Insurance Rules

Insurance rules are issued to implement or interpret the Utah Insurance Code or federal mandates and have the effect of law.

The links below go to the state’s Administrative Rules Search website, which houses the current version of each rule. The links also offer the ability to download a PDF or HTML copy of each rule.

Insurance Administration Rules (R590)

• R590-67 Proxy Solicitations and Consent and Authorization of Stockholders of Domestic Stock Insurers.
  • Proxy Form for R590-067
• R590-68 Insider Trading of Equity Securities of Domestic Stock Insurance Companies.
• R590-70 Insurance Holding Companies.
  • Form A: Statement Regarding the Acquisition of Control of or Merger with a Domestic Insurer
  • Form B: Insurance Holding Company System Annual Registration Statement
  • Form C: Summary of Changes to Registration Statement
  • Form D: Prior Notice of a Transaction
  • Form E: Pre-Acquisition Notification Form Regarding the Potential Competitive Impact of a Proposed Merger or Acquisition by a Non-Domiciliary Insurer Doing Business in This State or by a Domestic Insurer
  • Form F: Enterprise Risk Report
• R590-76 (REPEALED 10-12-2021) Health Maintenance Organizations and Limited Health Plans.
• R590-79 Life Insurance Disclosure Rule.
  • Buyers Guide
• R590-83 Unfair Discrimination on the Basis of Sex or Marital Status.
• R590-85 Individual Accident and Health Insurance and Individual and Group Medicare Supplement Rates.
• R590-88 (REPEALED 10-12-2021) Prohibited Transactions Between Producers and Unauthorized Multiple Employer Trusts.
• R590-91 Credit Life Insurance and Credit Accident and Health Insurance.
  • R590-91 Attachment: Credit Disability Insurance
  • 1968 Proceedings of the NAIC Vol. II
  • 2002-2, Credit Accident & Health Insurance Prima Facie Rates for Open-End Loans.
• R590-93 Replacement of Life Insurance and Annuities.
  • Appendices
• R590-94 Rule Permitting Smoker/Nonsmoker Mortality Tables for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits.
• R590-95 Rule to Permit the Same Minimum Nonforfeiture Standards for Men and Women Insureds Under the 1980 CSO and 1980 CET Mortality Tables.
• R590-96 Rule to Recognize New Annuity Mortality Tables for Use in Determining Reserve Liabilities for Annuities.
  • Table
• R590-98 Unfair Practice in Payment of Life Insurance and Annuity Policy Values.
• R590-102 Insurance Department Fee Payment Rule.
• R590-103 Security Deposits.
• R590-108 Interest Rate During Grace Period or Upon Reinstatement of Policy.
• R590-114 Letters of Credit.
• R590-116 Valuation of Assets.
• R590-117 Valuation of Liabilities.
• R590-120 Surety Bond Forms.
• R590-121 Rate Modification Plan Rule.
• R590-122 Permissible Arbitration Provisions.
• R590-124 Loss Information Rule.
• R590-126 Accident and Health Insurance Standards.
• R590-127 Rate Filing Exemptions.
• R590-128 Unfair Discrimination Based on the Failure to Maintain Automobile Insurance. (Revised.)
• R590-129 Unfair Discrimination Based Solely Upon Blindness or Physical or Mental Impairment.
• R590-130 Rules Governing Advertisements of Insurance.
• R590-131 Accident and Health Coordination of Benefits Rule.
  • Coordination of Benefits in Utah
• R590-132 Insurance Treatment of Human Immunodeficiency Virus (HIV) Infection.
• R590-133 Variable Contracts.
• R590-140 Reference Filings of Rate Service Organization Prospective Loss Costs.
• R590-142 Continuing Education Rule.
• R590-143 Life and Health Reinsurance Agreements.
• R590-144 Commercial Aviation Insurance Exemption from Rate and Form Filing.
• R590-146 Medicare Supplement Insurance Standards.
  • Medicare Supplement Refund Calculation Form
  • Reporting Form for the Calculation of Benchmark Ratio Since Inception for Group Policies
  • Reporting Form for the Calculation of Benchmark Ratio Since Inception for Individual Policies
  • Form for Reporting Medicare Supplement Policies
    • Please note: The Form for Reporting Medicare Supplement Policies states that the report is due March 1 annually; however, Utah rules require the report to be submitted by May 31 annually.
  • Disclosure Statements
  • Outline of Medicare Supplement Coverage
  • 2010 Medicare Supplement Rate Data Template
• R590-147 Annual and Quarterly Statement Filing Instructions.
• R590-148 Long-Term Care Insurance Rule.
  • Appendix A: Rescission Reporting Form
  • Appendix B: Personal Worksheet
  • Appendix C: Things You Should Know Before You Buy…
  • Appendix D: Suitability Letter
  • Appendix E: Claims Denial Reporting Form
  • Appendix F: Worksheet Potential Rate Increase Disclosure
  • Appendix G: Replacement & Lapse Reporting Form
  • Appendix H: Suitability Reporting Form Long-Term Care Insurance
  • Table I: Notice to Applicant regarding Replacement
  • Table II: Notice to Applicant regarding Replacement
  • Table III: Triggers for Substantial Premium Increases
  • Table IV: Outline of Coverage
• R590-149 Americans with Disabilities Act (ADA) Grievance Procedures.
• R590-150 Commissioner’s Acceptance of Examination Reports.
• R590-151 (REPEALED 1-10-2022) Records Access Rule.
• R590-152 Health Discount Programs and Value Added Benefit Rule.
• R590-154 Unfair Marketing Practices Rule; Misleading Names.
• R590-155 Utah Life and Health Insurance Guaranty Association Summary Document.
  • Notice of Protection Provided by the Utah Life and Health Insurance Guaranty Association
• R590-157 Surplus Lines Insurance Premium Tax and Stamping Fee.
• R590-160 Administrative Proceedings.
• R590-161 Disability Income Policy Disclosure.
• R590-162 Actuarial Opinion and Memorandum Rule.
• R590-164 Uniform Health Billing Rule.
  • Standards
• R590-166 Home Protection Service Contract Rule.
• R590-167 Individual, Small Employer, and Group Health Benefit Plan Rule.
  • Comprehensive Health Insurance Rate Filing Checklist
• R590-170 Fiduciary and Trust Account Obligations.
• R590-171 Surplus Lines Procedures Rule.
• R590-173 Credit for Reinsurance.
• R590-176 Health Benefit Plan Enrollment.
• R590-177 Life Insurance Illustrations Rule.
  • Life Insurance Illustration Certification Annual Report Checklist
• R590-178 Securities Custody.
• R590-181 Yankee Bond Rule.
• R590-182 (REPEALED 2-8-2022) Risk-Based Capital Instructions.
• R590-186 Bail Bond Surety Business.
  • Supplemental Form for Renewal of Utah Bail Bond Agency License
• R590-190 Unfair Property, Liability and Title Claims Settlement Practices Rule.
• R590-191 Unfair Life Insurance Claims Settlement Practices Rule.
• R590-192 Unfair Accident and Health Claims Settlement Practices Rule.
• R590-194 Coverage of Dietary Products for Inborn Errors of Amino Acid or Urea Cycle Metabolism.
• R590-196 Bail Bond Surety Fee Standards, Collateral Standards, and Disclosure Form.
• R590-197 Treatment of Guaranty Association Assessments as Qualified Assets.
• R590-198 Valuation of Life Insurance Policies Rule.
• R590-199 Plan of Orderly Withdrawal Rule Relating to Health Benefit Plans.
• R590-200 Diabetes Treatment and Management.
• R590-203 Health Grievance Review Process.
• R590-206 Privacy of Consumer Financial and Health Information Rule.
  • Model Law & Appendices
• R590-207 Health Producer Commissions for Small Employer Groups.
• R590-208 Uniform Application for Certificates of Authority.
• R590-210 Privacy of Consumer Information Exemption for Manufacturer Warranties and Service Contracts.
• R590-215 Permissible Arbitration Provisions for Individual and Group Health Insurance.
• R590-216 Standards for Safeguarding Customer Information.
• R590-218 (REPEALED 06-07-2019) Permitted Language for Reservation of Discretion Clauses.
• R590-219 Credit Scoring.
• R590-220 Submission of Accident and Health Insurance Filings.
  • A & H Bona Fide Employer Association Group Authorization
  • A & H Discretionary Group Authorization
  • A & H Filing Certification
  • A & H Group Questionnaire
  • NAIC Uniform Accident & Health, Annuity & Credit Coding Matrix
    • Note: The 2021 version linked above is an acceptable substitute for the 2015 version incorporated by reference. The rule is being amended to fix the incorporation.
• R590-222 Life Settlements.
  • Antifraud Plan Content Checklist and Certification
  • Appendix A: Initial Application
  • Appendix B: Provider Annual Report
  • Appendix C: Selling Your Life Insurance Policy (brochure)
  • Appendix D: Verification of Coverage for Individual Policies
  • Appendix E: Provider Renewal Application
• R590-223 Rule to Recognize the 2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits.
• R590-225 Submission of Property and Casualty Rate and Form Filings.
  • NAIC Transmittal Sheet
  • NAIC Uniform Property and Casualty Product Coding Matrix
    
    • Note: The 2021 version linked above is an acceptable substitute for the 2020 version incorporated by reference. The rule is being amended to fix the incorporation.
  • Workers Compensation Loss Cost Multiplier Filing Form
  • Utah Insurer Loss Cost Multiplier Filing Form
• R590-226 Submission of Life Insurance Filings.
  • Filing Certification
  • Group Questionnaire
  • Discretionary Group Authorization
  • Coding Matrix
• R590-227 Submission of Annuity Filings.
  • Filing Certification
  • Group Questionnaire
  • Discretionary Group Authorization
  • Coding Matrix
• R590-228 Submission of Credit Life and Credit Accident and Health Insurance Form and Rate Filings.
  • Filing Certification
  • Credit Report Check-Off List
• R590-229 Annuity Disclosure.
  • Deferred Annuity Buyers Guide
  • Deferred Annuity Fixed Buyers Guide
  • Deferred Annuity Variable Buyers Guide
• R590-230 Suitability in Annuity Transactions.
• R590-231 (REPEALED 01-22-2021) Workers’ Compensation Market of Last Resort.
• R590-232 (REPEALED 11-22-2022) Authorization for a Health Maintenance Organization to Provide Services as Third Party Administrator of Health Care Benefits.
• R590-233 Health Benefit Plan Insurance Standards.
• R590-235 Medicare Prescription Drug Plan.
• R590-237 Access to Health Care Providers in Rural Counties.
• R590-238 Captive Insurance Companies.
• R590-239 Exemption of Student Health Centers from Insurance Code.
• R590-240 Procedure to Obtain Exemption of Student Health Programs From Insurance Code.
• R590-241 Rule to Recognize the Preferred Mortality Tables for Use in Determining Minimum Reserve Liabilities.
• R590-242 Military Sales Practices.
• R590-243 Commercial Motor Vehicle Insurance Coverage.
• R590-244 Individual and Agency Licensing Requirements.
• R590-245 Self-Service Storage Insurance.
• R590-246 (REPEALED 1-10-2023) Professional Employer Organization (PEO) License Application Rule.
• R590-247 Universal Health Insurance Application Rule.
  • Utah Individual Health Insurance Application
  • Utah Small Employer Health Insurance Application
  • Producer Agreement and Compensation Disclosure
• R590-248 (REPEALED 8-22-2023) Mandatory Fraud Reporting Rule.
• R590-249 Secondary Medical Condition Exclusion.
• R590-250 PEO Assurance Organization Designation.
• R590-251 Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values Rule.
• R590-252 Use of Senior-Specific Certifications and Professional Designations.
• R590-254 Annual Financial Reporting Rule.
• R590-258 Email Address Requirement.
• R590-259 Dependent Coverage to Age 26.
• R590-260 (REPEALED 01-22-2020) Utah Defined Contribution Risk Adjuster Plan of Operation.
• R590-261 Health Benefit Plan Adverse Benefit Determinations.
  • Request Form
  • IRO Application & Checklist
• R590-262 Health Data Authority Health Insurance Claims Reporting.
  • APCD Opt-In Form
• R590-264 Property and Casualty Actuarial Opinion Rule.
• R590-265 Hazardous Financial Condition Rule.
• R590-266 Utah Essential Health Benefits Package.
  • PEHP – Utah Basic Plus Plan (Plan Years 2014 – 2016)
  • PEHP – Utah Basic Plus Plan (Plan Years 2017 + )
• R590-267 Personal Injury Protection Relative Value Study Rule.
• R590-268 Small Employer Stop-Loss Insurance.
  • Disclosure
  • Notice
  • Utah Stop-Loss Experience Report
• R590-269 Individual Open Enrollment Period.
• R590-270 (REPEALED 12-08-2022) Risk Adjustment Data Submission Requirements.
• R590-271 Data Reporting for Consumer Quality Comparison.
  • Transparency Administration Performance Standard
  • Transparency Denial Standard
• R590-272 Commission Compensation Reporting.
  • Large Customer Compensation Disclosure Form
• R590-273 Continuing Care Provider Rule.
• R590-274 Submission and Required Disclosures of Public Adjuster Contracts.
• R590-275 Qualified Health Plan Alternate Enrollment.
• R590-276 Record Retention for Foreign Insurers, Alien Insurers, Commercially Domiciled Insurers, Foreign Title Insurers and Foreign Fraternals.
• R590-277 Managed Care Health Benefit Plan Policy Standards.
  • Utah Individual and Small Employer Health Benefit Plan Age Curve
• R590-278 (REPEALED 06-08-2020) Consent Requests Under 18 U.S.C. § 1033(e)(2).
• R590-279 Rule Designating Fraud Division Offices As A Secured Area.
• R590-280 Counting Short-Term Funds.
• R590-281 License Applications Submitted by Individuals Who Have a Criminal Conviction.
• R590-282 Pharmacy Benefit Manager Reporting.
  • PBM Application
  • Reporting Form
  • Reporting Instructions
  • Signature Form
• R590-283 Defrayal of State-Required Benefits.
  • Adaptive Behavior Services/Applied Behavior Analysis (ABA) Billing Standard v3.1
  • Mandate Defrayal Data Template
• R590-284 Corporate Governance Annual Disclosure Rule.
• R590-285 Limited Long-Term Care Insurance.
  • Appendix A: Potential Premium Increase Disclosure Form
  • Appendix B: Appendix B: Notice to Applicant Regarding Replacement of Individual Accident and Sickness or Limited Long-Term Care Insurance or Long-Term Care Insurance
  • Appendix C: Notice to Applicant Regarding Replacement of Accident and Sickness or Limited Long-Term Care Insurance or Long-Term Care Insurance
  • Appendix D: Outline of Coverage
  • Appendix E: Replacement and Lapse Reporting Form
  • Appendix F: Guidelines for Long-Term Care Independent Review Entities
• R590-286 Minimum Standards for Short-Term Limited Duration Health Insurance.
• R590-287 Manufacturer Data Reporting
• R590-288 Limited Line Producer Line of Authority for Pet Insurance
• R590-289 Term and Universal Life Insurance Reserve Financing

Title & Escrow Commission Rules (R592)

• R592-1 Title Insurance Licensing.
• R592-5 Title Insurance Product or Service Approval for a Dual Licensed Title Licensee.
  • Dual Licensee Request Form
  • Dual Licensee Expedited Request Form
• R592-6 Unfair Inducements and Marketing Practices in Obtaining Title Insurance Business.
• R592-7 Title Insurance Continuing Education.
• R592-8 Application Process for an Attorney Exemption for Agency Title Insurance Producer Licensing.
• R592-9 Title Insurance Recovery, Education, and Research Fund Assessment Rule.
• R592-10 Title Insurance Regulation Assessment for Agency Title Insurance Producers and Title Insurers.
  • Office Report Form
• R592-11 Title Insurance Producer Annual Reports.
  • Annual Report Checklist
  • Transmittal Form
  • Controlled Business Report Form
• R592-14 Delay or Failure to Record Documents and the Insuring of Properties with the False Appearance of Unmarketability as Unfair Title Insurance Practices.
• R592-15 (REPEALED 08-21-2023) Submission of a Schedule of Minimum Charges for Escrow Services.
• R592-16 Prohibited Escrow Settlement Closing Transactions.
• R592-17 Requirements for Interest Bearing Accounts Used by Title Insurance Agencies for Trust Fund Deposits.