Delaware Administrative Code
Title 18 - Insurance
100 - Department of Insurance
101 - Organization, Methods and Operations of the Delaware Insurance Commission [Formerly Regulation 25]
Section 101-4.0 - Policy Forms
Universal Citation: 18 DE Admin Code 101-4.0
Current through Register Vol. 28, No. 3, September 1, 2024
4.1 The Commissioner:
4.1.1 Is charged with the responsibility of disapproving policy forms or withdrawing any approval previously granted by him if he finds that such policies do not meet the requirements of the Insurance Code.
4.1.2 No basic insurance policy, annuity contract form, printed rider, endorsement form or form of renewal certificate, shall be delivered, or issued for delivery in this State, unless the form has been filed with the Commissioner.
4.1.3 All forms will be reviewed to determine that:
4.1.3.1 Coverage is not unduly restrictive;
4.1.3.2 Wording is not ambiguous;
4.1.3.3 Coverage is not contrary to public policy;
4.1.3.4 Coverage bears some relationship to the premium charged; and
4.1.3.5 The contract covers a legitimate insurable interest.
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