Unfair and deceptive acts or practices in the business of insurance

What this document is

Ohio Rev. Code § 3901.21 - Unfair and deceptive acts or practices in the business of insurance (complete section) is a state statute published by Ohio Legislative Service Commission (codes.ohio.gov). It is one of the Ohio documents that insurance license exam questions are written from, including ohio life & health, ohio property & casualty, ohio 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.

• Ohio Rev. Code s. 3901.21(C) (Defamation of an Insurer)

  “any statement, pamphlet, circular, article, or literature, which is false as to the financial condition of an insurer and which is calculated to injure any person engaged in the business of insurance.”

• Ohio Rev. Code § 3901.21(N) (Disability Income for Household Manager)

  “Refusing to make available disability income insurance solely because the applicant's principal occupation is that of managing a household.”

• Ohio Rev. Code § 3901.21(Q) (Discrimination Based on Blindness)

  “(Q) Refusing to insure, or refusing to continue to insure, or limiting the amount, extent, or kind of life or sickness and accident insurance or annuity coverage available to an individual, or charging an individual a different rate for the same coverage solely because of blindness or partial...”

• Ohio Rev. Code s. 3901.21(B) (False Advertising)

  “an advertisement, announcement, or statement containing any assertion, representation, or statement, with respect to the business of insurance or with respect to any person in the conduct of the person's insurance business, which is untrue, deceptive, or misleading.”

• Ohio Rev. Code s. 3901.21(A) (Misrepresentation and Incomplete Comparison)

  “making any misrepresentation or incomplete comparison to any person for the purpose of inducing or tending to induce such person to purchase, amend, lapse, forfeit, change, or surrender insurance.”

• Ohio Rev. Code § 3901.21(L) (Refusal Based on Sex or Marital Status)

  “Refusing to issue any policy of insurance, or canceling or declining to renew such policy because of the sex or marital status of the applicant, prospective insured, insured, or policyholder.”

• Ohio Rev. Code § 3901.21(M) (Unfair Discrimination: Accident and Health)

  “Making or permitting any unfair discrimination between individuals of the same class and of essentially the same hazard in the amount of premium, policy fees, or rates charged for any policy or contract of insurance, other than life insurance, or in the benefits payable thereunder, or in...”

• Ohio Rev. Code § 3901.21(F) (Unfair Discrimination: Life Insurance)

  “making or permitting any unfair discrimination among individuals of the same class and equal expectation of life in the rates charged for any contract of life insurance or of life annuity or in the dividends or other benefits payable thereon, or in any other of the terms and conditions of such contract.”

• Ohio Rev. Code § 3901.21(A) (Unfair and Deceptive Acts)

  “using any name or title of any policy or class of policies misrepresenting the true nature thereof, or making any misrepresentation or incomplete comparison to any person for the purpose of inducing or tending to induce such person to purchase, amend, lapse, forfeit, change, or surrender insurance.”

• Ohio Rev. Code § 3901.21(A) (Unfair and Deceptive Acts, Legal Reserve System)

  “making any misleading representation or any misrepresentation as to the financial condition of any insurer as shown by the last preceding verified statement made by it to the insurance department of this state, or as to the legal reserve system upon which any life insurer operates, or using any...”

• Ohio Rev. Code § 3901.21(A) (Unfair and Deceptive Acts, Financial Condition)

  “making any misleading representation or any misrepresentation as to the financial condition of any insurer as shown by the last preceding verified statement made by it to the insurance department of this state, or as to the legal reserve system upon which any life insurer operates, or using any...”

• Ohio Rev. Code § 3901.21(M) (Unfair discrimination other than life insurance)

  “(M) Making or permitting any unfair discrimination between individuals of the same class and of essentially the same hazard in the amount of premium, policy fees, or rates charged for any policy or contract of insurance, other than life insurance, or in the benefits payable thereunder, or in...”

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