North Dakota Administrative Code Title 45 - Insurance, Commissioner of
Here’s a refined summary of North Dakota Administrative Code (NDAC) Title 45 – Insurance, Commissioner of:
🏛️ Overview & Organization
Title 45 governs all aspects of insurance regulation under the authority of the North Dakota Insurance Commissioner (codified in NDCC Title 26.1 and ND Constitution Article V, §12). The Commissioner’s duties include overseeing insurance companies, producers, life/health/property & casualty lines, fraud, consumer privacy, life settlements, bail bonds, fire marshal duties, and more (law.cornell.edu, law.cornell.edu).
Articles & Key Topics
Article 45‑01: General Administration
Organization of the department, commissioner powers, state fire marshal role, and fire prevention regulations (law.cornell.edu).
Article 45‑02: Insurance Producers, Consultants & Administrators
Licensing rules for resident and nonresident producers, consultants, surplus lines, temporary licenses, exam validity, and application procedures (law.cornell.edu, ndlegis.gov).
Article 45‑03: Regulation of Insurance Companies
Covers insurer financial standards, holding company systems, reinsurance, premium tax, foreign and unauthorized insurers, subrogation, unfair discrimination, actuarial filings, annual reporting, unclaimed benefits, corporate governance, and more (regulations.justia.com).
Article 45‑04: Life Insurance
Definitions (like “buyer’s guide,” “cash dividend,” equivalent-level death benefit), policyholder disclosures, dividend mechanics, payout structures etc. (regulations.justia.com, regulations.vlex.com).
Article 45‑05: Property & Casualty Insurance
Includes provisions on self-insurance (e.g., for auto accident security), certificates for self-insurers, financial security, deposits and annual statements (regulations.justia.com, ndlegis.gov).
Article 45‑06: Accident & Health Insurance
Regulations on small employer health benefit plans: carrier behavior, premium-rate filings, marketing standards, guaranteed issuance, transition of business, restrictive riders, fair marketing, reporting requirements, and enforcement (insurance.nd.gov).
Other Articles
45‑07: Credit insurance
45‑08: Group insurance
45‑09: Unauthorized insurers
45‑11: Life & Health Insurance Guaranty Association
45‑13: Lines of Insurance
45‑14: Consumer Privacy
45‑15: Insurance Fraud
45‑16: Life Settlements
45‑17: Bail Bondsmen
45‑18: Fire Marshal
(Articles 45‑10 and 45‑12 are repealed.) (regulations.justia.com)
📌 Usage & Updates
Regulations are updated quarterly; the online sources (e.g., Justia, Cornell LII) offer current snapshots but may lag official state amendments (
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