O.C.G.A. Title 33 Chapter 6, §§ 33-6-1 through 33-6-37, 22 sections; two articles, 33-6-1 to -14 and 33-6-30 to -37: Unfair Trade Practices

What this document is

O.C.G.A. Title 33 Chapter 6 - Unfair Trade Practices (§§ 33-6-1 through 33-6-37, 22 sections; two articles, 33-6-1 to -14 and 33-6-30 to -37) is a state statute published by Georgia Code Revision Commission / LexisNexis (Official Code of Georgia Annotated), served through the Fastcase public document service that the Georgia Secretary of State's own rules publication links to. It is one of the Georgia documents that insurance license exam questions are written from, including georgia life & health, georgia property & casualty, georgia personal lines 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.

• O.C.G.A. § 33-6-4(b)(4) (Boycott, Coercion, Intimidation)

  “Entering into any agreement to commit or by any concerted action committing any act of boycott, coercion, or intimidation resulting in or tending to result in unreasonable restraint of or monopoly in the business of insurance;”

• O.C.G.A. § 33-6-4(b)(14.1) (Sales to Armed Forces Members)

  “Engaging in dishonest, unfair, or deceptive insurance practices in marketing or sales of insurance to service members of the armed forces of the United States and, notwithstanding any other provision of this title, the Commissioner may promulgate such rules and regulations as necessary to define...”

• O.C.G.A. § 33-6-4(b)(1) (False advertising)

  “an advertisement, announcement, or statement containing any assertion, representation, or statement with respect to the business of insurance or with respect to any person in the conduct of his insurance business, which statement, assertion, or representation is untrue, deceptive, or misleading;”

• O.C.G.A. § 33-6-4(b)(12)(A) (False Government Association)

  “Representing that any insurer or agent is employed by or otherwise associated with any Medicare program as defined in Code Section 33-43-1 or the United States Social Security Administration or that any insurance policy sold or offered for sale has been endorsed or sponsored by the federal or state government.”

• O.C.G.A. § 33-6-4(b)(13)(B) (Guaranteed Issue Advertising)

  “Making direct response advertising by an insurer, including radio or television advertisement, of any individual or group accident and sickness or life insurance policy which is misleading in fact or by implication that the coverage is "guaranteed issue" when there are conditions to be met by those...”

• O.C.G.A. § 33-6-4(b)(8)(B) (Rebating)

  “paying, allowing, giving, or offering to pay, allow, or give directly or indirectly, as inducement to any contract of insurance, any rebate of premiums payable on the contract, any special favor or advantage in the dividends or other benefits thereon, or any valuable consideration or inducement...”

• O.C.G.A. § 33-6-4(b)(2) (Misrepresentation and inducement to lapse)

  “making any misrepresentation to any policyholder insured in any company for the purpose of inducing or tending to induce the policyholder to lapse, forfeit, or surrender his insurance.”

• O.C.G.A. § 33-6-4(b)(8)(A)(i) (Unfair Discrimination in Life Insurance)

  “Making or permitting any unfair discrimination between individuals of the same class, same policy amount, and equal expectation of life in the rates charged for any contract of life insurance or of life annuity, in the dividends or other benefits payable thereon, or in any other of the terms and...”

• O.C.G.A. § 33-6-4(b)(8)(A)(ii) (Unfair Discrimination: Accident and Sickness Insurance)

  “Making or permitting any unfair discrimination between individuals of the same class and of essentially the same hazard in the amount of premium, policy fees, or rates charged for any policy or contract of accident or sickness insurance, in the benefits payable thereunder, in any of the terms or...”

• O.C.G.A. § 33-6-4(b)(3) (Defamation)

  “Making, publishing, disseminating, or circulating directly or indirectly or aiding, abetting, or encouraging the making, publishing, disseminating, or circulating of any oral or written statement or any pamphlet, circular, article, or literature which is false or maliciously critical of or...”

• O.C.G.A. § 33-6-4(b)(5) (False Statements of Financial Condition)

  “Filing with any supervisory or other public official or making, publishing, disseminating, circulating, delivering to any person, or placing before the public or causing directly or indirectly to be made, published, disseminated, circulated, delivered to any person, or placed before the public any...”

• O.C.G.A. Sec. 33-6-33 (When claims settlement practice improper)

  “It is an improper claims settlement practice for any domestic, foreign, or alien insurer transacting business in Georgia to commit any act provided in Code Section 33-6-34 if such act: (1) Is committed flagrantly and in conscious disregard of this title or any rule or regulation promulgated...”

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More Georgia sources

• O.C.G.A. s. 33-6-4: Enumeration of unfair methods of competition and deceptive actsState statute
• O.C.G.A. Title 33, Chapter 29 - Individual Accident and Sickness Insurance (complete chapter, §§ 33-29-1 to 33-29-22)State statute
• Georgia Rules & Regulations Ch. 120-2 - Accident and Sickness Insurance: Subjects 120-2-12 (Advertising Accident and Sickness Insurance) and 120-2-59 (Standard Claim Form for Accident and Sickness Insurance)State statute
• Georgia Rules & Regulations Ch. 120-2 - Group Health Insurance: Subjects 120-2-48 (Group Coordination of Benefits) and 120-2-67 (Portability and Renewability)State statute
• Georgia Rules & Regulations Ch. 120-2, Subject 120-2-10 - Regulations Regarding Insurance Contract (Rules 120-2-10-.01 through -.14, including -.11A)State statute
• Georgia Rules & Regulations Ch. 120-2 - Life Insurance and Annuity Contract Regulation: Subjects 120-2-11 (Advertising of Life Insurance and Annuity Contracts), 120-2-22 (Georgia Variable Annuity Contract Regulation), 120-2-24 (Replacement of Life Insurance Policies), 120-2-31 (Life Insurance Solicitation Regulation), 120-2-32 (Variable Life Insurance), 120-2-94 (Suitability in Annuity Transactions)State statute
• Georgia Rules & Regulations Ch. 120-2 - Subjects 120-2-8 (Medicare Supplement Insurance) and 120-2-16 (Long Term Care Insurance), minimum standardsState statute
• O.C.G.A. Title 33 Chapter 1 - General Provisions of the Georgia Insurance Code (§§ 33-1-1 through 33-1-28, 31 sections)State statute