§ 26.1-30-19 — Policy forms to be filed with and approved by commissioner

1. No insurance policy, contract, agreement, or rate schedule may be issued or delivered
in this state until the form of that policy, contract, agreement, or rate schedule has
been filed with and approved by the commissioner.
2. No life insurance policy, certificate, contract, or agreement or annuity contract may be
issued for delivery or delivered to any person in this state nor may any application,
rider, or endorsement be used in connection therewith until the form thereof has been
filed with and approved by the commissioner and is in compliance with chapters
26.1-33, 26.1-34, 26.1-35, and 26.1-37.
3. No insurance policy, certificate, contract, or agreement or notice of proposed insurance
against loss or expense from the sickness, bodily injury, or death by accident of the
insured may be issued for delivery or delivered to any person in this state nor may any
application, rider, or endorsement be used in connection therewith until the form
thereof and the classification of risks and the premium rates, or in the case of
cooperatives or assessment companies the estimated costs pertaining thereto, have
been filed with and approved by the commissioner. A form must be disapproved if the
benefits provided are unreasonable in relation to the premium charge or if the benefits
do not comply with chapters 26.1-36 and 26.1-37.
4. No casualty or fire and property insurance policy, certificate, contract, or agreement
may be issued for delivery or delivered to any person in this state nor may any
application, rider, or endorsement be used in connection therewith until the form
thereof has been filed and approved by the commissioner to the extent rates are filed
and approved pursuant to chapter 26.1-25.
5. A filing and any supporting information is not open to public inspection or subject to the
provisions of chapter 44-04 unless the filing is approved by the commissioner.