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

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

   1. (1) Group life insurance policies and certificates, except for group credit life insurance policies and certificates;
   2. (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. (3) Wholesale life insurance policies;
   4. (4) Endorsements, amendments, and riders to be used with wholesale life insurance policies;
   5. (5) Accidental death benefit riders to be used with individual life insurance policies;
   6. (6) Waiver of premium riders to be used with individual life insurance policies;
   7. (7) Accidental death and dismemberment riders to be used with individual life insurance policies;
   8. (8) Riders to be used with individual life insurance policies that provide coverage to the spouse or dependent children of the insured;
   9. (9) Guaranteed insurability option riders to be used with individual life insurance policies;
   10. (10) Group annuity contracts and certificates, including variable and nonvariable group annuity contracts and certificates;
   11. (11) Endorsements, amendments, and riders to be used with group annuity contracts and certificates;
   12. (12) Individual retirement account (IRA) endorsements to be used with individual fixed annuity contracts or with individual variable annuity contracts;

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

       1. (a) Individual fixed annuity contracts; or
       2. (b) Individual variable annuity contracts;
   14. (14) Medical stop-loss insurance;
   15. (15) Group accidental death policies and certificates;
   16. (16) Group accidental death and dismemberment policies and certificates;

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

       1. (a) Any form that includes lost baggage benefits;

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

          1. (i) The insured;
          2. (ii) A member of the insured's family; or
          3. (iii) One or more of the insured's travel companions; or
       3. (c) Any form that contains any other property or casualty type benefit not included in §B(17)(a) and (b) of this regulation;

   18. (18) Group health insurance policies and certificates that:

       1. (a) Limit coverage to losses due to accident; and
       2. (b) Do not pay benefits on an expense-incurred basis;
   19. (19) Employer retrospective premium arrangements;
   20. (20) Blanket health insurance policies that limit benefits to accidental death benefits;
   21. (21) Blanket health insurance policies that limit benefits to accidental death and dismemberment benefits;
   22. (22) Blanket health insurance policies that limit benefits to travel benefits;

   23. (23) Blanket health insurance policies that:

       1. (a) Limit coverage to losses due to accident; and
       2. (b) Do not pay benefits on an expense-incurred basis; and

   24. (24) Applications, except applications for:

       1. (a) Medicare supplement policies;
       2. (b) Long-term care insurance;
       3. (c) Individual health benefit plans; and
       4. (d) Small employer health benefit plans.

Authority: Insurance Article, §§2-109 and 12-203(d)(2), Annotated Code of Maryland

Effective date: July 17, 2006 (33:14 Md. R. 1165)

Regulation .02B amended effective June 20, 2016 (43:12 Md. R. 668)

Regulation .05B amended effective June 20, 2016 (43:12 Md. R. 668)