Ind. Code ch. 27-7-8

in effect

Ind. Code § 27-7-8-1 Definitions

Sec. 1. Definitions. As used in this chapter: "Advertising" means any communication to the public the purpose of which is to convey information purporting to describe a legal insurance plan. "Commissioner" refers to the commissioner of insurance. "Department" refers to the department of insurance. "Employee" means an individual employed or permitted to work or perform services for remuneration under a contract of hire, written or oral, by an employer. "Employer" means a person who hires an employee. "Group legal insurance" refers to legal insurance issued under a master policy covering the individuals set out in subdivisions (1) and (2) of section 3 of this chapter, applying a rate that is lower than the rate shown in the insurer's manual for individual policies of the same type and class. "Insurer" means a person who obtains a certificate of authority under IC 27-1-3-20. "Legal insurance" means insurance against class 2(m) risk of loss as described in IC 27-1-5-1. "Person" means an individual, partnership, corporation, limited liability company, business trust, or association. "Solicitation" means any invitation or request to enroll in a legal insurance plan, or attempt to obtain consideration for the coverage of a legal insurance plan, or any other device the purpose of which is to induce an individual to enroll in, or pay consideration for, a legal insurance plan. As added by Acts 1978, P.L.129, SEC.2. Amended by P.L.8-1993, SEC.427.

Ind. Code § 27-7-8-2 Provisions governing legal insurance

Sec. 2. In addition to the other applicable provisions of IC 27, an insurer providing legal insurance must comply with the provisions of this chapter. As added by Acts 1978, P.L.129, SEC.2.

Ind. Code § 27-7-8-3 Authority to issue insurance to individuals and groups

Sec. 3. Legal insurance may be issued to an individual or, as a group policy to: (1) ten (10) or more employees; or (2) ten (10) or more members of a trade or professional association, labor union, or any other association of members in the same or related occupation, profession, or industry in existence for two (2) years, having a constitution, and formed for a purpose other than obtaining insurance. As added by Acts 1978, P.L.129, SEC.2.

Ind. Code § 27-7-8-4 Payment of premiums; persons authorized

Sec. 4. The following may periodically pay to the insurer, as provided in the contract to insure, the premiums on a group legal insurance policy: (1) An employer for its employees. (2) An association for its members. (3) A labor union for its members. As added by Acts 1978, P.L.129, SEC.2.

Ind. Code § 27-7-8-5 Group policies; rights to obtain individual coverage

Sec. 5. (a) A group policy must contain a provision that allows an insured member who no longer qualifies for group coverage to obtain an individual policy with similar coverage. (b) An individual desiring to obtain an individual policy as provided under subsection (a) must apply for the policy not later than thirty-one (31) days from the date on which the individual is no longer a qualified member of the group. (c) The individual policy shall be issued on one (1) of the forms issued by the insurer for individual policies, and the premium on the policy must be at the insurer's customary rate for the class of risk to which the individual belongs. As added by Acts 1978, P.L.129, SEC.2.

Ind. Code § 27-7-8-6 Master group policy; individual certificates; filing; contents

Sec. 6. An insurer shall issue an individual or master policy that serves as evidence of a contractual obligation. A certificate of coverage must be issued to each individual under a group policy. All such documents must be filed with the commissioner as required under this title. In addition to those provisions, each policy or certificate concerning legal insurance must contain a complete and clear statement of: (1) the legal benefits to which the insured is entitled; (2) any limitation or exclusion on the services, kinds of services, benefits to be provided, including deductible or copayment features; and (3) where information is available as to how services may be obtained. As added by Acts 1978, P.L.129, SEC.2.

Ind. Code § 27-7-8-7 Regulations

Sec. 7. The commissioner may promulgate regulations under IC 4-22-2 that he considers necessary for the proper administration of this chapter. As added by Acts 1978, P.L.129, SEC.2.

Source: Open US Law by Vaquill AI (CC BY 4.0)URL: https://iga.in.gov/laws/2026/ic/titles/27Fetched: 10/17/2026