# ME Insurance Bulletin 143: Roll-on coverages

> Maine · Agency guidance · In force

URL: https://www.frixlaw.com/law-library/statutes/ME_INS_B_143

## Section

- **Citation:** ME Insurance Bulletin 143
- **Heading:** Roll-on coverages
- **Jurisdiction:** Maine
- **Kind:** Agency guidance
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Maine Bureau of Insurance Bulletins / Roll-on coverages

## Text

Bulletin 143
Roll-on coverages
March 25, 1985
The Maine Bureau of Insurance continues to be concerned that some agents and/or insurers may be
engaged in the practice of automatically adding optional insurance benefits or coverages to their
clients' policies without obtaining the prior consent or approval of the policyholders. This procedure is
often referred to as "rolling-on" coverage.
The Bureau of Insurance deems "roll-on" coverage to be a deceptive and unfair trade practice in
violation of Title 24-A M.R.S.A. Chapter 23. Appropriate enforcement action will be taken against any
licensee who engages in this practice.
The following are not considered "roll-ons" by the Bureau:
1. Inflation guard or similar contractual coverages that have been pre-sold and contemplate periodic
stated increases in benefits. This can include agreements acknowledged by a policyholder to provide
increases on a prearranged schedule.
2. Increases in benefits implemented by an agent who has been pre-authorized by a policyholder to
amend the policy as he or she determines is necessary for adequate protection of the insured.
3. Any changes mandated by statute.
4. Benefit liberalizations for which no additional premium is charged.
Agents and insurers should continue to evaluate a policyholder's requirements in light of such factors
as inflation, new coverages
becoming available and changes in the insured's circumstances. Except as stated above, proposed
changes in coverage shall not be effectuated without the prior approval of the insured.
Theodore T. Briggs
Superintendent of Insurance
NOTE: This bulletin is intended solely for informational purposes. It is not intended to set forth legal
rights, duties or privileges nor is it intended to provide legal advice. Readers are encouraged to
consult applicable statutes and regulations and to contact the Bureau of Insurance if additional
information is needed.

## Nearby sections

- [ME Insurance Bulletin 108 Filing statistical information by property and casualty companies](https://www.frixlaw.com/law-library/statutes/ME_INS_B_108.md)
- [ME Insurance Bulletin 143 Roll-on coverages](https://www.frixlaw.com/law-library/statutes/ME_INS_B_143.md)
- [ME Insurance Bulletin 146 Health and Life filing requirement](https://www.frixlaw.com/law-library/statutes/ME_INS_B_146.md)
- [ME Insurance Bulletin 156 Reports of pre-utilization review](https://www.frixlaw.com/law-library/statutes/ME_INS_B_156.md)
- [ME Insurance Bulletin 158 Tie-in sales](https://www.frixlaw.com/law-library/statutes/ME_INS_B_158.md)
- [ME Insurance Bulletin 159 Application of utilization review programs to mandated benefits for the treatment of mental illness, alcoholism, and drug dependency](https://www.frixlaw.com/law-library/statutes/ME_INS_B_159.md)
- [ME Insurance Bulletin 161 Unfair discrimination against the handicapped](https://www.frixlaw.com/law-library/statutes/ME_INS_B_161.md)
- [ME Insurance Bulletin 164 Youthful operators](https://www.frixlaw.com/law-library/statutes/ME_INS_B_164.md)
- [ME Insurance Bulletin 166 Disclosure of workers' compensation reserving policy](https://www.frixlaw.com/law-library/statutes/ME_INS_B_166.md)
- [ME Insurance Bulletin 168 Pre-effective date confidentiality of certain form and rate filings](https://www.frixlaw.com/law-library/statutes/ME_INS_B_168.md)
- [ME Insurance Bulletin 174 Continuity of health insurance](https://www.frixlaw.com/law-library/statutes/ME_INS_B_174.md)
- [ME Insurance Bulletin 176 Property and casualty insurance prospective loss cost filing procedures](https://www.frixlaw.com/law-library/statutes/ME_INS_B_176.md)
- [ME Insurance Bulletin 179 Applicability of continuity of health insurance statute](https://www.frixlaw.com/law-library/statutes/ME_INS_B_179.md)
- [ME Insurance Bulletin 182 Insurance identification cards](https://www.frixlaw.com/law-library/statutes/ME_INS_B_182.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/ME_INS_B_143. Check the current official text before relying on it. Not legal advice.