 500.4731	Plan of operation; changes; filing of audited financial statements; inquiries by commissioner; filing of statement of operations; reports; preservation of books, records, documents, accounts, and vouchers; authority of securities commissioner.
Section 500.4732	Activities requiring notice to commissioner.
Section 500.4733	Captive insurance company examination; expenses and charges; payment; fee.
Section 500.4734	Confidentiality requirements; exception.
Section 500.4735	Cessation of business; suspension or revocation of limited certificate of authority; violations; penalties; notice.
Section 500.4741	Administrative supervision, conservation, rehabilitation, receivership, and liquidation of insurers.
Section 500.4745	Contested case brought by third party; suspension, revocation, or modification of limited certificate of authority.
Section 500.4747	Issuance of regulations; employment of legal counsel.
218-1956-48	CHAPTER 48 PROTECTED CELL INSURANCE COMPANIES (500.4801...500.4813)
Section 500.4801	Definitions.
Section 500.4803	Protected cells; establishment; written approval of commissioner; name or designation; attribution of assets and liabilities; attachment of security interest; contracting with third party; identification of protected cell assets and protected cell liabilities.
Section 500.4805	Income credited to or charged against protected cell; insurance securitization; language to be contained in documentation; cessation of business of protected cell.
Section 500.4807	Creditors; recourse; activities, assets, and obligations not subject to chapters 77 and 79; establishment of protected cell not considered fraudulent conveyance.
Section 500.4809	Receiver to deal with protected cell company's assets and liabilities; effect of order of conservation, rehabilitation, or liquidation.
Section 500.4811	Insurance securitization not considered insurance or reinsurance contract; investor not considered as conducting insurance business in state.
Section 500.4813	Rules, regulations, or orders.
218-1956-50	CHAPTER 50 ORGANIZATION OF DOMESTIC STOCK AND MUTUAL INSURERS (500.5000...500.5040)
Section 500.5000	Scope of chapter.
Section 500.5001	Compliance with chapter required.
Section 500.5002	Organization of insurers; definitions.
Section 500.5006	Stock insurers; formation, number of incorporators required.
Section 500.5008	Articles of incorporation; blank forms; subscribing in duplicate; contents; permissible provisions; liability of director; certificate of acknowledgment.
Section 500.5010	Duration of corporate existence.
Section 500.5012	Corporate name; restrictions.
Section 500.5014	Par value of stock; limitations.
Section 500.5020	Examination of articles by attorney general; fee.
Section 500.5024	Securing subscribers, stockholders, or members of insurance company; sale of capital stock; required acts of incorporators; authority of commissioner.
Section 500.5028	Completion of organization; issuance of stock certificates; mutual corporation.
Section 500.5036	Liability of directors for debts during organization.
Section 500.5040	Examination; certificate of authority.
218-1956-51	CHAPTER 51 ORGANIZATION OF AN ACQUIRING INSURER FOR TRANSACTION OF CERTAIN TYPES OF INSURANCE (500.5100...500.5114)
Section 500.5100	Definitions.
Section 500.5102	State accident fund; acquisition of assets; effect of proposed transfer.
Section 500.5104	Organizing stock insurer or mutual insurer; purpose; domestic stock insurer owned by nonprofit health care corporation as acquiring insurer; limitation on transaction.
Section 500.5106	Provisions applicable to acquiring insurer.
Section 500.5108	Acquiring insurer as party in place of state accident fund.
Section 500.5110	Determining violation of MCL 500.5106.
Section 500.5112	Notice of violation of MCL 500.5106; hearing; findings and conclusions; order to cease and desist; additional orders.
Section 500.5114	Insurance agents.
218-1956-52	CHAPTER 52 CORPORATE POWERS, PROCEDURES OF STOCK AND MUTUAL INSURERS (500.5200...500.5290)
Section 500.5200	Applicability of chapter.
Section 500.5202	Life, accident or sickness insurers; reorganization under code.
Section 500.5204	Companies deemed bodies corporate and politic; corporation law applicable.
Section 500.5205	Proof of corporate existence and authority to insure.
Section 500.5206	Corporate powers; enumeration; exercise by board of directors.
Section 500.5208	Corporate powers; limitations; applicability of prohibition; services performed in connection with noninsured benefit plan; provisions; interference with rights and obligations under collective bargaining agreement prohibited; report; liability of employee covered under noninsured benefit plan; “noninsured benefit plan” or “plan” defined.
Section 500.5208a	Definitions; prohibited conduct; probable cause of violation; notice of hearing; opportunity to confer and discuss complaint and proceedings; action for damages; hearing; findings and decision; cease and desist order; processing claims for benefits; interest; claim form; service contract provisions; violation of section; penalties; severability.
Section 500.5209	Insurer's name; restrictions.
Section 500.5210	Dealing in commodities prohibited; exception.
Section 500.5214	Articles of incorporation; amendment.
Section 500.5215	Articles of domestic stock insurer; amendment as to increase, decrease, or reclassification of capital stock.
Section 500.5216	Articles; amendment as to reduction of capital; condition; methods of effecting reduction.
Section 500.5218	Increase or decrease of capital stock; authorization by commissioner; approval by stockholders; vote; final approval; par value of stock; issuance of new stock.
Section 500.5220	Blank forms for amending articles.
Section 500.5222	Corporate life; extension.
Section 500.5224	Corporate life; expiration, liquidation.
Section 500.5228	Bylaws; adoption; filing.
Section 500.5230	Special meetings of stockholders or members; notice of meetings.
Section 500.5232	Voting rights; stockholders, members, proxies, fiduciaries, pledgees.
Section 500.5234	Stockholders and members; voting rights, quorum.
Section 500.5236	Voting rights; inspectors of election.
Section 500.5238	Trustees or directors; residency requirement; director as policyholder of insurer; meetings; frequency; oath.
Section 500.5239	Repealed. 1988, Act 290, Eff. Jan. 1, 1989.
Section 500.5240	Discharging duties of director or officer; commencement of action for failure to perform duties.
Section 500.5241	Indemnification against expenses of action, suit, or proceeding generally.
Section 500.5242	Indemnification against expenses of action, suit, or proceeding; additional provisions.
Section 500.5242a	Indemnification against expenses of action, suit, or proceeding; mandatory; standard of conduct; determination.
Section 500.5242b	Payment of expenses in advance of final disposition of action, suit, or proceeding; undertaking.
Section 500.5242c	Indemnification or advancement of expenses not exclusive of other rights; indemnification inuring to benefit of heirs, executors, and administrators.
Section 500.5242d	“Corporation” defined for purposes of MCL 500.5241 to 500.5242c.
Section 500.5243	Repealed. 1988, Act 290, Eff. Jan. 1, 1989.
Section 500.5244	Liability for payment under invalid law or ordinance.
Section 500.5245	Board of directors; quorum; special meetings; consent to action taken without meeting.
Section 500.5246	Officers and agents; appointment, removal, bond.
Section 500.5248	Directors, officers, and employees of domestic insurer; compensation.
Section 500.5252	Director or officer of insurance corporation; receiving money or valuables for, or having pecuniary interest in, purchase, sale, or loan prohibited; certain transactions not prohibited; issuing certificate of exemption; hearing; refusal to issue certificate; order; judicial review; violation as felony; penalty.
Section 500.5256	Records relating to insurer's business or affairs; locations; production; safekeeping of securities, notes, mortgages, or other evidences of indebtedness; exceptions; holding certificates in name of nominee; indorsement; control or possession of certificate; reproduction of records; removal of records; hearing; findings, decision, and order; violation of section; liability; failure to comply with order; transfer of domicile.
Section 500.5258	Acknowledgments.
Section 500.5260	Stock certificates; substitutions.
Section 500.5264	Expenditures, vouchers, and affidavits.
Section 500.5266	Dividends to stockholders; general provision.
Section 500.5267	Dividends to stockholders; domestic fire insurance company.
Section 500.5270	Insurer's rights as stockholder in other corporations.
Section 500.5272	Domestic fire insurance company; deficiency of assets; notice; cessation of business; liability.
Section 500.5274	Domestic fire insurance company; assessment of stockholders.
Section 500.5276	Domestic fire insurance company; liability of directors under new risks accepted during deficiency.
Section 500.5280	Domestic mutual insurer; assets; deficiency; liability of director.
Section 500.5282	Domestic stock insurer; statement of beneficial ownership of equity securities.
Section 500.5283	Unfair use of information; prevention; actions for recovery of profits; limitations; exempt transactions.
Section 500.5283a	Acquisition of stock or stock option; exemption from MCL 500.5283; conditions; definition.
Section 500.5283b	Selection of director or officer to whom stock allocated or options granted; exercise of discretion; director or committee member as disinterested person; section inapplicable to certain options or equity securities.
Section 500.5283c	Stock purchase plan; limitations.
Section 500.5284	Securities not owned; sale; failure to deliver to transferee; exception.
Section 500.5285	Nonapplication of sections to certain transactions.
Section 500.5286	Foreign or domestic arbitrage transactions; exemptions.
Section 500.5287	Equity security; definition.
Section 500.5288	Registered equity securities; exemptions; conditions.
Section 500.5289	Insurance commissioner; regulatory powers; effect of good faith.
Section 500.5290	Unlawful solicitation; use of name to solicit proxies or consents.
218-1956-54	CHAPTER 54 MUTUAL LIFE AND DISABILITY INSURERS (DOMESTIC) (500.5400...500.5430)
Section 500.5400	Scope of chapter.
Section 500.5402	Domestic mutual insurers; formation; reorganization.
Section 500.5403	Mutual holding company as domestic mutual insurance company.
Section 500.5408	Prerequisites to granting certificate of authority.
Section 500.5412	Deficiency in insurance or membership; procedure.
Section 500.5416	Mutual life insurer; extension of powers; procedure.
Section 500.5420	Mutual life and disability insurers; amendment, adoption, and approval of bylaws.
Section 500.5424	Directors and officers; number; election.
Section 500.5430	Capital funds; borrowing; repayment.
218-1956-55	CHAPTER 55 DOMESTIC STOCK INSURER DIVISION (500.5500...500.5517)
Section 500.5500	Definitions.
Section 500.5503	Domestic stock insurer; division into 2 or more insurers; plan of division; requirements; amendment procedures; abandonment of plan.
Section 500.5505	Filing plan of division with the department; approval by board of directors and shareholders; effectiveness of certain provisions; reasonable notice.
Section 500.5507	Notice and hearing of plan required; approval and filing with department; conditions of approval; confidentiality of certain financial information; payment of department expenses; order.
Section 500.5509	Certificate of division; contents; effective date.
Section 500.5511	Division effectiveness; allocation and distribution of assets and liabilities.
Section 500.5513	Responsibilities, liabilities, and obligations of resulting insurer.
Section 500.5515	Record shareholder of non-surviving insurer right to dissent and obtain payment.
Section 500.5517	Shareholder right to dissent and obtain payment in connection with division; application of MCL 450.1762 to shareholder actions.
218-1956-58	CHAPTER 58 GENERAL MUTUAL INSURERS (DOMESTIC) (500.5800...500.5840)
Section 500.5800	Applicability of chapter.
Section 500.5801	Formation of domestic mutual insurer; nonprofit status; powers of nonprofit mutual disability insurer; limitation.
Section 500.5803	Mutual holding company resulting from reorganization considered as domestic mutual insurance company.
Section 500.5804	Domestic mutual insurers; incorporation.
Section 500.5805	Merger of nonprofit health care corporation with nonprofit mutual disability insurer.
Section 500.5810	Domestic mutual insurers; qualification for certificate of authority.
Section 500.5814	Repealed. 1970, Act 180, Imd. Eff. Aug. 3, 1970.
Section 500.5818	Domestic mutual insurers; rights of corporation and other bodies to be members.
Section 500.5824	Voting rights of members; administrative services agreements.
Section 500.5825	Rights or interests of member of nonprofit mutual disability insurer; dissolution or winding up of nonprofit mutual disability insurer; distribution and administration of residual value; conditions requiring payments to Michigan health endowment fund; determination by independent valuation; "beneficially own" defined.
Section 500.5826	Offering health care benefits to residents regardless of health status.
Section 500.5828	Domestic mutual insurers; contingent liability of members; nonassessable policies.
Section 500.5836	Mutual insurers; borrowed capital.
Section 500.5840	Domestic mutual insurers; deficiency in assets; assessment of members.
218-1956-59	CHAPTER 59 CONVERSION OF DOMESTIC MUTUAL INSURER TO DOMESTIC STOCK INSURER (500.5901...500.5927)
Section 500.5901	Definitions.
Section 500.5903	Conversion plan; vote to amend or withdraw; submission of documents to commissioner; time period for approval or disapproval; conditions; review by qualified expert; notice of meeting; vote; adoption; filing certain documents; confidentiality.
Section 500.5904	Plan of conversion; prohibited conduct.
Section 500.5905	Conversion plan; contents; provisions applicable to subscription rights.
Section 500.5907	Conversion plan; provisions applicable to operation as closed block of business.
Section 500.5909	Acquisition of capital stock of converted stock company or stock of participating corporation; limitations; prohibitions.
Section 500.5911	Receipt of subscription rights by directors and officers of mutual company.
Section 500.5913	Allocation of subscription rights to employee benefit plan.
Section 500.5915	Adoption of plan not relying on issuance of subscription rights; alternative plan; retaining qualified expert; “eligible member” and “U.S. branch” defined.
Section 500.5917	Effectiveness of plan; conditions.
Section 500.5919	Notice of adoption of conversion plan; right of member to rescind or cancel policy.
Section 500.5921	Conversion plan; continuation of corporate existence; transfer of rights, franchises, and interests; assumption of obligations and liabilities; service and election of directors and officers.
Section 500.5923	Payment of fee, commission, or consideration to director, officer, agent, or employee; costs and expenses.
Section 500.5925	Validity of actions.
Section 500.5927	Petition to waive notice and approval requirements.
218-1956-60	CHAPTER 60 Reorganization of Mutual Insurers (500.6001...500.6031)
Section 500.6001	Definitions.
Section 500.6003	Reorganization of mutual company; formation.
Section 500.6005	Reorganization plan; adoption; amendment; withdrawal.
Section 500.6007	Reorganization plan; contents.
Section 500.6009	Reorganization plan; operation and support of closed block of business.
Section 500.6011	Reorganization plan; filing of documents; hearing; approval or disapproval of plan by commissioner; conditions for approval; retention and assistance of qualified expert.
Section 500.6013	Reorganization plan; membership meeting; notice; quorum; vote; proxy; voter eligibility.
Section 500.6015	Documents to be filed after plan approval.
Section 500.6017	Mutual holding company; articles of incorporation.
Section 500.6019	Reorganization plan; conditions for plan to take effect.
Section 500.6023	Membership interest in mutual holding company.
Section 500.6025	Mutual holding company; powers and duties.
Section 500.6027	Transfer, assignment, or diversion of business from converted business.
Section 500.6029	Receipt of fee, commission, or other consideration; payment of costs and expenses.
Section 500.6031	Substantial compliance with notice requirements; commencement of action challenging validity of certain acts or commissioner's decision.
218-1956-61	CHAPTER 61 AUTOMOBILE THEFT PREVENTION AUTHORITY (500.6101... 500.6125)
Section 500.6101	Definitions.
Section 500.6103	Automobile theft prevention authority; creation; board of directors; appointment, qualifications, and terms of members; compensation and expenses; quorum; meetings; exercising powers, duties, and functions.
Section 500.6105	Authority; powers.
Section 500.6107	Automobile theft prevention fund; payment of assessment by certain insurers; administration of fund; priority of expenditures; use and distribution of fund; fund not considered state money; "written car year" defined.
Section 500.6110	Authority; plan of operation; report.
Section 500.6111	Automobile theft prevention authority; report.
Section 500.6115, 500.6125	Repealed. 1991, Act 191, Eff. Apr. 1, 1992.
218-1956-62	CHAPTER 62 MUTUAL EMPLOYERS' LIABILITY INSURERS (DOMESTIC) (500.6200...500.6236)
Section 500.6200-500.6236	Repealed. 1964, Act 256, Eff. Aug. 28, 1964.
218-1956-63	CHAPTER 63 ANTI-FRAUD UNIT (500.6301...500.6304)
Section 500.6301	Establishment of anti-fraud unit; powers and duties.
Section 500.6302	Anti-fraud unit; records and information; exempt from freedom of information act; duties of director; disclosure; waiver.
Section 500.6303	Annual report to legislature.
Section 500.6304	Effect of chapter; limitation of power.
218-1956-64	CHAPTER 64 COOPERATIVE PLAN INSURERS (DOMESTIC) (500.6400...500.6460)
Section 500.6400	Scope of chapter.
Section 500.6402	Domestic cooperative plan insurers; organization.
Section 500.6406	Domestic cooperative plan insurers; authorized kinds of insurance.
Section 500.6410	Domestic cooperative plan insurers; qualifications for certificate of authority; issuance of policies.
Section 500.6412	Domestic cooperative plan insurers; life insurer; qualifications to write annuity contracts.
Section 500.6414	Domestic cooperative plan insurers; qualifications to write group insurance.
Section 500.6418	Domestic cooperative plan insurers; directors; selection at annual meetings; first annual meeting.
Section 500.6422	Domestic cooperative plan insurers; members; voting; quorum; inspection of books.
Section 500.6428	Insurer transacting business under MCL 500.6406 subject to certain provisions.
Section 500.6432	Domestic cooperative plan insurers; reserves; standards applicable.
Section 500.6434	Contingency reserve; deposit.
Section 500.6436	Domestic cooperative plan insurers; unlawful use of reserve funds; penalty.
Section 500.6440	Domestic cooperative plan insurers; assessment of members; nonassessable policies.
Section 500.6446	Domestic cooperative plan insurers; limits of risk; increased reserve; reinsurance.
Section 500.6450	Guaranty fund; agreement; terms; repayment; other borrowed money.
Section 500.6456	Domestic cooperative plan insurers; conversion into mutual insurer; procedure.
Section 500.6460	New insurers organized after December 31, 1993.
218-1956-65	CHAPTER 65 LIMITED LIABILITY POOLS (500.6500...500.6550)
Section 500.6500	Applicability of chapter.
Section 500.6502	Formation of limited liability pool; purpose.
Section 500.6506	Powers of limited liability pool; limitation.
Section 500.6510	Commencement of business; pool not subject to MCL 500.410.
Section 500.6512	Limited liability pool; formation; purpose.
Section 500.6514	Limited liability pool; rates.
Section 500.6516	Limited liability pool; underwriting rules.
Section 500.6517	Limited liability pool; reinsurance.
Section 500.6518	Management of property, business, and affairs of pool by directors; selection and term of directors; first annual meeting; interim authority.
Section 500.6522	Insured person as member of pool; voting rights; quorum; inspection of books.
Section 500.6532	Reserves for unearned premiums.
Section 500.6534	Contingency reserve; deposit with state treasurer; use of deposit.
Section 500.6540	Assessment of member.
Section 500.6550	Loans.
218-1956-66	CHAPTER 66 RAILWAY EMPLOYEES, AND LIFE, DISABILITY INSURERS (DOMESTIC, STOCK) (500.6600...500.6616)
Section 500.6600	Scope of chapter.
Section 500.6604	Railway employees' loss of position; accident or disability; health and life insurance; annuities.
Section 500.6608	Capital stock issuance limitations; par value.
Section 500.6612	Applicability of chapter.
Section 500.6616	Railway employees' loss of position insurance; limit of liability; application.
218-1956-68	CHAPTER 68 FARMERS' AND OTHER SPECIAL MUTUAL PROPERTY INSURERS (DOMESTIC) (500.6800...500.6886)
Section 500.6800	Scope of chapter; code applicability to domestic farmers' mutual insurers.
Section 500.6802	Formation of mutual plan insurers.
Section 500.6804	Farmers' mutuals; organization; insuring powers.
Section 500.6806	Company organized or operating under MCL 500.6804; limit of risk.
Section 500.6807	Farmers' mutuals; coverage of property while off insured premises.
Section 500.6810-500.6820	Repealed. 1994, Act 226, Imd. Eff. June 27, 1994.
Section 500.6822	Certificate of authority; required to transact business; expiration; renewal; revocation; qualification for certificate of authority or commencing business.
Section 500.6823	Property insurance; territorial limitations.
Section 500.6824	Reinsurance; limitations.
Section 500.6826	Records and reports; requirements.
Section 500.6828	Financial report to members; penalty for violations.
Section 500.6830	Directors and officers; election.
Section 500.6834	Corporation, board, or association as member.
Section 500.6838	Premium notes and assessments; liens.
Section 500.6840	Levy of assessment; deficit; farmers' mutuals; advance premiums; surplus; membership fees; nonassignable policies.
Section 500.6842	Failure to make assessment; penalty.
Section 500.6844	Surplus fund; accumulation.
Section 500.6846	Board of directors; borrowing power.
Section 500.6848	Unearned premium reserve; refund.
Section 500.6850	Investments; real estate; agricultural credit corporation membership.
Section 500.6854	Insurance in excess of fair value prohibited.
Section 500.6856	Maximum amount recoverable on face of policy; premium, assessments.
Section 500.6858	Adjustment or arbitration of losses; subpoenas to witnesses; notice.
Section 500.6859	Adjustment or arbitration of losses; service of subpoenas; fees.
Section 500.6860	Adjustment or arbitration of losses; compelling attendance of witness; costs.
Section 500.6862	Adjustment or arbitration of losses; administration of oath to witness; perjury.
Section 500.6864	Limitation of actions.
Section 500.6866	Uniform farm mutual fire policy.
Section 500.6868	Uniform farm mutual fire policy; required form.
Section 500.6869	Uniform farm mutual fire policy; conflicting bylaws, riders.
Section 500.6870	Uniform farm mutual fire policy; optional provisions.
Section 500.6872	Uniform farm mutual fire policy; rate, premium, assessment, expiration.
Section 500.6874	Uniform farm mutual fire policy; printed descriptions and specifications of property.
Section 500.6876	Repealed. 1963, Act 53, Eff. Sept. 6, 1963.
Section 500.6886	Additional provisions of code applicable to domestic mutual insurers.
218-1956-70	CHAPTER 70 MULTIPLE EMPLOYER WELFARE ARRANGEMENTS (500.7001...500.7090)
Section 500.7001	Definitions.
Section 500.7004	Employee welfare benefit plan as multiple employer welfare arrangement; certificate of authority required; applicability of chapter.
Section 500.7006	Benefits to which authorized MEWA limited.
Section 500.7010	Application for certificate of authority; form; submission of application and other documents to commissioner; examination of application and documents; investigation; examination under oath of certain persons.
Section 500.7011	Conditions to issuance of certificate of authority.
Section 500.7012	Fees; payment and collection; service of process; designation and purpose of fees.
Section 500.7014	Issuance of certificate of authority; refusal to grant certificate; notice of refusal; request for and conduct of hearing.
Section 500.7018	Temporary certificate; organization of proposed MEWA; opening books to commissioner; condition to issuance of final certificate.
Section 500.7020	Issuance of policies by MEWA; premium or premium deposit; contingent premium; restoration of cash reserves.
Section 500.7022	Name of MEWA; proof of existence of MEWA.
Section 500.7024	Powers of MEWA.
Section 500.7026	Articles, bylaws, and trust agreement of MEWA and amendments thereto; filing; approval; form for trust agreement; notice of meeting; voting rights; powers to be exercised by board of trustees; restrictions on trustees.
Section 500.7028	Duties of trustees; limitation on liability of trustee.
Section 500.7030	Officers and agents; selection and appointment; authority and duties; removal; bond.
Section 500.7032	Compensation of trustee, officer, or employee.
Section 500.7034	Trustee or officer; prohibited conduct; violation as felony; penalty.
Section 500.7040	Financial statements and reports required to be filed; commingling of cash reserves prohibited.
Section 500.7044	Notice to individual covered by plan.
Section 500.7050	Examination of affairs of MEWA; access to books, records, and documents; examination of trustees, officers, agents, and employees; payment and disposition of assessment.
Section 500.7060	Additional provisions to which MEWA subject.
Section 500.7070	Certificate of authority; grounds for suspension, revocation, or limitation.
Section 500.7074	Written findings of violation; issuance and service of findings and cease and desist order; additional orders.
Section 500.7076	Violation of cease and desist order; notice; hearing; civil fine; suspension or revocation of certificate of authority.
Section 500.7078	Conduct of proceedings for payment of fines or for suspension, revocation, or limitation of certificate of authority; appeal of disputed claim; hearing.
Section 500.7080	Multiple employer welfare arrangement security fund; creation; administration; use; appointment, qualifications, terms, and compensation of board of trustees; powers of board of trustees; payment of and accounting for expenses.
Section 500.7084	Assessments; purpose; limitation; notice; payment; assessments as elements of loss for purpose of establishing rates; liability of employer ceasing to participate in MEWA; certification of collection and receipt of money from assessments; noting delinquencies; collection of delinquent assessment; transfer of money to state treasurer; treasurer or custodian of fund; investments; crediting earnings from investment.
Section 500.7086	Security fund as creditor of insolvent MEWA; reimbursement from insolvent MEWA.
Section 500.7090	Effective date of chapter.
218-1956-72	CHAPTER 72 RECIPROCAL INSURANCE EXCHANGES (500.7200...500.7234)
Section 500.7200	Scope of chapter.
Section 500.7202	Reciprocal insurance exchanges; insuring powers.
Section 500.7206	Reciprocal insurance exchanges; execution of contract by attorney.
Section 500.7210	Declaration; bond.
Section 500.7214	Reciprocal insurance exchanges; actions and suits.
Section 500.7218	Reciprocal insurance exchanges; limit of risk; statement of maximum assumed by subscriber.
Section 500.7222	Repealed. 1994, Act 226, Imd. Eff. June 27, 1994.
Section 500.7226	Reciprocal insurance exchanges; corporation empowered to exchange contracts.
Section 500.7230	Reciprocal insurance exchanges; records and securities of domestic insurers; safekeeping.
Section 500.7234	Reciprocal insurance exchanges; filing of fire, lightning, or windstorm rates.
218-1956-73	CHAPTER 73 TITLE INSURERS (500.7300...500.7318)
Section 500.7300	Scope of chapter.
Section 500.7301	Definitions.
Section 500.7302	Corporations authorized to transact title insurance.
Section 500.7303	Prerequisites to issuance of certificate of authority.
Section 500.7304	Title insurers; powers.
Section 500.7305	Unearned premium reserves.
Section 500.7306	Claim reserves; requirements.
Section 500.7308	Reinsurance; authorization.
Section 500.7310	Rating organizations; formation; operation.
Section 500.7312	Rates; filing.
Section 500.7313	Filing of basic forms of policies; policy commitments and other contracts or agreements.
Section 500.7315	Investments; interests in realty.
Section 500.7316	Property title information report.
Section 500.7317	Licensing of agents or solicitors.
Section 500.7318	Effect of act on prior act; liabilities; penalties.
218-1956-76	CHAPTER 76 CONSOLIDATION OR MERGER OF DOMESTIC INSURERS (500.7604...500.7606)
Section 500.7604	Procedure for consolidation, merger, or reinsurance of risks; waiver for domestic stock insurers; dissolution of corporation; cessation of liability; reinsurance of individual risks; fraternal benefit societies; acquisition of general abstract business; notice of merger of farmers mutual insurer with other mutual insurer.
Section 500.7606	Insurers; retention of names.
218-1956-77	CHAPTER 77 (500.7701...500.7780)
Section 500.7701	Short title of chapter.
Section 500.7702	Purpose and construction of chapter.
Section 500.7704	Coverages; liability of association; limitations.
Section 500.7705	Definitions.
Section 500.7706	Michigan life and health insurance guaranty association; creation; membership requirement; performance of functions; exercise of powers; accounts; supervision of commissioner; applicability of insurance laws; meetings.
Section 500.7707	Board of directors; appointment and election of members; vacancy; notice of organizational meeting; voting rights; approval of election or appointment; fair representation required; reimbursement for expenses.
Section 500.7708	Powers and duties of association as to impaired or insolvent insurers; proceeding under subsection (3)(b) or (5)(b); paying or crediting rate of interest; nonpayment of premiums; premiums due and liability for unearned premiums; applicability of protection; additional powers of association; transfer of amount to association; failure of association to act; rendering assistance and advice to commissioner; standing; appearance; intervention; assignment of rights and causes of action; subrogation; reduced amounts; additional powers of association; reinsurance agreement; substitute coverage.
Section 500.7709	Assessments.
Section 500.7710	Plan of operation and amendments; submission to commissioner; effective date; failure to submit suitable plan or amendments; rules; compliance by member insurers; contents of plan; providing for delegation of powers and duties of association to other organization.
Section 500.7711	Additional duties of commissioner; suspension or revocation of certificate of authority; forfeiture; appeal; judicial review; notice by liquidator, rehabilitator, or conservator.
Section 500.7712	Detection and prevention of insurer insolvencies or impairments; powers and duties of commissioner and board of directors; reports and recommendations.
Section 500.7714	Liability for unpaid assessments of insureds on impaired or insolvent insurer operating under plan with assessment liability; records of negotiations and meetings; report; association as creditor of impaired or insolvent insurer; “assets attributable to covered policies” defined; disbursement of assets.
Section 500.7715	Examination and regulation of association by commissioner; financial report; report of activities.
Section 500.7716	Association exempt from fees and taxes; exception.
Section 500.7717	Nonliability of member insurer, association, board of directors, or commissioner in performance of powers and duties.
Section 500.7718	Stay of proceedings in which insolvent insurer party; setting aside default judgment; defense.
Section 500.7719	Repealed. 1989, Act 302, Eff. Jan. 3, 1990.
Section 500.7780	Applicability of chapter to delinquent insurer.
218-1956-78	CHAPTER 78 LIQUIDATIONS AND RECEIVERSHIPS (500.7800...500.7868)
Section 500.7800-500.7868	Repealed. 1989, Act 302, Eff. Jan. 3, 1990.
218-1956-79	CHAPTER 79 PROPERTY AND CASUALTY GUARANTY ASSOCIATION (500.7901...500.7949)
Section 500.7901	Property and casualty guaranty association act; short title.
Section 500.7911	Property and casualty guaranty association; membership; exception; laws to which association subject.
Section 500.7911a	Life or disability insurer not to be member of association.
Section 500.7912	Property and casualty guaranty association; board of governors; appointment, terms, and qualifications of members; vacancy.
Section 500.7914	Property and casualty guaranty association; plan of operation, adoption, amendment, approval; failure to adopt operation plan.
Section 500.7916	Property and casualty guaranty association; servicing facilities; designation; reimbursement; authority; approval.
Section 500.7918	Property and casualty guaranty association; powers generally.
Section 500.7921	“Insolvent insurer” and “member insurer” defined.
Section 500.7925	“Covered claims” defined; definitions.
Section 500.7931	Payment and discharge of covered claims; association as party in interest; rights of association; cause of action against insureds; recoverable damages or benefits as credit against covered claim; action to recover excess payment; claims made under worker's disability compensation act; continuation and duration of coverage for covered claims; cancellation of insurance policies; notice; definitions.
Section 500.7933	Financial condition of member insurer; reports and recommendations; advice to commissioner; exemption from public disclosure.
Section 500.7935	Cooperation of insured with association; assignment of rights; indemnification from catastrophic claims association; options.
Section 500.7941	Assessments on member insurers; purpose; allocation of claim payments and costs to categories; separate assessments for each category; use, amount, and rate of assessment; remittance and administration of assessments; notice; limitation; exemption or deferment; recognition of assessments in rate-making procedures; refunds; revocation of certificate of authority.
Section 500.7945	Stay of proceedings.
Section 500.7947	Tax exemption.
Section 500.7948	Liability.
Section 500.7949	Insurance commissioner; regulatory powers; visitation; examination; hearings.
218-1956-80	CHAPTER 80 FRATERNAL BENEFIT SOCIETIES (500.8000...500.8095)
Section 500.8000-500.8095	Repealed. 1969, Act 318, Eff. Mar. 20, 1970;—1990, Act 1, Eff. Apr. 1, 1990.
218-1956-81	CHAPTER 81 SUPERVISION, REHABILITATION, AND LIQUIDATION (500.8101...500.8160)
Section 500.8101	Construction and purpose of chapter.
Section 500.8102	Applicability of proceedings authorized by chapter.
Section 500.8103	Definitions.
Section 500.8104	Commencement of delinquency proceeding; jurisdiction; stay of proceedings.
Section 500.8105	Receiver; application for relief.
Section 500.8106	Cooperation with commissioner; obstruction or interference prohibited; existing legal rights not abridged; penalties; petition for relief.
Section 500.8107	Official bonds.
Section 500.8108a	Prohibited conduct by insurer.
Section 500.8109	Orders; determination; supervision of insurer; restrictions; compliance; hearings; notice; time; judicial review; review of supervisor's action; violation of supervision order; penalty; enforcement of supervision order; personal liability to insurer for reduction of net worth or loss; action; costs and expenses.
Section 500.8110	Seizure order.
Section 500.8111	Confidentiality; exception; “third parties” defined.
Section 500.8112	Rehabilitation of insurer; petition; grounds.
Section 500.8113	Order to rehabilitate insurer; provisions; filing as notice; title to assets vested in rehabilitator; accounting.
Section 500.8114	Commissioner as rehabilitator; appointment of special deputies; employment of counsel, clerks, and assistants; compensation; terms; expenses; powers of rehabilitator; criminal or tortious conduct; breach of contractual or fiduciary obligation; plan to effect changes; avoidance of fraudulent transfers.
Section 500.8115	Stay of action or proceeding; purpose; duties of rehabilitator; statute of limitations; laches; standing of guaranty association.
Section 500.8115a	Netting agreement or qualified financial contract; rights; transfer; duties of receiver; exception; rights of counterparties; definitions.
Section 500.8116	Order of liquidation; petition; duties of circuit court; order terminating rehabilitation; restoration to possession of property and control of business.
Section 500.8117	Liquidation of domestic or alien insurer; basis.
Section 500.8118	Order of liquidation; provisions; filing as notice; rights and liabilities; judicial declaration of insolvency; accounting.
Section 500.8118a	Order transferring title to and possession of trusteed assets; actions of court; considerations.
Section 500.8119	Order of liquidation; continuation of policies in force; termination of coverages.
Section 500.8120	Dissolution of corporation.
Section 500.8121	Powers of liquidator; extended reporting period; powers and authority not exclusive; delaying sale of assets.
Section 500.8122	Notice of liquidation; filing claims; changes of address.
Section 500.8123	Notice by agent to policyholder; report of compliance; penalty; waiver.
Section 500.8124	Order appointing liquidator as bar to action at law or equity; full faith and credit to injunctions; intervention; expense; institution of action or proceeding on behalf of estate of insurer; period of limitation; statute of limitation or defense of laches.
Section 500.8124a	Guaranty association or foreign guaranty association; court standing; right to intervene; jurisdiction.
Section 500.8125	List of insurer's assets; amendments and supplements; filing; reduction of assets to liquidity; submission of assets for disbursement.
Section 500.8126	Transfers and obligations as fraudulent; avoidance by receiver; retention of property, lien, or obligation as security for repayment; preservation of transfer or obligation; perfection of transfer; transfer creating equitable lien; fraudulent transaction of insurer with reinsurer.
Section 500.8127	Transfer of insurer's real property; validity; constructive notice of commencement of proceeding in rehabilitation or liquidation; judicial sale of real property of insurer; validity of transfer against receiver; payment of indebtedness or delivery of property to insurer; knowledge of pending rehabilitation or liquidation; burden of proof; currency or negotiable instruments not impaired.
Section 500.8128	Preference generally; transfers considered made or suffered; lien obtainable by legal or equitable proceedings; dissolution of voidable lien; discharge of property from lien; summary jurisdiction; hearing; notice; order; liability of surety; set off against preference; examination of transactions; payment of attorney; personal liability; recovery of certain commissions in delinquency proceedings.
Section 500.8129	Claim of creditor; allowance; excused late filing.
Section 500.8130	Setoff or counterclaim.
Section 500.8130a	Contributions of parties; determination by court; distribution to stockholders; recovery of distributions; limitations.
Section 500.8131	Report of liquidator to court; levy of assessment; order to show cause; notice; hearing; determination; enforcement.
Section 500.8132	Amount recoverable by liquidator from reinsurers; reduction prohibited; reinsurer's obligation to insurer's estate; assumption of obligations by life and health insurance guaranty association.
Section 500.8133	Payment of unpaid earned premium; recovery of unearned premium; prohibited credits and setoffs; violation; penalty; notice; hearing; appeal.
Section 500.8133a	Deductible agreement; collateral as asset maintained and administered by receiver; jurisdiction of circuit court; rights of guaranty association or foreign guaranty association; applicability to delinquency proceedings; applicability to first party claims; definitions.
Section 500.8134	Proposal to make early access disbursements; effect of insufficient assets; report; provisions of proposal; notice of application; action on application; return of early access funds; limitation.
Section 500.8135	Proof of claims; filing; circumstances permitting late filing; receipt of distributions by late filing claimants.
Section 500.8136	Proof of claim; statement; form; additional information or evidence; judgment or order entered by default or collusion; judgment or order as evidence of liability or quantum of damages; claims of guaranty association.
Section 500.8137	Contingent claims; discounting claims at legal rate of interest; claims made under employment contracts.
Section 500.8138	Third party claim; claim by insured; insured as unexcused late filer; recommendations of liquidator; withholding dividends; hearing; payment of insured; reversions to undistributed assets; delay in final payment; filing of several claims founded on 1 policy; prohibited claims.
Section 500.8139	Denial of claim; filing of objections; hearing; notice.
Section 500.8140	Subrogation to rights of creditor; distribution; excess received by creditor.
Section 500.8141	Value of security; determination; supervision and control; crediting amount determined; deficiency treated as unsecured claim; surrender of security to liquidator.
Section 500.8141a	Payment of special deposit claims; priority; transfer of special deposits.
Section 500.8142	Priority of distribution of claims from insurer's estate; class of claims; subclasses prohibited; order of distribution; assets in separate account; definitions.
Section 500.8143	Review of claims by liquidator; investigation; negotiation; unresolved disputes; report on claims by liquidator; approval, disapproval, or modification; limitation.
Section 500.8144	Distributions; manner of payment; distribution of assets in kind.
Section 500.8145	Disposition of unclaimed or withheld funds.
Section 500.8146	Application for discharge.
Section 500.8147	Petition to reopen proceedings.
Section 500.8148	Retention or destruction of records.
Section 500.8149	Audits.
Section 500.8150	Conservator.
Section 500.8151	Petition for order directing commissioner to liquidate assets; grounds; notice; order; liquidator as ancillary receiver; commissioner as receiver; paying claims of residents.
Section 500.8152	Vesting of title in domiciliary liquidator or commissioner; filing claims.
Section 500.8153	Petition requesting appointment of ancillary receiver; order; notice; powers and duties of ancillary receiver.
Section 500.8154	Institution of proceedings under MCL 500.8109 to 500.8111.
Section 500.8155	Filing of claims; proof; conclusiveness of final allowance of claims.
Section 500.8156	Filing of claims; proof; recommendation; hearing; notice; appearance or representation; conclusiveness of final allowance of claim.
Section 500.8157	Prohibited action or proceeding.
Section 500.8158	Controlling order of distribution; equal priority of payment; priority against special deposits; deficiency; deferred sharing; surrender of security and filing claim as general creditor; discharge of claim.
Section 500.8159	Failure to transfer assets.
Section 500.8160	Repealed. 2001, Act 143, Imd. Eff. Oct. 26, 2001.
218-1956-81a	CHAPTER 81a FRATERNAL BENEFIT SOCIETIES (500.8161...500.8199a)
Section 500.8161	Definitions.
Section 500.8162	Society governed by chapter; exemption.
Section 500.8163	Society as charitable and benevolent institution; tax exemption.
Section 500.8164	Definition of fraternal benefit society.
Section 500.8165	Society operating on lodge system; requirements; lodges for children.
Section 500.8166	Representative form of government; requirements; postponement of society meetings.
Section 500.8167	Society operating for benefit of members and their beneficiaries; requirements; subsidiary corporations or affiliated organizations; laws and rules; additional powers.
Section 500.8168	Specification of eligibility standards, admission process, and rights and privileges; social members; rights personal and not assignable.
Section 500.8169	Principal office of domestic society; meetings of supreme governing body; validity of business transacted; minutes; official publication; report, notice, or statement; mailing or publication of synopsis of annual statement; grievance or complaint procedures.
Section 500.8170	Personal liability; indemnification and reimbursement; purchase of insurance.
Section 500.8171	Waiver of society's laws.
Section 500.8172	Formation of domestic fraternal society; requirements; filing documents; bond; certifying, retaining, and filing articles of incorporation; preliminary certificate of authority; solicitation of members; collection of premium; receipt; liability; issuance of certificate; paying or allowing benefit; examination; information; evidence of compliance; issuance of certificate of authority; certificate as evidence; record.
Section 500.8173	Reincorporation not required.
Section 500.8174	Amendment to laws.
Section 500.8175	Not for profit institution; purposes; reporting real or personal property.
Section 500.8176	Reinsurance agreement.
Section 500.8177	Consolidation or merger; compliance; filings; approval of contract; issuance of certificate; effective date; vesting of rights, franchises, and interest; affidavit as evidence of mailing notice or documents; payment of expenses and compensation; itemized statement of expenses; consolidation or merger subject to MCL 500.7604.
Section 500.8178	Domestic fraternal benefit society as mutual life insurance company.
Section 500.8179	Contractual benefits; specifying persons covered in rules.
Section 500.8180	Changing beneficiary; limiting scope of beneficiary designations; vested interest of revocable beneficiary; payment of funeral benefits; payment of benefit to personal representative or owner of certificate.
Section 500.8181	Attachment, garnishment, or other process.
Section 500.8182	Benefit contracts.
Section 500.8183	Value of paid-up nonforfeiture benefit; amount of cash surrender value, loan, or other option granted.
Section 500.8184	Investments generally.
Section 500.8185	Assets; special fund; accounts; issuance of contracts on variable basis; special procedures; special voting and other rights.
Section 500.8186	Standards of valuation for certificates; excess reserves.
Section 500.8187	Reports; annual statement; valuation of certificates; penalty.
Section 500.8188	Duration of license or authorization to transact business; copy of license as evidence.
Section 500.8189	Examination of society.
Section 500.8190	Foreign or alien society; license required; compliance; conditions.
Section 500.8191	Domestic society; deficiencies; notice; request for correction; noncompliance; action to enjoin or action in quo warranto; hearing; order; findings; liquidation; recognition of action; receiver; voluntary determination to discontinue business.
Section 500.8192	Foreign or alien society; deficiencies; notice; request for correction; noncompliance; suspension, revocation, or refusal of license; contracts.
Section 500.8193	Application or petition for injunction; recognition.
Section 500.8194	Agent of society; license required; exceptions.
Section 500.8195	Society subject to chapter 20.
Section 500.8196	Service of process.
Section 500.8197	False or fraudulent statement or representation as misdemeanor or perjury; violation of MCL 500.8177 as felony; soliciting or procuring membership in unlicensed society as misdemeanor; violation of or noncompliance with chapter; penalties.
Section 500.8198	Decisions and findings of commissioner; judicial review.
Section 500.8199	Exemptions.
Section 500.8199a	Additional chapters and provisions applicable to fraternal benefit society.
218-1956-82	CHAPTER 82 TRANSFORMATION OF FRATERNAL BENEFIT SOCIETIES (500.8204...500.8254)
Section 500.8204	Fraternal benefit society; reorganization into legal reserve premium company; amendment of articles.
Section 500.8206	Reorganization; proposed articles and bylaws; filing with insurance commissioner.
Section 500.8208	Reorganization; hearing on petition.
Section 500.8210	Reorganization; member's right to appear.
Section 500.8212	Reorganization; examination; witnesses.
Section 500.8214	Reorganization; authorization by insurance commissioner; modification.
Section 500.8216	Reorganization; order; disposition of assets.
Section 500.8218	Reorganization; submission of plan to governing body of society; meeting.
Section 500.8220	Reorganization; special meeting; notice; approval; required vote; proxies.
Section 500.8224	Reorganization; members; referendum.
Section 500.8228	Reorganization; plan; approval by insurance commissioner; vote; results.
Section 500.8232	Reorganization; plan; adoption requirements.
Section 500.8240	Applicability of MCL 500.8204 to 500.8232.
Section 500.8242	Reorganization; effect; continuation of original corporation; powers; officers.
Section 500.8246	Amendment or reincorporation; saving clause.
Section 500.8250	Liens upon certificates; notices to members; application of section.
Section 500.8254	Certificates of membership; valuation; reserve; annual statement.
218-1956-83	CHAPTER 83 REPEALS, SAVING CLAUSE, EFFECTIVE DATE (500.8300...500.8302)
Section 500.8300	Repeals.
Section 500.8301	Saving clause.
Section 500.8302	Effective date of act.