69. Department of Financial Services
69o. DFS, OIR INSURANCE REGULATION

 69O-123.001. Purpose
 69O-123.002. Procedure
 69O-125.002. Unfair Discrimination In Insurance Rates - Multi-Policy Discounts
 69O-125.003. Unfair Discrimination Because Of Travel Plans
 69O-125.005. Use Of Credit Reports And Credit Scores By Insurers
 69O-125.006. Unfair Discrimination In Use Of Credit Reports And Credit Scores And Insurers
 69O-128.025. S
 69O-136.002. Foreign And Alien Insurers Filing For A Certificate Of Authority
 69O-136.004. Surplus Lines
 69O-136.005. Captive Insurers
 69O-136.006. Domestic Insurers Filing For An Application For Permit
 69O-136.011. Domestic Insurers Filing For A Permit Or Preliminary Certificate Of Authority, As Applicable, And Certificate Of Authority
 69O-136.012. Forms Adopted
 69O-136.015. Procedure To Amend An Existing Certificate Of Authority To Add A New Line Of Business
 69O-136.018. S
 69O-136.019. Insurance Administrator Annual Report And Licensure Application
 69O-136.031. Registration As A Purchasing Group
 69O-136.032. Registration As A Risk Retention Group
 69O-136.034. Uniform Certificate Of Authority Expansion Application (Foreign And Alien Insurers Filing For Certificate Of Authority)
 69O-137.001. Annual And Quarterly Reporting Requirements
 69O-137.002. Annual Audited Financial Reports
 69O-137.003. Premium Growth Reporting
 69O-137.004. Reports Of Information By Health Insurers Required
 69O-137.008. Filing Of Statistical And Quarterly Reports For Individually Rated Risks And Excess Rates
 69O-137.009. Filing Procedures For Commercial And Personal Residential Property Supplemental Quarterly Report
 69O-137.013. Florida Hurricane Catastrophe Fund Assessment Information Gathering
 69O-138.001. Naic Financial Condition Examiners Handbook Adopted
 69O-138.002. Financial, Rate, And Market Conduct Examination Reimbursement Expenses
 69O-138.005. Exams By Non Employees
 69O-138.021. Special Consent Investments
 69O-138.041. Scope
 69O-138.043. General Requirements
 69O-138.047. Description Of Actuarial Memorandum Including An Asset Adequacy Analysis And Regulatory Asset Adequacy Issues Summary
 69O-141.003. Plan Of Correction
 69O-141.020. 430, Florida Statutes
 69O-141.021. 7013, Florida Statutes
 69O-142.011. Insurer Conduct Penalty Guidelines
 69O-142.015. Standardized Requirements Applicable To Insurers After Hurricanes Or Natural Disasters
 69O-142.200. Military Sales Practices
 69O-143.013. 76 Of The Act Of Acquisitions Of Shares Of Stock And Stock Options Under Certain Stock Bonus, Stock Option Or Similar Plans
 69O-143.030. Information To Be Furnished To Stockholders
 69O-143.032. Material Required To Be Filed
 69O-143.035. Special Provisions Applicable To Election Contests
 69O-143.041. Definitions
 69O-143.042. Custody Agreement; Requirements
 69O-143.045. Definitions
 69O-143.046. Registration Of Insurers
 69O-143.047. Standards
 69O-143.056. Acquisition Of Controlling Stock
 69O-144.002. Approval Procedures
 69O-144.003. Disclosures
 69O-144.005. Credit For Reinsurance
 69O-144.007. Credit For Reinsurance From Certified Reinsurers
 69O-148.001. Funding Of Preneed Contracts With Life Insurance Or Annuities
 69O-149.002. Scope And Applicability
 69O-149.003. Rate Filing Procedures
 69O-149.004. Experience Records
 69O-149.005. Reasonableness Of Benefits In Relation To Premiums
 69O-149.006. Acturial Memorandum
 69O-149.007. Annual Rate Certification (Arc) Filing Procedures
 69O-149.021. Form Filing Procedures
 69O-149.022. Forms Adopted
 69O-149.023. Review
 69O-149.0025. Defintions
 69O-149.037. Calculation Of Premium Rates
 69O-149.038. Employee Health Care Access Act Statement Reporting Requirement
 69O-149.039. 6699, Florida Statutes, The Employee Health Care Access Act
 69O-149.040. Change Of Status Of Small Employer Carrier&Apos;S Election To Become Risk-Assuming Carrier Or Reinsuring Carrier
 69O-149.041. Marketing Communication Material And Marketing Guidelines
 69O-149.044. Forms
 69O-149.051. Purpose
 69O-149.052. Establishing A Self-Funded Health Benefit Plan
 69O-149.053. On-Going Review Of The Self-Funded Health Benefit Plan
 69O-149.054. Forms Incorporated By Reference
 69O-149.0055. Healthy Lifestyle Rebate
 69O-149.203. Group Conversion Premium
 69O-149.204. Outline Of Coverage
 69O-149.205. Standard Risk Rate
 69O-149.206. Preferred Provider/Exclusive Provider Standard Risk Rates
 69O-149.207. Health Maintenance Organization Standard Risk Rates
 69O-149.303. Cover Florida Plan Disclosure Form
 69O-150.206. Marketing Communications Of Benefits Payable, Losses Covered, And Premiums Payable
 69O-154.110. Certificate Of Creditable Coverage
 69O-154.111. Demonstration Of Creditable Coverage If Certificate Is Not Provided
 69O-154.112. Guaranteed Availability Of Individual Health Coverage To Eligible Individuals
 69O-154.114. Withdrawal From The Individual Market
 69O-154.115. Designation Of Election To Become A Risk-Assuming Or Reinsuring Carrier
 69O-154.201. Scope
 69O-154.202. Definitions
 69O-154.203. Categories Of Reserves
 69O-154.204. Specific Minimum Standards For Morbidity, Mortality And Interest
 69O-154.210. Tables
 69O-154.303. Initial Notice
 69O-154.304. Notice Of Occurrence Of A Qualifying Event
 69O-154.305. Election And Premium Notice Form
 69O-154.410. Withdrawal From The Group Market
 69O-154.512. Withdrawal From The Small Group Market
 69O-156.002. Scope
 69O-156.003. Definitions
 69O-156.004. Policy Definitions And Terms
 69O-156.005. Policy Provisions
 69O-156.006. Minimum Benefit Standards For Pre-Standarized Medicare Supplement Benefit Plan Policies Or Certificates Issued For Delivery Prior To January 1, 1992
 69O-156.007. Benefit Standards For 1990 Standardized Medicare Supplement Benefit Plan Policies Or Certificates Issued Or Delivered On Or After January 1, 1992, And With An Effective Date For Coverage Prior To June 1, 2010
 69O-156.008. Standard Medicare Supplement Benefit Plans For 1990 Standardized Medicare Supplement Benefit Plan Policies Or Certificates Issued For Delivery On Or After January 1,
 69O-156.011. Loss Ratio Standards And Refund Or Credit Of Premium
 69O-156.012. Filing And Approval Of Policies And Certificates And Premium Rates
 69O-156.014. Required Disclosure Provisions
 69O-156.015. Requirements For Application Forms And Replacement Coverage
 69O-156.017. Appropriateness Of Recommended Purchase And Excessive Insurance
 69O-156.018. Reporting Of Multiple Policies
 69O-156.020. Prohibition Against Use Of Genetic Information And Requests For Genetic Testing
 69O-156.030. Medicare Select
 69O-156.0075. Benefit Standards For 2010 Standardized Medicare Supplement Benefit Plan Policies Or Certificates Issued For Delivery With An Effective Date For Coverage On Or After
 69O-156.0085. Standard Medicare Supplement Benefit Plans For 2010 Standardized Medicare Supplement Benefit Plan Policies Or Certificates Issued For Delivery With An Effective Date
 69O-156.0095. Guaranteed Issue For Eligible Persons
 69O-157.004. Out-Of-State Group Long-Term Care Insurance
 69O-157.018. Right To Return Policy - Free Look
 69O-157.104. Policy Practices And Provisions
 69O-157.105. Refund Of Premium
 69O-157.111. Reporting Requirements
 69O-157.114. Filing Requirement - Out Of State Groups
 69O-157.117. Prohibition Against Preexisting Conditions And Probationary Periods In Replacement Policies Or Certificates
 69O-157.201. Standards For Approved Long-Term Care Partnership Program Policies
 69O-157.301. Rate Increase Standards
 69O-157.302. Facility Only Rates
 69O-157.303. Home Health Care Only Rates
 69O-157.304. Comprehensive Only Rates
 69O-157.1100. Requirements For Exchange Of Coverage
 69O-157.1155. Producer Training
 69O-161.001. Purpose
 69O-161.009. Form Availability
 69O-161.010. Guidelines For Prior Authorization Forms
 69O-161.011. Use Of Prior Authorization Form
 69O-162.008. Contract Provision; Expense, Mortality And Investment Increment Factor
 69O-162.012. Valuation Of Account Assets; Reserve Liability
 69O-162.102. Purpose
 69O-162.103. Definitions
 69O-162.104. Individual Annuity Or Pure Endowment Contracts
 69O-162.106. Application Of 1994 Gar Table And The 2012 Iar Mortality Table
 69O-162.108. Tables
 69O-162.201. Adoption Of 2001 Commissioners Standard Ordinary (Cso) Mortality Tables
 69O-162.202. Adoption Of 2001 Commissioners Standard Ordinary (Cso) Ultimate Mortality Tables For Determining Reserve Liabilities For Credit Life Insurance
 69O-162.203. Adoption Of 2001 Commissioners Standard Ordinary (Cso) Preferred Mortality Tables For Determining Reserve Liabilities For Ordinary Life Insurance
 69O-163.009. Determination Of Reasonableness Of Benefits In Relation To Premium Charge
 69O-163.011. Credit Disability Insurance Rates
 69O-163.0075. Term And Evidence Of Insurance
 69O-164.020. Valuation Of Life Insurance Policies
 69O-164.030. Application Of Rule
 69O-164.040. Determining Reserve Liabilities For Preneed Life Insurance
 69O-166.031. Mediation Of Property Insurance Claims
 69O-166.045. Special Purpose Homeowners Insurance Company (Sphic); Notice Requirements
 69O-167.002. Private Passenger Motor Vehicle Insurance; Completion Of Underwriting Notice Of Incorrect Premium, Return Of Unearned Premium
 69O-167.004. Required Preinsurance Inspection Of Private Passenger Motor Vehicles
 69O-167.009. Mortgage Property Insurance Requirements Limited
 69O-167.011. Homeowner&Apos;S Policies: Offer Of Replacement Cost Coverage And Law And Ordinance Coverage
 69O-167.013. Residential Property Insurance Checklists And Disclosures
 69O-167.014. Alternative Methods To Handwritten Statements
 69O-167.015. Home Structure Rating System Adopted
 69O-167.024. Rate Filings For Inland Marine Insurance
 69O-170.003. Calculation Of Underwriting Profit Factor
 69O-170.005. Use Of Filed Rates
 69O-170.006. Rate Manual Filings And Revisions
 69O-170.007. Annual Rate Filings
 69O-170.012. Sinkhole Insurance
 69O-170.013. Filing Procedures For Property And Casualty Insurance Rates, Rules, Underwriting Guidelines, And Forms
 69O-170.014. Homeowners Insurance Ratemaking And Rate Filing Procedures
 69O-170.017. Windstorm Mitigation Discounts
 69O-170.030. Loss Reserve Discounts
 69O-170.101. Title, Scope, Application, And Purpose
 69O-170.103. Demand For Arbitration And Response
 69O-170.105. Costs, Expenses And Fees Of The Arbitration
 69O-170.107. Procedure For Arbitration
 69O-170.109. Selection Of The Arbitration Panel
 69O-170.111. Scope Of The Evidence In A Rate Filing Arbitration
 69O-170.113. Computation Of Time; Service By Mail
 69O-170.115. Filing And Service Of Papers; Signing
 69O-170.117. Discovery
 69O-170.119. Subpoenas And Witnesses; Fees
 69O-170.121. Official Recognition Of Facts
 69O-170.123. Motion Hearings By Telephone
 69O-170.126. Pre-Hearing Conference; Pre-Hearing Stipulation
 69O-170.127. Notice Of Final Hearing; Scheduling
 69O-170.129. Conduct Of Proceedings
 69O-170.131. Conduct Of Formal Hearing; Evidence
 69O-170.133. Post-Hearing Memorandum
 69O-170.135. Final Decision And Award
 69O-170.0135. Actuarial Memorandum
 69O-170.137. Related Laws And Rules
 69O-170.0141. Dwelling Insurance Ratemaking And Rate Filing Procedures
 69O-170.0142. Ratemaking And Rate Filing Procedures For Commercial Residential Insurance And All Other Lines
 69O-170.0143. Ratemaking And Rate Filing Procedures For Liability Insurance For Medical Malpractice
 69O-170.0144. Public Hurricane Loss Projection Model - Fee Schedule
 69O-170.0155. Forms
 69O-170.0195. Reasonable Degree Of Competition Criteria - Monroe County
 69O-171.002. General Reporting Requirements
 69O-171.003. Reports By Insurers Of Professional Liability Claims And Actions Required
 69O-171.004. Reports Of Information By Products Liability Insurers Required
 69O-171.008. Insurer Experience Reporting - Calendar Year Experience
 69O-171.009. Medical Malpractice Insurance Open Claims Reporting
 69O-175.001. Calculation Of Underwriting Profit Factor In Motor Vehicle Insurance Rates
 69O-175.003. Motor Vehicle Insurance Ratemaking And Rate Filing Procedures
 69O-175.008. Discrimination In Private Passenger Motor Vehicle Insurance Rates - Based On History Of Accidents
 69O-175.021. Insurer Experience Reporting - Excessive Profits, Automobile Insurance
 69O-176.013. Notification Of Insured&Apos;S Rights And Standard Disclosure Form; Personal Injury Protection Benefits
 69O-176.022. Mediation Of Bodily Injury And Property Damage Claims
 69O-185.005. Advertisement Of Mortgage Insurance
 69O-185.007. Insurer To Maintain And File Records
 69O-186.003. Insurance Rates
 69O-186.005. Premium Schedule Applicable To &Quot;Truth In Lending&Quot; And Other Endorsements
 69O-186.010. Insurer&Apos;S Assumption Of Certain Liabilities
 69O-186.013. Title Insurance Statistical Gathering
 69O-186.014. Title Insurance Statistical Gathering-Title Insurance Underwriters
 69O-186.016. Forms Adopted
 69O-186.017. Certificate Of Mortgage Release
 69O-187.006. Deficit Assessments And Surplus Funds
 69O-187.007. Continuing Requirements Including Filing Of Reports And Rates
 69O-187.008. Contracts For Excess Insurance
 69O-187.009. Termination Or Merger Of Self-Insurance Trust Fund
 69O-188.022. Filing Of The Commercial Self-Insurance Fund Experience Reporting Form
 69O-188.023. Filing Of The Annual Statement By Commercial Self-Insurance Funds
 69O-188.024. Deficiency/Assessment Procedure
 69O-189.001. General Reporting Requirements
 69O-189.003. Workers&Apos; Compensation: Application And Audit Procedures
 69O-189.004. Deviation Filing Information
 69O-189.007. Insurer Experience Reporting - Excessive Profits, Workers&Apos; Compensation Insurance
 69O-189.014. Workers&Apos; Compensation Rating Plan For Managed Care Premium Credits
 69O-189.015. Workers&Apos; Compensation Insurer Reporting Of Significant Underwriting Changes
 69O-189.016. Filing Procedures For Workers&Apos; Compensation Classifications, Rules, Rates, Rating Plans, Deviations And Forms
 69O-191.029. Maintaining Eligibility For Certificate Of Authority
 69O-191.051. Filing, Approval Of Subscriber Contract And Related Forms
 69O-191.054. Rates
 69O-191.066. Claim Payments
 69O-191.075. Annual And Quarterly Reports
 69O-191.107. Prescribed Forms
 69O-191.0545. Healthy Lifestyle Rebate
 69O-192.058. Forms Incorporated By Reference
 69O-193.023. Escrow Agreements And Amendments
 69O-194.010. Fees
 69O-194.030. Forms Incorporated By Reference
 69O-196.005. Filing Surety Bond In Lieu Of Net Worth
 69O-196.007. Annual Reports
 69O-196.008. Failure To Comply
 69O-196.009. Other Reports And Corrective Action Plans
 69O-196.015. Forms Incorporated By Reference
 69O-196.021. Disclosure Requirements For Insurance Coverages Financed With Personal Injury Protection
 69O-196.025. Statement Of Account; Receipts
 69O-196.035. Required Books And Records
 69O-197.006. Insurance Administrator Annual Report
 69O-198.003. License Required
 69O-198.010. License Continuance
 69O-198.012. Annual Statement And Quarterly Reports
 69O-199.008. General Eligibility Requirements
 69O-199.010. License Renewal
 69O-199.012. Annual Statement
 69O-199.015. Forms Incorporated By Reference
 69O-200.004. Qualification To Obtain And Hold A License
 69O-200.005. Use Of The Statutory Deposit
 69O-200.006. Contractual Liability Insurers
 69O-200.007. Cancellation Refunds
 69O-200.009. Form Filings
 69O-200.014. Exemption From Financial Examination
 69O-200.015. Forms Incorporated By Reference
 69O-201.010. License Continuance
 69O-201.012. Annual Statement And Quarterly Reports
 69O-202.015. Forms Incorporated By Reference
 69O-203.021. Standards For Fingerprint Cards For New Applicants And Acquisition Applications
 69O-203.042. Filing, Approval Of Subscriber Contract And Related Forms
 69O-203.045. Rates
 69O-203.070. Annual And Quarterly Reports
 69O-203.100. Prescribed Forms
 69O-203.201. Definitions
 69O-203.202. Standards For Discount Plans
 69O-203.203. Standards For The Form And Content Of Advertisements Or Marketing Materials
 69O-203.204. Filing, Approval Of Dmpo Plans, Rates And Related Forms
 69O-203.205. Bundled Products
 69O-203.210. Forms Incorporated By Reference
 69O-204.010. Purpose And Scope
 69O-204.020. Definitions
 69O-204.030. Forms Incorporated By Reference
 69O-204.040. Prohibited Practices And Conflicts Of Interest
 69O-204.050. Anti-Fraud
 69O-204.060. Required Supplemental Annual Transaction Detail
 69O-204.070. Anti-Fraud
 69O-204.101. Disclosures To Viator Of Disbursement
 69O-204.201. Life Expectancy Providers
 69O-207.001. Late Filed Reports - Fine Schedule
 69O-207.002. Electronic Filing
 69O-207.003. Forms Incorporated By Reference
 69O-211.001. Purpose
 69O-211.002. General Procedures
 69O-211.003. License To Sell Life Insurance To Fund Prearranged Funeral Services Or Merchandise
 69O-211.004. Appointment Renewal Procedure
 69O-211.005. Fees
 69O-211.007. Effective Date Of Termination Of Appointment
 69O-211.010. Purpose
 69O-211.011. Photo Identification Required
 69O-211.012. Exemptions To Photo Identification Requirement
 69O-211.020. Purpose
 69O-211.021. Definitions
 69O-211.022. Character And Credit Reports Required
 69O-211.0035. Licensure Application Procedure
 69O-211.040. Purpose And Scope
 69O-211.041. Definitions
 69O-211.042. Effect Of Law Enforcement Records On Applications For Licensure
 69O-211.110. Purpose
 69O-211.120. Scope
 69O-211.130. Definitions
 69O-211.140. Entities
 69O-211.150. School Officials
 69O-211.160. Instructors
 69O-211.170. Courses
 69O-211.180. Schedule And Attendance Records
 69O-211.190. Certification Of Students
 69O-211.200. Attendance
 69O-211.210. Exempted Courses
 69O-211.220. Examinations
 69O-211.230. Fees
 69O-211.240. Facilities
 69O-211.250. Advertising
 69O-211.260. Study Aids
 69O-211.270. Prohibited Practices
 69O-211.280. Falsification Of Reports
 69O-211.290. Forms
 69O-211.300. Transition Time In The Event Of Rule Changes
 69O-211.310. Penalties
 69O-211.320. Curriculum Standards For Special Designation
 69O-213.010. Purpose And Scope
 69O-213.020. Definitions
 69O-213.040. Who May Appoint A Customer Representative
 69O-213.050. Limits On Lines And Products The Customer Representative May Handle
 69O-213.060. Appointment Of Customer Representative And Designation Of Supervising Agent
 69O-213.070. Termination Of Appointment Or Supervision
 69O-213.080. Duties Of Appointing Agent
 69O-213.090. Duties Of Appointing Agency
 69O-213.100. Duties Of Designated Supervising Agent
 69O-213.110. Customer Representative&Apos;S Duties
 69O-213.120. Duty To Supervise Explained
 69O-213.130. The Customer Representative&Apos;S Authority; Limitations
 69O-215.210. Scope
 69O-215.215. Twisting
 69O-215.220. Rebating
 69O-215.225. Defamation
 69O-215.230. Misrepresentations
 69O-220.001. Pre-Qualification And Licensure Of Emergency Adjusters
 69O-220.051. Conduct Of Public Adjusters
 69O-220.201. Ethical Requirements
 69O-221.001. License Required
 69O-221.003. Managing General Agents
 69O-221.005. Currently Revoked, Suspended Or Denied License
 69O-221.051. Actively Engaged In Business; Place Suitably Designated; Accessible To Public
 69O-221.055. Permanent Office Records Required
 69O-221.060. Notice Of Change Of Address
 69O-221.065. Statistical Reporting Form
 69O-221.070. Build-Up Funds; Reporting
 69O-221.075. Power Of Attorney; Penal Sum Of Bond; Not Applicable To Automobile Clubs
 69O-221.080. Professional Bail Bond Agent; Justification And Sufficiency Of Sureties
 69O-221.085. Rate Filing; Approval; Proof
 69O-221.095. Soliciting Business
 69O-221.100. Terms And Conditions Of Contract; Surrender Form
 69O-221.105. Premium Charge Only Permitted
 69O-221.110. Premium Shall Be Term Charge; Premium Refund; When
 69O-221.115. Pre-Numbered Receipt As Evidence Of Payment
 69O-221.120. Pre-Numbered Receipt As Evidence Of Collateral
 69O-221.125. Collateral Security; Affidavit; Form
 69O-221.130. Collateral Security; Statement; Form
 69O-221.135. Collateral Security Requirements
 69O-221.140. Indemnity Agreement; Form
 69O-221.145. Use Of Credit Cards And Cash Advance Facilities In Conjunction With Issuing Bail Bonds
 69O-221.150. Department May Request Information
 69O-228.010. Purpose
 69O-228.020. Scope
 69O-228.030. Definitions
 69O-228.040. Course Providers
 69O-228.050. School Officials
 69O-228.060. Instructors And Supervising Instructors
 69O-228.080. Course Approval; Requirements; Guidelines
 69O-228.090. Course Offerings And Attendance Records
 69O-228.100. Certification Of Students
 69O-228.110. Textbooks
 69O-228.120. Course Fees
 69O-228.130. Facilities
 69O-228.150. Advertising
 69O-228.160. Prohibited Practices
 69O-228.180. Forms
 69O-228.190. Transition Time In The Event Of Rule Changes
 69O-228.210. Penalties For Course Providers, School Officials, Supervising Instructors, Instructors, And Monitors
 69O-228.220. Licensee Compliance; Requirements; Penalties For Non-Compliance
 69O-228.230. Extensions
 69O-228.240. Applicabilitiy Of Continuing Education Requirement For New Licensees
 69O-228.250. Exempted Licensees
 69O-238.001. Application And Renewal
 69O-238.002. Change In Information