# COMAR Title 31 — Maryland Insurance Administration

## Subtitle 04 — Insurers

### Chapter 19 — Filing of Forms Under File and Use Method

#### Regulation .05 Types of Forms Used on a File and Use Method.

*COMAR 31.04.19.05*

A. The forms listed in §B of this regulation are the only forms that may be used on a file and use basis.

B. The following life insurance, health insurance, and annuity forms may be filed under the file and use method:

  (1) Group life insurance policies and certificates, except for group credit life insurance policies and certificates;

  (2) Endorsements, amendments, and riders to be used with group life insurance policies and certificates, except for endorsements, amendments, and riders to be used with group credit life insurance policies and certificates;

  (3) Wholesale life insurance policies;

  (4) Endorsements, amendments, and riders to be used with wholesale life insurance policies;

  (5) Accidental death benefit riders to be used with individual life insurance policies;

  (6) Waiver of premium riders to be used with individual life insurance policies;

  (7) Accidental death and dismemberment riders to be used with individual life insurance policies;

  (8) Riders to be used with individual life insurance policies that provide coverage to the spouse or dependent children of the insured;

  (9) Guaranteed insurability option riders to be used with individual life insurance policies;

  (10) Group annuity contracts and certificates, including variable and nonvariable group annuity contracts and certificates;

  (11) Endorsements, amendments, and riders to be used with group annuity contracts and certificates;

  (12) Individual retirement account (IRA) endorsements to be used with individual fixed annuity contracts or with individual variable annuity contracts;

  (13) Tax sheltered annuity (TSA) endorsements to be used with:

    (a) Individual fixed annuity contracts; or

    (b) Individual variable annuity contracts;

  (14) Medical stop-loss insurance;

  (15) Group accidental death policies and certificates;

  (16) Group accidental death and dismemberment policies and certificates;

  (17) Group travel health insurance policies and certificates, except for the following:

    (a) Any form that includes lost baggage benefits;

    (b) Any form that includes a trip cancellation benefit that is payable for a reason other than the illness or death of:

      (i) The insured;

      (ii) A member of the insured's family; or

      (iii) One or more of the insured's travel companions; or

    (c) Any form that contains any other property or casualty type benefit not included in §B(17)(a) and (b) of this regulation;

  (18) Group health insurance policies and certificates that:

    (a) Limit coverage to losses due to accident; and

    (b) Do not pay benefits on an expense-incurred basis;

  (19) Employer retrospective premium arrangements;

  (20) Blanket health insurance policies that limit benefits to accidental death benefits;

  (21) Blanket health insurance policies that limit benefits to accidental death and dismemberment benefits;

  (22) Blanket health insurance policies that limit benefits to travel benefits;

  (23) Blanket health insurance policies that:

    (a) Limit coverage to losses due to accident; and

    (b) Do not pay benefits on an expense-incurred basis; and

  (24) Applications, except applications for:

    (a) Medicare supplement policies;

    (b) Long-term care insurance;

    (c) Individual health benefit plans; and

    (d) Small employer health benefit plans.