Utah Insurance Rules
R590 and R592
Insurance rules are issued to implement or interpret the Utah Insurance Code or federal mandates and have the effect of law.
R590. Insurance, Administration. These rules regulate the sale of all insurance and insurance-related products in the state.
R592. Insurance, Title and Escrow Commission. These rules are specific to the sale of title insurance and performance of title-related escrow business in the state.
Petition for a Rule Change
A law passed by the 2006 Legislature sets up a procedure to petition a state agency to amend or repeal existing rules. The following links will provide you with a petition form, as well as a link to the law and rule regarding it.
Rules Being Proposed, Changed or Repealed
Your written comments are encouraged. Please direct your comments to Steve Gooch
by email: sgooch@utah.gov;
by fax: (385) 465-0647;
or by mail: 4315 S. 2700 W., Suite 2300, Taylorsville, UT 84129.
In compliance with the Americans with Disabilities Act, individuals desiring to attend a hearing listed below, who need special accommodations during the hearing (including auxiliary communicative aids and services), should notify us as directed above.
If no hearing is scheduled on a rule listed below, the department will schedule one if they receive requests by mail, email or fax from 10 or more individuals or an organization composed of 10 or more members.
- R590-164-5, Electronic Data Interchange Transactions.
This is an amendment to an existing rule. Comments accepted until 12/02/2024. No hearing is scheduled. Earliest possible effective date is 12/09/2024.
Rules Completing the Rulemaking Process
- R590-79-3, Definitions.
Rule changes put into effect 11/07/2024. - R590-229, Annuity Disclosure.
Rule changes put into effect 11/07/2024. - R590-148, Long-Term Care Insurance Rule.
Rule changes put into effect 10/22/2024. - R590-262, Health Data Authority Health Insurance Claims Reporting.
Rule changes put into effect 10/22/2024. - R590-285, Limited Long-Term Care Insurance.
Rule changes put into effect 10/22/2024. - R590-142, Continuing Education Rule.
Rule changes put into effect 09/10/2024. - R590-186-4, Initial and Renewal Agency License.
Rule changes put into effect 09/10/2024. - R590-238, Captive Insurance Companies.
Rule changes put into effect 09/10/2024. - R590-273, Continuing Care Provider Rule.
Rule changes put into effect 09/10/2024. - R590-282-3, Licensing.
Rule changes put into effect 09/10/2024. - R592-9, Assessment for Title Insurance Recovery, Education, and Research Fund.
Rule changes put into effect 09/10/2024. - R592-10, Assessment for the Title Licensee Enforcement Restricted Account.
Rule changes put into effect 09/10/2024. - R590-146, Medicare Supplement Insurance Standards.
Rule changes put into effect 08/07/2024. - R590-164-5, Electronic Data Interchange Transactions.
Rule changes put into effect 07/23/2024. - R590-271, Data Reporting for Consumer Quality Comparison.
Rule changes put into effect 07/23/2024. - R590-102, Insurance Department Fee Payment Rule.
Rule repealed effective 07/01/2024. - R590-190-11, Standards for Prompt, Fair, and Equitable Settlement for Automobile Insurance.
Rule changes put into effect 06/07/2024. - R590-200, Diabetes Treatment and Management.
Rule changes put into effect 06/07/2024. - R590-230-5, Producer Training.
Rule changes put into effect 06/07/2024. - R592-6, Unfair Inducements and Marketing Practices in Obtaining Title Insurance Business.
Rule changes put into effect 06/07/2024. - R590-271 opens in a new tab, Data Reporting for Consumer Quality Comparison.
Rule changes put into effect 03/11/2024. - R590-167 opens in a new tab, Individual, Small Employer, and Group Health Benefit Plan Rule.
Rule changes put into effect 02/21/2024. - R590-171 opens in a new tab, Surplus Lines Procedures Rule.
Rule changes put into effect 01/24/2024. - R590-190 opens in a new tab, Unfair Property, Casualty, and Title Claims Settlement Practices Rule. (First CPR opens in a new tab) (Original filing opens in a new tab)
Rule changes put into effect 01/24/2024. - R590-281 opens in a new tab, License Application Submitted by an Individual Who Has a Criminal Conviction or Pending Proceeding.
Rule changes put into effect 01/24/2024. - R590-164-5 opens in a new tab, Electronic Data Interchange Transactions.
Rule changes put into effect 01/10/2024. - R590-267 opens in a new tab, Personal Injury Protection Relative Value Study Rule.
Rule changes put into effect 01/01/2024. - R590-238 opens in a new tab, Captive Insurance Companies.
Rule changes put into effect 12/22/2023. - R590-230 opens in a new tab, Suitability in Annuity Transactions.
Rule changes put into effect 12/8/2023. - R590-206 opens in a new tab, Privacy of Consumer Financial and Health Information Rule.
Rule changes put into effect 11/21/2023. - R590-210 opens in a new tab, Privacy of Consumer Information Exemption for Manufacturer Warranties and Service Contracts.
Rule repealed effective 11/21/2023. - R590-223 opens in a new tab, Rule to Recognize the 2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits.
Rule changes put into effect 11/21/2023. - R590-240 opens in a new tab, Procedure to Obtain Exemption of Student Health Programs From Title 31A, Insurance Code.
Rule changes put into effect 11/21/2023. - R590-242 opens in a new tab, Military Sales Practices.
Rule changes put into effect 11/21/2023. - R590-259 opens in a new tab, Dependent Coverage to Age 26.
Rule changes put into effect 11/21/2023.
Note: This section tracks rule changes during the current year and the immediately preceding year.
Current 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 opens in a new tab 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 opens in a new tab Proxy Solicitations and Consent and Authorization of Stockholders of Domestic Stock Insurers.
- Proxy Form for R590-067
- R590-68 opens in a new tab Insider Trading of Equity Securities of Domestic Stock Insurance Companies.
- R590-70 opens in a new tab Insurance Holding Companies.
- Form A opens in a new tab: Statement Regarding the Acquisition of Control of or Merger with a Domestic Insurer
- Form B opens in a new tab: Insurance Holding Company System Annual Registration Statement
- Form C opens in a new tab: Summary of Changes to Registration Statement
- Form D opens in a new tab: Prior Notice of a Transaction
- Form E opens in a new tab: 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 opens in a new tab: Enterprise Risk Report
- R590-76 (REPEALED 10-12-2021) Health Maintenance Organizations and Limited Health Plans.
- R590-79 opens in a new tab Life Insurance Disclosure Rule.
- R590-83 opens in a new tab Unfair Discrimination on the Basis of Sex or Marital Status.
- R590-85 opens in a new tab 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 opens in a new tab Credit Life Insurance and Credit Accident and Health Insurance.
- R590-91 Attachment: Credit Disability Insurance opens in a new tab
- 1968 Proceedings of the NAIC Vol. II opens in a new tab
- 2002-2 opens in a new tab, Credit Accident & Health Insurance Prima Facie Rates for Open-End Loans.
- R590-93 opens in a new tab Replacement of Life Insurance and Annuities.
- R590-94 opens in a new tab Rule Permitting Smoker/Nonsmoker Mortality Tables for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits.
- R590-95 opens in a new tab Rule to Permit the Same Minimum Nonforfeiture Standards for Men and Women Insureds Under the 1980 CSO and 1980 CET Mortality Tables.
- R590-96 opens in a new tab Rule to Recognize New Annuity Mortality Tables for Use in Determining Reserve Liabilities for Annuities.
- R590-98 opens in a new tab Unfair Practice in Payment of Life Insurance and Annuity Policy Values.
- R590-102 (REPEALED 07-01-2024) Insurance Department Fee Payment Rule.
- R590-103 opens in a new tab Security Deposits.
- R590-108 opens in a new tab Interest Rate During Grace Period or Upon Reinstatement of Policy.
- R590-114 opens in a new tab Letters of Credit.
- R590-116 opens in a new tab Valuation of Assets.
- R590-117 opens in a new tab Valuation of Liabilities.
- R590-120 opens in a new tab Surety Bond Forms.
- R590-121 opens in a new tab Rate Modification Plan Rule.
- R590-122 opens in a new tab Permissible Arbitration Provisions.
- R590-124 opens in a new tab Loss Information Rule.
- R590-126 opens in a new tab Accident and Health Insurance Standards.
- R590-127 opens in a new tab Rate Filing Exemptions.
- R590-128 opens in a new tab Unfair Discrimination Based on the Failure to Maintain Automobile Insurance. (Revised.)
- R590-129 opens in a new tab Unfair Discrimination Based Solely Upon Blindness or Physical or Mental Impairment.
- R590-130 opens in a new tab Rules Governing Advertisements of Insurance.
- R590-131 opens in a new tab Accident and Health Coordination of Benefits Rule.
- R590-132 opens in a new tab Insurance Treatment of Human Immunodeficiency Virus (HIV) Infection.
- R590-133 opens in a new tab Variable Contracts.
- R590-140 opens in a new tab Reference Filings of Rate Service Organization Prospective Loss Costs.
- R590-142 opens in a new tab Continuing Education Rule.
- R590-143 opens in a new tab Life and Health Reinsurance Agreements.
- R590-144 opens in a new tab Commercial Aviation Insurance Exemption from Rate and Form Filing.
- R590-146 opens in a new tab Medicare Supplement Insurance Standards.
- Medicare Supplement Refund Calculation Form opens in a new tab
- Reporting Form for the Calculation of Benchmark Ratio Since Inception for Group Policies opens in a new tab
- Reporting Form for the Calculation of Benchmark Ratio Since Inception for Individual Policies opens in a new tab
- Form for Reporting Medicare Supplement Policies opens in a new tab
- 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 opens in a new tab
- Outline of Medicare Supplement Coverage opens in a new tab
- 2010 Medicare Supplement Rate Data Template opens in a new tab
- R590-147 opens in a new tab Annual and Quarterly Statement Filing Instructions.
- R590-148 opens in a new tab Long-Term Care Insurance Rule.
- Claims Denial Reporting Form Long-Term Care Insurance
- Long-Term Care Insurance Outline of Coverage
- Long-Term Care Insurance Personal Worksheet
- Long-Term Care Insurance Replacement and Lapse Reporting Form
- Long-Term Care Insurance Suitability Letter
- Notice to Applicant Regarding Replacement of Accident and Sickness or Long-Term Care Insurance
- Notice to Applicant Regarding Replacement of Individual Accident and Sickness or Long-Term Care Insurance
- Rescission Reporting Form for Long-Term Care Policies
- Suitability Reporting Form Long-Term Care Insurance
- Things You Should Know Before You Buy Long-Term Care Insurance
- Triggers for a Substantial Premium Increase
- Worksheet Potential Rate Increase Disclosure Form
- R590-149 opens in a new tab Americans with Disabilities Act (ADA) Grievance Procedures.
- R590-150 opens in a new tab Commissioner’s Acceptance of Examination Reports.
- R590-151 (REPEALED 01-10-2022) Records Access Rule.
- R590-152 opens in a new tab Health Discount Programs and Value Added Benefit Rule.
- R590-154 opens in a new tab Unfair Marketing Practices Rule; Misleading Names.
- R590-155 opens in a new tab Utah Life and Health Insurance Guaranty Association Summary Document.
- R590-157 opens in a new tab Surplus Lines Insurance Premium Tax and Stamping Fee.
- R590-160 opens in a new tab Administrative Proceedings.
- R590-161 opens in a new tab Disability Income Policy Disclosure.
- R590-162 opens in a new tab Actuarial Opinion and Memorandum Rule.
- R590-164 opens in a new tab Uniform Health Billing Rule.
- R590-166 opens in a new tab Home Protection Service Contract Rule.
- R590-167 opens in a new tab Individual, Small Employer, and Group Health Benefit Plan Rule.
- R590-170 opens in a new tab Fiduciary and Trust Account Obligations.
- R590-171 opens in a new tab Surplus Lines Procedures Rule.
- R590-173 opens in a new tab Credit for Reinsurance.
- R590-176 opens in a new tab Health Benefit Plan Enrollment.
- R590-177 opens in a new tab Life Insurance Illustrations Rule.
- R590-178 opens in a new tab Securities Custody.
- R590-181 opens in a new tab Yankee Bond Rule.
- R590-182 (REPEALED 02-08-2022) Risk-Based Capital Instructions.
- R590-186 opens in a new tab Bail Bond Surety Business.
- R590-190 opens in a new tab Unfair Property, Liability and Title Claims Settlement Practices Rule.
- R590-191 opens in a new tab Unfair Life Insurance Claims Settlement Practices Rule.
- R590-192 opens in a new tab Unfair Accident and Health Claims Settlement Practices Rule.
- R590-194 opens in a new tab Coverage of Dietary Products for Inborn Errors of Amino Acid or Urea Cycle Metabolism.
- R590-196 opens in a new tab Bail Bond Surety Fee Standards, Collateral Standards, and Disclosure Form.
- R590-197 opens in a new tab Treatment of Guaranty Association Assessments as Qualified Assets.
- R590-198 opens in a new tab Valuation of Life Insurance Policies Rule.
- R590-199 opens in a new tab Plan of Orderly Withdrawal Rule Relating to Health Benefit Plans.
- R590-200 opens in a new tab Diabetes Treatment and Management.
- R590-203 opens in a new tab Health Grievance Review Process.
- R590-206 opens in a new tab Privacy of Consumer Financial and Health Information Rule.
- R590-207 opens in a new tab Health Producer Commissions for Small Employer Groups.
- R590-208 opens in a new tab Uniform Application for Certificates of Authority.
- R590-210 (REPEALED 11-21-2023) Privacy of Consumer Information Exemption for Manufacturer Warranties and Service Contracts.
- R590-215 opens in a new tab Permissible Arbitration Provisions for Individual and Group Health Insurance.
- R590-216 opens in a new tab Standards for Safeguarding Customer Information.
- R590-218 (REPEALED 06-07-2019) Permitted Language for Reservation of Discretion Clauses.
- R590-219 opens in a new tab Credit Scoring.
- R590-220 opens in a new tab Submission of Accident and Health Insurance Filings.
- A & H Bona Fide Employer Association Group Authorization opens in a new tab
- A & H Discretionary Group Authorization opens in a new tab
- A & H Filing Certification opens in a new tab
- A & H Group Questionnaire opens in a new tab
- NAIC Uniform Accident & Health, Annuity & Credit Coding Matrix opens in a new tab
- 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 opens in a new tab Life Settlements.
- Antifraud Plan Content Checklist and Certification opens in a new tab
- Appendix A opens in a new tab: Initial Application
- Appendix B opens in a new tab: Provider Annual Report
- Appendix C opens in a new tab: Selling Your Life Insurance Policy (brochure)
- Appendix D opens in a new tab: Verification of Coverage for Individual Policies
- Appendix E opens in a new tab: Provider Renewal Application
- R590-223 opens in a new tab Rule to Recognize the 2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits.
- R590-225 opens in a new tab Submission of Property and Casualty Rate and Form Filings.
- NAIC Transmittal Sheet opens in a new tab
- NAIC Uniform Property and Casualty Product Coding Matrix opens in a new tab
- 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 opens in a new tab
- Utah Insurer Loss Cost Multiplier Filing Form opens in a new tab
- R590-226 opens in a new tab Submission of Life Insurance Filings.
- R590-227 opens in a new tab Submission of Annuity Filings.
- R590-228 opens in a new tab Submission of Credit Life and Credit Accident and Health Insurance Form and Rate Filings.
- R590-229 opens in a new tab Annuity Disclosure.
- R590-230 opens in a new tab 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 opens in a new tab Health Benefit Plan Insurance Standards.
- R590-235 opens in a new tab Medicare Prescription Drug Plan.
- R590-237 opens in a new tab Access to Health Care Providers in Rural Counties.
- R590-238 opens in a new tab Captive Insurance Companies.
- R590-239 opens in a new tab Exemption of Student Health Centers from Insurance Code.
- R590-240 opens in a new tab Procedure to Obtain Exemption of Student Health Programs From Insurance Code.
- R590-241 opens in a new tab Rule to Recognize the Preferred Mortality Tables for Use in Determining Minimum Reserve Liabilities.
- R590-242 opens in a new tab Military Sales Practices.
- R590-243 opens in a new tab Commercial Motor Vehicle Insurance Coverage.
- R590-244 opens in a new tab Individual and Agency Licensing Requirements.
- R590-245 opens in a new tab Self-Service Storage Insurance.
- R590-246 (REPEALED 01-10-2023) Professional Employer Organization (PEO) License Application Rule.
- R590-247 opens in a new tab Universal Health Insurance Application Rule.
- R590-248 (REPEALED 08-22-2023) Mandatory Fraud Reporting Rule.
- R590-249 opens in a new tab Secondary Medical Condition Exclusion.
- R590-250 opens in a new tab PEO Assurance Organization Designation.
- R590-251 opens in a new tab Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values Rule.
- R590-252 opens in a new tab Use of Senior-Specific Certifications and Professional Designations.
- R590-254 opens in a new tab Annual Financial Reporting Rule.
- R590-258 opens in a new tab Email Address Requirement.
- R590-259 opens in a new tab Dependent Coverage to Age 26.
- R590-260 (REPEALED 01-22-2020) Utah Defined Contribution Risk Adjuster Plan of Operation.
- R590-261 opens in a new tab Health Benefit Plan Adverse Benefit Determinations.
- R590-262 opens in a new tab Health Data Authority Health Insurance Claims Reporting.
- R590-264 opens in a new tab Property and Casualty Actuarial Opinion Rule.
- R590-265 opens in a new tab Hazardous Financial Condition Rule.
- R590-266 opens in a new tab Utah Essential Health Benefits Package.
- R590-267 opens in a new tab Personal Injury Protection Relative Value Study Rule.
- R590-268 opens in a new tab Small Employer Stop-Loss Insurance.
- R590-269 opens in a new tab Individual Open Enrollment Period.
- R590-270 (REPEALED 12-08-2022) Risk Adjustment Data Submission Requirements.
- R590-271 opens in a new tab Data Reporting for Consumer Quality Comparison.
- R590-272 Commission Compensation Reporting.
- R590-273 opens in a new tab Continuing Care Provider Rule.
- R590-274 opens in a new tab Submission and Required Disclosures of Public Adjuster Contracts.
- R590-275 opens in a new tab Qualified Health Plan Alternate Enrollment.
- R590-276 opens in a new tab Record Retention for Foreign Insurers, Alien Insurers, Commercially Domiciled Insurers, Foreign Title Insurers and Foreign Fraternals.
- R590-277 opens in a new tab Managed Care Health Benefit Plan Policy Standards.
- R590-278 (REPEALED 06-08-2020) Consent Requests Under 18 U.S.C. § 1033(e)(2).
- R590-279 opens in a new tab Rule Designating Fraud Division Offices As A Secured Area.
- R590-280 opens in a new tab Counting Short-Term Funds.
- R590-281 opens in a new tab License Applications Submitted by Individuals Who Have a Criminal Conviction.
- R590-282 opens in a new tab Pharmacy Benefit Manager Reporting.
- R590-283 opens in a new tab Defrayal of State-Required Benefits.
- R590-284 opens in a new tab Corporate Governance Annual Disclosure Rule.
- R590-285 opens in a new tab Limited Long-Term Care Insurance.
- Appendix A opens in a new tab: Potential Premium Increase Disclosure Form
- Appendix B opens in a new tab: 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 opens in a new tab: Notice to Applicant Regarding Replacement of Accident and Sickness or Limited Long-Term Care Insurance or Long-Term Care Insurance
- Appendix D opens in a new tab: Outline of Coverage
- Appendix E opens in a new tab: Replacement and Lapse Reporting Form
- Appendix F opens in a new tab: Guidelines for Long-Term Care Independent Review Entities
- R590-286 opens in a new tab Minimum Standards for Short-Term Limited Duration Health Insurance.
- R590-287 opens in a new tab Manufacturer Data Reporting
- R590-288 opens in a new tab Limited Line Producer Line of Authority for Pet Insurance
- R590-289 opens in a new tab Term and Universal Life Insurance Reserve Financing
Title & Escrow Commission Rules (R592)
- R592-1 opens in a new tab Title Insurance Licensing.
- R592-5 opens in a new tab Title Insurance Product or Service Approval for a Dual Licensed Title Licensee.
- R592-6 opens in a new tab Unfair Inducements and Marketing Practices in Obtaining Title Insurance Business.
- R592-7 opens in a new tab Title Insurance Continuing Education.
- R592-8 opens in a new tab Application Process for an Attorney Exemption for Agency Title Insurance Producer Licensing.
- R592-9 opens in a new tab Title Insurance Recovery, Education, and Research Fund Assessment Rule.
- R592-10 opens in a new tab Title Insurance Regulation Assessment for Agency Title Insurance Producers and Title Insurers.
- R592-11 opens in a new tab Title Insurance Producer Annual Reports.
- R592-14 opens in a new tab 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 opens in a new tab Prohibited Escrow Settlement Closing Transactions.
- R592-17 opens in a new tab Requirements for Interest Bearing Accounts Used by Title Insurance Agencies for Trust Fund Deposits.