Chapter 48.23 RCW

LIFE INSURANCE AND ANNUITIES

Sections
Scope of chapter.
Purchase or exchange of annuitiesDefinitionsStandardsRequirementsConductRecordsPenaltiesRules.
Standard provisions requiredLife insurance.
Grace period.
Entire contractRepresentations.
Incontestability.
Misstatement of age.
Participation in surplus.
Participation in surplusRequirements for forms.
Policy loan.
Policy loan interest rates.
Table of values and options.
Nonforfeiture options.
Table of installments.
Reinstatement.
Settlement on proof of death.
Standard provisionsAnnuities, pure endowment contracts.
Grace periodAnnuities, pure endowments.
IncontestabilityAnnuities, pure endowments.
Entire contractAnnuities, pure endowments.
Misstatement of age or sexAnnuities, pure endowments.
DividendsAnnuities, pure endowments.
Nonforfeiture benefitsAnnuities, pure endowments.
ReinstatementAnnuities, pure endowments.
Standard provisionsReversionary annuities.
Sections applicable.
ReinstatementReversionary annuities.
Supplemental benefits.
Limitation of liability.
Incontestability after reinstatement.
Premium deposits.
Policy settlementsInterest.
Deduction of indebtedness.
Miscellaneous proceeds.
Trafficking in dividend rights.
Prohibited policy plans.
Juvenile life insuranceSpeculative or fraudulent purposes.
Calculation of nonforfeiture benefits under annuities.
Duties of insurer issuing both participating and nonparticipating policiesRules.
Return of policy and refund of premiumGrace periodNoticeEffect.
Short title.
Inapplicability of enumerated sections to certain policies.
Paid-up annuity and cash surrender provisions required.
Minimum nonforfeiture amounts.
Minimum present value of paid-up annuity benefit.
Minimum cash surrender benefitsDeath benefit.
Contracts without cash surrender, death benefitsMinimum present value of paid-up annuity benefits.
Optional maturity dates.
Statement required in contract without cash surrender or death benefits.
Calculation of benefits available other than on contract anniversary.
Additional benefits.
Individual life insuranceNoninsurance benefitsRules.
ConstructionChapter applicable to state registered domestic partnerships2009 c 521.
NOTES:
Assignment of policies: RCW 48.18.360.
Charitable gift annuity business: Chapter 48.38 RCW.
Exemption of proceeds
commutation, annuities: RCW 48.18.430.
life insurance: RCW 48.18.410.
Insurable interest, personal insurance, nonprofit organizations: RCW 48.18.030.
Minor may contract for life or disability insurance: RCW 48.18.020.
Payment to person designated in policy or by assignment discharges insurer: RCW 48.18.370.
Policy forms, execution, filing, etc.: Chapter 48.18 RCW.
Simultaneous deaths: RCW 48.18.390.
Spouses' rights in life insurance policy: RCW 48.18.440.
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