Regulations

The following is a list of all administrative regulations promulgated by the Alabama Commissioner of Insurance and currently in force. The regulations are listed in order by regulation number. Regulations that have been repealed or that are otherwise no longer in force have been omitted from this list.

If you do not know the specific number of a regulation, please use your browser's "Find" feature to search for specific words that may be included in the description of a regulation.

Included is a link for the full text of those regulations adopted or revised since 1990. The link will be in one of the columns on the right titled "Format of Link" and will take you to either a "Word" or a "PDF" file. If you cannot access the regulation you need from this site, you may request a copy via e-mail.

Please include in your request the Regulation Number and description. There is no charge for copies obtained from this web page or by e-mail. Photocopies can be provided via U.S. Mail at a cost of $1 per page. The "Number of Pages" column to the right of the description indicates the number of pages in the regulation maintained at the Alabama Department, and thus the cost in dollars to obtain a copy of the regulation. Please mail your check payable to Commissioner of Insurance, State of Alabama, to P O Box 303351, Montgomery AL 36130-3351.

Regulation Number	Description	Number of Pages	Format of Links
3	Per Diem Subsistence and Compensation Incurred in Examination of Domestic Insurance Companies and Others	4	Word
9	Industrial Fire Insurance Policies [last revised effective January 26, 2003]	4	Word
11	Nationwide Marine Definition Adopted	1	Word
13	Disability Insurance Advertisements and Other Similar Coverages [last revised effective January 26, 2003]	35	Word
17	So-Called "Free Insurance" in Connection with Sales of Cemetery Lots, Automobiles, and Other Articles and Services	3	Word
24	Filing for Approval of All Life and Accident and Health Policy Forms, Riders, Endorsements and Applications [Last Revised Effective Date May 1, 2003]	4	Word
36	Insurance Placed with Companies not Licensed in Alabama	5	Word
39	Classification of Certain Types of Insurance as Inland Marine	1	Word
40	Insurance - Rebates - Dividends	3	Word
42	Proxies, Consents and Authorizations of Domestic Stock Insurers	46
	Text of Regulation 42		Word
	Schedule A		Word
	Schedule B		Word
	Schedule C		Word
43	Mortgage Guaranty Insurance	4	Word
52	Alabama Insurance Underwriting Association	2	Word
54	Notification of Actions Against Insurance Companies, Insurance Producers, and Other Licensed Entities [Last Revised Effective Date May 1, 2003]	5	Word
55	Insurance Holding Company System Regulation with Reporting Forms and Instructions [last revised effective July 15, 1994]	31
	Text of Regulation 55		Word
	Form A. Statement Regarding the Acquisition of Control of or Merger With A Domestic Insurer		Word
	Form B. Insurance Holding Company System Annual Registration Statement		Word
	Form C. Summary of Registration Statement		Word
	Form D. Prior Notice of a Transaction		Word
58	Placement of Property and Casualty Insurance on a Brokerage Basis	5	Word
59	Guidelines to be Used for Real Estate Appraisals [Effective January 1, 2005]	3	Word
60	Only Admissible Assets Shall be Reported on Annual Statements [Effective January 1, 2005]	3	Word
62	General Property/Casualty Binders, Certificates of Insurance or Indemnity Agreements [revised effective June 5, 2004]	3	Word
63	Minimum Surplus Required to Issue Policies of Insurance [Effective January 1, 2005]	3	Word
65	Procedural Rules Governing Administrative Hearings [Last Revised Effective Date May 1, 2003]	14	Word
66	Treatment of Unclaimed Funds by Insurers	3	Word
71	Medicare Supplement Insurance Minimum Standards Regulation.	110	Word
	Revised effective June 30, 2009	116	Word
72	Receipt Requirements [Effective January 1, 2005]	4	Word
73	Alabama Procedure for Permitting Same Minimum Nonforfeiture Standards for Men and Women Insured Under 1980 CSO and 1980 CET Mortality Tables [Last Revised Effective Date November 15,1985]	15
	Text of Regulation 73		Word
	Table B (CSO), Page 6		Excel
	Table B (CET), Page 7		Excel
	Table C (CSO), Page 8		Excel
	Table C (CET), Page 9		Excel
	Table D (CSO), Page 10		Excel
	Table D (CET), Page 11		Excel
	Table E (CSO), Page 12		Excel
	Table E (CET), Page 13		Excel
	Table F (CSO), Page 14		Excel
	Table F (CET), Page 15		Excel
74	Unfair Discriminatory Acts or Practices	2	Word
75	Smoker - Non-Smoker Mortality Tables for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits [Last Revised Effective Date November 15, 1985]	17
	Text of Regulation 75		Word
	Table 1, Page 6		Excel
	Table 2, Page 7		Excel
	Table 3, Page 8		Excel
	Table 4, Page 9		Excel
	Table 5, Page 10		Excel
	Table 6, Page 11		Excel
	Table 7, Page 12		Excel
	Table 8, Page 13		Excel
	Table 9, Page 14		Excel
	Table 10, Page 15		Excel
	Table 11, Page 16		Excel
	Table 12, Page 17		Excel
76	Alabama Procedures for Recognizing a New Annuity Mortality Table for Use in Determining Reserve Liabilities for Annuities [last revised effective January 1, 1999]	5	Word
77	The Use of Clearing Corporations and Federal Reserve Book Entry System by Domestic Insurance Companies [last revised effective date June 9, 2003]	13	Word
78	Named Payee on Checks Written for Premiums and Receipts Therefore	3	Word
	Revised effective July 1, 2009	4	Word
79	Health Maintenance Organizations Generally	14	Word
80	Liabilities of Health Maintenance Organizations [last revised effective May 1, 1996]	8	Word
81	Licensing of Sales Agents for Health Maintenance Organizations	3	Word
82	Health Maintenance Organization Guaranty Association	4	Word
83	Governing Rules of the Alabama Health Maintenance Organization Guaranty Association	13	Word
85	Life and Health Reinsurance Agreements	9	Word
88	Guidelines to Advertisers Regarding the Offering of Free Gifts, Benefits, etc.[last revised effective date June 9, 2003]	4	Word
90	Examination Expenses of Rule, Rate or Form Filings by Rate-Making Organizations	2	Word
91	Long-Term Care Insurance	73	Word
93	Credit Property and Voluntary Unemployment Insurance [last revised effective August 2, 2002]	10	Word
94	Surplus Notes	7	Word
96	Placement of Insurance Through Alien Unauthorized Insurers	6	Word
97	NAIC Accounting Practices and Procedures and Insurer Reporting Requirements	10	Word
97	NAIC Accounting Practices and Procedures and Insurer Reporting Requirements (Revised effective January 1, 2009)	6	Word
98	Valuation of Investments	2	Word
99	Capital and Surplus Requirement	2	Word
100	Requirement for Annual Audited Financial Reports [revised effective June 5, 2004]	13	Word
101	Standards for Determining Hazardous Financial Condition	5	Word
	[revised effective May 5, 2009]	6	Word
102	Participation in the NAIC Insurance Regulatory Information System (IRIS)	3	Word
103	Conduct of Examinations and Filing of Reports of Examination	3	Word
104	Confidential Treatment of Information	3	Word
105	Credit for Reinsurance [last revised effective date November 9, 2003]	23
	Text of Regulation 105		Word
	Form AL-AR-1. Certificate of Assuming Insurer		Word
106	Managing General Agents [last revised effective August 29, 2002]	7
	Text of Regulation 106		Word
	Form AL-MGA-1. This is the form used to apply for MGA Appointment. (Rev. 8/2002)		PDF
	Form AL-MGA-2. This is the MGA contract insurers must use. (Rev. 8/2002)		PDF
	Form AL-MGA-3. This form is used by insurers to cancel an MGA appointment. (Rev. 8/2002)		PDF
	Form AL-MGA-4. This form will be sent to insurers by the DOI on or about October 1 of each year. (Rev. 8/2002)		PDF
107	Reinsurance Intermediaries	9
	Text of Regulation 107		Word
	Form AL-RI-1. Use this form to apply for Reinsurance Intermediary License.		Word
109	Continuation of Appointments for Producers and Service Representatives	4	Word
110	Renewal of License and Continuing Education for Producers and Service Representatives	12	Word
111	Licensing of Limited Line Credit Insurance Producers [last revised effective September 29, 2002]	13	Word
112	Actuarial Opinion and Memorandum Regulation
	As adopted effective October 3, 1996, applies to annual statements for the years 1996 to 2003	27	Word
	As revised effective January 1, 2004, applies to annual statements for the year 2004 and thereafter	19	Word
113	Accelerated Benefit Provisions of Individual and Group Life Insurance Policies	10	Word
114	Life Insurance Illustrations [effective January 1, 1998]	17	Word
115	Alabama Health Insurance Plan	13	Word
116	Alabama Small Employer Allocation Program [last revised effective October 1, 2001]	17	Word
117	Credit Life and Disability Insurance [effective November 1, 1999]	23	Word
118	Record Retention for Financial Audits and Time Limits for Response to Inquiries from Examiners	4	Word
119	Restrictions on Loans obtained by Insurance Producers from their clients	5	Word
120	Valuation of Life Insurance Policies (Including the Introduction and Use of New Select Mortality Factors)	35
	As revised effective March 1, 2000		Word
	As revised effective January 1, 2004		Word
122	Privacy of Nonpublic Personal Financial Information [last revised effective October 1, 2001]	41	Word
123	Rates and Forms Filing Requirements for Property and Casualty Insurance [last revised effective September 22, 2001]	3	Word
124	Standards for Life, Accident and Health Insurance Claims [Effective June 9, 2003]	8	Word
125	Standards for Property and Casualty Insurance Claims	12	Word
126	Standards for Safeguarding Customer Information	6	Word
127	Use of Credit Information for Determining Rates and Eligibility for Personal Insurance	8	Word
128	Group Coordination of Benefits (COB)	24	PDF
129	Annuity Disclosure	26	Word
130	Recognition of the 2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits [Effective January 1, 2004]	6	Word
131	Life Insurance Disclosure Regulation [Effective January 1, 2005]	15	Word
	Appendix A. Life Insurance Buyer's Guide		Word
132	Advertisements of Life Insurance and Annuities Regulation [Effective January 1, 2005]	15	Word
133	Life Insurance and Annuities Replacement Regulation	25	Word
	Appendix A. Important Notice Regarding Replacements		Word
	Appendix B. Notice Regarding Replacements for Direct Response Insurers		Word
	Appendix C. Important Notice Regarding Replacements for Direct Response Insurers		Word
134	Health Insurance Reserves	23	Word
135	Mediation Alternative Procedures For Resolution Of Disputed Personal Lines Insurance Claims Arising From Hurricane, Tropical Storm, Tornados And Other Disasters Damage	7	Word
136	Notice Requirements for Coverage Restrictions of Existing Policies at Renewal and for Non-Renewal of Coverage	4	Word
137	Suitability Protection in Annuity Transactions	7	Word
138	Captive Insurers [Effective August 11, 2006]	9	Word
139	Recognition of Preferred Mortality Tables for use in Determining Minimum Reserve Liabilities	5	Word
140	Military Sales Practices	12	Word
141	Annual Financial Reporting	23	Word
142	Biographical Data Relating to Company Officers and Directors	4	Word
	Attachment A		PDF
143	Preneed Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values	5	Word
144	Electronic Filing of Premium Tax Returns and Surplus Line Broker Tax Returns; Electronic Payment of Premium Taxes, Surplus Line Broker Taxes and Fees	6	Word
146	Criminal History Disclosure and 18 U.S.C. Section 1033 Consent	12	Word

July 04, 2009