Insurance Rules

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

Instructions for viewing:
Insure that the Adobe reader is installed on your computer. You may download the Adobe Reader by clicking here and following the onscreen instructions. Once the software is installed on your machine select the series number or the icon to view.

Word documents can be downloaded into your computer and saved. Right click on the Word icon and select "Save Target As..." to save your document into the appropriate directory. You may also left click the icon and open the document within your web browser.

Current

SERIES NO.	TITLE	TYPE	NOTES
64-89B	Credentialing Verification Organization	L	Effective 7/1/12
114-01	Proxies, Consents, and Authorizations of Domestic Stock Insurers	L	Effective 6/30/66
114-02	Licensing and Conduct of Insurance Producers and Agencies	L	Effective 4/20/12
114-02A	Fingerprinting Requirements For Applicants For Insurance Producer License	L	Effective 8/1/08
114-03	Cancellation and Nonrenewal of Automobile Liability Policies	L	Effective 5/06/05
114-04	Insider Trading of Equity Securities of a Domestic Stock Insurance Company	L	Effective 4/16/68
114-05	Procedures to be Followed by Fire Rating Organizations	P	Effective 4/18/68
114-06	Credit Life Insurance, Credit Accident and Sickness Insurance, and Credit Unemployment Insurance	L	Effective 7/1/11
114-07	Premium Financing of Life Insurance for College Students	L	Effective 7/1/70
114-08	Replacement of Life Insurance Policies and Annuity Contracts	L	Effective 8/1/08
114-09	Mass Marketing of Property and Liability Insurance	L	Effective 5/15/72
114-10	Advertisement of Accident and Sickness Insurance	L	Effective 4/20/73
114-11	Advertisement of Life Insurance and Annuities	L	Effective 8/1/08
114-11A	Life Insurance Disclosures	L	Effective 8/1/08
114-11B	Suitability In Annuity Transactions	L	Effective 7/1/11
114-11C	Life Insurance Illustrations	L	Effective 8/1/08
114-11D	Variable Life Insurance	L	Effective 7/16/10
114-11E	Annuity Disclosure	L	Effective 7/23/15
114-12	Individual Accident and Sickness Insurance Minimum Standards	L	Effective 4/30/99
114-13	Rules of Practice and Procedure for Hearings before the West Virginia Insurance Commissioner	P	Effective 10/29/03
114-14	Unfair Trade Practices	L	Effective 4/24/06
114-15	Examiners and Examinations	L	Effective 7/1/08
114-16	Standards for Uniform Health Care Administration - REPEALED	L	REPEALED
114-17	Medicare Supplement Insurance Coverage - REPEALED	L	REPEALED
114-18	RESERVED	L
114-19	RESERVED	L
114-20	Surplus Lines Insurance	L	Effective 4/20/12
114-21	West Virginia Essential Property Insurance Association	L	Effective 7/1/06
114-22	Medical Malpractice Annual Reporting Requirements	L	Effective 4/4/88
114-23	Medical Malpractice Loss Experience and Loss Expense Annual Reporting Requirements	L	Effective 4/8/02
114-24	Medicare Supplement Insurance	L	Effective 4/1/20
114-25	Insurance Adjusters	L	Effective 7/1/11
114-26	Accident and Sickness Rate Filing	L	Effective 4/16/04
114-27	AIDS Regulations	L	Effective 3/27/19
114-27A	AIDS Regulations - Sunset Date – Replaced by Amendments to Series 27	I	REPEALED
114-28	Coordination of Health Benefits	L	Effective 4/14/10
114-29	Health Insurance Benefits for Temporomandibular and Craniomandibular Disorders	L	REPEALED
114-30	"Tail" Malpractice Insurance Covering Certain Medical and Allied Health Care Providers	L	Effective 4/3/03
114-31	Guaranteed Loss Ratios as Applied to Individual Sickness and Accident Insurance Policies	L	REPEALED
114-32	Long-Term Care Insurance	L	Effective 7/1/11
114-33	Individual and Employer Group Minimum Benefits Accident & Sickness Insurance Policies - REPEALED	L	REPEALED
114-34	Filing Fees for Purchasing Groups, and for Risk Retention Groups not Chartered in this State	L	Effective 4/27/94
114-35	Insurance Holding Company Systems	L	Effective 7/1/12
114-36	West Virginia Life and Health Insurance Guaranty Association Act Notice Requirements	L	VOIDED
114-37	Substandard Risk Motor Vehicle Insurance Notice Requirements	L	Effective 4/2/96
114-38	Continuation of Coverage under Automobile Liability Policies	L	Effective 4/22/94
114-39	Group Accident and Sickness Insurance Minimum Policy Coverage Standards	L	Effective 4/3/03
114-40	Credit for Reinsurance	L	Effective 4/1/20
114-41	Actuarial Opinion and Memorandum Rule	L	Effective 7/1/11
114-41A	Property and Casualty Actuarial Opinion	L	Effective 6/10/11
114-42	Continuing Education for Individual Insurance Producers	L	Effective 4/20/12
114-43	Health Maintenance Organizations	L	Effective 4/3/96
114-43A	Provider Sponsored Networks	L	Effective 5/17/13
114-44	Minimum Reserve Standards for Individual and Group Health Insurance Contracts	L	Effective 4/2/96
114-45	Recognizing Annuity Mortality Tables for Use in Determining Reserve Liabilities for Annuities	L	Effective 7/23/15
114-46	Filing Procedures for Health Maintenance Organizations	L	Effective 4/2/96
114-47	Individual Medical Savings Accounts - DISAPPROVED	L
114-48	Life and Health Reinsurance Agreements	L	Effective 5/16/97
114-49	Valuation of Life Insurance Policies - DISAPPROVED	L
114-50	Emergency Medical Services	L	Effective 5/16/97
114-51	Utilization Management - REPEALED	L	REPEALED
114-52	Diabetes Regulations	L	Effective 5/16/97
114-53	Quality Assurance	L	Effective 4/3/03
114-54	Group Accident and Sickness Insurance Issuance, Portability and Marketing Requirements	L	Effective 4/30/99
114-55	Guaranteed Issue of Individual Accident and Sickness Insurance	L	Effective 4/30/99
114-56	Quality Assurance Standards for Prepaid Limited Health Service Organizations	L	Effective 4/24/2000
114-57	Privacy of Consumer Financial and Health Information	L	Effective 4/8/02
114-58	External Review of Coverage Denials	L	REPEALED
114-59	Medical Malpractice Insurance Consent to Rate and Guide "A" Rate Agreements	L	Effective 4/3/03
114-60	Affidavits of Custodian Banks	P	Effective 8/25/02
114-61	Credit Personal Property Insurance	L	Effective 7/1/11
114-62	Standards for Safeguarding Consumer Information	L	Effective 4/3/03
114-63	Standard Motor Vehicle Policy Provisions	L	Effective 4/3/03
114-64	Mental Health Parity	L	Effective 4/14/10
114-65	Self-Insurance Pools for Political Subdivisions	L	Effective 4/19/11
114-66	Mental Health Parity Cost Containment Measures Application and Annual Reporting Requirements	P	REPEALED 4-29-08
114-67	Rate & Form Filing Abstracts	P	REPEALED 8-21-09
114-68	Valuation of Life Insurance Policies	L	Effective 7/1/11
114-69	Recognition of the 2001 CSO Mortality Table For Use In Determining Minimum Reserve Liabilities and Nonforfeiture Benefits	L	Effective 5/6/05
114-69A	Recognition of Preferred Mortality Tables For Use In Determining Minimum Reserve Liabilities	L	Effective 7/1/11
114-70	Rebates and Referrals	I	Effective 9/25/04
114-71	Insurance Fraud Prevention	L	Effective 5/6/05
114-72	Personal Private Passenger Automobile Liability Insurance and Property Insurance Withdrawal Plan Procedures	P	Effective 9/25/04
114-73	Small Employer Eligibility Requirements	L	REPEALED
114-74	Nonrenewal of Property Insurance Policies	L	Effective 4/24/06
114-75	Private Passenger Automobile and Property Insurance - Biannual Rate Filings	L	REPEALED
114-76	Rules of Practice and Procedure for Administrative Proceedings Brought by Third Party Claimants	P	Effective 4/27/06
114-77	Rate Filing Requirements For Title Insurance Companies	L	Effective 4/6/07
114-78	Individual Limited Health Benefits Plans	L	REPEALED
114-79	Group Limited Health Benefits Plans	L	REPEALED
114-80	Viatical Settlements	L	Effective 4/14/10
114-81	Procedures For Analytical Criteria and Methodology	P	REPEALED 4/20/12
114-82	Military Sales Practices	L	Effective 8/1/08
114-83	Discount Medical Plan Organizations and Discount Prescription Drug Plan Organizations	L	Effective 5/14/09
114-85	Professional Employer Organizations	L	Effective 5/10/11
114-86	Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values	L	Effective 5/14/09
114-87	Preventive Care Pilot Program	L	REPEALED
114-89	Use of Senior-Specific Certifications & Professional Designations in the Sale of Life Insurance and Annuities	L	Effective 7/1/10
114-91	Health Maintenance Organization Point Of Service Option	L	Effective 7/1/11
114-93	Mini COBRA	L	Effective 7/1/12
114-94	Workers' Compensation Insurance for State Agencies	L	Effective 4/20/12
114-95	Utilization Review and Benefit Determination	L	Effective 7/6/14
114-96	Health Plan Issuer Internal Grievance Procedure	L	Effective 7/6/14
114-97	External Review of Issuers' Adverse Health Insurance Determinations	L	Effective 7/6/14
114-98	Adoption of Valuation Manual	L	Effective 5/19/17
114-99	Pharmacy Auditing Entities and Pharmacy Benefit Managers	L	Effective 4/1/20
114A-1	All-Payer Claims Database - Data Submission Requirements	L	Effective 7/1/12
114A-2	All-Payer Claims Database - Privacy and Security Requirements	L	Effective 7/1/12

Proposed

SERIES NO.	TITLE	TYPE	NOTES
114-101	Exempt Purchasing	L	Comments being received through 2/1/2021
114-42	Continuing Education for Individual Insurance Producers and Individual Insurance Adjusters	L	Agency approved rule filed with Secretary of State on July 27, 2020
114-25	Insurance Adjusters	L	Agency Approved Modified Rule Filed with the Secretary of State September 30, 2020
114-02A	Fingerprinting Requirements for Applicants for Insurance Producer License and Insurance Adjuster License	L	Agency Approved Modified Rule Filed with the Secretary of State September 30, 2020
114-40	Credit for Reinsurance	L	Agency Approved Modified Rule Filed with the Secretary of State September 30, 2020
114-100	Health Benefit Plan Network Access and Adequacy	L	Agency Approved Modified Rule Filed with the Secretary of State November 17, 2020
114-64	Mental Health Parity	L	Agency Approved Modified Rule Filed with the Secretary of State September 30, 2020

Emergency