Connecticut Senate Bill SB00398 Latest Draft

                               
 
LCO No. 125  	1 of 40 
 
General Assembly  Raised Bill No. 398  
February Session, 2024 
LCO No. 125 
 
 
Referred to Committee on INSURANCE AND REAL ESTATE  
 
 
Introduced by:  
(INS)  
 
 
 
 
AN ACT CONCERNING THE REGULATION AND TAXATION OF 
TRAVEL INSURANCE AND ASSOCIATED ENTITIES, PRODUCTS AND 
PROFESSIONALS. 
Be it enacted by the Senate and House of Representatives in General 
Assembly convened: 
 
Section 1. Section 38a-1 of the general statutes is repealed and the 1 
following is substituted in lieu thereof (Effective October 1, 2024): 2 
Terms used in this title, and sections 3 to 11, inclusive, of this act, 3 
unless it appears from the context to the contrary, shall have a scope and 4 
meaning as set forth in this section. 5 
(1) "Affiliate" or "affiliated" means a person that directly, or indirectly 6 
through one or more intermediaries, controls, is controlled by or is 7 
under common control with another person. 8 
(2) "Alien insurer" means any insurer that has been chartered by or 9 
organized or constituted within or under the laws of any jurisdiction or 10 
country without the United States. 11 
(3) "Annuities" means all agreements to make periodical payments 12  Raised Bill No.  398 
 
 
 
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where the making or continuance of all or some of the series of the 13 
payments, or the amount of the payment, is dependent upon the 14 
continuance of human life or is for a specified term of years. This 15 
definition does not apply to payments made under a policy of life 16 
insurance. 17 
(4) "Commissioner" means the Insurance Commissioner. 18 
(5) "Control", "controlled by" or "under common control with" means 19 
the possession, direct or indirect, of the power to direct or cause the 20 
direction of the management and policies of a person, whether through 21 
the ownership of voting securities, by contract other than a commercial 22 
contract for goods or nonmanagement services, or otherwise, unless the 23 
power is the result of an official position with the person. 24 
(6) "Domestic insurer" means any insurer that has been chartered by, 25 
incorporated, organized or constituted within or under the laws of this 26 
state. 27 
(7) "Domestic surplus lines insurer" means any domestic insurer that 28 
has been authorized by the commissioner to write surplus lines 29 
insurance. 30 
(8) "Foreign country" means any jurisdiction not in any state, district 31 
or territory of the United States. 32 
(9) "Foreign insurer" means any insurer that has been chartered by or 33 
organized or constituted within or under the laws of another state or a 34 
territory of the United States. 35 
(10) "Insolvency" or "insolvent" means, for any insurer, that it is 36 
unable to pay its obligations when they are due, or when its admitted 37 
assets do not exceed its liabilities plus the greater of: (A) Capital and 38 
surplus required by law for its organization and continued operation; 39 
or (B) the total par or stated value of its authorized and issued capital 40 
stock. For purposes of this subdivision "liabilities" shall include but not 41 
be limited to reserves required by statute or by regulations adopted by 42  Raised Bill No.  398 
 
 
 
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the commissioner in accordance with the provisions of chapter 54 or 43 
specific requirements imposed by the commissioner upon a subject 44 
company at the time of admission or subsequent thereto. 45 
(11) "Insurance" means any agreement to pay a sum of money, 46 
provide services or any other thing of value on the happening of a 47 
particular event or contingency or to provide indemnity for loss in 48 
respect to a specified subject by specified perils in return for a 49 
consideration. In any contract of insurance, an insured shall have an 50 
interest which is subject to a risk of loss through destruction or 51 
impairment of that interest, which risk is assumed by the insurer and 52 
such assumption shall be part of a general scheme to distribute losses 53 
among a large group of persons bearing similar risks in return for a 54 
ratable contribution or other consideration. 55 
(12) "Insurer" or "insurance company" includes any person or 56 
combination of persons doing any kind or form of insurance business 57 
other than a fraternal benefit society, and shall include a receiver of any 58 
insurer when the context reasonably permits. 59 
(13) "Insured" means a person to whom or for whose benefit an 60 
insurer makes a promise in an insurance policy. The term includes 61 
policyholders, subscribers, members and beneficiaries. This definition 62 
applies only to the provisions of this title and does not define the 63 
meaning of this word as used in insurance policies or certificates. 64 
(14) "Life insurance" means insurance on human lives and insurances 65 
pertaining to or connected with human life. The business of life 66 
insurance includes granting endowment benefits, granting additional 67 
benefits in the event of death by accident or accidental means, granting 68 
additional benefits in the event of the total and permanent disability of 69 
the insured, and providing optional methods of settlement of proceeds. 70 
Life insurance includes burial contracts to the extent provided by 71 
section 38a-464. 72 
(15) "Mutual insurer" means any insurer without capital stock, the 73 
managing directors or officers of which are elected by its members. 74  Raised Bill No.  398 
 
 
 
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(16) "Person" means an individual, a corporation, a partnership, a 75 
limited liability company, an association, a joint stock company, a 76 
business trust, an unincorporated organization or other legal entity. 77 
(17) "Policy" means any document, including attached endorsements 78 
and riders, purporting to be an enforceable contract, which 79 
memorializes in writing some or all of the terms of an insurance 80 
contract. 81 
(18) "State" means any state, district, or territory of the United States. 82 
(19) "Subsidiary" of a specified person means an affiliate controlled 83 
by the person directly, or indirectly through one or more intermediaries. 84 
(20) "Unauthorized insurer" or "nonadmitted insurer" means an 85 
insurer that has not been granted a certificate of authority by the 86 
commissioner to transact the business of insurance in this state or an 87 
insurer transacting business not authorized by a valid certificate. 88 
(21) "United States" means the United States of America, its territories 89 
and possessions, the Commonwealth of Puerto Rico and the District of 90 
Columbia. 91 
Sec. 2. Section 38a-398 of the general statutes is repealed and the 92 
following is substituted in lieu thereof (Effective October 1, 2024): 93 
[(a) As used in] For the purposes of this section and sections 3 to 11, 94 
inclusive, of this act: 95 
[(1) "Travel insurance" means insurance, provided under an 96 
individual or a group or master insurance policy, for the following 97 
personal risks incident to planned travel: (A) Interruption or 98 
cancellation of a trip or an event; (B) loss of baggage or personal effects; 99 
(C) damage to accommodations or rental vehicles; or (D) sickness, 100 
accident, disability or death occurring during travel;] 101 
(1) "Aggregator web site" means an Internet web site that provides 102 
access to information concerning insurance products from more than 103  Raised Bill No.  398 
 
 
 
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one insurer, including, but not limited to, product and insurer 104 
information, for use in insurance product comparison shopping. 105 
(2) "Blanket travel insurance policy" means a policy of travel 106 
insurance issued to an eligible group that provides coverage: (A) For 107 
specific classes of persons defined in such policy of travel insurance; and 108 
(B) to all members of such eligible group without imposing a separate 109 
charge on any individual member of such eligible group. 110 
(3) "Cancellation fee waiver" means a contractual agreement between 111 
a supplier of travel services and a consumer to waive some or all of the 112 
nonrefundable cancellation fee provisions of such supplier's underlying 113 
travel contract regardless of the reason for the cancellation or form of 114 
reimbursement. 115 
(4) "Designated travel retailer" means a travel retailer designated by 116 
a limited lines travel insurance producer to offer and disseminate travel 117 
insurance to residents of this state on behalf of the limited lines travel 118 
insurance producer. 119 
(5) "Eligible group" means, with respect to travel insurance, a group 120 
of two or more persons who are engaged in a common enterprise or 121 
have an economic, educational or social affinity or relationship, 122 
including, but not limited to: (A) Any entity that is engaged in the 123 
business of providing travel or travel services, including, but not limited 124 
to, tour operators, lodging providers, vacation property owners, hotels, 125 
resorts, travel clubs, travel agencies, property managers, cultural 126 
exchange programs and common carriers, including, but not limited to, 127 
airlines, cruise lines, railroads, steamship companies and public bus 128 
carriers, provided all members or customers of such group have a 129 
common exposure to risk attendant to travel with respect to a particular 130 
type of travel or traveler; (B) a college, school or other institution of 131 
learning, provided any group or blanket travel insurance policy issued 132 
to the college, school or other institution of learning provides coverage 133 
for the students, teachers, employees or volunteers of such college, 134 
school or institution of higher learning; (C) an employer, provided any 135  Raised Bill No.  398 
 
 
 
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group or blanket travel insurance policy issued to the employer 136 
provides coverage for a group of employees, volunteers, contractors, 137 
directors, dependents or guests of such employer; (D) a sports team, 138 
camp or sponsor of such sports team or camp, provided any group or 139 
blanket travel insurance policy issued to such team, camp or sponsor 140 
provides coverage for participants, members, campers, employees, 141 
officials, supervisors or volunteers of such team, camp or sponsor; (E) a 142 
religious, charitable, recreational, educational or civic organization, or 143 
branch of such religious, charitable, recreational, educational or civic 144 
organization, provided any group or blanket travel insurance policy 145 
issued to such organization or branch provides coverage for a group of 146 
members, participants or volunteers of such organization or branch; (F) 147 
a financial institution or financial institution vendor, or a parent holding 148 
company, trustee or agent of, or designated by, one or more financial 149 
institutions or financial institution vendors, including, but not limited 150 
to, account holders, credit card holders, debtors, guarantors or 151 
purchasers; (G) an incorporated or unincorporated association, 152 
including, but not limited to, a labor union, that has a common interest, 153 
constitution and bylaws and is maintained, in good faith, for a purpose 154 
other than obtaining insurance for members of, or participants in, such 155 
association covering the members of such association; (H) a trust or the 156 
trustees of a fund subject to approval by the commissioner and 157 
established, created or maintained for the benefit of, and covering, 158 
members, employees or customers of one or more of the associations 159 
described in subparagraph (G) of this subdivision; (I) an entertainment 160 
production company, provided any group or blanket travel insurance 161 
policy issued to the entertainment production company provides 162 
coverage for a group of participants, volunteers, audience members, 163 
contestants or workers of such entertainment production company; (J) a 164 
volunteer fire department, police department, ambulance service, first 165 
aid service, rescue service, court or civil defense organization, or any 166 
similar voluntary group; (K) a preschool, day care institution for 167 
children or adults or a senior citizen club; (L) an automobile or truck 168 
rental or leasing company covering, under a group or blanket travel 169 
insurance policy, a group of individuals who may become renters or 170  Raised Bill No.  398 
 
 
 
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lessees of, or passengers on, a rented or leased automobile or truck due 171 
to their travel status on such rented or leased automobile or truck, 172 
provided the common carrier, operator, owner or lessor of the rented or 173 
leased automobile or truck, or the automobile or truck rental or leasing 174 
company, is the policyholder of the group or blanket travel insurance 175 
policy providing such coverage; or (M) any other group if the 176 
commissioner determines, in the commissioner's discretion, that issuing 177 
a group or blanket travel insurance policy to such group is consistent 178 
with the public interest. 179 
(6) "Fulfillment materials" means documentation sent to a purchaser 180 
of a travel protection plan that (A) confirms purchase of such travel 181 
protection plan, and (B) provides the coverage and assistance details for 182 
such travel protection plan. 183 
(7) "Group travel insurance" means travel insurance issued to an 184 
eligible group. 185 
[(2)] (8) "Limited lines travel insurance producer" means [an 186 
individual who or business entity that is authorized under subsection 187 
(b) of this section to sell, solicit or negotiate travel insurance;] a (A) 188 
licensed managing general agent, as defined in section 38a-90a, or third-189 
party administrator licensed pursuant to section 38a-720j, (B) licensed 190 
insurance producer, including a limited lines producer, designated by 191 
an insurer as the travel insurance supervising entity, or (C) travel 192 
administrator. 193 
[(3) "Offer and disseminate,"] (9) "Offer and disseminate" means, with 194 
respect to travel insurance, [means] the provision of general information 195 
about or general services for travel insurance, including: (A) A 196 
description of the coverage and price of a travel [insurance policy] 197 
protection plan; (B) the processing of an application for a travel 198 
[insurance policy] protection plan; (C) the collection of a premium for a 199 
travel [insurance policy] protection plan; or (D) the performance of other 200 
activities not requiring a license and permitted in this state concerning 201 
a travel [insurance policy;] protection plan. 202  Raised Bill No.  398 
 
 
 
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(10) "Primary certificate holder" means an individual who elects 203 
coverage under and purchases travel insurance provided under a policy 204 
of group travel insurance. 205 
(11) "Primary policyholder" means an individual who elects and 206 
purchases travel insurance provided under an individual policy of 207 
travel insurance. 208 
(12) "Travel administrator" means a person who, directly or 209 
indirectly, underwrites travel insurance, collects charges, collateral or 210 
premiums in connection with travel insurance or adjusts or settles travel 211 
insurance claims for residents of this state, unless such person: (A) 212 
Works for, and to the extent that such person's activities are subject to 213 
the supervision and control of, a travel administrator; (B) is a licensed 214 
insurance producer selling insurance or engaged in administrative and 215 
claims-related activities within the scope of such insurance producer's 216 
license; (C) is a designated travel retailer; (D) is an individual adjusting 217 
or settling claims in such individual's normal course of business or 218 
practice, or a lawyer settling a client's claim and who does not collect 219 
charges or premiums in connection with insurance transactions; or (E) 220 
is a business entity affiliated with a licensed insurer and administering 221 
the direct and assumed travel insurance business of such licensed 222 
affiliated insurer. 223 
(13) "Travel assistance services" means any noninsurance services for 224 
which a consumer is not indemnified based on a fortuitous event and 225 
where providing such noninsurance services does not transfer or shift 226 
any risk in a manner that constitutes the business of insurance, 227 
including, but not limited to: (A) Security advisories; (B) destination 228 
information; (C) vaccination and immunization information services; 229 
(D) travel reservation services; (E) entertainment; (F) activity and event 230 
planning; (G) translation assistance; (H) emergency messaging; (I) 231 
international legal and medical referrals; (J) medical case monitoring; 232 
(K) transportation arrangement coordination; (L) emergency cash 233 
transfer assistance; (M) medical prescription replacement assistance; (N) 234 
passport and other travel document replacement assistance; (O) lost 235  Raised Bill No.  398 
 
 
 
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luggage assistance; (P) concierge services; and (Q) any service furnished 236 
in connection with planned travel. 237 
(14) (A) "Travel insurance" means insurance, provided under an 238 
individual, group or blanket insurance policy, for the following 239 
personal risks incident to planned travel: (i) Interruption or cancellation 240 
of a trip or an event; (ii) loss of baggage or personal effects; (iii) damage 241 
to accommodations or rental vehicles; (iv) sickness, accident, disability 242 
or death occurring during travel; (v) emergency evacuation; (vi) 243 
repatriation of remains; or (vii) any other contractual obligation to 244 
indemnify or pay a specified amount to a traveler upon determinable 245 
contingencies that are related to travel as approved by the 246 
commissioner. 247 
(B) "Travel insurance" does not include: (i) Major medical plans that 248 
provide comprehensive medical protection for a traveler with a trip 249 
lasting longer than six months, including, but not limited to, a traveler 250 
working or residing outside of the United States as an expatriate; (ii) a 251 
product that requires a specific insurance producer license; (iii) a 252 
cancellation fee waiver; or (iv) travel assistance services. 253 
(15) "Travel protection plan" means a plan that includes travel 254 
insurance, travel assistance services or a cancellation fee waiver. 255 
[(4)] (16) "Travel retailer" means a business entity that makes, 256 
arranges or offers travel services. [; and] 257 
[(5) "Designated travel retailer" means a travel retailer designated by 258 
a limited lines travel insurance producer to offer and disseminate travel 259 
insurance to residents of this state on such producer's behalf. 260 
(b) (1) (A) Any individual or business entity that wishes to act as a 261 
limited lines travel insurance producer in this state may apply to the 262 
Insurance Commissioner for authorization to act as a limited lines travel 263 
insurance producer and to sell, solicit or negotiate travel insurance 264 
through an insurance company licensed or authorized to do business in 265 
this state. Such application shall be submitted on such form and in such 266  Raised Bill No.  398 
 
 
 
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manner as prescribed by the commissioner and shall be accompanied 267 
by the fee required under section 38a-11. The commissioner shall not 268 
approve such application unless (i) the applicant has paid all applicable 269 
filing and licensing fees required under this title, and (ii) for an applicant 270 
that is a business entity, the employee designated pursuant to 271 
subparagraph (A) of subdivision (3) of this subsection and the president, 272 
secretary, treasurer and any other officer or individual who directs or 273 
controls the insurance operations of the applicant has complied with 274 
any fingerprinting requirements applicable to insurance producers in 275 
the resident state of the applicant. 276 
(B) The commissioner may approve or deny such application. Any 277 
such authorization shall be in force until the commissioner suspends or 278 
revokes such authorization or the commissioner suspends, revokes or 279 
refuses to renew the individual's or insurance company's license or 280 
authorization to do business in this state. 281 
(2) Each limited lines travel insurance producer that is a business 282 
entity shall, at the time such application is approved by the 283 
commissioner, establish and maintain a registry, on a form prescribed 284 
by the commissioner, of its designated travel retailers. Such producer 285 
shall update the registry annually and shall include: (A) The name, 286 
address and contact information of each designated travel retailer; (B) 287 
the name, address and contact information of an officer or individual 288 
who directs or controls each designated travel retailer's operations; (C) 289 
the federal tax identification number of each designated travel retailer; 290 
and (D) a certification by such producer that the designated travel 291 
retailer has not engaged in conduct prohibited under 18 USC 1033, as 292 
amended from time to time. Upon request by the commissioner, a 293 
limited lines travel insurance producer shall make such registry 294 
available to the commissioner or the commissioner's designee for 295 
inspection and examination during the regular business hours of such 296 
limited lines travel insurance producer. 297 
(3) (A) Each limited lines travel insurance producer that is a business 298 
entity shall designate an employee, who is an insurance producer 299  Raised Bill No.  398 
 
 
 
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licensed in this state, as the individual responsible for the limited lines 300 
travel insurance producer's compliance with this section, including 301 
supervision of its designated travel retailers. 302 
(B) Each limited lines travel insurance producer that is a business 303 
entity shall be responsible for the acts of its designated travel retailers 304 
and shall use reasonable means to ensure each designated travel 305 
retailer's compliance with this section. 306 
(4) Each limited lines travel insurance producer that is a business 307 
entity shall require each employee and authorized representative of its 308 
designated travel retailers to receive instruction or training on the offer 309 
and dissemination of travel insurance. Such instruction or training may 310 
be subject to review by the commissioner and shall include, at a 311 
minimum, information about (A) the types of travel insurance offered 312 
through the travel retailer, (B) ethical sales practices, and (C) required 313 
disclosures to prospective insureds. 314 
(5) Each limited lines travel insurance producer that is a business 315 
entity or designated travel retailer shall provide to purchasers of a travel 316 
insurance policy: (A) A description or a copy of the material terms of 317 
such policy; (B) a description of the process for filing a claim under such 318 
policy; (C) a description of the process for the review or cancellation of 319 
such policy; and (D) the identity of and contact information for the 320 
insurance company issuing such policy and the limited lines travel 321 
insurance producer. 322 
(c) (1) A travel retailer that does not employ a licensed insurance 323 
producer or is not licensed or authorized to transact the business of 324 
insurance in this state may offer and disseminate travel insurance to 325 
residents of this state, if (A) it is a designated travel retailer, and (B) its 326 
travel insurance-related activities are limited to those authorized under 327 
this section. 328 
(2) A travel retailer shall make available to prospective insureds 329 
brochures or other written materials that: (A) Provide the identity of and 330 
contact information for the insurance company issuing the travel 331  Raised Bill No.  398 
 
 
 
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insurance policy and the limited lines travel insurance producer; (B) 332 
explain that the purchase of travel insurance is not required to purchase 333 
any other product or service from the travel retailer; and (C) explain that 334 
such travel retailer is permitted to provide general information about 335 
the travel insurance offered through the travel retailer, including a 336 
description of the coverage and price, but is not qualified or authorized 337 
to answer questions about the terms and conditions of such travel 338 
insurance or evaluate the adequacy of the prospective insured's existing 339 
insurance coverage. 340 
(3) A designated travel retailer may receive compensation from a 341 
limited lines travel insurance producer or the insurance company 342 
issuing a travel insurance policy for services related to the offer and 343 
dissemination of travel insurance as agreed to by such designated travel 344 
retailer and such limited lines travel insurance producer or insurance 345 
company. 346 
(4) An employee or authorized representative of a travel retailer shall 347 
not be required to be licensed as an insurance producer unless such 348 
employee or authorized representative: (A) Evaluates or interprets the 349 
terms, benefits or conditions of travel insurance offered by the travel 350 
retailer; (B) evaluates or provides advice regarding a prospective 351 
insured's existing insurance coverage; or (C) holds himself or herself out 352 
as a licensed insurance producer or an insurance expert. 353 
(d) (1) A violation of this section by a limited lines travel insurance 354 
producer shall be deemed an unfair or deceptive insurance practice 355 
under section 38a-816. 356 
(2) A violation of this section by a travel retailer shall be deemed an 357 
unfair or deceptive trade practice under subsection (a) of section 42-358 
110b.] 359 
Sec. 3. (NEW) (Effective October 1, 2024) (a) Travel insurance shall be 360 
classified and filed in this state, for the purposes of rates and forms, 361 
under an inland marine line of insurance, except if travel insurance 362 
provides coverage for sickness, accident, disability or death occurring 363  Raised Bill No.  398 
 
 
 
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during travel, either exclusively or in conjunction with related 364 
coverages of emergency evacuation or repatriation of remains, or 365 
incidental limited property and casualty benefits such as baggage or trip 366 
cancellation, such travel insurance may be filed in this state under either 367 
an accident and health line of insurance or an inland marine line of 368 
insurance. 369 
(b) Each insurance company licensed to issue travel insurance 370 
policies in this state may develop eligibility and underwriting standards 371 
for travel insurance based on travel protection plans designed for 372 
individual or identified marketing or distribution channels, provided 373 
such standards meet this state's underwriting standards for inland 374 
marine lines of insurance. 375 
Sec. 4. (NEW) (Effective October 1, 2024) (a) (1) Except as provided in 376 
subdivision (2) of this subsection, no individual or business entity shall 377 
act as a limited lines travel insurance producer, and no travel retailer 378 
shall act as a designated travel retailer, in this state except in accordance 379 
with the provisions of this section and sections 5, 7, 9 and 10 of this act. 380 
(2) Notwithstanding any provision of this section, each insurance 381 
producer licensed for a major line of authority in this state shall be 382 
deemed to have been authorized to sell, solicit and negotiate travel 383 
insurance in this state, and no insurance producer licensed for property 384 
and casualty insurance lines in this state shall be required to seek 385 
authorization to sell, solicit or negotiate travel insurance through an 386 
insurer licensed or authorized to do insurance business in this state. 387 
(b) (1) (A) Except as provided in subdivision (2) of subsection (a) of 388 
this section, any individual or business entity that wishes to act as a 389 
limited lines travel insurance producer in this state may apply to the 390 
commissioner for annual authorization to act as a limited lines travel 391 
insurance producer and to sell, solicit or negotiate travel insurance 392 
through an insurer licensed or authorized to do insurance business in 393 
this state. Such application shall be submitted on such form and in such 394 
manner as prescribed by the commissioner and shall be accompanied 395  Raised Bill No.  398 
 
 
 
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by the fee required under section 38a-11 of the general statutes, as 396 
amended by this act. The commissioner shall not approve such 397 
application unless: (i) The applicant has paid (I) all applicable filing fees 398 
and licensing fees required under title 38a of the general statutes, and 399 
(II) the licensing fee under section 38a-11 of the general statutes, as 400 
amended by this act, and (ii) for an applicant that is a business entity, 401 
the employee designated pursuant to subparagraph (A) of subdivision 402 
(3) of this subsection and the president, secretary, treasurer and any 403 
other officer or individual who directs or controls the insurance 404 
operations of the applicant has complied with any fingerprinting 405 
requirements applicable to insurance producers in the resident state of 406 
the applicant. 407 
(B) The commissioner may approve or deny any application 408 
submitted pursuant to subparagraph (A) of this subdivision. Any 409 
authorization approved by the commissioner shall be in force until the 410 
day immediately preceding the anniversary date of such authorization, 411 
the date on which the commissioner suspends or revokes such 412 
authorization in accordance with the provisions of section 9 of this act 413 
or the commissioner suspends, revokes or refuses to renew the license 414 
of the insurer through which the limited lines travel insurance producer 415 
is selling, soliciting or negotiating travel insurance in this state, 416 
whichever first occurs. 417 
(2) Each limited lines travel insurance producer that is a business 418 
entity shall, at the time such application is approved by the 419 
commissioner, establish and maintain a registry, on a form prescribed 420 
by the commissioner, of its designated travel retailers. Such limited lines 421 
travel insurance producer shall update the registry annually and shall 422 
include: (A) The name, address and contact information of each 423 
designated travel retailer; (B) the name, address and contact information 424 
of an officer or individual who directs or controls each designated travel 425 
retailer's operations; (C) the federal tax identification number of each 426 
designated travel retailer; and (D) a certification by such limited lines 427 
travel insurance producer that the designated travel retailer has not 428 
engaged in conduct prohibited under 18 USC 1033, as amended from 429  Raised Bill No.  398 
 
 
 
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time to time. Upon request by the commissioner, a limited lines travel 430 
insurance producer shall make such registry available to the 431 
commissioner or the commissioner's designee for inspection and 432 
examination during the regular business hours of such limited lines 433 
travel insurance producer. 434 
(3) (A) Each limited lines travel insurance producer that is a business 435 
entity shall designate an employee, who is an insurance producer 436 
licensed in this state, as the individual responsible for the limited lines 437 
travel insurance producer's compliance with this section and sections 5, 438 
7, 9 and 10 of this act, including supervision of its designated travel 439 
retailers. 440 
(B) Each limited lines travel insurance producer that is a business 441 
entity shall be responsible for the acts of such limited lines travel 442 
insurance producer's designated travel retailers and shall use 443 
reasonable means to ensure each designated travel retailer's compliance 444 
with this section and sections 5, 7, 9 and 10 of this act. 445 
(4) Each limited lines travel insurance producer that is a business 446 
entity shall require each employee and authorized representative of its 447 
designated travel retailers to receive instruction or training on the offer 448 
and dissemination of travel insurance. Such instruction or training may 449 
be subject to review by the commissioner and shall include, at a 450 
minimum, information about: (A) The types of travel insurance offered 451 
through the designated travel retailer; (B) ethical sales practices; and (C) 452 
required disclosures to consumers. 453 
(5) Each limited lines travel insurance producer that is a business 454 
entity or designated travel retailer shall provide to purchasers of a 455 
policy of travel insurance: (A) A description or a copy of the material 456 
terms of such policy; (B) a description of the process for filing a claim 457 
under such policy; (C) a description of the process for the review or 458 
cancellation of such policy; and (D) the identity of and contact 459 
information for the insurer issuing such policy and the limited lines 460 
travel insurance producer. 461  Raised Bill No.  398 
 
 
 
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(c) (1) A travel retailer that does not employ a licensed insurance 462 
producer or is not licensed or authorized to transact the business of 463 
insurance in this state may offer and disseminate travel insurance to 464 
residents of this state, if: (A) Such travel retailer is a designated travel 465 
retailer, and (B) such designated travel retailer's travel insurance-related 466 
activities are limited to those authorized under this section. 467 
(2) A designated travel retailer shall make available to consumers 468 
brochures or other written materials that: (A) Provide the identity of, 469 
and contact information for, the insurer issuing the policy of travel 470 
insurance and the limited lines travel insurance producer; (B) explain 471 
that the purchase of travel insurance is not required to purchase any 472 
other product or service from the designated travel retailer; and (C) 473 
explain that such designated travel retailer is permitted to provide 474 
general information about the travel insurance offered through such 475 
designated travel retailer, including, but not limited to, a description of 476 
the coverage and price, but is not qualified or authorized to answer 477 
technical questions about the terms and conditions of such travel 478 
insurance or evaluate the adequacy of the consumer's existing insurance 479 
coverage. 480 
(3) A designated travel retailer may receive compensation from a 481 
limited lines travel insurance producer or the insurer issuing a policy of 482 
travel insurance for services related to the offer and dissemination of 483 
travel insurance as agreed to by such designated travel retailer and such 484 
limited lines travel insurance producer or insurer. 485 
(4) An employee or authorized representative of a travel retailer shall 486 
not be required to be licensed as an insurance producer unless such 487 
employee or authorized representative: (A) Evaluates or interprets the 488 
technical terms, benefits or conditions of travel insurance offered by the 489 
travel retailer; (B) evaluates or provides advice regarding a consumer's 490 
existing insurance coverage; or (C) holds himself or herself out as a 491 
licensed insurer, licensed insurance producer or an insurance expert. 492 
Sec. 5. (NEW) (Effective October 1, 2024) (a) (1) All documents 493  Raised Bill No.  398 
 
 
 
LCO No. 125   	17 of 40 
 
provided to a consumer prior to the purchase of a policy of travel 494 
insurance, including, but not limited to, sales materials, advertising 495 
materials and marketing materials, shall be consistent with the policy of 496 
travel insurance, including, but not limited to, forms, endorsements, 497 
policies, rate filings and certificates of insurance. 498 
(2) If a policy or certificate of travel insurance contains any 499 
preexisting condition exclusion, information concerning, and an 500 
opportunity to learn more about, such preexisting condition exclusion 501 
shall be provided to a consumer at any time prior to the time that the 502 
consumer purchases such policy or certificate of travel insurance, and 503 
any such preexisting condition exclusion shall be provided to a 504 
consumer in the fulfillment materials for a travel protection plan that 505 
includes travel insurance. 506 
(3) (A) If a consumer purchases a travel protection plan in this state, 507 
the following shall be provided to the consumer as soon as practicable 508 
following the time that such consumer purchases such travel protection 509 
plan: 510 
(i) The fulfillment materials for such travel protection plan; 511 
(ii) A description, or a copy of, the material terms of any travel 512 
insurance coverage included in such travel protection plan; 513 
(iii) A description of the process for filing a claim under any travel 514 
insurance coverage included in such travel protection plan; 515 
(iv) A description of the process for review or cancellation of any 516 
travel insurance coverage included in such travel protection plan; and 517 
(v) The identity of, and contact information for, the insurer issuing 518 
any travel insurance coverage included in such travel protection plan 519 
and the limited lines travel insurance producer. 520 
(B) Unless a consumer insured under travel insurance coverage 521 
included in a travel protection plan departs on a covered trip, or files a 522 
claim under such coverage, the consumer may cancel the policy or 523  Raised Bill No.  398 
 
 
 
LCO No. 125   	18 of 40 
 
certificate for a full refund of the travel protection plan price from the 524 
date of purchase of the travel protection plan until at least: 525 
(i) Fifteen days following the date of delivery of such travel protection 526 
plan's fulfillment materials by mail; or 527 
(ii) Ten days following the date of delivery of such travel protection 528 
plan's fulfillment materials by any means other than mail. For the 529 
purposes of this clause and subparagraph (B)(i) of subdivision (3) of 530 
subsection (a) of this section, "delivery" means any method of delivery 531 
used in conventional commercial practice, including delivery by hand, 532 
mail, commercial delivery and electronic transmission. 533 
(4) The fulfillment materials for a travel protection plan, and the 534 
documents concerning any travel insurance coverage included in the 535 
travel protection plan, shall disclose whether the travel insurance 536 
coverage included in such travel protection plan is primary or 537 
secondary to other applicable coverage. 538 
(b) No person offering, soliciting or negotiating travel insurance or 539 
travel protection plans to consumers in this state on an individual or 540 
group basis may do so by using a negative option or opt-out, which 541 
would require a consumer to take an affirmative action to deselect travel 542 
insurance coverage, by, for example, unchecking a box on an electronic 543 
form, when the consumer purchases a trip. 544 
Sec. 6. (NEW) (Effective October 1, 2024) (a) No person shall act as, or 545 
hold itself out to be, a travel administrator in this state unless such 546 
person is: 547 
(1) An insurance producer licensed for property and casualty 548 
insurance lines in this state; 549 
(2) A managing general agent, as defined in section 38a-90a of the 550 
general statutes, that is licensed as an insurance producer and holds an 551 
appointment by an insurer in this state; or 552 
(3) A third-party administrator licensed pursuant to section 38a-720j 553  Raised Bill No.  398 
 
 
 
LCO No. 125   	19 of 40 
 
of the general statutes. 554 
(b) Each insurer shall be responsible for the conduct of each travel 555 
administrator administering travel insurance in this state underwritten 556 
by such insurer, and shall ensure that each such travel administrator 557 
maintains, and makes available to the commissioner upon request, all 558 
books and records relevant to such insurer. 559 
Sec. 7. (NEW) (Effective October 1, 2024) A travel protection plan may 560 
be offered to a consumer in this state for a single price reflecting any 561 
combined features offered by the travel protection plan if: 562 
(1) Such travel protection plan: 563 
(A) Discloses to the consumer, at or before the time of purchase, that 564 
such travel protection plan includes travel insurance, travel assistance 565 
services and cancellation fee waivers, as applicable, and that such 566 
consumer may obtain additional information regarding the individual 567 
features and pricing of such travel insurance, travel assistance services 568 
and cancellation fee waivers, as applicable; and 569 
(B) Provides to the consumer, at or before the time of purchase, an 570 
opportunity to obtain the additional information described in 571 
subparagraph (A) of this subdivision; and 572 
(2) The fulfillment materials for such travel protection plan: 573 
(A) Describe and delineate the travel insurance, travel assistance 574 
services and cancellation fee waivers, if any, in such travel protection 575 
plan; and 576 
(B) Include any required disclosure concerning the travel insurance 577 
coverage included in such travel protection plan, if any, and the contact 578 
information for the persons providing the travel assistance services and 579 
cancellation fee waivers included in such travel protection plan, if any. 580 
Sec. 8. (NEW) (Effective October 1, 2024) (a) (1) Except as provided in 581 
subdivision (2) of this subsection, travel insurance written by a domestic 582  Raised Bill No.  398 
 
 
 
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insurer shall be subject to the tax imposed under section 12-202 of the 583 
general statutes, and travel insurance written by an alien insurer or 584 
foreign insurer shall be subject to the tax imposed under section 12-210 585 
of the general statutes, for travel insurance premiums paid by: 586 
(A) The primary policyholder of an individual policy of travel 587 
insurance if such primary policyholder is a resident of this state; 588 
(B) The primary certificate holder of a policy of group travel 589 
insurance if such primary certificate holder is a resident of this state; or 590 
(C) A policyholder of a blanket travel insurance policy if the 591 
policyholder is a resident of this state, maintains such policyholder's 592 
principal place of business in this state or an affiliate or subsidiary of 593 
such policyholder maintains such affiliate's or subsidiary's principal 594 
place of business in this state. 595 
(2) If a domestic insurer, alien insurer or foreign insurer that writes a 596 
blanket travel insurance policy described in subparagraph (C) of 597 
subdivision (1) of this subsection is subject to rules across multiple 598 
taxing jurisdictions that permit such insurer to allocate premiums across 599 
such jurisdictions on an apportioned basis and in a reasonable and 600 
equitable manner, such insurer's liability under said subparagraph shall 601 
be subject to such premium allocation. 602 
(b) Each domestic insurer, alien insurer and foreign insurer that is 603 
subject to the provisions of subsection (a) of this section shall: 604 
(1) Document the state in which each primary policyholder, primary 605 
certificate holder, policyholder, affiliate or subsidiary described in 606 
subsection (a) of this section maintains such primary policyholder's, 607 
primary certificate holder's, policyholder's, affiliate's or subsidiary's 608 
primary residence or principal place of business, as applicable; and 609 
(2) Report as premium only the amount allocable to travel insurance 610 
and not any amounts received for travel assistance services or 611 
cancellation fee waivers. 612  Raised Bill No.  398 
 
 
 
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Sec. 9. (NEW) (Effective October 1, 2024) (a) The commissioner may 613 
suspend, revoke or refuse to issue or renew authorization to act as a 614 
limited lines travel insurance producer, or prohibit a travel retailer from 615 
acting as a designated travel retailer, in this state or may levy a civil 616 
penalty in accordance with the provisions of title 38a of the general 617 
statutes, or may take any combination of such actions, for any one or 618 
more of the following causes: 619 
(1) For a limited lines travel insurance producer, providing incorrect, 620 
misleading, incomplete or materially untrue information to the 621 
commissioner in an application for authorization to act as a limited lines 622 
travel insurance producer; 623 
(2) Violating any insurance law, or violating any regulation, 624 
subpoena or order of the commissioner or of another state's insurance 625 
commissioner; 626 
(3) For a limited lines travel insurance producer, obtaining or 627 
attempting to obtain authorization from the commissioner to act as a 628 
limited lines travel insurance producer through misrepresentation or 629 
fraud; 630 
(4) Improperly withholding, misappropriating or converting any 631 
moneys or properties received in the course of doing business in this 632 
state; 633 
(5) Intentionally misrepresenting the terms of actual or proposed 634 
travel insurance coverage or an application for such coverage; 635 
(6) Having been convicted of a felony; 636 
(7) Having admitted or been found to have committed any insurance 637 
unfair trade practice or fraud; 638 
(8) Using fraudulent, coercive or dishonest practices, or 639 
demonstrating incompetence, untrustworthiness or financial 640 
irresponsibility in the conduct of business in this state or elsewhere; 641  Raised Bill No.  398 
 
 
 
LCO No. 125   	22 of 40 
 
(9) For a limited lines travel insurance producer, having 642 
authorization to act as a limited lines travel insurance producer, or its 643 
equivalent, denied, suspended or revoked in any other state, province, 644 
district or territory; 645 
(10) Forging another's name to an application for travel insurance 646 
coverage or to any document related to a travel insurance transaction; 647 
(11) Failing to comply with an administrative or court order imposing 648 
a child support obligation; or 649 
(12) Failing to pay income tax pursuant to chapter 229 of the general 650 
statutes or comply with any administrative or court order directing 651 
payment of state income tax. 652 
(b) If the action by the commissioner is to refuse to renew 653 
authorization to act as a limited lines travel insurance producer or to 654 
deny an application for an authorization to act as a limited lines travel 655 
insurance producer, the commissioner shall notify the applicant or 656 
limited lines travel insurance producer, as applicable, and advise, in 657 
writing, the applicant or limited lines travel insurance producer, as 658 
applicable, of the reason for the commissioner's denial or refusal to 659 
renew such authorization. The applicant or limited lines travel 660 
insurance producer, as applicable, may make written demand upon the 661 
commissioner, not later than thirty days after the notice, for a hearing 662 
before the commissioner to determine the reasonableness of the 663 
commissioner's action. The hearing shall be held not later than twenty 664 
days after receipt of such request and shall be held in accordance with 665 
section 38a-19 of the general statutes. 666 
(c) A business entity's authority to act as a limited lines travel 667 
insurance producer or designated travel retailer in this state may be 668 
suspended, revoked or refused if the commissioner finds, after a 669 
hearing, that an individual employee's or authorized representative's 670 
violation was known or should have been known by one or more of the 671 
partners, officers or managers acting on behalf of the business entity and 672 
the violation was neither reported to the commissioner nor was any 673  Raised Bill No.  398 
 
 
 
LCO No. 125   	23 of 40 
 
corrective action taken. 674 
(d) The commissioner shall retain the authority to enforce the 675 
provisions of, and impose any penalty or remedy authorized by, any 676 
provision of title 38a of the general statutes against any person who is 677 
under investigation for or charged with a violation of title 38a of the 678 
general statutes even if the person's license, authorization, designation 679 
or registration has been surrendered or has lapsed by operation of law. 680 
Sec. 10. (NEW) (Effective October 1, 2024) (a) Except as provided in 681 
subsections (b) and (c) of this section, each of the following shall be 682 
deemed an unfair or deceptive insurance practice under section 38a-816 683 
of the general statutes, as amended by this act: 684 
(1) Any violation of a provision of section 4, 5, 7 or 9 of this act by a 685 
limited lines travel insurance producer if such provision is applicable to 686 
the limited lines travel insurance producer; 687 
(2) Any violation of a provision of section 6 or 8 of this act by an 688 
insurer if such provision is applicable to such insurer; 689 
(3) Offering or selling a policy of travel insurance in this state that is 690 
never required to pay a claim; and 691 
(4) Marketing that coverage under a blanket travel insurance policy 692 
is provided free of charge. 693 
(b) Except as provided in subsection (c) of this section, each of the 694 
following shall be deemed an unfair or deceptive trade practice under 695 
subsection (a) of section 42-110b of the general statutes: 696 
(1) Any violation of a provision of section 4, 5, 7 or 9 of this act by a 697 
travel retailer or designated travel retailer if such provision is applicable 698 
to the travel retailer or designated travel retailer; and 699 
(2) Any violation of a provision of section 6 of this act by a travel 700 
administrator if such provision is applicable to the travel administrator. 701  Raised Bill No.  398 
 
 
 
LCO No. 125   	24 of 40 
 
(c) It shall not be an unfair or deceptive insurance practice under 702 
section 38a-816 of the general statutes, as amended by this act, or an 703 
unfair or deceptive trade practice under subsection (a) of section 42-110b 704 
of the general statutes: 705 
(1) If a consumer's destination jurisdiction requires insurance 706 
coverage, to require the consumer to choose one of the following options 707 
as a condition to purchasing a trip or travel package: 708 
(A) Purchasing the coverage required by such destination jurisdiction 709 
through the designated travel retailer or limited lines travel insurance 710 
producer supplying the trip or travel package; or 711 
(B) Agreeing to obtain and provide proof of coverage that meets the 712 
destination jurisdiction's requirements prior to the time that the 713 
consumer departs for such trip or travel; or 714 
(2) If travel insurance coverage is directly marketed to a consumer 715 
through an insurer's Internet web site or an aggregator web site and the 716 
consumer may access all provisions of such travel insurance coverage 717 
by electronic means, and an accurate summary or short description of 718 
such travel insurance coverage is provided on the insurer's Internet web 719 
site or aggregator web site. 720 
Sec. 11. (NEW) (Effective October 1, 2024) The commissioner may 721 
adopt regulations, in accordance with chapter 54 of the general statutes, 722 
to implement the provisions of section 38a-398 of the general statutes, 723 
as amended by this act, and sections 3 to 10, inclusive, of this act. 724 
Sec. 12. Subsection (a) of section 38a-11 of the 2024 supplement to the 725 
general statutes is repealed and the following is substituted in lieu 726 
thereof (Effective October 1, 2024): 727 
(a) The commissioner shall demand and receive the following fees: 728 
(1) For the annual fee for each license issued to a domestic insurance 729 
company, two hundred dollars; (2) for receiving and filing annual 730 
reports of domestic insurance companies, fifty dollars; (3) for filing all 731  Raised Bill No.  398 
 
 
 
LCO No. 125   	25 of 40 
 
documents prerequisite to the issuance of a license to an insurance 732 
company, two hundred twenty dollars, except that the fee for such 733 
filings by any health care center, as defined in section 38a-175, shall be 734 
one thousand three hundred fifty dollars; (4) for filing any additional 735 
paper required by law, thirty dollars; (5) for each certificate of valuation, 736 
organization, reciprocity or compliance, forty dollars; (6) for each 737 
certified copy of a license to a company, forty dollars; (7) for each 738 
certified copy of a report or certificate of condition of a company to be 739 
filed in any other state, forty dollars; (8) for amending a certificate of 740 
authority, two hundred dollars; (9) for each license issued to a rating 741 
organization, two hundred dollars. In addition, insurance companies 742 
shall pay any fees imposed under section 12-211; (10) a filing fee of fifty 743 
dollars for each initial application for a license made pursuant to section 744 
38a-769; (11) with respect to insurance agents' appointments: (A) A 745 
filing fee of fifty dollars for each request for any agent appointment, 746 
except that no filing fee shall be payable for a request for agent 747 
appointment by an insurance company domiciled in a state or foreign 748 
country which does not require any filing fee for a request for agent 749 
appointment for a Connecticut insurance company; (B) a fee of one 750 
hundred dollars for each appointment issued to an agent of a domestic 751 
insurance company or for each appointment continued; and (C) a fee of 752 
eighty dollars for each appointment issued to an agent of any other 753 
insurance company or for each appointment continued, except that (i) 754 
no fee shall be payable for an appointment issued to an agent of an 755 
insurance company domiciled in a state or foreign country which does 756 
not require any fee for an appointment issued to an agent of a 757 
Connecticut insurance company, and (ii) the fee shall be twenty dollars 758 
for each appointment issued or continued to an agent of an insurance 759 
company domiciled in a state or foreign country with a premium tax 760 
rate below Connecticut's premium tax rate; (12) with respect to 761 
insurance producers: (A) An examination fee of fifteen dollars for each 762 
examination taken, except when a testing service is used, the testing 763 
service shall pay a fee of fifteen dollars to the commissioner for each 764 
examination taken by an applicant; (B) a fee of eighty dollars for each 765 
license issued; (C) a fee of eighty dollars per year, or any portion thereof, 766  Raised Bill No.  398 
 
 
 
LCO No. 125   	26 of 40 
 
for each license renewed; and (D) a fee of eighty dollars for any license 767 
renewed under the transitional process established in section 38a-784; 768 
(13) with respect to public adjusters: (A) An examination fee of fifteen 769 
dollars for each examination taken, except when a testing service is 770 
used, the testing service shall pay a fee of fifteen dollars to the 771 
commissioner for each examination taken by an applicant; and (B) a fee 772 
of two hundred fifty dollars for each license issued or renewed; (14) with 773 
respect to casualty claims adjusters: (A) An examination fee of twenty 774 
dollars for each examination taken, except when a testing service is 775 
used, the testing service shall pay a fee of twenty dollars to the 776 
commissioner for each examination taken by an applicant; (B) a fee of 777 
eighty dollars for each license issued or renewed; and (C) the expense of 778 
any examination administered outside the state shall be the 779 
responsibility of the entity making the request and such entity shall pay 780 
to the commissioner two hundred dollars for such examination and the 781 
actual traveling expenses of the examination administrator to 782 
administer such examination; (15) with respect to motor vehicle 783 
physical damage appraisers: (A) An examination fee of eighty dollars 784 
for each examination taken, except when a testing service is used, the 785 
testing service shall pay a fee of eighty dollars to the commissioner for 786 
each examination taken by an applicant; (B) a fee of eighty dollars for 787 
each license issued or renewed; and (C) the expense of any examination 788 
administered outside the state shall be the responsibility of the entity 789 
making the request and such entity shall pay to the commissioner two 790 
hundred dollars for such examination and the actual traveling expenses 791 
of the examination administrator to administer such examination; (16) 792 
with respect to certified insurance consultants: (A) An examination fee 793 
of twenty-six dollars for each examination taken, except when a testing 794 
service is used, the testing service shall pay a fee of twenty-six dollars to 795 
the commissioner for each examination taken by an applicant; (B) a fee 796 
of two hundred fifty dollars for each license issued; and (C) a fee of two 797 
hundred fifty dollars for each license renewed; (17) with respect to 798 
surplus lines brokers: (A) An examination fee of twenty dollars for each 799 
examination taken, except when a testing service is used, the testing 800 
service shall pay a fee of twenty dollars to the commissioner for each 801  Raised Bill No.  398 
 
 
 
LCO No. 125   	27 of 40 
 
examination taken by an applicant; and (B) a fee of six hundred twenty-802 
five dollars for each license issued or renewed; (18) with respect to 803 
fraternal agents, a fee of eighty dollars for each license issued or 804 
renewed; (19) a fee of twenty-six dollars for each license certificate 805 
requested, whether or not a license has been issued; (20) with respect to 806 
domestic and foreign benefit societies shall pay: (A) For service of 807 
process, fifty dollars for each person or insurer to be served; (B) for filing 808 
a certified copy of its charter or articles of association, fifteen dollars; (C) 809 
for filing an annual statement or report, twenty dollars; and (D) for filing 810 
any additional paper required by law, fifteen dollars; (21) with respect 811 
to foreign benefit societies: (A) For each certificate of organization or 812 
compliance, fifteen dollars; (B) for each certified copy of permit, fifteen 813 
dollars; and (C) for each copy of a report or certificate of condition of a 814 
society to be filed in any other state, fifteen dollars; (22) with respect to 815 
reinsurance intermediaries, a fee of six hundred twenty-five dollars for 816 
each license issued or renewed; (23) with respect to life settlement 817 
providers: (A) A filing fee of twenty-six dollars for each initial 818 
application for a license made pursuant to section 38a-465a; and (B) a 819 
fee of forty dollars for each license issued or renewed; (24) with respect 820 
to life settlement brokers: (A) A filing fee of twenty-six dollars for each 821 
initial application for a license made pursuant to section 38a-465a; and 822 
(B) a fee of forty dollars for each license issued or renewed; (25) with 823 
respect to preferred provider networks, a fee of two thousand seven 824 
hundred fifty dollars for each license issued or renewed; (26) with 825 
respect to rental companies, as defined in section 38a-799, a fee of eighty 826 
dollars for each permit issued or renewed; (27) with respect to medical 827 
discount plan organizations licensed under section 38a-479rr, a fee of six 828 
hundred twenty-five dollars for each license issued or renewed; (28) 829 
with respect to pharmacy benefits managers, an application fee of one 830 
hundred dollars for each registration issued or renewed; (29) with 831 
respect to captive insurance companies, as defined in section 38a-91aa, 832 
a fee of three hundred seventy-five dollars for each license issued or 833 
renewed; (30) with respect to each duplicate license issued a fee of fifty 834 
dollars for each license issued; (31) with respect to surety bail bond 835 
agents, as defined in section 38a-660, (A) a filing fee of one hundred fifty 836  Raised Bill No.  398 
 
 
 
LCO No. 125   	28 of 40 
 
dollars for each initial application for a license, and (B) a fee of one 837 
hundred dollars for each license issued or renewed; (32) with respect to 838 
third-party administrators, as defined in section 38a-720, (A) a fee of five 839 
hundred dollars for each license issued, and (B) a fee of four hundred 840 
fifty dollars for each license renewed; (33) with respect to portable 841 
electronics insurance licenses under section 38a-397, (A) a filing fee of 842 
one hundred dollars for each initial application for a license, (B) a fee of 843 
five hundred dollars for each license issued, and (C) a fee of four 844 
hundred fifty dollars for each license renewed; (34) with respect to 845 
limited lines travel insurance producer [licenses] authorizations under 846 
section [38a-398] 4 of this act, (A) a filing fee of one hundred dollars for 847 
each initial application for [a license] authorization, (B) a fee of six 848 
hundred fifty dollars for each [license] authorization issued, and (C) a 849 
fee of six hundred fifty dollars for each [license] authorization renewed; 850 
(35) with respect to certified reinsurers, as certified by the commissioner 851 
pursuant to regulations adopted pursuant to section 38a-85, a fee of two 852 
thousand dollars for each certificate issued and renewed; and (36) with 853 
respect to reciprocal jurisdiction reinsurers, as defined in regulations 854 
adopted pursuant to section 38a-85, a fee of two thousand dollars for 855 
each certificate issued and renewed. 856 
Sec. 13. Subsection (d) of section 38a-792 of the general statutes is 857 
repealed and the following is substituted in lieu thereof (Effective October 858 
1, 2024): 859 
(d) The provisions of this section shall not apply to any: 860 
(1) (A) Individual who, for purposes of claims for portable electronics 861 
insurance, as defined in section 38a-397, only (i) collects claim 862 
information from or furnishes claim information to insureds or 863 
claimants, and (ii) conducts data entry, including data entry into an 864 
automated claims adjudication system, provided (I) such individual is 865 
an employee of a casualty insurance company licensed in this state, an 866 
employee of a casualty claims adjuster licensed in this state or an 867 
employee of an affiliate of such insurance company or adjuster, and (II) 868 
not more than twenty-five such individuals are under the supervision 869  Raised Bill No.  398 
 
 
 
LCO No. 125   	29 of 40 
 
of a casualty claims adjuster licensed in this state or an insurance 870 
producer who adjusts portable electronics insurance claims and is 871 
licensed in this state. A licensed insurance producer who adjusts 872 
portable electronics insurance claims or supervises individuals 873 
pursuant to this subparagraph shall not be required to be licensed as a 874 
casualty claims adjuster. 875 
(B) For purposes of this subdivision, "automated claims adjudication 876 
system" means a preprogrammed computer system, designed for the 877 
collection, data entry, calculation and final resolution of portable 878 
electronics insurance claims, that (i) is used only by a supervised 879 
individual, a casualty claims adjuster licensed in this state or an 880 
insurance producer licensed in this state, in accordance with 881 
subparagraph (A) of this subdivision, and (ii) complies with all 882 
applicable claims payment requirements under this title; [or] 883 
(2) Member of the bar of this state in good standing who is engaged 884 
in the general practice of the law; or 885 
(3) Travel administrator, as defined in section 38a-398, as amended 886 
by this act, or employee of a travel administrator for travel insurance, as 887 
defined in said section, administered by such travel administrator. 888 
Sec. 14. Section 38a-816 of the general statutes is repealed and the 889 
following is substituted in lieu thereof (Effective October 1, 2024): 890 
The following are defined as unfair methods of competition and 891 
unfair and deceptive acts or practices in the business of insurance: 892 
(1) Misrepresentations and false advertising of insurance policies. 893 
Making, issuing or circulating, or causing to be made, issued or 894 
circulated, any estimate, illustration, circular or statement, sales 895 
presentation, omission or comparison which: (A) Misrepresents the 896 
benefits, advantages, conditions or terms of any insurance policy; (B) 897 
misrepresents the dividends or share of the surplus to be received, on 898 
any insurance policy; (C) makes any false or misleading statements as 899 
to the dividends or share of surplus previously paid on any insurance 900  Raised Bill No.  398 
 
 
 
LCO No. 125   	30 of 40 
 
policy; (D) is misleading or is a misrepresentation as to the financial 901 
condition of any person, or as to the legal reserve system upon which 902 
any life insurer operates; (E) uses any name or title of any insurance 903 
policy or class of insurance policies misrepresenting the true nature 904 
thereof; (F) is a misrepresentation, including, but not limited to, an 905 
intentional misquote of a premium rate, for the purpose of inducing or 906 
tending to induce to the purchase, lapse, forfeiture, exchange, 907 
conversion or surrender of any insurance policy; (G) is a 908 
misrepresentation for the purpose of effecting a pledge or assignment of 909 
or effecting a loan against any insurance policy; or (H) misrepresents 910 
any insurance policy as being shares of stock. 911 
(2) False information and advertising generally. Making, publishing, 912 
disseminating, circulating or placing before the public, or causing, 913 
directly or indirectly, to be made, published, disseminated, circulated or 914 
placed before the public, in a newspaper, magazine or other publication, 915 
or in the form of a notice, circular, pamphlet, letter or poster, or over any 916 
radio or television station, or in any other way, an advertisement, 917 
announcement or statement containing any assertion, representation or 918 
statement with respect to the business of insurance or with respect to 919 
any person in the conduct of his insurance business, which is untrue, 920 
deceptive or misleading. 921 
(3) Defamation. Making, publishing, disseminating or circulating, 922 
directly or indirectly, or aiding, abetting or encouraging the making, 923 
publishing, disseminating or circulating of, any oral or written 924 
statement or any pamphlet, circular, article or literature which is false 925 
or maliciously critical of or derogatory to the financial condition of an 926 
insurer, and which is calculated to injure any person engaged in the 927 
business of insurance. 928 
(4) Boycott, coercion and intimidation. Entering into any agreement 929 
to commit, or by any concerted action committing, any act of boycott, 930 
coercion or intimidation resulting in or tending to result in unreasonable 931 
restraint of, or monopoly in, the business of insurance. 932  Raised Bill No.  398 
 
 
 
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(5) False financial statements. Filing with any supervisory or other 933 
public official, or making, publishing, disseminating, circulating or 934 
delivering to any person, or placing before the public, or causing, 935 
directly or indirectly, to be made, published, disseminated, circulated or 936 
delivered to any person, or placed before the public, any false statement 937 
of financial condition of an insurer with intent to deceive; or making any 938 
false entry in any book, report or statement of any insurer with intent to 939 
deceive any agent or examiner lawfully appointed to examine into its 940 
condition or into any of its affairs, or any public official to whom such 941 
insurer is required by law to report, or who has authority by law to 942 
examine into its condition or into any of its affairs, or, with like intent, 943 
wilfully omitting to make a true entry of any material fact pertaining to 944 
the business of such insurer in any book, report or statement of such 945 
insurer. 946 
(6) Unfair claim settlement practices. Committing or performing with 947 
such frequency as to indicate a general business practice any of the 948 
following: (A) Misrepresenting pertinent facts or insurance policy 949 
provisions relating to coverages at issue; (B) failing to acknowledge and 950 
act with reasonable promptness upon communications with respect to 951 
claims arising under insurance policies; (C) failing to adopt and 952 
implement reasonable standards for the prompt investigation of claims 953 
arising under insurance policies; (D) refusing to pay claims without 954 
conducting a reasonable investigation based upon all available 955 
information; (E) failing to affirm or deny coverage of claims within a 956 
reasonable time after proof of loss statements have been completed; (F) 957 
not attempting in good faith to effectuate prompt, fair and equitable 958 
settlements of claims in which liability has become reasonably clear; (G) 959 
compelling insureds to institute litigation to recover amounts due under 960 
an insurance policy by offering substantially less than the amounts 961 
ultimately recovered in actions brought by such insureds; (H) 962 
attempting to settle a claim for less than the amount to which a 963 
reasonable man would have believed he was entitled by reference to 964 
written or printed advertising material accompanying or made part of 965 
an application; (I) attempting to settle claims on the basis of an 966  Raised Bill No.  398 
 
 
 
LCO No. 125   	32 of 40 
 
application which was altered without notice to, or knowledge or 967 
consent of the insured; (J) making claims payments to insureds or 968 
beneficiaries not accompanied by statements setting forth the coverage 969 
under which the payments are being made; (K) making known to 970 
insureds or claimants a policy of appealing from arbitration awards in 971 
favor of insureds or claimants for the purpose of compelling them to 972 
accept settlements or compromises less than the amount awarded in 973 
arbitration; (L) delaying the investigation or payment of claims by 974 
requiring an insured, claimant, or the physician of either to submit a 975 
preliminary claim report and then requiring the subsequent submission 976 
of formal proof of loss forms, both of which submissions contain 977 
substantially the same information; (M) failing to promptly settle claims, 978 
where liability has become reasonably clear, under one portion of the 979 
insurance policy coverage in order to influence settlements under other 980 
portions of the insurance policy coverage; (N) failing to promptly 981 
provide a reasonable explanation of the basis in the insurance policy in 982 
relation to the facts or applicable law for denial of a claim or for the offer 983 
of a compromise settlement; or (O) using as a basis for cash settlement 984 
with a first party automobile insurance claimant an amount which is less 985 
than the amount which the insurer would pay if repairs were made 986 
unless such amount is agreed to by the insured or provided for by the 987 
insurance policy. 988 
(7) Failure to maintain complaint handling procedures. Failure of any 989 
person to maintain complete record of all the complaints which it has 990 
received since the date of its last examination. This record shall indicate 991 
the total number of complaints, their classification by line of insurance, 992 
the nature of each complaint, the disposition of these complaints, and 993 
the time it took to process each complaint. For purposes of this 994 
subdivision "complaint" means any written communication primarily 995 
expressing a grievance. 996 
(8) Misrepresentation in insurance applications. Making false or 997 
fraudulent statements or representations on or relative to an application 998 
for an insurance policy for the purpose of obtaining a fee, commission, 999 
money or other benefit from any insurer, producer or individual. 1000  Raised Bill No.  398 
 
 
 
LCO No. 125   	33 of 40 
 
(9) Any violation of any one of sections 38a-358, 38a-446, 38a-447, 38a-1001 
488, 38a-825, 38a-826, 38a-828 and 38a-829. None of the following 1002 
practices shall be considered discrimination within the meaning of 1003 
section 38a-446 or 38a-488 or a rebate within the meaning of section 38a-1004 
825: (A) Paying bonuses to policyholders or otherwise abating their 1005 
premiums in whole or in part out of surplus accumulated from 1006 
nonparticipating insurance, provided any such bonuses or abatement of 1007 
premiums shall be fair and equitable to policyholders and for the best 1008 
interests of the company and its policyholders; (B) in the case of policies 1009 
issued on the industrial debit plan, making allowance to policyholders 1010 
who have continuously for a specified period made premium payments 1011 
directly to an office of the insurer in an amount which fairly represents 1012 
the saving in collection expense; and (C) readjustment of the rate of 1013 
premium for a group insurance policy based on loss or expense 1014 
experience, or both, at the end of the first or any subsequent policy year, 1015 
which may be made retroactive for such policy year. 1016 
(10) Notwithstanding any provision of any policy of insurance, 1017 
certificate or service contract, whenever such insurance policy or 1018 
certificate or service contract provides for reimbursement for any 1019 
services which may be legally performed by any practitioner of the 1020 
healing arts licensed to practice in this state, reimbursement under such 1021 
insurance policy, certificate or service contract shall not be denied 1022 
because of race, color or creed nor shall any insurer make or permit any 1023 
unfair discrimination against particular individuals or persons so 1024 
licensed. 1025 
(11) Favored agent or insurer: Coercion of debtors. (A) No person 1026 
may (i) require, as a condition precedent to the lending of money or 1027 
extension of credit, or any renewal thereof, that the person to whom 1028 
such money or credit is extended or whose obligation the creditor is to 1029 
acquire or finance, negotiate any policy or contract of insurance through 1030 
a particular insurer or group of insurers or producer or group of 1031 
producers; (ii) unreasonably disapprove the insurance policy provided 1032 
by a borrower for the protection of the property securing the credit or 1033 
lien; (iii) require directly or indirectly that any borrower, mortgagor, 1034  Raised Bill No.  398 
 
 
 
LCO No. 125   	34 of 40 
 
purchaser, insurer or producer pay a separate charge, in connection 1035 
with the handling of any insurance policy required as security for a loan 1036 
on real estate or pay a separate charge to substitute the insurance policy 1037 
of one insurer for that of another; or (iv) use or disclose information 1038 
resulting from a requirement that a borrower, mortgagor or purchaser 1039 
furnish insurance of any kind on real property being conveyed or used 1040 
as collateral security to a loan, when such information is to the 1041 
advantage of the mortgagee, vendor or lender, or is to the detriment of 1042 
the borrower, mortgagor, purchaser, insurer or the producer complying 1043 
with such a requirement. 1044 
(B) (i) Subparagraph (A)(iii) of this subdivision shall not include the 1045 
interest which may be charged on premium loans or premium 1046 
advancements in accordance with the security instrument. (ii) For 1047 
purposes of subparagraph (A)(ii) of this subdivision, such disapproval 1048 
shall be deemed unreasonable if it is not based solely on reasonable 1049 
standards uniformly applied, relating to the extent of coverage required 1050 
and the financial soundness and the services of an insurer. Such 1051 
standards shall not discriminate against any particular type of insurer, 1052 
nor shall such standards call for the disapproval of an insurance policy 1053 
because such policy contains coverage in addition to that required. (iii) 1054 
The commissioner may investigate the affairs of any person to whom 1055 
this subdivision applies to determine whether such person has violated 1056 
this subdivision. If a violation of this subdivision is found, the person in 1057 
violation shall be subject to the same procedures and penalties as are 1058 
applicable to other provisions of section 38a-815, subsections (b) and (e) 1059 
of section 38a-817 and this section. (iv) For purposes of this section, 1060 
"person" includes any individual, corporation, limited liability 1061 
company, association, partnership or other legal entity. 1062 
(12) Refusing to insure, refusing to continue to insure or limiting the 1063 
amount, extent or kind of coverage available to an individual or 1064 
charging an individual a different rate for the same coverage because of 1065 
physical disability, mental or nervous condition as set forth in section 1066 
38a-488a or intellectual disability, except where the refusal, limitation or 1067 
rate differential is based on sound actuarial principles or is related to 1068  Raised Bill No.  398 
 
 
 
LCO No. 125   	35 of 40 
 
actual or reasonably anticipated experience. 1069 
(13) Refusing to insure, refusing to continue to insure or limiting the 1070 
amount, extent or kind of coverage available to an individual or 1071 
charging an individual a different rate for the same coverage solely 1072 
because of blindness or partial blindness. For purposes of this 1073 
subdivision, "refusal to insure" includes the denial by an insurer of 1074 
disability insurance coverage on the grounds that the policy defines 1075 
"disability" as being presumed in the event that the insured is blind or 1076 
partially blind, except that an insurer may exclude from coverage any 1077 
disability, consisting solely of blindness or partial blindness, when such 1078 
condition existed at the time the policy was issued. Any individual who 1079 
is blind or partially blind shall be subject to the same standards of sound 1080 
actuarial principles or actual or reasonably anticipated experience as are 1081 
sighted persons with respect to all other conditions, including the 1082 
underlying cause of the blindness or partial blindness. 1083 
(14) Refusing to insure, refusing to continue to insure or limiting the 1084 
amount, extent or kind of coverage available to an individual or 1085 
charging an individual a different rate for the same coverage because of 1086 
exposure to diethylstilbestrol through the female parent. 1087 
(15) (A) Failure by an insurer, or any other entity responsible for 1088 
providing payment to a health care provider pursuant to an insurance 1089 
policy, to pay accident and health claims, including, but not limited to, 1090 
claims for payment or reimbursement to health care providers, within 1091 
the time periods set forth in subparagraph (B) of this subdivision, unless 1092 
the Insurance Commissioner determines that a legitimate dispute exists 1093 
as to coverage, liability or damages or that the claimant has fraudulently 1094 
caused or contributed to the loss. Any insurer, or any other entity 1095 
responsible for providing payment to a health care provider pursuant 1096 
to an insurance policy, who fails to pay such a claim or request within 1097 
the time periods set forth in subparagraph (B) of this subdivision shall 1098 
pay the claimant or health care provider the amount of such claim plus 1099 
interest at the rate of fifteen per cent per annum, in addition to any other 1100 
penalties which may be imposed pursuant to sections 38a-11, as 1101  Raised Bill No.  398 
 
 
 
LCO No. 125   	36 of 40 
 
amended by this act, 38a-25, 38a-41 to 38a-53, inclusive, 38a-57 to 38a-1102 
60, inclusive, 38a-62 to 38a-64, inclusive, 38a-76, 38a-83, 38a-84, 38a-117 1103 
to 38a-124, inclusive, 38a-129 to 38a-140, inclusive, 38a-146 to 38a-155, 1104 
inclusive, 38a-283, 38a-288 to 38a-290, inclusive, 38a-319, 38a-320, 38a-1105 
459, 38a-464, 38a-815 to 38a-819, inclusive, 38a-824 to 38a-826, inclusive, 1106 
and 38a-828 to 38a-830, inclusive. Whenever the interest due a claimant 1107 
or health care provider pursuant to this section is less than one dollar, 1108 
the insurer shall deposit such amount in a separate interest-bearing 1109 
account in which all such amounts shall be deposited. At the end of each 1110 
calendar year each such insurer shall donate such amount to The 1111 
University of Connecticut Health Center. 1112 
(B) Each insurer or other entity responsible for providing payment to 1113 
a health care provider pursuant to an insurance policy subject to this 1114 
section, shall pay claims not later than: 1115 
(i) For claims filed in paper format, sixty days after receipt by the 1116 
insurer of the claimant's proof of loss form or the health care provider's 1117 
request for payment filed in accordance with the insurer's practices or 1118 
procedures, except that when there is a deficiency in the information 1119 
needed for processing a claim, as determined in accordance with section 1120 
38a-477, the insurer shall (I) send written notice to the claimant or health 1121 
care provider, as the case may be, of all alleged deficiencies in 1122 
information needed for processing a claim not later than thirty days 1123 
after the insurer receives a claim for payment or reimbursement under 1124 
the contract, and (II) pay claims for payment or reimbursement under 1125 
the contract not later than thirty days after the insurer receives the 1126 
information requested; and 1127 
(ii) For claims filed in electronic format, twenty days after receipt by 1128 
the insurer of the claimant's proof of loss form or the health care 1129 
provider's request for payment filed in accordance with the insurer's 1130 
practices or procedures, except that when there is a deficiency in the 1131 
information needed for processing a claim, as determined in accordance 1132 
with section 38a-477, the insurer shall (I) notify the claimant or health 1133 
care provider, as the case may be, of all alleged deficiencies in 1134  Raised Bill No.  398 
 
 
 
LCO No. 125   	37 of 40 
 
information needed for processing a claim not later than ten days after 1135 
the insurer receives a claim for payment or reimbursement under the 1136 
contract, and (II) pay claims for payment or reimbursement under the 1137 
contract not later than ten days after the insurer receives the information 1138 
requested. 1139 
(C) As used in this subdivision, "health care provider" means a person 1140 
licensed to provide health care services under chapter 368d, chapter 1141 
368v, chapters 370 to 373, inclusive, 375 to 383c, inclusive, 384a to 384c, 1142 
inclusive, or chapter 400j. 1143 
(16) Failure to pay, as part of any claim for a damaged motor vehicle 1144 
under any automobile insurance policy where the vehicle has been 1145 
declared to be a constructive total loss, an amount equal to the sum of 1146 
(A) the settlement amount on such vehicle plus, whenever the insurer 1147 
takes title to such vehicle, (B) an amount determined by multiplying 1148 
such settlement amount by a percentage equivalent to the current sales 1149 
tax rate established in section 12-408. For purposes of this subdivision, 1150 
"constructive total loss" means the cost to repair or salvage damaged 1151 
property, or the cost to both repair and salvage such property, equals or 1152 
exceeds the total value of the property at the time of the loss. 1153 
(17) Any violation of section 42-260, by an extended warranty 1154 
provider subject to the provisions of said section, including, but not 1155 
limited to: (A) Failure to include all statements required in subsections 1156 
(c) and (f) of section 42-260 in an issued extended warranty; (B) offering 1157 
an extended warranty without being (i) insured under an adequate 1158 
extended warranty reimbursement insurance policy or (ii) able to 1159 
demonstrate that reserves for claims contained in the provider's 1160 
financial statements are not in excess of one-half the provider's audited 1161 
net worth; (C) failure to submit a copy of an issued extended warranty 1162 
form or a copy of such provider's extended warranty reimbursement 1163 
policy form to the Insurance Commissioner. 1164 
(18) With respect to an insurance company, hospital service 1165 
corporation, health care center or fraternal benefit society providing 1166  Raised Bill No.  398 
 
 
 
LCO No. 125   	38 of 40 
 
individual or group health insurance coverage of the types specified in 1167 
subdivisions (1), (2), (4), (5), (6), (10), (11) and (12) of section 38a-469, 1168 
refusing to insure, refusing to continue to insure or limiting the amount, 1169 
extent or kind of coverage available to an individual or charging an 1170 
individual a different rate for the same coverage because such 1171 
individual has been a victim of domestic violence, as defined in section 1172 
17b-112a. 1173 
(19) With respect to a property and casualty insurer delivering, 1174 
issuing for delivery, renewing, amending, continuing or endorsing a 1175 
property or casualty insurance policy, making any distinction or 1176 
discrimination against an individual in delivering, issuing for delivery, 1177 
renewing, amending, continuing, endorsing, offering, withholding, 1178 
cancelling or setting premiums for such policy, or in the terms of such 1179 
policy, because the individual has been a victim of domestic violence, as 1180 
defined in section 17b-112a. 1181 
(20) With respect to an insurance company, hospital service 1182 
corporation, health care center or fraternal benefit society providing 1183 
individual or group health insurance coverage of the types specified in 1184 
subdivisions (1), (2), (3), (4), (6), (9), (10), (11) and (12) of section 38a-469, 1185 
refusing to insure, refusing to continue to insure or limiting the amount, 1186 
extent or kind of coverage available to an individual or charging an 1187 
individual a different rate for the same coverage because of genetic 1188 
information. Genetic information indicating a predisposition to a 1189 
disease or condition shall not be deemed a preexisting condition in the 1190 
absence of a diagnosis of such disease or condition that is based on other 1191 
medical information. An insurance company, hospital service 1192 
corporation, health care center or fraternal benefit society providing 1193 
individual health coverage of the types specified in subdivisions (1), (2), 1194 
(3), (4), (6), (9), (10), (11) and (12) of section 38a-469, shall not be 1195 
prohibited from refusing to insure or applying a preexisting condition 1196 
limitation, to the extent permitted by law, to an individual who has been 1197 
diagnosed with a disease or condition based on medical information 1198 
other than genetic information and has exhibited symptoms of such 1199 
disease or condition. For the purposes of this subdivision, "genetic 1200  Raised Bill No.  398 
 
 
 
LCO No. 125   	39 of 40 
 
information" means the information about genes, gene products or 1201 
inherited characteristics that may derive from an individual or family 1202 
member. 1203 
(21) Any violation of sections 38a-465 to 38a-465q, inclusive. 1204 
(22) With respect to a managed care organization, as defined in 1205 
section 38a-478, failing to establish a confidentiality procedure for 1206 
medical record information, as required by section 38a-999. 1207 
(23) Any violation of sections 38a-591d to 38a-591f, inclusive. 1208 
(24) Any violation of section 38a-472j. 1209 
(25) Any violation of section 38a-833. 1210 
(26) Any violation of section 38a-834. 1211 
(27) Any violation described in subsection (a) of section 10 of this act. 1212 
This act shall take effect as follows and shall amend the following 
sections: 
 
Section 1 October 1, 2024 38a-1 
Sec. 2 October 1, 2024 38a-398 
Sec. 3 October 1, 2024 New section 
Sec. 4 October 1, 2024 New section 
Sec. 5 October 1, 2024 New section 
Sec. 6 October 1, 2024 New section 
Sec. 7 October 1, 2024 New section 
Sec. 8 October 1, 2024 New section 
Sec. 9 October 1, 2024 New section 
Sec. 10 October 1, 2024 New section 
Sec. 11 October 1, 2024 New section 
Sec. 12 October 1, 2024 38a-11(a) 
Sec. 13 October 1, 2024 38a-792(d) 
Sec. 14 October 1, 2024 38a-816 
 
Statement of Purpose:   
To provide for the regulation and taxation of travel insurance, and 
associated entities, products and professionals, in this state.  Raised Bill No.  398 
 
 
 
LCO No. 125   	40 of 40 
 
[Proposed deletions are enclosed in brackets. Proposed additions are indicated by underline, except 
that when the entire text of a bill or resolution or a section of a bill or resolution is new, it is not 
underlined.]