# AL Insurance Bulletin issued 1998-10-26: Accidental Death Policy Limitation on Payment

> Alabama · Agency guidance · In force

URL: https://www.frixlaw.com/law-library/statutes/AL_INS_UB_1998_10_26_AccidentalDeathPolicyLimitationOnPayment

## Section

- **Citation:** AL Insurance Bulletin issued 1998-10-26
- **Heading:** Accidental Death Policy Limitation on Payment
- **Jurisdiction:** Alabama
- **Kind:** Agency guidance
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Alabama Department of Insurance Bulletins / Accidental Death Policy Limitation on Payment

## Text

Bulletin of October 26, 1998
Accidental death policy limitation on payment
October 26, 1998
Some insurers are questioning Alabama's rule that accidental death benefit
provisions that require the accidental death policy and/or rider to be in force at the
time of death will not be approved. Alabama requires that an insurer pay an
accidental death benefit claim if (1) the accident causing death occurs within the
coverage period and (2) death occurs within the time period following the accident as
indicated in the policy/rider. This time period cannot be less than ninety (90) days.
The authority for this rule is Section 27-14-9(5), Code of Alabama 1975, as
amended, which states:
The Commissioner may disapprove any form filed under Section 27-14-8 or withdraw
any previous approval thereof only if the form:
(5) Contains provisions which are unfair or inequitable or contrary to the public
policy of this state or which would, because such provisions are unclear or
deceptively worded, encourage misrepresentation.
Richard H. Cater
Commissioner of Insurance

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/AL_INS_UB_1998_10_26_AccidentalDeathPolicyLimitationOnPayment. Check the current official text before relying on it. Not legal advice.