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Calif. INSURANCE CODE
100. Insurance in this state is divided into the following classes:
(1) Life
(6) Disability (Medical & Health Insurance)
(9) Workmen's compensation
(19.6) Legal insurance
101. Life insurance includes insurance upon the lives of persons or
appertaining thereto, and the granting, purchasing, or disposing of
annuities. Click here to get a Term Insurance Proposal
106. (a) Disability insurance includes insurance appertaining to injury, disablement or death resulting to the insured from accidents, and appertaining to disablements resulting to the insured from sickness (b) In statutes that become effective on or after January 1, 2002, the term "health insurance" for purposes of this code shall mean an
individual or group disability insurance policy that provides coverage for hospital, medical, or surgical benefits. The term "health insurance" shall not include any of the following kinds of insurance:
(1) Accidental death and accidental death and dismemberment.
(2) Disability insurance, including hospital indemnity, accident only, and specified disease insurance that pays benefits on a fixed benefit, cash payment only basis.
(3) Credit disability, as defined in subdivision (2) of Section 779.2.
(4) Coverage issued as a supplement to liability insurance.
(5) Disability income, as defined in subdivision (i) of Section 799.01.
(6) Insurance under which benefits are payable with or without regard to fault and that is statutorily required to be contained in
any liability insurance policy or equivalent self-insurance.
(7) Insurance arising out of a workers' compensation or similar
law.
(8) Long-term care.
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109. Workmen's compensation insurance includes insurance against loss from liability imposed by law upon employers to compensate
employees and their dependents for injury sustained by the employees arising out of and in the course of the employment, irrespective of negligence or of the fault of either party.
117. Mortgage insurance includes the guaranteeing of the payment of
the principal, interest and other sums agreed to be paid under the
terms of any note or bond secured by mortgage, or other sums secured
under the terms of any such mortgage, in its entirety, or of any
undivided or other partial interest in any such mortgage, or in a
group of such mortgages, and the guaranteeing or insuring, directly
or indirectly, against loss thereon.
119.6. Legal insurance includes the assumption of a contractual obligation to reimburse the insured against all or a portion of his
fees, costs, and expenses related to or arising out of services performed by or under the supervision of an attorney who is an active
member of the bar of any jurisdiction or jurisdictions of the United States, in which these legal services are performed.
Legal insurance does not include any of the following:
(a) Retainer contracts made by an individual lawyer or law firm with an individual client with the fee based on an estimate of the
nature and the amount of services that will be provided to that specific client, and similar contracts made with a group of clients
involved in the same or closely related legal matters (such as class actions);
(b) Plans providing no benefits other than consultation and advice on matters in connection with, or a part of, referral services.
(c) Plans providing limited benefits on simple legal matters on a voluntary and informal basis, not involving a legally binding
promise, in the context of an employment or educational or similar relationship; or
(d) Legal services provided by labor unions or employee associations to their members in matters relating to employment or
occupation.
(e) Legal service incidental to other insurance coverages.
The foregoing is not intended as an exclusive list of legal services plans or arrangements which do not constitute legal
insurance as defined by this section.
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