Kansas Administrative Regulations Agency 40 - INSURANCE DEPARTMENT
Here is a detailed overview of Kansas Administrative Regulations – Agency 40 (Insurance Department):
📚 Structure of Agency 40 – Insurance Department
As defined on the Kansas Insurance Department’s site and legal repositories such as Cornell and Justia, Agency 40 is organized into multiple articles addressing the regulation of insurance in Kansas (insurance.ks.gov, regulations.justia.com):
Article 1 – General (§40‑1‑1 to §40‑1‑54)
Article 2 – Life Insurance (§40‑2‑1 to §40‑2‑31)
Article 3 – Fire & Casualty Insurance (§40‑3‑1 to §40‑3‑60)
Article 4 – Accident & Health Insurance (§40‑4‑1 to §40‑4‑43)
Article 5 – Credit Insurance (§40‑5‑1 to §40‑5‑111)
Article 6 – Investments & Deposits of Securities (§40‑6‑1 to §40‑6‑16)
Article 7 – Agents (§40‑7‑1 to §40‑7‑27)
Article 8 – Excess Coverage (§40‑8‑1 to §40‑8‑13)
Article 9 – Advertising (§40‑9‑1 to §40‑9‑126)
Article 10 – Firefighter’s Relief Fund Tax (§40‑10‑1 to §40‑10‑16)
Article 11 – Proxies, Consents & Authorizations (§40‑11‑1 to §40‑11‑12)
Article 12 – Sale of Stock (§40‑12‑1 to §40‑12‑19)
Article 13 – Insider Stock Trading (§40‑13‑1 to §40‑13‑26)
Article 14 – Insurance Premium Finance Cos. (§40‑14‑1 to §40‑14‑10)
(Other articles may continue beyond Article 15) (law.cornell.edu)
🔍 Notable Article Highlights
Article 1 – General
Covers operational rules including company formation, premium financing, consumer privacy, and unfair claims settlement practices.
Section 40‑1‑34 adopts the NAIC’s unfair claims settlement model (Jan 1981), with some exceptions (insurance.ks.gov).
Section 40‑1‑46 addresses privacy of consumer financial/health information (casetext.com).
Article 2 – Life Insurance
Section 40‑2‑15 requires a 10-day free-look period for individual life policies, with full premium refund barring variable products (law.cornell.edu).
Article 3 – Fire & Casualty Insurance
Extensive rules on rate filings, cancellation notices, dividend payments, binder requirements, and auto liability specifics (§40‑3‑1 to §40‑3‑60) (insurance.ks.gov).
Section 40‑3‑12 was recently revoked (Nov 3, 2023) regarding rating duplication rules (klrd.gov).
Article 4 – Accident & Health Insurance
Defines standards for limited benefit policies, long‑term care, specified disease policies, claim forms, utilization review, and renewability (klrd.gov).
Section 40‑4‑29a (renewability rules) was revoked effective July 12, 2024 (klrd.gov).
🗓️ Recent Rulemaking & Updates
Several hearings have been held to propose amendments or revocations:
Sept 7, 2023: Proposal to revoke 40‑2‑14a and 40‑3‑12 (klrd.gov).
May 22, 2024: Hearing proposed to revoke 40‑4‑29a, amend 40‑1‑36, and 40‑8‑7 (kssos.org).
For the final dispositions and effective dates, check the Kansas Register or the Kansas Insurance Department website.
📂 Accessing Full Text & Tracking Updates
Kansas Insurance Department offers adopted regulation PDFs (e.g., Article 1 general, NAIC model adoption) (insurance.ks.gov, insurance.ks.gov).
Cornell LII and Justia provide browsable versions of each Article and Section .
KLRD PDFs include table of changes and amendment status (active/revoked) (klrd.gov).
✅ Summary
Agency 40 provides a comprehensive regulatory framework for all types of insurance activity in Kansas—covering company structure, product lines, sales practices, underwriting, advertising, and financial aspects. Numerous recent revisions keep the framework updated, with public hearings scheduled to streamline or modernize provisions.
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