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Passive unfair claim practices
Coverage must be affirmed are the night with an original. Of time at the receipt of proof of loss selling to probably a knowledge communications related to a claim settle a claim in in which the insurer liability has to come reasonably clear are promptly give an explanation for the denial of claim all constitute passive unfair claim practices
The department may deny application for license for
The department may deny a license application or discipline license holder if they misappropriate or convert funds for their own use or illegally withhold money each licensee or agent must notify the department on a monthly basis of a change in mailing address agent must notify the department within 30 days after moving from one state to another state
The cost recovery rule states
The excess value over premium pay is considered taxable income when withdrawn if the policy owner does surrender or withdraw funds from the policy the difference between what is received and what has been paid in generally taxed as ordinary income this is the cost recovery rule
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