Nothing in this article shall apply to or affect:
(1) Any policy of liability or workmen's compensation insurance, with or without supplementary expense coverage therein;
(2) Any group or blanket policy;
(3) Life insurance, endowment, or annuity contracts, or contracts supplemental thereto which contain only such provisions relating to disability insurance as:
a. Provide additional benefits in case of death or dismemberment or loss of sight by accident; or
b. Operate to safeguard such contracts against lapse or to give a special surrender value, or special benefit or an annuity in the event that the insured or annuitant becomes totally and permanently disabled, as defined by the contract or supplemental contract;
(4) Reinsurance; or
(5) Industrial insurance, which is disability insurance issued under policies sold on a debit basis, bearing the words "industrial policy" imprinted on the face of the policy as part of the descriptive matter, and with premiums payable monthly or more often.
Structure Code of Alabama
Chapter 19 - Disability Insurance Policies.
Article 1 - General Provisions.
Section 27-19-1 - Applicability of Article.
Section 27-19-2 - Scope and Format of Policy.
Section 27-19-3 - Mandatory Policy Provisions - Generally.
Section 27-19-4 - Mandatory Policy Provisions - Entire Contract; Changes.
Section 27-19-5 - Mandatory Policy Provisions - Time Limit on Certain Defenses.
Section 27-19-6 - Mandatory Policy Provisions - Grace Period.
Section 27-19-7 - Mandatory Policy Provisions - Reinstatement.
Section 27-19-8 - Mandatory Policy Provisions - Notice of Claim; Notice of Disability Continuance.
Section 27-19-9 - Mandatory Policy Provisions - Claim Forms.
Section 27-19-10 - Mandatory Policy Provisions - Proofs of Loss.
Section 27-19-11 - Mandatory Policy Provisions - Time of Payment of Claims.
Section 27-19-12 - Mandatory Policy Provisions - Payment of Claims.
Section 27-19-13 - Mandatory Policy Provisions - Physical Examination and Autopsy.
Section 27-19-14 - Mandatory Policy Provisions - Legal Actions.
Section 27-19-15 - Mandatory Policy Provisions - Change of Beneficiary.
Section 27-19-16 - Optional Policy Provisions - Generally.
Section 27-19-17 - Optional Policy Provisions - Change of Occupation.
Section 27-19-18 - Optional Policy Provisions - Misstatement of Age.
Section 27-19-19 - Optional Policy Provisions - Other Insurance in This Insurer.
Section 27-19-21 - Optional Policy Provisions - Insurance With Other Insurers - Other Benefits.
Section 27-19-22 - Optional Policy Provisions - Relation of Earnings to Insurance.
Section 27-19-23 - Optional Policy Provisions - Unpaid Premiums.
Section 27-19-24 - Optional Policy Provisions - Conformity With State Statutes.
Section 27-19-25 - Optional Policy Provisions - Illegal Occupation.
Section 27-19-26 - Optional Policy Provisions - Intoxicants and Narcotics.
Section 27-19-27 - Order of Provisions in Policy.
Section 27-19-29 - Ownership in Person Other Than Insured.
Section 27-19-30 - Provisions of Other Jurisdictions.
Section 27-19-31 - Renewability.
Section 27-19-32 - Examination and Return of Policy.
Section 27-19-33 - Addition of Endorsements or Riders to Existing Policies.
Section 27-19-34 - Compliance With Article by Rider or Endorsement.
Section 27-19-35 - Construction of Policy Provisions.
Section 27-19-36 - Age Limit or Date for Termination of Coverage.
Section 27-19-37 - Disability Insurance on Franchise Plan.
Section 27-19-38 - Coverage of Newly Born Children in Health Insurance Policies.
Section 27-19-39 - Policies, etc., Providing for Reimbursement for Visual Service.