Arkansas requires that all Life & Health forms be approved prior to use in this State.  This includes certificates to be used in Arkansas, even though the group policy may be issued in another state.

Rates for individual accident and health coverage, individual life contracts with non-guaranteed cost factors and individual and group credit life and health must be filed for approval.

Advertising for Medicare supplement coverage, long term care coverage and external-indexed coverage must be approved prior to use.

The Department has 30 days after a form, rate or advertising submission is received by our Department to either approve or disapprove the submission.  By our notifying the submitting company, we can add an additional 30 days of review time.  If we approve or fail to disapprove or exercise the additional review period within 30 days after the submission is received, the forms may be used without further action on the part of the submitting company.  If we disapprove a submission, we will provide written notice to the submitting company stating the reason for disapproval.

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