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29.1533 Information required.

Cite as [A.S.C.A. § 29.1533]

(a) The written instrument in which a contract of insurance is set forth is the policy and it must contain the following information:

(1) the parties between whom the contract is made;

(2) a description of the property, life, or interest insured;

(3) the interest of the insured;

(4) the risk insured against;

(5) the period during which the insurance is to continue;

(6) either a statement of the premium or, if the insurance is of a character where the exact premium is only determinable upon the termination of the contract, a statement of the basis and rates upon which the final premium is to be determined and paid;

(7) the conditions and provisions pertaining to the insurance;

(8) the time when the insurance thereunder takes effect and the period during which the insurance is to continue.

(b) In addition, the policy may contain other provisions not inconsistent with the insurance law and which are:

(1) required to be inserted by the laws of the insurer’s domicile;

(2) necessary, on account of the manner in which the insurer is constituted or operated, in order to state the rights and obligations of the parties to the contract; or

(3) desired by the insured and neither prohibited by law nor in conflict with any provisions required to be included therein, and which are in each instance not less favorable in any respect to the insured or beneficiary.

History: 1974, PL 13-58 § 1.