Given the extraordinary circumstances, insurance customers are facing, the Arizona Department of Insurance and Financial Institutions will not take regulatory action against property and casualty insurers for COVID-19-related customer relief payments or premium forgiveness programs provided during the period of the governor-declared public health emergency, even if those payments exceed the $100 limit in Arizona's prohibited inducement statute, so long as they are implemented in a manner that is not unfairly discriminatory to customers (e.g., the criteria for receiving relief are not unfairly discriminatory and all customers who meet the criteria receive the relief). Insurers who implement a customer relief payment or premium forgiveness program in Arizona must make an informational filing in SERFF, notifying the Department of the following:
- A detailed description of the scope and terms of the relief payment and premium forgiveness programs, including any policyholder eligibility criteria being used, if any;
- A description of the basis used to determine the percentage or dollar amount of the payment;
- A description of how your customers are being informed of their right to receive a payment or premium forgiveness; and
- Confirmation that your program deployment ensures that customers are not subjected to unfair discrimination.
The INSURERS section of our website provides information to insurance companies and insurance intermediaries that want to be authorized/registered to operate in Arizona.
| Licensing/Registration | Requirements and forms for acquisitions and holding company registrations. | ||
| Trust Deposits | Forms and instructions for establishing trust accounts and making required trust deposits through the Department of Insurance. | ||
| Financial Reporting Domestic - D | Financial Reporting Foreign/Alien Entities - D | Forms that insurers need to complete to satisfy periodic financial reporting requirements. | |
| Rates, Forms & Compliance |
Information about form, rate, advertising and contract filing requirements; and, required surveys and reports for Life, health and annuity filings Property and casualty filings |
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| Laws and Rules | Links to sites where you can access laws and rules you need to understand so you can remain in compliance. | ||
| Rulemaking | Information about the Arizona Department of Insurance Rulemaking notifications and documents | ||
| Insurance Fraud | Information about the Arizona Department of Insurance Fraud Unit and ways to report suspected insurance fraud | ||
| Premium Taxes | Forms and instructions for reporting and paying insurance premium tax. | ||
| File a Health Care Appeal | Portal allowing health insurers to file health care appeals with the Arizona Department of Insurance for an external independent review pursuant to Arizona Revised Statutes § 20-2537. | ||
| FY 2025 Insurer Annual Assessment | FY 2025 Insurer Annual Assessment | ||