The commissioner may disapprove any form filed under Section 27-14-8 or withdraw any previous approval thereof only if the form:
(1) Is in any respect in violation of, or does not comply with, this title;
(2) Contains or incorporates by reference, where such incorporation is otherwise permissible, any inconsistent, ambiguous, or misleading clauses or exceptions and conditions which deceptively affect the risk purported to be assumed in the general coverage of the contract;
(3) Has any title, heading, or other indication of its provisions which is misleading;
(4) Is printed, or otherwise reproduced, in such manner as to render any provision of the form substantially illegible; or
(5) Contains provisions which are unfair, or inequitable, or contrary to the public policy of this state or which would, because such provisions are unclear or deceptively worded, encourage misrepresentation.
Structure Code of Alabama
Chapter 14 - The Insurance Contract.
Section 27-14-1 - Definitions.
Section 27-14-2 - Applicability of Chapter.
Section 27-14-3 - Insurable Interest - Personal Insurance; Preneed Contracts.
Section 27-14-4 - Insurable Interest - Property Insurance.
Section 27-14-5 - Power to Contract; Purchase of Insurance by or for Minors.
Section 27-14-7 - Application for Policy - Representations and Misrepresentations, Etc.
Section 27-14-8 - Forms - Filing and Approval or Disapproval.
Section 27-14-9 - Forms - Grounds for Disapproval or Withdrawal of Previous Approval.
Section 27-14-10 - Standard or Uniform Provisions; Waiver or Substitution Thereof.
Section 27-14-11 - Contents of Policies - Generally.
Section 27-14-12 - Contents of Policies - Additional Provisions.
Section 27-14-13 - Charter, Bylaws, etc., of Insurer as Part of Contract.
Section 27-14-14 - Execution of Policies.
Section 27-14-15 - Underwriters' and Combination Policies.
Section 27-14-16 - Noncomplying Policies, Riders, and Endorsements.
Section 27-14-17 - Construction of Policies.
Section 27-14-19 - Delivery of Policies.
Section 27-14-19.1 - Electronic Delivery of Property or Casualty Insurance Policy.
Section 27-14-20 - Renewal or Extension of Policies.
Section 27-14-21 - Assignment of Policies.
Section 27-14-22 - Situs of Contracts.
Section 27-14-23 - Effect of War on Contracts of Foreign Insurer.
Section 27-14-24 - Effect of Payments.
Section 27-14-25 - Receipt and Giving of Acquittance and Discharge for Payment by Minors.
Section 27-14-26 - Forms for Proof of Loss.
Section 27-14-27 - Acts Not Deemed Waiver of Provisions or Defenses.
Section 27-14-28 - Effect of Misrepresentations in Proof of Loss.
Section 27-14-30 - Right to Proceeds When Same Retained by Life Insurer.
Section 27-14-31 - Exemption From Debt of Proceeds - Disability.
Section 27-14-32 - Exemption From Debt of Proceeds - Annuity Contracts.