§ 26.1-05-34 — Reciprocal states - Restrictions on domestic companies - Exceptions

As used in this section, "reciprocal state" means a state the laws of which prohibit an
insurance company domiciled therein from insuring the lives or persons of residents of, or
property or operations located in, the state of North Dakota unless it holds a valid and subsisting

certificate of authority issued by the insurance commissioner of this state. The prohibition may
be subject to the exceptions to this section.
A domestic insurance company may not enter into an insurance contract upon the life or
person of a resident of, or property or operations located in, a reciprocal state unless it is
authorized pursuant to the laws of that state to transact such insurance therein. The
commissioner shall annually mail notice to every domestic insurance company, specifying the
reciprocal states.
The exceptions to this section are:
1. Contracts entered into when the prospective insurant is personally present in the state
in which the insurance company is authorized to transact insurance when the insurant
signs the application.
2. The issuance of certificates under a lawfully transacted group life or group disability
policy, when the master policy was entered into a state in which the insurance
company was then authorized to transact insurance.
3. The removal or continuance in force, with or without modification, of contracts
otherwise lawful and which were not originally executed in violation of this section.