Missouri Revised Statutes Chapter 376, second third

What this document is

Missouri Revised Statutes Chapter 376, second third (Secs. 376.451-376.930) is a state statute published by Missouri Revisor of Statutes (revisor.mo.gov). It is one of the Missouri documents that insurance license exam questions are written from, including missouri 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.

• Mo. Rev. Stat. Chapter 376 § 376.708.2 (Agent Identification Before a Life Sales Presentation)

  “An agent shall inform the prospective purchaser, prior to commencing a life insurance sales presentation, that he is acting as a life insurance agent and inform the prospective purchaser of the full name of the insurance company which he is representing to the buyer.”

• Mo. Rev. Stat. Chapter 376 § 376.465 (Missouri Health Insurance Rate Transparency Act)

  “Within thirty days after receiving written notice of the director's determination that the proposed rates are unreasonable, as described under subsection 10 of this section, a health carrier may amend its rates, request reconsideration based upon additional information, or implement the proposed rates.”

• Mo. Rev. Stat. Chapter 376 § 376.670.2(2) (Required Nonforfeiture Provisions in Life Insurance Policies)

  “That, upon surrender of the policy within sixty days after the due date of any premium payment in default after premiums have been paid for at least three full years in the case of ordinary insurance or five full years in the case of industrial insurance, the company will pay, in lieu of any...”

• Mo. Rev. Stat. Chapter 376 § 376.531.1 (Consent of Insured Required for Life Insurance)

  “No life insurance contract upon an individual, except a contract of group life insurance, shall be made or effectuated unless at the time of the making of the contract the individual insured, being competent and of legal capacity to contract, applies therefor or has consented thereto in writing,...”

• Mo. Rev. Stat. Chapter 376 § 376.691(2)(d) (Group Life - Creditor Groups, Amount of Insurance)

  “The amount of the insurance on the life of any debtor shall at no time exceed the scheduled amount of indebtedness to the creditor;”

• Mo. Rev. Stat. Chapter 376 § 376.670.4 (Deferral of Cash Surrender Value Payment)

  “The company shall reserve the right to defer the payment of any cash surrender value for a period of six months after demand therefor with surrender of the policy.”

• Mo. Rev. Stat. Chapter 376 § 376.710 (Effect of Omission: Buyer's Guide and Policy Summary)

  “Deliberate failure of an insurer to provide or deliver a buyer's guide, or a policy summary as provided in section 376.706 shall constitute an omission which misrepresents the benefits, advantages, conditions or terms of an insurance policy, and an agent's license may be revoked or suspended by the...”

• Mo. Rev. Stat. Chapter 376 § 376.451 (Standards Prohibiting Discrimination)

  “(1) A health insurance issuer offering group health insurance coverage shall not establish rules for eligibility, including continued eligibility, of any individual to enroll under the terms of the group health plan based on any of the following health status-related factors of the individual or a...”

• Mo. Rev. Stat. Chapter 376 § 376.699 (Group Life - Notice of Right to an Individual Policy)

  “If any individual insured under a group life insurance policy hereafter delivered in this state becomes entitled under the terms of such policy to have an individual policy of life insurance issued without evidence of insurability, subject to the making of an application and paying the first...”

• Mo. Rev. Stat. Chapter 376 § 376.697(1) (Required Provisions for Group Life Policies - Grace Period)

  “A provision stating that the policyholder is entitled to a grace period of thirty-one days for the payment of any premium due except the first, during which grace period the death benefit coverage shall continue in force, unless the policyholder shall have given the insurer written notice of...”

• Mo. Rev. Stat. Chapter 376 § 376.454 (Individual Market, Renewal or Continuation at Option of Individual)

  “A health insurance issuer may nonrenew or discontinue health insurance coverage of an individual in the individual market based only on one or more of the following: (1) The individual has failed to pay premiums or contributions in accordance with the terms of the health insurance coverage or the...”

• Mo. Rev. Stat. Chapter 376 § 376.502 (Life Insurers Not to Discriminate Based on Lawful Travel Destinations)

  “No life insurance company doing business within this state shall deny or refuse to accept an application for life insurance, refuse to renew, cancel, restrict, or otherwise terminate a policy of life insurance, or charge a different rate for the same life insurance coverage, based upon the...”

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More Missouri sources

• Missouri Rev. Stat. s. 375.014 - License required to act as insurance producerState statute
• Missouri Rev. Stat. s. 375.018 - Nonresident licenseState statute
• Missouri Rev. Stat. s. 375.141 - Grounds for license disciplineState statute
• Missouri Rev. Stat. s. 375.144 - Prohibited acts; misrepresentation and fraudState statute
• Missouri Rev. Stat. s. 375.936 - Unfair trade practices definedState statute
• Missouri Revised Statutes Chapter 375 - Provisions Applicable to All Insurance Companies, first third (Secs. 375.001-375.610)State statute
• Missouri Revised Statutes Chapter 375, second third (Secs. 375.620-375.1140)State statute
• Missouri Revised Statutes Chapter 375, final third (Secs. 375.1150-375.1803)State statute