New York Laws
Article 80 - Mutual Holding Company
8007 - Approval of Plan by Superintendent; Hearing.

(a) the plan is fair and equitable to policyholders;
(b) the plan does not violate this article; and
(c) after giving effect to the reorganization, the reorganized insurer
will have an amount of capital and surplus the superintendent deems to
be reasonably necessary for its future solvency.