§ 26.1-40-10 — Notification and reasons for a declination

1. Upon declining an application or written request for a policy, the insurer making the
declination shall either provide the insurance applicant with the specific reasons in
writing for the declination at the time of the declination or advise the applicant in writing
that specific written reasons for the declination will be provided within twenty-one days
of the timely receipt by the insurer making the declination of the applicant's written
request for the reasons. An applicant's written request is timely under this subsection if
received within ninety days of the date of the notice to the applicant.
2. No insurer not represented by an insurance producer may refuse to provide an
insurance application form or other means of making a written request for insurance to
a prospective applicant who requests insurance coverage from the insurer.
3. No insurance producer, for any reason set out in section 26.1-40-11, may refuse to
provide an insurance application form or other means of making a written request for
insurance to a prospective applicant who requests insurance coverage from the
insurance producer or insurer.