State statute · Idaho

Disability Insurance Policies, the Uniform Disability Policy Provision Law

Idaho Code Title 41, Chapter 21, Secs. 41-2101 to 41-2131

Publisher: Idaho Legislature
Edition: 2025 Idaho Code
Last checked: 2026-09-08
Status: US state statute

Edition and licensing notes

Publisher. Idaho Legislature (legislature.idaho.gov)

Status. US state statute; public domain.

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What this document is

Idaho Code Title 41, Chapter 21 - Disability Insurance Policies, the Uniform Disability Policy Provision Law (Secs. 41-2101 to 41-2131) is a state statute published by Idaho Legislature (legislature.idaho.gov). It is one of the Idaho documents that insurance license exam questions are written from, including idaho 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.

Idaho Code § 41-2116(1) (Change of Beneficiary)
“Change of Beneficiary: Unless the insured makes an irrevocable designation of beneficiary, the right to change the beneficiary is reserved to the insured and the consent of the beneficiary or beneficiaries shall not be requisite to surrender or assignment of this policy or to any change of...”
Idaho Code § 41-2118 (Change of Occupation)
“If the insured changes his occupation to one classified by the insurer as less hazardous than that stated in this policy, the insurer, upon receipt of proof of such change of occupation, will reduce the premium rate accordingly, and will return the excess pro rata unearned premium from the date of...”
Idaho Code § 41-2101 (Scope of Chapter)
“Nothing in this chapter shall apply to or affect: (1) Any policy of liability or workmen’s compensation insurance with or without supplementary expense coverage therein. (2) Any group or blanket policy.”
Idaho Code § 41-2102 (Short Title)
“This chapter may be cited as the "uniform disability policy provision law."”
Idaho Code § 41-2110 (Claim Forms, effect of failure to furnish)
“The insurer, upon receipt of a notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within fifteen days after the giving of such notice the claimant shall be deemed to have complied with the requirements...”
Idaho Code § 41-2113(1) (Payment of Claims)
“Payment of Claims: Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the time of payment. If no such designation or provision is then effective, such indemnity shall be...”
Idaho Code § 41-2105 (Entire Contract, Changes)
“No change in this policy shall be valid until approved by an executive officer of the insurer and unless such approval be endorsed hereon or attached hereto. No agent has authority to change this policy or to waive any of its provisions.”
Idaho Code § 41-2131(1) (Requirements of Other Jurisdictions)
“Any policy of a foreign or alien insurer, when delivered or issued for delivery to any person in this state, may contain any provision which is not less favorable to the insured or the beneficiary than the provisions of this chapter and which is prescribed or required by the law of the state or...”
Idaho Code § 41-2106(1)(a) (Time Limit on Certain Defenses)
“After two (2) years from the date of issue of this policy, no misstatements, except fraudulent misstatements, made by the applicant in the application for such policy shall be used to void the policy or to deny a claim for loss incurred or disability, as defined in the policy, commencing after the...”
Idaho Code § 41-2107 (Grace Period)
“There shall be a provision as follows: "Grace Period: A grace period of….(insert a number not less than '7' for weekly premium policies, '10' for monthly premium policies and '31' for all other policies) days will be granted for the payment of each premium falling due after the first premium,...”
Idaho Code § 41-2106(4) (Incontestable: Alternative Provision)
“After this policy has been in force for a period of two (2) years during the lifetime of the insured (excluding any period during which the insured is disabled), it shall become incontestable as to any statements, other than fraudulent statements, contained in the application.”
Idaho Code § 41-2127 (Intoxicants and Narcotics)
“"Intoxicants and Narcotics: The insurer shall not be liable for any loss sustained or contracted in consequence of the insured’s being intoxicated or under the influence of any narcotic unless administered on the advice of a physician."”

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