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The Insurance Act 2015 (c. 4) is a United Kingdom act of Parliament which makes significant reforms to insurance law. [1] It came into effect on 12 August 2016, [ 2 ] and follows on from the Consumer Insurance (Disclosure and Representations) Act 2012 ("CIDRA").
Insurance is characterized as a business vested or affected with the public interest. [2] Thus, the business of insurance, although primarily a matter of private contract, is nevertheless of such concern to the public as a whole that it is subject to governmental regulation to protect the public’s interests. [1]
Two new statutes, the Consumer Insurance (Disclosure and Representations) Act 2012 (“CIDRA”) and the Insurance Act 2015 have addressed insurance in general, and have amended the law in several ways. Part 5 of the Insurance Act 2015 addresses "Good faith" as follows:
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The Life Insurance Corporation (Amendment) Act, 2011 The whole 85 2012 11 The Export-Import Bank of India (Amendment) Act, 2011 The whole 86 2012 26 The North-Eastern Areas (Reorganisation) and Other Related Laws (Amendment) Act, 2012 The whole 87 2012 36 The Chemical Weapons Convention (Amendment) Act, 2012 The whole 88 2013 1
The McCarran–Ferguson Act does not itself regulate insurance, nor does it mandate that states regulate insurance. It provides that "Acts of Congress" which do not expressly purport to regulate the "business of insurance" will not preempt state laws or regulations that regulate the "business of insurance." [1]
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LOMA, (formerly the Life Office Management Association) working together with LIMRA (formerly Life Insurance Marketing and Research Association) under the umbrella organization LL Global is an American trade associations for the insurance industry in the United States. [1] [2] [3]