Offices of the Insurance Commissioner
Allan L. McVey
Insurance Commissioner
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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64-89B Credentialing Verification OrganizationL Effective 7/1/12
114-01Proxies, Consents, and Authorizations of Domestic Stock InsurersLEffective 6/30/66
114-02Licensing and Conduct of Insurance Producers and AgenciesL Effective 4/20/12
114-02AFingerprinting Requirements for Applicants for Insurance Producer License and Insurance Adjuster LicenseL Effective 7/1/21
114-03Cancellation and Nonrenewal of Automobile Liability PoliciesLEffective 5/6/05
114-04Insider Trading of Equity Securities of a Domestic Stock Insurance CompanyLEffective 4/16/68
114-05Procedures to be Followed by Fire Rating OrganizationsPEffective 4/18/68
114-06Credit Life Insurance, Credit Accident and Sickness Insurance, and Credit Unemployment InsuranceL Effective 7/1/11
114-07Premium Financing of Life Insurance for College StudentsLEffective 7/1/70
114-08Replacement of Life Insurance Policies and Annuity ContractsLEffective 8/1/08
114-09Mass Marketing of Property and Liability InsuranceLEffective 5/15/72
114-10Advertisement of Accident and Sickness InsuranceLEffective 4/20/73
114-11Advertisement of Life Insurance and AnnuitiesLEffective 8/1/08
114-11ALife Insurance DisclosuresLEffective 8/1/08
114-11BSuitability In Annuity TransactionsL Effective 7/1/11
114-11CLife Insurance IllustrationsLEffective 8/1/08
114-11DVariable Life InsuranceL Effective 7/16/10
114-11EAnnuity DisclosureL Effective 7/23/15
114-12Individual Accident and Sickness Insurance Minimum StandardsLEffective 4/30/99
114-13Rules of Practice and Procedure for Hearings before the West Virginia Insurance CommissionerPEffective 10/29/03
114-14Unfair Trade PracticesLEffective 4/24/06
114-15Examiners and ExaminationsLEffective 7/1/08
114-16Standards for Uniform Health Care Administration - REPEALEDL  REPEALED
114-17Medicare Supplement Insurance Coverage - REPEALEDL  REPEALED
114-20Surplus Lines InsuranceL Effective 4/20/12
114-21West Virginia Essential Property Insurance AssociationLEffective 7/1/06
114-22Medical Malpractice Annual Reporting RequirementsLEffective 4/4/88
114-23Medical Malpractice Loss Experience and Loss Expense Annual Reporting RequirementsLEffective 4/8/02
114-24Medicare Supplement InsuranceL Effective 4/1/20
114-25Insurance AdjustersL Effective 7/1/21
114-26Accident and Sickness Rate FilingLEffective 4/16/04
114-27AIDS RegulationsL Effective 3/27/19
114-27AAIDS Regulations - Sunset Date – Replaced by Amendments to Series 27I  REPEALED
114-28Coordination of Health BenefitsL Effective 4/14/10
114-29Health Insurance Benefits for Temporomandibular and Craniomandibular DisordersL  REPEALED
114-30"Tail" Malpractice Insurance Covering Certain Medical and Allied Health Care ProvidersLEffective 4/3/03
114-31Guaranteed Loss Ratios as Applied to Individual Sickness and Accident Insurance PoliciesL  REPEALED
114-32Long-Term Care InsuranceL Effective 7/1/11
114-33Individual and Employer Group Minimum Benefits Accident & Sickness Insurance Policies - REPEALEDL  REPEALED
114-34Filing Fees for Purchasing Groups, and for Risk Retention Groups not Chartered in this StateLEffective 4/27/94
114-35Insurance Holding Company SystemsL Effective 7/1/12
114-36West Virginia Life and Health Insurance Guaranty Association Act Notice RequirementsL  VOIDED
114-37Substandard Risk Motor Vehicle Insurance Notice RequirementsLEffective 4/2/96
114-38Continuation of Coverage under Automobile Liability PoliciesLEffective 4/22/94
114-39Group Accident and Sickness Insurance Minimum Policy Coverage StandardsLEffective 4/3/03
114-40Credit for ReinsuranceL Effective 7/1/21
114-41Actuarial Opinion and Memorandum RuleL Effective 7/1/11
114-41AProperty and Casualty Actuarial OpinionL Effective 6/10/11
114-42Continuing Education for Individual Insurance ProducersL Effective 7/1/21
114-43Health Maintenance OrganizationsLEffective 4/3/96
114-43AProvider Sponsored NetworksL Effective 5/17/13
114-44Minimum Reserve Standards for Individual and Group Health Insurance ContractsLEffective 4/2/96
114-45Recognizing Annuity Mortality Tables for Use in Determining Reserve Liabilities for AnnuitiesL Effective 7/23/15
114-46Filing Procedures for Health Maintenance OrganizationsLEffective 4/2/96
114-47Individual Medical Savings Accounts - DISAPPROVEDL   
114-48Life and Health Reinsurance AgreementsLEffective 5/16/97
114-49Valuation of Life Insurance Policies - DISAPPROVEDL   
114-50Emergency Medical ServicesLEffective 5/16/97
114-51Utilization Management - REPEALEDL  REPEALED
114-52Diabetes RegulationsLEffective 5/16/97
114-53Quality AssuranceLEffective 4/3/03
114-54Group Accident and Sickness Insurance Issuance, Portability and Marketing RequirementsLEffective 4/30/99
114-55Guaranteed Issue of Individual Accident and Sickness InsuranceLEffective 4/30/99
114-56Quality Assurance Standards for Prepaid Limited Health Service OrganizationsLEffective 4/24/00
114-57Privacy of Consumer Financial and Health InformationLEffective 4/8/02
114-58External Review of Coverage DenialsL  REPEALED
114-59Medical Malpractice Insurance Consent to Rate and Guide "A" Rate AgreementsLEffective 4/3/03
114-60Affidavits of Custodian BanksPEffective 8/25/02
114-61Credit Personal Property InsuranceL Effective 7/1/11
114-62Standards for Safeguarding Consumer InformationLEffective 4/3/03
114-63Standard Motor Vehicle Policy ProvisionsLEffective 4/3/03
114-64Mental Health ParityL Effective 5/1/21
114-65Self-Insurance Pools for Political SubdivisionsL Effective 4/19/11
114-66Mental Health Parity Cost Containment Measures Application and Annual Reporting Requirements P REPEALED 4/29/08
114-67Rate & Form Filing AbstractsP  REPEALED 8/21/09
114-68Valuation of Life Insurance PoliciesL Effective 7/1/11
114-69Recognition of the 2001 CSO Mortality Table For Use In Determining Minimum Reserve Liabilities and Nonforfeiture BenefitsLEffective 5/6/05
114-69ARecognition of Preferred Mortality Tables For Use In Determining Minimum Reserve LiabilitiesL Effective 7/1/11
114-70Rebates and ReferralsIEffective 9/25/04
114-71Insurance Fraud PreventionLEffective 5/6/05
114-72Personal Private Passenger Automobile Liability Insurance and Property Insurance Withdrawal Plan ProceduresPEffective 9/25/04
114-73Small Employer Eligibility RequirementsL  REPEALED
114-74Nonrenewal of Property Insurance PoliciesLEffective 4/24/06
114-75Private Passenger Automobile and Property Insurance - Biannual Rate FilingsL  REPEALED
114-76Rules of Practice and Procedure for Administrative Proceedings Brought by Third Party ClaimantsPEffective 4/27/06
114-77Rate Filing Requirements For Title Insurance CompaniesLEffective 4/6/07
114-78Individual Limited Health Benefits PlansL  REPEALED
114-79Group Limited Health Benefits PlansL  REPEALED
114-80Viatical SettlementsL Effective 4/14/10
114-81Procedures For Analytical Criteria and MethodologyP  REPEALED 4/20/12
114-82Military Sales PracticesLEffective 8/1/08
114-83Discount Medical Plan Organizations and Discount Prescription Drug Plan OrganizationsL Effective 5/14/09
114-85Professional Employer OrganizationsL Effective 5/10/11
114-86Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture ValuesL Effective 5/14/09
114-87Preventive Care Pilot ProgramL  REPEALED
114-89Use of Senior-Specific Certifications & Professional Designations in the Sale of Life Insurance and AnnuitiesL Effective 7/1/10
114-91Health Maintenance Organization Point Of Service OptionL Effective 7/1/11
114-93Mini COBRAL Effective 7/1/12
114-94Workers' Compensation Insurance for State AgenciesL Effective 4/20/12
114-95Utilization Review and Benefit DeterminationL Effective 7/6/14
114-96Health Plan Issuer Internal Grievance ProcedureL Effective 7/6/14
114-97External Review of Issuers' Adverse Health Insurance DeterminationsL Effective 7/6/14
114-98Adoption of Valuation ManualL Effective 5/19/17
114-99Pharmacy Auditing Entities and Pharmacy Benefit ManagersL Effective 4/1/20
114-100Health Benefit Plan Network Access and AdequacyL Effective 4/1/21
114-101Exempt PurchasingP Effective 3/4/21
114A-1All-Payer Claims Database - Data Submission RequirementsL Effective 7/1/12
114A-2All-Payer Claims Database - Privacy and Security RequirementsL Effective 7/1/12
114-42Continuing Education for Individual Insurance Producers and Individual Insurance AdjustersL LRMRC
114-102Term and Universal Life Insurance Reserve FinancingL LRMRC
114-99Pharmacy Auditing Entities and Pharmacy Benefit ManagersL LRMRC
114-103Bail Bondsmen in Criminal CasesL LRMRC