{"data":{"id":"us-az/a.r.s.-20-1691.11","jurisdiction":"us-az","citation":"A.R.S. § 20-1691.11","heading":"Nonforfeiture benefits","body":"A. Except as provided in subsection B of this section, a person shall not deliver or issue for delivery in this state a long-term care insurance policy unless the policyholder or certificate holder has been offered the option of purchasing a policy or certificate with a nonforfeiture benefit. The offer of the nonforfeiture benefit may be in the form of a rider that is attached to the policy. If the policyholder or certificate holder declines the benefit, the insurer shall provide a contingent benefit on lapse that shall be available for a specified period of time following a substantial increase in premium rates.\n\nB. If a group long-term care insurance policy is issued, a person shall make the offer of the nonforfeiture benefit to the group policyholder, except that if the policy is issued to a group as defined in section 20-1691, paragraph 4, subdivision (d), other than to a continuing care retirement community or other similar entity, a person shall make the offering to each proposed certificate holder.","path":["Title 20 Insurance"],"source_url":"https://www.azleg.gov/ars/20/01691-11.htm","current_through":"2026-09-04","vintage":"2026-08-09","retrieved_at":"2026-09-04T00:49:56Z","sha256":"482fba84bc72f2e1d7ac2de5a43005f673e576ddf609494b48cb6b90bad27f67","source_id":"us-az","stale":true,"prev":"us-az/a.r.s.-20-1691.10","next":"us-az/a.r.s.-20-1691.12"},"notice":"GroundRules: Original legal text. Not legal advice."}