Louisiana Life and Health Insurance Guaranty Association Law (La. R.S. 22:2081 through 22:2099)

What this document is

Louisiana Life and Health Insurance Guaranty Association Law (La. R.S. 22:2081 through 22:2099) 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 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. tit. 22 § 2083(B)(2) (Coverages and limitations: exclusions)

  “(2) Except as otherwise provided in Paragraph (3) of this Subsection, this Part shall not provide coverage for any of the following: (a) Any portion of a policy or contract not guaranteed by the member insurer, or under which the risk is borne by the policy or contract holder. (b) Any policy or...”

• La. R.S. tit. 22 § 2083(A)(2) (Coverages and limitations: persons covered)

  “(2) To any person who is the owner of or certificate holder or enrollee under such a policy or contract, other than a structured settlement annuity, and who is either: (a) A resident. (b) Not a resident, but only if all of the following conditions are satisfied: (i) The member insurer which issued...”

• La. R.S. tit. 22 § 2098(D) (Notice that a policy is not covered by the association)

  “D. No insurer or agent may deliver a policy or contract described in R.S. 22:2083(B)(1) and excluded by R.S. 22:2083(B)(2) from coverage under this Part unless the insurer or agent, prior to or at the time of delivery gives the policy or contract holder a separate written notice which clearly and...”

• La. R.S. tit. 22 § 2098(A) (Prohibited advertisement of the guaranty association in insurance sales)

  “A. No person, including a member insurer, agent, or affiliate of a member insurer shall make, publish, disseminate, circulate, or place before the public, or cause directly or indirectly, to be made, published, disseminated, circulated, or placed before the public, in any newspaper, magazine, or...”

• La. R.S. tit. 22 § 2087(C)(4) (Powers and duties of the association: substitute coverage)

  “(4)(a) In providing the substitute coverage required pursuant to Paragraph (3) of this Subsection, the association may offer either to reissue the terminated coverage or to issue an alternative policy or contract at actuarially justified rates, subject to the prior approval of the commissioner. (b)...”

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More Louisiana sources

• La. R.S. 22:1964: Methods, acts, and practices defined as unfair or deceptiveState statute
• La. R.S. Title 22, insurance contract and standard policy provisions: 22:861, 862, 863, 865, 866, 867, 884, 931, 942, 951 and 977State statute
• Louisiana Insurance Code - Group, Family Group, Blanket and Association Health and Accident Insurance (La. R.S. 22:978, 1000, 1003, 1003.1, 1024, 1025, 1045, 1046, 1061-1071)State statute
• Louisiana Insurance Code - Group Life Insurance (La. R.S. 22:941 through 22:945)State statute
• Louisiana Insurance Code - Health and Accident Insurance Policy Provisions (La. R.S. 22:971 through 22:995)State statute
• Louisiana Insurance Code - The Insurance Contract; Provisions Applicable to All Insurers (La. R.S. 22:851 through 22:890)State statute
• Louisiana Insurance Code - Life Insurance Policies and Annuity Contracts (La. R.S. 22:901-919, 22:931-936, 22:951-961)State statute
• Louisiana Insurance Code - Medicare Supplement Minimum Standards and Long-Term Care Insurance (La. R.S. 22:1111, 22:1112, and 22:1181 through 22:1191)State statute