Life and Disability Insurance: General Provisions, first half

What this document is

California Insurance Code Div. 2, Pt. 2, Ch. 1, Art. 1 - Life and Disability Insurance: General Provisions, first half (Secs. 10110 through 10123.3) is a state statute published by California Legislative Counsel (leginfo.legislature.ca.gov). It is one of the California documents that insurance license exam questions are written from, including california life & health practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• Cal. Ins. Code § 10123(b) (Self-Insured Plan Confinement Benefits)

  “A plan contract which provides benefits that accrue after a certain time of confinement in a health care facility shall specify what constitutes a day of confinement or the number of consecutive hours of confinement which are requisite to the commencement of benefits.”

• Cal. Ins. Code § 10113 (Entire Contract; Statements as Representations)

  “shall contain and be deemed to constitute the entire contract between the parties and nothing shall be incorporated therein by reference to any constitution, by-laws, rules, application or other writings, of either of the parties thereto or of any other person, unless the same are indorsed upon or...”

• Cal. Ins. Code § 10123.3(c) (Genetic Characteristics; Solicitor Compensation)

  “No discrimination shall be made in the fees or commissions of a solicitor or solicitor firm for an enrollment or a subscription or the renewal of an enrollment or subscription of any person on the basis of a person’s genetic characteristics that may, under some circumstances, be associated with...”

• Cal. Ins. Code § 10113.4 (Group Conversion; Suicide Contestability Period)

  “If a group life insurance policy contains a provision that makes a certificate holder’s coverage contestable on the grounds of suicide for a period following commencement of coverage, only the unexpired portion of that period shall be applied to a certificate holder’s individual conversion policy...”

• Cal. Ins. Code § 10123.2 (Coverage for Physically Handicapped Persons)

  “On and after the effective date of this section, every self-insured employee welfare benefit plan which provides coverage for hospital, medical, or surgical expenses shall offer coverage to physically handicapped persons for such expenses incurred, under such terms and conditions as are normally...”

• Cal. Ins. Code § 10113.5(b) (Incontestability; Impostor in Application Process)

  “if photographic identification is presented during the application process, and if an impostor is substituted for a named insured in any part of the application process, with or without the knowledge of the named insured, then no contract between the insurer and the named insured is formed, and any...”

• Cal. Ins. Code § 10110.1(g) (Contract Void Absent Insurable Interest at Application)

  “Any contract of life or disability insurance procured or caused to be procured upon another individual is void unless the person applying for the insurance has an insurable interest in the individual insured at the time of the application.”

• Cal. Ins. Code § 10110 (Insurable Interest in Life and Health)

  “Every person has an insurable interest in the life and health of: (a) Himself. (b) Any person on whom he depends wholly or in part for education or support. (c) Any person under a legal obligation to him for the payment of money or respecting property or services, of which death or illness might...”

• Cal. Ins. Code § 10110.1(b) (Interest in One's Own Life)

  “An individual has an unlimited insurable interest in his or her own life, health, and bodily safety and may lawfully take out a policy of insurance on his or her own life, health, or bodily safety and have the policy made payable to whomsoever he or she pleases, regardless of whether the...”

• Cal. Ins. Code § 10119 (Immediate Coverage of Newborn and Adopted Children)

  “(a) No policy of disability insurance which, in addition to covering the insured, also covers members of the insured’s immediate family, may be issued or amended in this state if it contains any disclaimer, waiver, or other limitation of coverage relative to the accident and sickness coverage or...”

• Cal. Ins. Code § 10110.1(a) (Insurable Interest Defined)

  “An insurable interest, with reference to life and disability insurance, is an interest based upon a reasonable expectation of pecuniary advantage through the continued life, health, or bodily safety of another person and consequent loss by reason of that person’s death or disability or a...”

• Cal. Ins. Code § 10119.3 (Agent or Broker Duty to Assist and Attest on Health Applications)

  “(b) An agent or broker who assists an applicant in submitting an application to a health insurer shall attest on the written application to both of the following: (1) That to the best of his or her knowledge, the information on the application is complete and accurate. (2) That he or she explained...”

Practice this material

Questions about this source

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• California Accident and Health Agent Examination Educational ObjectivesCandidate handbook or exam outline
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• California Personal Lines License Examination ObjectivesCandidate handbook or exam outline
• California Property License Examination ObjectivesCandidate handbook or exam outline
• Cal. Ins. Code s. 790.03: Unfair methods of competition and unfair or deceptive acts definedState statute
• Cal. Ins. Code s. 1668: Grounds for license denial, suspension, or revocationState statute
• Cal. Ins. Code ss. 10350.2-10350.3: Individual disability policy required provisionsState statute