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INSURERS: BULLETINS, NOTICES & COMMISSIONER'S OPINIONS
Bulletins, Notices and Opinions

The Department of Insurance periodically issues bulletins, notices and opinions which clarify the department's official interpretation of certain issues or laws. Select a bulletin, notice or opinion to view its contents. The documents are listed, by type, in chronological order with the most recent appearing at the top. Be sure to check this area regularly. New bulletins, notices and opinions are posted frequently.

For Public Notices Regarding Rate Filings


BULLETINS

Bulletin 2014-1: Export List

Bulletin 2013-3: Notification of Fee Increase (Effective 3/17/2014)

Bulletin 2013-2: Notification of Fee Increase (Effective 6/15/2013)

Bulletin 2013-1: Export List

Bulletin 2012-3: Fraud General Annual Assessment Adjustment

Bulletin 2012-2: Stranger-Originated Annuity Transactions

Bulletin 2012-1: Export List

Bulletin 2011-4: Revised Filing or Approval Cost Recovery Rates for Life, Disability and Workers Compensation Policy Forms and Certain Other Documents

Bulletin 2011-3: Notification of Approval of California Life and Health Insurance Guarantee Association Summary Document of Coverage

Bulletin 2011-2: Implementation of Reinsurance Provisions of the Federal Nonadmitted and Reinsurance Reform Act

Bulletin 2010-3: Transaction of Insurance in Other States and Territories

Bulletin 2010-2: Notification of Fee Reduction Updated 3/30/10

Bulletin 2010-1: Export List

Bulletin 2009-7: Transaction of Insurance in Other States and Territories

Bulletin 2009-6: Life and Annuity Protection Fund

Bulletin 2009-5: Revised Filing on Approval Cost Recovery Rates for Life, Disability and Workers' Compensation Policy Forms and Certain Other Documents

Bulletin 2009-4: Notification of Rate Change - FY 2009-10 Fraud - General Annual Assessment

Bulletin 2009-3: (Notification of Fee Reduction attachment) Updated 9/1/09

Bulletin 2009-1: Export List

Bulletin 2009-2: Recognition of Preferred Mortality Tables for Use in Determining Minimum Reserve Liabilities

Bulletin 2008-3: Transaction of Insurance In Other States and Territories

Bulletin 2008-2: Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values  

Bulletin 2008-1: 2008 Export List

Bulletin 2007-4: Transaction of Insurance in Other States and Territories

Bulletin 2007-32007 Export List

Bulletin 2007-2: Implementation of AB 1586: Insurance Gender Non Discrimination

Bulletin 2007-1: Life and Annuity Consumer Protection Fund

Bulletin 2006-1: Transaction of Insurance In Other States and Territories

Bulletin 2005-4: Transaction of Insurance in Other States and Territories. [Recognized "Reciprocal States"] Lists states that have reciprocal relationships with California under CIC Section 706.7. (Supersedes Bulletin 2004-3 and all previous CDI bulletins listing reciprocal states)

Bulletin 2005-3: Workers Compensation -- Cessation of Fact-Finding and Decisions on Worker Status and Employee Exemption Issues.

Bulletin 2005-2: Life and Annuity Consumer Protection Fund - New Requirements The purpose of this Bulletin is to inform affected licensees and interested members of the public of the Department's implementation of AB 2316 (Chapter 835, Statutes of 2004) effective January 1, 2005.

Bulletin 2004-3: Transaction of Insurance in Other States and Territories.  [Recognized "Reciprocal States"] Lists states that have reciprocal relationships with California under CIC Section 706.7. (Supersedes Bulletin 2002-1 and all previous CDI bulletins listing reciprocal states)

Bulletin 2004-2: Reserve Basis and Reasonably Commensurate Value (RCV) of Annuities

Bulletin 2003-06: Revised Fingerprint Processing Requirements (Instructions) You can also access a copy of the Live Scan Service Request Form.

Bulletin 2003-05: Recognition of the 2001 CSO Mortality Table

Bulletin 2003-04: New Fee Schedule (Fees effective 1/1/2004)   This bulletin introduces the Department's revised fee schedule.  View Bulletin 2003-4 in PDF format (including the fee schedule) or view the fee schedule without the Bulletin in (PDF format) or (Microsoft Excel format).  (Bulletin 2003-04 and accompanying fee schedule supersedes all previous CDI fee schedules and related bulletins including Bulletins 99-4 and 2002-7)

Bulletin 2003-02: New Fee Schedule (Preannouncing Bulletin 2003-04)

Bulletin 2002-9: Terrorism Risk Insurance Act of 2002 Filing procedures for compliance with the provisions of the Terrorism Risk Insurance Act of 2002

Bulletin 2002-8: Insurer Inspections of Auto Body Repairs Reminder to those Insurers that Have Not yet Complied with Bulletin 2002-4.

Bulletin 2002-6: Requirements for Notification of Determination of Principally at Fault Accidents

Bulletin 2002-5: Workers' Compensation Insurance

Bulletin 2002-4: Insurer Inspections of Auto Body Repairs

Bulletin 2002-3: Notice Regarding Increase in Fee Schedule

Bulletin 2002-2: USA Patriot Act The USA Patriot Act of 2001 was enacted in response to the terrorist attacks of September 11, 2001. The purpose of this Bulletin is to advise regulated entities of important new responsibilities under the Act.

Bulletin 2001-5: Export List

Bulletin 2001-4: Rates of Interest for Minimum Reserves and Nonforfeiture Values - 2002 Life Insurance; 2001 Annuities   (This bulletin supersedes Bulletin No. 2000-4)

Bulletin 2001-1: Medicare Supplement Insurance

Bulletin 2000-5: Compliance with California Code of Regulations Sections 2646.6 Et Seq.

Bulletin 2000-3: Requirements to Issue Variable Annuity Contracts or Riders to Variable Annuity Contracts Containing Guaranteed Living Benefits

Bulletin 2000-2: Valuation of Life Insurance Policies (This bulletin supersedes Bulletin No. 96-9 for policies issued on or after 7/1/2000)

Bulletin 99-3: Notice of Fees Schedule Increase (This bulletin notifies readers of bulletin 99-4)

Bulletin 99-1: Approval of Variable Annuity Mortality Valuation Tables

Bulletin 98-3: Rates of Interest for Minimum Reserves and Nonforfeiture Values, 1999 Life Insurance, 1998 Annuities. (not available online - superceded)

Bulletin 98-1: Approval of Annuity Mortality Valuation Tables (not available online)

Bulletin 97-5: Credit in Accounting and Financial Statements on Account of Reinsurance Ceded Form AR-1 Certificate of Assuming Insurer
The bulletin sets forth substantive and procedural requirements for licensed companies to obtain credit for reinsurance cessions. The requirements implement the provisions of Section 922.2 et seq. of the California Insurance Code.

Bulletin 97-4: Annual interest rate bulletin for valuation and nonforfeiture under Standard Valuation and Nonforfeiture Laws (not available online)

Bulletin 97-3: New Class Plan Filings / Auto Rating Factor Regulations / ER-33. The Commissioner has will not seek adoption of emergency regulations ER-33 and will not submit the regulations to the Office of Administrative Law. All insurers offering private passenger automobile insurance in California must file new class plans and rating plans which comply with Title 10, Chapter 5, Subchapter 4.7, Sections 2632.1 through 2632.16 by February 18, 1997.

Bulletin 97-2: This Bulletin has two purposes: (1) to establish an expedited procedure to amend Variable Annuity and Variable Life Qualifications of admitted life insurers via a Certification of Compliance With California Law; and (2) to clarify the definition of the word "hazardous" and to provide examples of situations that may be hazardous under Insurance Code Section 10506(h). An appendix to the bulletin containing instructions and forms is also available online.

Bulletin 96-12: Expected Reduction of Automobile Rates in Response to Proposition 213 On November 5, 1996, California voters passed Proposition 213 which will prevent some California drivers from collecting damages if they are injured in automobile accidents. This bulletin requires that automobile insurers reduce their liability rates to reflect reduced exposure as a result of Proposition 213.

Bulletin 96-11: Filing of Long-term Care Policies and Certificates Intended to Qualify for Favorable Tax Treatment Under "Kassebaum-Kennedy" [96-11 RESCINDED: SEE NOTICE OF RESCISSION OF BULLETIN 96-11.]

Bulletin 96-10: Unlawful Title Rebating Activities

The California Insurance Code prohibits title companies from giving unlawful rebates or kickbacks to certain defined persons, including real estate agents, as an inducement for the referral of title insurance business. This bulletin describes some of the most common forms of unlawful kickbacks and sets forth conditions under which other activities performed by title companies would not be deemed unlawful rebates.

Bulletin 96-9: Model Regulation entitled "Valuation of Life Insurance Policies."

(Superseded by Bulletin 2000-2)

The Model Regulation entitled "Valuation of Life Insurance Policies," also known as Regulation XXX (referred to herein as "the XXX Model" ) was adopted by the National Association of Insurance Commissioners (NAIC) in March of 1995. This Bulletin will inform affected insurers of the California Insurance Department's policy with regard to the XXX Model, and otherwise to describe minimum standards for the valuation of certain plans of insurance. Although this regulation was not adopted as an actuarial guideline and is officially titled "Valuation of Life Insurance Policies Model Regulation", it is most often referred to as Regulation XXX.

Bulletin 96-8: Answers to Commonly Asked Questions on Insurance Code Section 1725.5. Insurance Code Section 1725.5 (added to the Insurance Code in 1995 by AB 702, Chapter 217) effective January 1, 1997, requires certain licensees of the Department to include their license numbers on business cards, premium quotes and print advertisements for insurance products distributed exclusively in California. This bulletin attempts to answer some of the more commonly asked questions concerning Insurance Code Section 1725.5

Bulletin 96-4: Affiliation with Nonadmitted Insurers; Permissible Transactions by Surplus Line Brokers and Nonadmitted Insurers. Bulletin 96-4 provides information to licensed California surplus line brokers concerning the Commissioner's views of certain surplus line market practices.

Bulletin 96-2: General Purposes and Limitations of the California Life and Health Insurance Guarantee Association ("CLHIGA"). CLHIGA was created in 1991 to protect specified life and health insureds and annuitants in the event of the insolvency of a CLHIGA member insurer. Bulletin 96-2 contains a Summary Document, Disclaimer, and Notice of Non-Coverage which describes the general purposes and limitations of CLHIGA.

Bulletin 95-10: Procedures and Requirements for Implementation of California Insurance Code Section 10507.5 (SB 188, 1995) Governing Life Insurance Company Obligations Regarding Contractholder Owned Assets.

Bulletin 95-9: Valuation Interest Rates.

Bulletin 95-8: Procedures and Requirements for Implementation of California Insurance Code Section 10506.4

(SB 1001, 1994) Governing Separate Account Products and General Account Guarantees.

(Note: Prior to October 8, 2002 this bulletin was listed on this page as "Bulletin 95-8: Variable Annuities.")

Bulletin 95-6: Immediate Payment of Claims.

Bulletin 94-11: Disclosure Required in Condominium Homeowner's Policies. (California Insurance Code (CIC) Section 10087.5)

Bulletin 94-9A: "Actively at Work" or "Not Disabled" Requirements in Small Employer Health Insurance.

Bulletin 94-7: Valuation Interest Rates. Bulletin 93-6: Dividend Reporting - New Requirements.

Bulletin 93-3: Assembly Bill 1672 ("Small Employer Health Insurance Reform").

Bulletin 93-3A: Assembly Bill 1672 ("Small Employer Health Insurance Reform") as amended.

Bulletin 93-4: Assembly Bill 1672 -- How It Affects All Employment-Related Health Insurance; Determining Whether a New Plan Entrance Gets Credit for "Time Served" in the Prior Qualifying Plan; Changes to the Emergency Regulations (RH-317) pertaining to the "Small Employer" provisions of AB1672.

Bulletin 93-4A: Assembly Bills 1672 and 1768 -- this bulletin updates 93-4 of June 25, 1993, and reflects the 1993 amendments to the "all health insurance" (previously referred to as "all employer") sections of AB 1672.

Bulletin 92-9: Life and Health Reinsurance Contracts

Bulletin 91-8: Filing of Data for Determining Life Insurer Valuation (California Insurance Code Section 10480); Issuance of Valuation Certificates

Bulletin 87-3: Requirements for Issuance of Variable Life Insurance in California

Bulletin NS-3: Advertising - Maintenance of Files of Advertising, Copy and Materials

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NOTICES

Notice of Informational Hearing on Insurance and Transportation Network Companies

2013 Tax Return Information

Notice to Transportation Network Company Drivers

2013 Notice of Public Hearing Regarding Export List

SB 476 Impact on Three Insurance Related Special Assessments and SB 476 Frequently Asked Questions (FAQ)

2013 Schedule of Examination Fees - October 25, 2013

2013 Model Notice AB 792, AB 1180, ABx1-2 

2013 Model Notice CIC 10954 (ABx1-2) 

2013 Seismic Safety Fee/AB 98 Budget Trailer Bill Implementation Frequently Asked Questions

2013 Year End Notice

2013 Invitation to Respond to a Certified Reinsurer Application

2012 Tax Return Information

2012 Requirement for Insurers to Specify Policy or Contract Provisions and the Factual or Legal Basis for Denial of Claims for Payment of Medical Treatment - November 5, 2012

2012 Schedule of Examination Fees - October 31, 2012

2012 Year End Notice

2012 Filing of a Sworn Statement of All Business Done Pursuant to California Insurance Code Section 1760

2011 Schedule of Examination Fees - October 24, 2011

2011 Year End Notice

2011 Tax Return Information

2011 Standards for notice from insurers to applicant(s) regarding alternative health coverage options in state and federal high risk pools

2011 Enforcement of Independent Medical Review Statutes

2010 Recent Changes in the Law Affecting Residential Property Insurance in California

2010 Schedule of Examination Fees - October 20, 2010

2010 Year End Notice

2010 Life Settlement Update

2010 Requirements of Insurance Code §12956 and 10 CCR §2214, Public Inspection of Forms Filed with the Commissioner

2010 Requirements of CCR §2695.8(g), Use of Non-Original Equipment Manufacturer Replacement Crash Parts

2010 Pre-Notice Public Discussion on Proposed Regulations Re: Electronic Filing

2010 Tax Return Information

2009 Tax Return Information 

2009 Schedule of Insurer Examination Fees - November 4, 2009

2009 Year End Notice

2009 New EFT Banking Information

2009 Multistate Form A

2009 Notice of Cuesta Title Company

2009 Notice of 2008 Tax Forms

2008 Export List Notice of Public Hearing

2008 Export List

2008 Schedule of Insurer Examination Fees - November 10, 2008

2008 Notice for Filings Containing A Proposed Rate Change Below the Minimum Permitted Earned Premium

2008 Year End Notice

2007 Notice of Public Hearing Regarding Export List

2007 Export List

2007 Important EFT Notice - Correction

2007 Schedule of Insurer Examination Fees - October 27, 2007

2007 Notice of Laws Enacted After 2003 So. Cal. Wildfires

2007 Important EFT Notice

2007 Notice of Year-End Review Procedures

2007 Notice of Quarterly Prepayment Due Dates 

2007 Notice of 2006 Tax Forms 

2006 Schedule of Insurer Examination Fees - October 4, 2006

2006 Notice of Year-End Review Procedures 

2006 Individual Disability Policy Loss Ratio Regulations 

2006 Upcoming Automobile Rate and Class Plan Filing Requirements 

2006 Notice of 2005 Tax Forms 

2005 Unlawful Sales Practices - Pertaining to Medicare Part D and Annuities for Seniors

2005 Notice of Public Hearing Regarding Export List (View 2005 Export List)

2005 Schedule of Insurer Examination Fees - November 1, 2005

2005 Notice of invalidation of SB 841

2005 Notice of Change of Procedure Re: City of Domicile - Effective September 18, 2005

2005 Notice of Change in Year End Review Procedures - Effective July 1, 2005

2005 Advisory notice -2005-02 - Use of Discounts in Determining Private Passenger Automobile Rates and Premiums

2005 Notice of Investigatory Hearing - on Captive Reinsurance in the Title Insurance Industry (Hearing Date: March 4, 2005)

2005 Advisory Notice: Property and Casualty Rate Increase  - Applications Which Exceed the Statutory Thresholds Set Forth in California Insurance Code Section 1861.05(c)(3)   (February 18, 2005)

2005 Life Insurance and Annuity Contract Form Filings - under AB 2384 (January 12, 2005)

2004 Notice of Public Hearing Regarding Export List (View 2004 Export List)

2004 Proposed Revisions to the Insurance Commissioner's Regulations - pertaining to the Classification of Risks; Recording and Reporting of Data; Statistical Reporting and Experience Rating; and Approval of Advisory Pure Premium Rates to be effective January 1, 2005 2004 Required Meeting to Present New Worker's Compensation Business Plans (August 12, 2004)

2004 Notice of Court Decision Invalidating SB 841 - (Auto/Persistency) March 5, 2004

2004 Notice to Withdraw Approval and Order for Information - (Disability -- Discretionary Clauses) (2/27/2004)

2003 Corporate Applications and Similar Filings  - Requiring Department Approval by Year End (8/6/2003)

2003 Eligibility Guidelines and the Use of Loss Information - by Residential Property Insurers (4/24/2003)

2003 Privacy of Nonpublic Personal Information Regulations 

2002 Recent Changes in the Law - Recent Changes in the Law Affect Insurers Writing Automobile Liability Insurance in California(11/8/02)

2001 Living Trust Mills and Pretext Interviews - To Life Insurers and Life Agents

2001 Public Notice:  Reminder to Insurers of Certain Requirements - Regarding Complete Rate Applications, June 8, 2001.

1998 Independent Review of Experimental or Investigational Medical Therapies - under California Insurance Code Section 10145.3, August 5, 1998.

1997 Uniform Implementation Date for Submission of New Automobile Class Plans  - October 1, 1997.

1997 Notice of Amendments to Regulations - Pertaining to Document Submission and Approval Procedures and Fees (RH-350 and RH-351), February 11, 1997.

1997 Notice of Recision of Bulletin 96-11 

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OPINIONS

2013 Legal Opinion Regarding Requirement that Third-Party Courier Fees be Included in Rate Filings - November 7, 2013

2013 General Counsel's Letter Opinion Regarding Requirement That Controlled Escrow Company Follow Escrow Instructions - March 21, 2013

2013 General Counsel's Letter Opinion Regarding 2014 Federal Affordable Care Act fees in 2013 Health Insurance Rates - January 4, 2013

2012 General Counsel's Letter Opinion Regarding CEA "Choice" policy statutory compliance - February 23, 2012

2010 General Counsel letter responding to 9/24/10 letter from Two Jinn, Inc. - October 20, 2010

2008 General Counsel's Letter Opinion Regarding the Application of CA Insurance Code Section 2015.5(c) - Rebuild/Replacement of Structure at New Location April 3, 2008

2008 General Counsel's Letter Opinion on Limitations By Health Insurers - on Small Employers' Payment of Employee Deductibles October 1, 2008.

2004 Letter Opinion on Discretionary Clauses in Disability Contracts - February 26, 2004

2001 Commissioner's Opinion on Jail Signboards - December 20, 2001

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