Michigan Insurance Code of 1956, Chapter 22

What this document is

Michigan Insurance Code of 1956, Chapter 22 - The Insurance Contract (MCL 500.2204 to 500.2266) is a state statute published by www.legislature.mi.gov. It is one of the Michigan documents that insurance license exam questions are written from, including michigan life & health, michigan property & casualty, michigan 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.

• MCL ch. 500 § 2216 (Life or Disability Insurance; Alteration of Application)

  “No alteration of any written application for any life or disability insurance policy shall be made by any person other than the applicant without his written consent, except that insertions may be made by the insurer, for administrative purposes only, in such manner as to indicate clearly that such...”

• MCL ch. 500 § 2214(1) (Disability Insurance; Application, Use as Evidence)

  “(1) An insured is not bound by a statement made in an application for a disability insurance policy unless the application is included in the policy when the policy is issued. For purposes of this subsection, an application is not included in a policy unless the policy specifically states that it...”

• MCL ch. 500 § 2226(2) (Life Insurance; Policy to Contain Entire Contract)

  “(2) Every policy of life insurance hereafter issued or delivered within this state by any life insurer doing business within this state shall contain the entire contract between the parties and nothing shall be incorporated therein by reference to any constitution, bylaws, rules, application, or...”

• MCL ch. 500 § 2218(1) (Misrepresentation; Materiality)

  “(1) No misrepresentation shall avoid any contract of insurance or defeat recovery thereunder unless the misrepresentation was material. No misrepresentation shall be deemed material unless knowledge by the insurer of the facts misrepresented would have led to a refusal by the insurer to make the contract.”

• MCL ch. 500 § 2211 (Consent of Insured)

  “(1) Any individual who has an insurable interest in the life of another human being shall not insure that other human being's life for the individual's benefit unless the human being whose life is to be insured consents to be insured in writing. That person's signature on the application for...”

• MCL 500.2213e(1) (Michigan Insurance Code of 1956, Chapter 22 - The Insurance Contract)

  “(1) An insurer that delivers, issues for delivery, or renews in this state a health insurance policy with respect to an individual, including a group to which the individual belongs or family coverage in which the individual is included, shall not rescind coverage under the policy unless both of...”

• MCL 500.2246(1) and (2)(a) (Michigan Insurance Code of 1956, Chapter 22 - The Insurance Contract)

  “(1) A life insurer that delivers, issues for delivery, or renews in this state a life insurance policy shall not rate, cancel coverage on, refuse to provide coverage for, or refuse to issue or renew a policy solely because an insured or applicant for insurance is or has been a victim of domestic...”

• MCL 500.2235 (Written notice to insured under worker's compensation insurance policy)

  “At least annually, in conjunction with a renewal notice, a bill, or other notice of payment due issued in connection with a policy of worker's compensation insurance, an insurer shall send to each insured a written notice containing all of the following statements: (a) A description of the...”

• MCL 500.2250 (Binders or other contracts for temporary insurance; applicability)

  “Binders or other contracts for temporary insurance shall be considered to include all of the terms and conditions of the policy for which application is made. This section does not apply to a life insurance policy.”

Practice this material

Questions about this source

More Michigan sources

• Michigan Administrative Code R 500.1301 to R 500.1310 - Fire and Inland Marine Insurance Rates (complete rule set, 10 rules)Regulation
• Michigan Administrative Code R 500.1351 to R 500.1359 - Workers' Compensation Insurance (complete rule set, 8 rules)Regulation
• Michigan Administrative Code R 500.1371 to R 500.1387 - Advertisement of Life Insurance and Annuities (complete rule set, 8 rules)Regulation
• Michigan Administrative Code R 500.551 to R 500.560 - Standards for Safeguarding Customer Information (complete rule set, 10 rules)Regulation
• Michigan Administrative Code R 500.651 to R 500.669 - Accident and Sickness Insurance Advertising (complete rule set, 20 rules)Regulation
• Michigan Aftermarket Crash Parts Act (Act 158 of 1991), complete Act (MCL 257.1361 to 257.1364, 4 sections)State statute
• Michigan Health Care False Claim Act (Act 323 of 1984), complete Act (MCL 752.1001 to 752.1011, 15 sections)State statute
• MCL Chapter 500, Insurance Code of 1956, Chapter 20 - Unfair and Prohibited Trade Practices and Frauds (selected Secs. 500.2003-500.2026)State statute