State statute · Louisiana

La. R.S. Title 22, insurance contract and standard policy provisions

22:861, 862, 863, 865, 866, 867, 884, 931, 942, 951 and 977

Publisher: Louisiana State Legislature
Edition: 2025 Louisiana Revised Statutes
Last checked: 2026-09-08
Status: US state statute

Edition and licensing notes

Publisher. Louisiana State Legislature (legis.la.gov)

Status. US state statute; public domain.

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What this document is

La. R.S. Title 22, insurance contract and standard policy provisions: 22:861, 862, 863, 865, 866, 867, 884, 931, 942, 951 and 977 is a state statute published by Louisiana State Legislature (legis.la.gov). It is one of the Louisiana documents that insurance license exam questions are written from, including louisiana life & health, louisiana property & casualty 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.

La. R.S. § 22:951(A)(1) (Annuity Grace Period)
“Grace period: A provision that there shall be a period of grace, either of thirty days or of one month, within which any stipulated payment to the insurer falling due after the first may be made, during which period of grace the contract shall continue in full force; but if a claim arises under the...”
La. R.S. § 22:951(A)(2) (Annuity Incontestability)
“Incontestability: If any statements, other than those relating to age, sex, and identity, are required as a condition of issuing the contract, a provision that the contract shall be incontestable after it has been in force during the lifetime of the person or each of the persons as to whom such...”
La. R.S. § 22:866 (Articles of Incorporation; Bylaw Provisions)
“No policy shall contain any provision purporting to make any portion of the articles of incorporation, bylaws, or other constituent document of the insurer a part of the contract unless such portion is set forth in full in the policy. Any policy provision in violation of this Section shall be invalid.”
La. R.S. § 22:863(A) (Standard Provisions - Waiver by the Commissioner)
“The commissioner of insurance may waive the required use of a particular standard provision other than the provisions required in Subpart C of Part IV of this Chapter in a particular insurance contract form if both of the following apply: (1) The commissioner finds such provision unnecessary for...”
La. R.S. § 22:951(A) (Annuities and Pure Endowment Contracts; Standard Provisions)
“No annuity or pure endowment contract except a reversionary annuity otherwise called a survivorship annuity and except a group annuity contract shall be delivered or issued for delivery in this state unless it contains in substance the following provision or provisions which in the opinion of the...”
La. R.S. § 22:862 (Grounds for Disapproval)
“The commissioner of insurance shall disapprove any such form of policy, application, rider, or endorsement, or withdraw any previous approval thereof, only: (1) If it is in any respect in violation of or does not comply with law. (2) If it does not comply with any controlling filing previously made...”
La. R.S. § 22:861(B) (Approval of Forms, Filing and Deemer Period)
“Every such filing shall be made not less than forty-five days in advance of any such issuance, delivery, or use. At the expiration of forty-five days, the form so filed shall be deemed approved unless prior thereto it has been affirmatively approved or disapproved by order of the commissioner of...”
La. R.S. § 22:931(A)(1) (Grace Period)
“A provision that the insured is entitled to a grace period either of thirty days or, at the option of the insurer, of one month within which the payment of any premium after the first may be made, during which period of grace the policy shall continue in full force, but if a claim arises under the...”
La. R.S. § 22:942(1) (Group Life Standard Provisions - The Contract)
“A provision that a copy of the application, if any, of the policyholder shall be attached to the policy when issued, that all statements made by the policyholder or by the persons insured shall be deemed representations and not warranties, and that no statement made by any person insured shall be...”
La. R.S. § 22:942(3) (Group Life Standard Provisions - Grace Period)
“A provision that the policyholder is entitled to a grace period either of thirty days or one month within which the payment of any premium after the first may be made during which period of grace the death benefit coverage shall continue in force, unless the policyholder has given the insurer...”
La. R.S. § 22:942(2) (Group Life Standard Provisions - Incontestability)
“A provision that the validity of the policy shall not be contested, except for nonpayment of premiums, after it has been in force for two years from its date of issue and that no statement made by an individual insured under the policy relating to his insurability shall be used in contesting the...”
La. R.S. § 22:977(A) (Grace Period; Individual, Group, Family Group, Blanket, and Association Health and Accident Policies)
“Every insurer, including a trust subject to the provisions of R.S. 22:401 et seq., issuing a policy of individual, group, family group, blanket, or association health and accident insurance shall include in such policy a provision providing the policyholder a grace period of thirty days from the...”

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