Regulation · Pennsylvania

Pennsylvania Requirements for Life Insurance, 31 Pa. Code Chapter 89, Subchapter B (§§ 89.41: 89.62)

Publisher: Pennsylvania Code, Insurance Department
Edition: Pennsylvania Code changes effective through 56 Pa.B. 3438
Last checked: 2026-09-02
Status: 31 Pa

Edition and licensing notes

Publisher. Pennsylvania Code, Insurance Department (pacodeandbulletin.gov)

Edition. Pennsylvania Code changes effective through 56 Pa.B. 3438 (June 6, 2026)

Status. 31 Pa.

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What this document is

Pennsylvania Requirements for Life Insurance, 31 Pa. Code Chapter 89, Subchapter B (§§ 89.41 - 89.62) is a regulation published by Pennsylvania Code, Insurance Department (pacodeandbulletin.gov). It is one of the Pennsylvania documents that insurance license exam questions are written from, including pennsylvania 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.

31 Pa. Code § 89.43 (Accidental death benefit)
“A provision for accidental death benefit may not contain a requirement that death must occur within a specific time period.”
31 Pa. Code § 89.61(e) (Group policies, general filing requirements: dependent policies)
“Dependent policies. Dependent group life is not permissible.”
31 Pa. Code § 89.41(a) (General filing requirements: incontestable clauses)
“Consequently, the hazard of engaging in military or naval services, except in time of war, and the hazard of aviation may not be made exclusions to the incontestable clause.”
31 Pa. Code § 89.42(e)(2) (Nonforfeiture value requirements: nonforfeiture benefit limitations)
“Where the nonforfeiture benefits of a policy do not apply to supplementary benefits which are built into the policy or attached by riders, the policyholder shall be so notified.”
31 Pa. Code § 89.53(d) (Policy receipt or acceptance form)
“Until the executed policy receipt or acceptance form has been received and filed in the home office of the company, no promissory note executed by the insured should be sold or otherwise transferred or assigned, and no commission on the sale should be paid to an agent.”

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