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Insurance Rules Index

The rules found on the Insurance Commission web site are provided as a public service only. Although this web site is updated on a regular basis, the Insurance Commission cannot guarantee the accuracy or completeness of the site’s contents and disclaims liability for errors and omissions in the contents. The official version of all Insurance Commission rules is maintained by the West Virginia Secretary of State and may be accessed through that office or through its web site. When relying upon any Insurance Commission rule, you are advised to obtain a copy of that rule from the office of the Secretary of State.

Click here to see the rules listed on the Secretary of States web site

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Current
SERIES NO.TITLETYPEWORDPDFNOTES
Series 1Proxies, Consents, and Authorizations of Domestic Stock InsurersLEffective 6/30/66
Series 2Licensing and Conduct of Individual Insurance Producers, Agencies and SolicitorsLEffective 7/1/08
Series 2AFingerprinting Requirements For Applicants For Insurance Producer LicenseLEffective 8/1/08
Series 3Cancellation and Nonrenewal of Automobile Liability PoliciesLEffective 5/06/05
Series 4Insider Trading of Equity Securities of a Domestic Stock Insurance CompanyLEffective 4/16/68
Series 5Procedures to be Followed by Fire Rating OrganizationsPEffective 4/18/68
Series 6Regulation of Credit Life Insurance and Credit Accident and Sickness InsuranceLEffective 4/13/95
Series 7Premium Financing of Life Insurance for College StudentsLEffective 7/1/70
Series 8Replacement of Life Insurance Policies and Annuity ContractsLEffective 8/1/08
Series 9Mass Marketing of Property and Liability InsuranceLEffective 5/15/72
Series 10Advertisement of Accident and Sickness InsuranceLEffective 4/20/73
Series 11Advertisement of Life Insurance and AnnuitiesLEffective 8/1/08
Series 11ALife Insurance DisclosuresLEffective 8/1/08
Series 11BSuitability In Annuity TransactionsL Effective 8/1/08
Series 11CLife Insurance IllustrationsLEffective 8/1/08
Series 11DVariable Life InsuranceL Effective 7/16/10
Series 11EAnnuity DisclosureL Effective 7/16/10
Series 12Individual Accident and Sickness Insurance Minimum StandardsLEffective 4/30/99
Series 13Rules of Practice and Procedure for Hearings before the West Virginia Insurance CommissionerPEffective 10/29/03
Series 14Unfair Trade PracticesLEffective 4/24/06
Series 15Examiners and ExaminationsLEffective 7/1/08
Series 16Standards for Uniform Health Care Administration - REPEALEDL  REPEALED
Series 17Medicare Supplement Insurance CoverageLEffective 12/28/81
Series 18RESERVEDL   
Series 19RESERVEDL   
Series 20Surplus Lines InsuranceLEffective 5/6/05
Series 21West Virginia Essential Property Insurance AssociationLEffective 7/1/06
Series 22Medical Malpractice Annual Reporting RequirementsLEffective 4/4/88
Series 23Medical Malpractice Loss Experience and Loss Expense Annual Reporting RequirementsLEffective 4/8/02
Series 24Medicare Supplement InsuranceL Effective 4/14/10
Series 25Insurance AdjustersLEffective 4/19/90
Series 26Accident and Sickness Rate FilingLEffective 4/16/04
Series 27AIDS RegulationsLEffective 4/3/03
Series 27AAIDS Regulations - Sunset Date – Replaced by Amendments to Series 27IEffective 9/1/02
Series 28Coordination of Health BenefitsL Effective 4/14/10
Series 29Health Insurance Benefits for Temporomandibular and Craniomandibular DisordersLEffective 5/31/91
Series 30"Tail" Malpractice Insurance Covering Certain Medical and Allied Health Care ProvidersLEffective 4/3/03
Series 31Guaranteed Loss Ratios as Applied to Individual Sickness and Accident Insurance PoliciesLEffective 4/29/08
Series 32Long-Term Care InsuranceL Effective 7/1/09
Series 33Individual and Employer Group Minimum Benefits Accident & Sickness Insurance Policies - REPEALEDL  REPEALED
Series 34Filing Fees for Purchasing Groups, and for Risk Retention Groups not Chartered in this StateLEffective 4/27/94
Series 35Insurance Holding Company Systems Reporting FormsLEffective 4/13/94
Series 36West Virginia Life and Health Insurance Guaranty Association Act Notice RequirementsL Effective 4/14/10
Series 37Substandard Risk Motor Vehicle Insurance Notice RequirementsLEffective 4/2/96
Series 38Continuation of Coverage under Automobile Liability PoliciesLEffective 4/22/94
Series 39Group Accident and Sickness Insurance Minimum Policy Coverage StandardsLEffective 4/3/03
Series 40Credit for ReinsuranceLEffective 4/16/04
Series 41Actuarial Opinion and Memorandum RuleL Effective 5/14/09
Series 42Continuing Education for Insurance ProducersL Effective 5/14/09
Series 43Health Maintenance OrganizationsLEffective 4/3/96
Series 44Minimum Reserve Standards for Individual and Group Health Insurance ContractsLEffective 4/2/96
Series 45Recognizing Annuity Mortality Tables for Use in Determining Reserve Liabilities for AnnuitiesLEffective 5/7/99
Series 46Filing Procedures for Health Maintenance OrganizationsLEffective 4/2/96
Series 47Individual Medical Savings Accounts - DISAPPROVEDL   
Series 48Life and Health Reinsurance AgreementsLEffective 5/16/97
Series 49Valuation of Life Insurance Policies - DISAPPROVEDL   
Series 50Emergency Medical ServicesLEffective 5/16/97
Series 51Utilization ManagementLEffective 5/16/97
Series 52Diabetes RegulationsLEffective 5/16/97
Series 53Quality AssuranceLEffective 4/3/03
Series 54Group Accident and Sickness Insurance Issuance, Portability and Marketing RequirementsLEffective 4/30/99
Series 55Guaranteed Issue of Individual Accident and Sickness InsuranceLEffective 4/30/99
Series 56Quality Assurance Standards for Prepaid Limited Health Service OrganizationsLEffective 4/24/2000
Series 57Privacy of Consumer Financial and Health InformationLEffective 4/8/02
Series 58External Review of Coverage DenialsLEffective 7/1/02
Series 59Medical Malpractice Insurance Consent to Rate and Guide "A" Rate AgreementsLEffective 4/3/03
Series 60Affidavits of Custodian BanksPEffective 8/25/02
Series 61Credit Personal Property InsuranceLEffective 7/31/03
Series 62Standards for safeguarding consumer informationLEffective 4/3/03
Series 63Standard Motor Vehicle Policy ProvisionsLEffective 4/3/03
Series 64Mental Health ParityL Effective 4/14/10
Series 65Self-Insurance pools for political subdivisionsLEffective 4/16/04
Series 66Mental Health Parity Cost Containment Measures Application and Annual Reporting Requirements P REPEALED 4-29-08
Series 67Rate & Form Filing AbstractsP  REPEALED 8-21-09
Series 68Valuation of Life Insurance PoliciesLEffective 5/6/05 (SEE APPENDIX A - "SELECT MORTALITY FACTORS" TABLE BELOW)
Series 68AValuation of Life Insurance Policies - Appendix A "Select Mortality Factors" TableL 
Series 69Recognition of the 2001 CSO Mortality Table For Use In Determining Minimum Reserve Liabilities and Nonforfeiture BenefitsLEffective 5/6/05
Series 69ARecognition of Preferred Mortality Tables For Use In Determining Minimum Reserve LiabilitiesLEffective 4/29/08
Series 70Rebates and ReferralsIEffective 9/25/04
Series 71Insurance Fraud PreventionLEffective 5/6/05
Series 72Personal Private Passenger Automobile Liability Insurance and Property Insurance Withdrawal Plan ProceduresPEffective 9/25/04
Series 73Small Employer Eligibility RequirementsLEffective 5/6/05
Series 74Nonrenewal of Property Insurance PoliciesLEffective 4/24/06
Series 75Private Passenger Automobile and Property Insurance - Biannual Rate FilingsLEffective 4/24/06
Series 76Rules of Practice and Procedure for Administrative Proceedings Brought by Third Party ClaimantsPEffective 4/27/06
Series 77Rate Filing Requirements For Title Insurance CompaniesLEffective 4/6/07
Series 78Individual Limited Health Benefits PlansLEffective 4/6/07
Series 79Group Limited Health Benefits PlansLEffective 4/6/07
Series 80Viatical SettlementsL Effective 4/14/10
Series 81Procedures For Analytical Criteria and MethodologyPEffective 1/7/07
Series 82Military Sales PracticesLEffective 8/1/08
Series 83Discount Medical Plan Organizations and Discount Prescription Drug Plan OrganizationsL Effective 5/14/09
Series 85Professional Employer OrganizationsL Effective 5/14/09
Series 85Professional Employer OrganizationsE Effective 7/23/10
Series 86Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture ValuesL Effective 5/14/09
Series 87Preventive Care Pilot ProgramL Effective 4/14/10.
Series 89Use of Senior-Specific Certifications & Professional Designations in the Sale of Life Insurance and AnnuitiesL Effective 7/1/10
Proposed
SERIES NO.TITLETYPEWORDPDFNOTES
Series 6Credit Life Insurance, Credit Accident and Sickness Insurance, and Credit Unemployment InsuranceL Agency Approved rule filed with SOS & LRMRC on 7/27/10
Series 11BSuitability In Annuity TransactionsL Agency Approved rule filed with SOS & LRMRC on 7/29/10
Series 25Insurance AdjustersL Agency Approved rule filed with SOS & LRMRC on 7/27/10
Series 32Long Term Care InsuranceL Agency Approved rule filed with SOS & LRMRC on 7/29/10
Series 41Actuarial Opinion and Memorandum RuleL Agency Approved rule filed with SOS & LRMRC on 7/27/10
Series 41AProperty and Casualty Actuarial OpinionL Agency Approved rule filed with SOS & LRMRC on 7/27/10
Series 61Credit Personal PropertyL Agency Approved rule filed with SOS & LRMRC on 7/27/10
Series 65Self-Insurance Pools for Political SubdivisionsL Agency Approved rule filed with SOS & LRMRC on 7/27/10
Series 68Valuation of Life Insurance PoliciesL Agency Approved rule filed with SOS & LRMRC on 7/27/10
Series 69ARecognition of Preferred Mortality Tables For Use In Determining Minimum Reserve LiabilitiesL Agency Approved rule filed with SOS & LRMRC on 7/27/10
Series 85Professional Employer OrganizationsL Agency Approved rule filed with SOS & LRMRC on 7/27/10
Series 91Health Maintenance Organization Point of Service OptionL Agency Approved rule filed with SOS & LRMRC on 7/27/10
Emergency
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