(a) No policy provision which is not subject to this article shall make a policy, or any portion thereof, less favorable in any respect to the insured or the beneficiary than the provisions thereof which are subject to this article.
(b) A policy delivered, or issued for delivery, to any person in this state in violation of this article shall be held valid but shall be construed as provided in this article. When any provision in a policy subject to this article is in conflict with any provision of this article, the rights, duties, and obligations of the insurer, the insured, and the beneficiary shall be governed by the provisions of this article.
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.