INSURANCE,CODE,DIVISION 1,GENERAL,RULES,GOVERNING,ENACTED,THE BUSINESS,CHAPTER 1,REGULATIONS,ARTICLE,UNFAIR,PURPOSE,TRADE,ACCORDANCE,INTENT,CONGRESS,THE ACT,MARCH 9,PUBLIC LAW,SEVENTY NINTH CONGRESS,DEFINING,STATE,COMPETITION,UNFAIR OR DECEPTIVE ACTS OR,THE TRADE,DEFINED,DETERMINED,RECIPROCAL,INSURERS,BENEFIT SOCIETIES,FIRE,GRANTS,ANNUITIES,SOCIETIES,HOLDING,MOTOR,CLUBS,NONPROFIT HOSPITAL,AGENTS,BROKER,SURPLUS,BROKERS,SPECIAL,LINES,PERSONS,ENGAGED,JANUARY 1,PERSON,SHALL,ENGAGE,PRACTICE,METHOD,ACTS,CAUSING,ESTIMATE,ILLUSTRATION,STATEMENT,TERMS,POLICY,BENEFITS,ADVANTAGES,PROMISED,THE DIVIDENDS,SHARE,THE SURPLUS,FALSE,MISLEADING,PREVIOUSLY,PAID,SIMILAR,POLICIES,MISREPRESENTATION,THE FINANCIAL,CONDITION,LEGAL,RESERVE,SYSTEM,LIFE INSURER,NAME,CLASS,TRUE,NATURE,COMPANY,INDUCE,LAPSE,SURRENDER,HIS OR HER,DISSEMINATED,THE PUBLIC,NEWSPAPER,PUBLICATION,ADVERTISING,DEVICE,PUBLIC,OUTCRY,PROCLAMATION,MANNER,MEANS,ASSERTION,WITH RESPECT TO,BUSINESS,EXERCISE,REASONABLE CARE,SHOULD,C,ENTERING,AGREEMENT,COMMIT,CONCERTED,ACTION,ACT OF,BOYCOTT,COERCION,INTIMIDATION,IN OR,UNREASONABLE,RESTRAINT,MONOPOLY,FILING,SUPERVISORY,PUBLIC OFFICIAL,PUBLISHING,PUBLISHED,FALSE STATEMENT,FINANCIAL,DECEIVE,FALSE ENTRY,BOOK REPORT,AGENT,EXAMINER,LAWFULLY,EXAMINE,AFFAIRS,WHOM,BY LAW,REPORT,AUTHORITY,WILLFULLY,ENTRY,MATERIAL FACT,DISCRIMINATION,INDIVIDUALS,EQUAL,EXPECTATION OF LIFE,RATES,FOR ANY,CONTRACT,LIFE ANNUITY,PAYABLE,TERMS AND CONDITIONS OF,THE CONTRACT,SUBDIVISION,INTERPRETED,ORDINARY LIFE INSURANCE,AFTER JANUARY,SEX,ANNUITANT,COMBINATION,REQUIREMENT,VALID,PERTINENT,DATA,BY SEX,LIMITED,COMPLIANCE,DATE,LIEU,FEMALE,CALCULATED,AN AGE,LESS THAN THREE,YOUNGER,THE ACTUAL,THE CASE,FACE VALUE,GREATER THAN,FIVE THOUSAND,DOLLARS,LESS,PARAGRAPH,MEAN,DATES,FUTURE,AMENDMENTS,MORTALITY TABLE,CALCULATION,PRESENT,VALUES,VALUATION,SUCCESSOR,NOTWITHSTANDING,PROVISIONS,TERMS CONDITIONS,PRIVILEGES,EMPLOYMENT,TITLE VII OF THE CIVIL RIGHTS,PUBLIC LAW 88 352,TAX,SHELTERED,EMPLOYEES,PUBLIC SCHOOLS,TAX EXEMPT,ORGANIZATIONS,SECTION 501,INTERNAL REVENUE CODE,WHATEVER,WHETHER,IMPLICATION,MEMBERS OF THE CALIFORNIA,GUARANTEE,ASSOCIATION,INSOLVENCY,SECTION,ACTIVITY,CALIFORNIA INSURANCE,COMMISSIONER,AUTHORIZED,ARTICLE 14,KNOWINGLY,PERFORMING,FREQUENCY,BUSINESS PRACTICE,CLAIMS,SETTLEMENT,CLAIMANTS,FACTS,INSURANCE POLICY,ISSUE,COMMUNICATIONS,UNDER INSURANCE,REASONABLE,STANDARDS,PROMPT,INVESTIGATION,PROCESSING,AFFIRM,DENY,COVERAGE,REASONABLE TIME,PROOF,LOSS,REQUIREMENTS,SUBMITTED,GOOD FAITH,FAIR,LIABILITY,CLEAR,INSTITUTE,LITIGATION,RECOVER,OFFERING,LESS THAN,SETTLE,CLAIM,AMOUNT,REASONABLE PERSON,BELIEVED,ENTITLED,REFERENCE,WRITTEN,PRINTED,ADVERTISING MATERIAL,ACCOMPANYING,APPLICATION,BASIS,ALTERED,NOTICE,CONSENT,REPRESENTATIVE AGENT,PAYMENT,INFORM,BENEFICIARIES,REQUEST,ARBITRATION AWARDS,ACCEPT,AWARDED,ARBITRATION,THE INVESTIGATION,CLAIMANT,THE PHYSICIAN,FORMAL PROOF,INFORMATION,ORDER,INFLUENCE,EXPLANATION,RELATION,THE FACTS,APPLICABLE LAW,THE DENIAL,COMPROMISE,THE SERVICES,ATTORNEY,STATUTE OF LIMITATIONS,PROVISION,HOSPITAL,MEDICAL,SURGICAL,ACQUIRED IMMUNE DEFICIENCY,SYNDROME,AIDS RELATED COMPLEX,DAYS,THE DELAY,THE CONDITION,PERIOD,AWAITING,RESPONSE,RELEVANT,HEALTH CARE PROVIDER,RENEW,VIOLATION,ONESELF,REPRESENTING,BEHALF,CALIFORNIA HEALTH BENEFIT,EXCHANGE,THE GOVERNMENT,EFFECTIVE,APPLY,RESIDENTIAL PROPERTY,CHAPTER 8,DIVISION 2,CALIFORNIA EARTHQUAKE,INSURE,PROPERTY DAMAGE,COMMON,INTEREST,CIVIL CODE,RESIDENTIAL,UNITS,OWNED,RELATE,THE SETTLEMENT,CONSIDERATION,CLASSES,IMMEDIATELY,NO MORE,CALENDAR DAYS,RECEIPT,THE CLAIM,REPRODUCTION,SUBDIVISIONS,LANGUAGE,POINT,TYPE IN,ADDITION,GOVERN,MUST,AVAILABLE,THE DEPARTMENT OF,INTERNET,WEB SITE,CALLING,THE DEPARTMENTS,CONSUMER,AT 1,HELP,LAW,FREE OF CHARGE,WRITING,CHAPTER,TITLE 10,CALIFORNIA CODE OF REGULATIONS,UNLESS,EXCEPT,LICENSED,THE STATE,CIVIL PENALTY,FIXED,NOT TO EXCEED,FOR EACH,TEN THOUSAND,ISSUANCE,AMENDMENT,SERVICING,ENDORSEMENT,SECTION B,THE PENALTY,REMEDY,DIVISION 3,SEPTEMBER 25,ADVERTISE,SELL,NOTHING,CONSTRUED,THE PRODUCT,AVAILABLE FOR SALE,UNAVAILABILITY,DISCLOSED,THE ADVERTISEMENT,SUBJECT TO,SANCTIONS,INTENTIONAL,MISDEMEANOR,PUNISHABLE,FINE,REFUSES,UNDERWRITING,GUIDELINES,ADVERTISEMENTS,BROADCAST,OUTSIDE,ELECTRONIC MEDIA,TELEVISION AND RADIO,CABLE,STATIONS,CALIFORNIA,UNFAIR BUSINESS PRACTICE,HEALTH INSURANCE,SOLICIT,NEGOTIATE,PURCHASE,MARKETING,TECHNIQUE,COLD,LEAD,MEDICARE,PRODUCT,DISCLOSE,SALES,SOLICITATION,CONTACT,DISCUSS,PARTICULAR,THE SALE,ADVANCE,THE APPOINTMENT,PARTS,MEDICARE SUPPLEMENT,PLANS,POWER,INVESTIGATE,DETERMINE,DECEPTIVE PRACTICE,CONDUCTED,REASON TO BELIEVE,PROCEEDING,RESPECT,BE TO,SHALL ISSUE,SERVE,ORDER TO SHOW CAUSE,CHARGES,POTENTIAL,HEARING,30 DAYS,THE SERVICE,DETERMINING,CEASE AND DESIST,JUSTIFIED,CAUSE,ADMINISTRATIVE PROCEDURE ACT,ADMINISTRATIVE LAW JUDGE,ADMINISTRATIVE LAW,BUREAU,PROCEEDINGS,INVOLVE,QUESTION OF LAW,FACT,ADMINISTRATIVE LAW JUDGES,POWERS,THE ORDER,THE METHOD,BE IN,MAY ISSUE,ALLEGED,NOTICE OF HEARING,MEANING,THE REASON WHY,SERVICE,THE REPORT,COMPETITION ACT,DISCONTINUED,THE ATTORNEY,PET