Delaware Code Title 18 Chapter 31, Secs. 3101-3127: Group Life Insurance

What this document is

Delaware Code Title 18 Chapter 31 - Group Life Insurance (Secs. 3101-3127) is a state statute published by Delaware Code Online (delcode.delaware.gov), Delaware General Assembly. It is one of the Delaware documents that insurance license exam questions are written from, including delaware 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.

• 18 Del. C. Chapter 31 § 3110(c) (Disclosure Requirements for Other Groups)

  “The notice required by subsection (a) of this section shall be placed on or accompany any application or enrollment form provided prospective insureds.”

• 18 Del. C. Chapter 31 § 3120 (Conversion on Termination of Eligibility)

  “if the insurance, or any portion of it, on a person covered under the policy or on the dependent of a person covered, ceases because of termination of employment or of membership in the class or classes eligible for coverage under the policy, such person shall be entitled to have issued to him or...”

• 18 Del. C. Chapter 31 § 3122 (Death Pending Conversion)

  “A group life insurance policy shall contain a provision that if a person insured under the group policy, or the insured dependent of a covered person, dies during the period within which the individual would have been entitled to have an individual policy issued in accordance with § 3120 or § 3121...”

• 18 Del. C. Chapter 31 § 3103(4) (Debtor groups: amount of insurance)

  “The amount of insurance on the life of any debtor shall at no time exceed the greater of the scheduled or actual amount of unpaid indebtedness as to the creditor.”

• 18 Del. C. Chapter 31 § 3108 (Discretionary Groups)

  “A policy may be issued to any other substantially similar group which, in the discretion of the Commissioner, may be subject to the issuance of a group life policy or contract.”

• 18 Del. C. Chapter 31 § 3113 (Grace Period)

  “A group life insurance policy shall contain a provision that the policyholder is entitled to a grace period of 31 days for the payment of any premium due except the first, during which grace period the death benefit coverage shall continue in force, unless the policyholder shall have given the...”

• 18 Del. C. Chapter 31 § 3114 (Incontestability)

  “A group life insurance policy shall contain a provision that the validity of the policy shall not be contested except for nonpayment of premiums, after it has been in force for 2 years from its date of issue; and that no statement made by any person insured under the policy relating to insurability...”

• 18 Del. C. Chapter 31 § 3119 (Certificate)

  “A group life insurance policy shall contain a provision that the insurer will issue to the policyholder for delivery to each person insured a certificate setting forth a statement as to the insurance protection to which he or she is entitled, to whom the insurance benefits are payable, a statement...”

• 18 Del. C. Chapter 31 § 3101 (Group policies must meet group requirements)

  “Except as provided in § 3109 of this title, no policy of group life insurance shall be delivered in this State unless it conforms to 1 of the descriptions contained in §§ 3102-3108 of this title.”

• 18 Del. C. Chapter 31 § 3104 (Labor union, employee organization groups)

  “A policy may be issued to a labor union, or similar employee organization, which shall be deemed to be the policyholder, to insure members of such union or organization for the benefit of persons other than the union or organization or any of its officials, representatives or agents, subject to the...”

• 18 Del. C. Chapter 31 § 3117 (Misstatement of Age)

  “A group life insurance policy shall contain a provision specifying an equitable adjustment of premiums or of benefits or of both to be made in the event the age of a person insured has been misstated, such provision to contain a clear statement of the method of adjustment to be made.”

• 18 Del. C. Chapter 31 § 3125 (Notice as to Conversion Right)

  “Written notice presented to the individual or mailed by the insurer to the last known address of the individual as furnished by the policyholder shall constitute notice for the purpose of this section.”

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More Delaware sources

• Del. Code tit. 18, ch. 29: Life insurance contracts - standard policy provisionsState statute
• Delaware Code Title 18, Ch. 017 - Licensing of Professional Insurance PersonnelState statute
• Delaware Code Title 18, Ch. 023 - Unfair Practices in the Insurance BusinessState statute
• Delaware Code Title 18, Ch. 29 - Life Insurance and Annuity ContractsState statute
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• Delaware Code Title 18, Ch. 035 - Group and Blanket Health InsuranceState statute
• Delaware Code Title 18 Chapter 17 - Licensing of Professional Insurance Personnel (Secs. 1701-1724)State statute
• Delaware Code Title 18 Chapter 17A - Licensing of Public Adjusters (Secs. 1750-1761)State statute