Fraternal benefit societies

Fraternal benefit societies are non-profit organizations that offer insurance and other benefits to their members. They are based on shared interests and values, such as religion or profession, and are often organized into local chapters. These can include trade unions and credit unions and organizations such as the Kiwanis.

Life settlement providers

A life settlement provider buys a policyholder’s life insurance policy, usually for less than the policy’s face value. The policyholders are often terminally ill and need the money for medication or treatment. The companies provide an early payout to the policyholder, assume the premium payments, and collect the face value of the policy upon the policyholder’s death.

Medicare Supplement filing requirements

Here you can find Medicare Supplement filing requirements for initial filings, subsequent filings and annual filings.

Initial filings

Subsequent filings

Annual filings

Long-term care annual reports

All long-term care issuers must submit information to our office each year that reports data on suitability, rescission, denials and lapse/replacements. 

Due March 1

Submit your long-term care suitability and/or rescission annual report

Due June 30

Sumbit your long-term care claims denied and/or replacement and lapse annual report

RCW/WAC
WAC 284-83-110 - Long-term care suitability
WAC 284-83-165 - Form for reporting rescission of long-term care policies
WAC 284-83-185 - Sample claims denial reporting form
WAC 284-83-195 - Form for reporting replacement and lapse of long-term care ins…

Attestation for health care transparency

The transparency tools are designed to provide members with tools to make informed decisions based on cost, quality, and patient experiences.

Each year, issuers must file an attestation form with our office, declaring that the issuer’s tools comply with the requirements in RCW 48.43.007.

Attestation form

Form requirements for multiple lines of business

Issuers must use one form per NAIC Company Code, showing multiple lines of business. Issuers are NOT allowed to submit by NAIC Group Code.

Filing due date

An issuer must complete and submit the attestation of transparency form to the our office by February 1st each year.

The form must include:

  • Name of issuer.
  • NAIC company code.
  • Name of the person completing the attestation form.
  • The title of the person completing the attestation form.
  • The lines of business covered by the attestation form.

Attestation Submission

Please sign the attestation (electronic signature accepted) and send via email to: market.conduct@oic.wa.gov. 

RCW/WAC
RCW 48.43.007 Transparency tools for members
WAC 284-43-6600 Issuer filing of attestation form, transparency tools

Company registration and renewal for reinsurance intermediaries

Reinsurance intermediaries solicit, negotiate or place reinsurance cessions or retrocessions on behalf of a ceding insurer. In Washington, reinsurance intermediaries are classified as either brokers or managers. 

Reinsurance intermediary brokers act on behalf of the ceding insurer but don’t have any authority or power to bind reinsurance. 

Reinsurance intermediary managers can be a person, a firm, association or a corporation with authority to bind or manage all or part of the reinsurance business on behalf of a reinsurer. 

Before you apply

If you are applying as a reinsurance intermediary broker or manager, it is your responsibility to understand RCW 48.94 and WAC 284-13 and other applicable statutes.

Brokers

If you have an office in Washington, you need to register with our office. 

If you have an office in another state, you need to register with our office unless you are licensed in another state that has substantially similar regulations.

Managers

If you are a Washington domestic reinsurer, you need to be registered as a reinsurance intermediary-manager. 

If you are a foreign reinsurer, you need to be registered as a reinsurance intermediary-manager, unless you are licensed in another state that has substantially similar regulations. 

If you don’t have an office in Washington, you need to be a licensed Reinsurance Intermediary-Manager before you can provide intermediary-manager services. 

How to apply

  1. Complete the reinsurance intermediary application packet (PDF 234.50KB). Make sure you check the box for broker or manager. Include a completed service of process form (PDF 802.93KB). 
  2. Print your completed application and have it signed by an authorized officer and notarized.
  3. Combine the application, supplemental documents and any cover letter into a single PDF document.
  4. Attach your PDF and submit your application via email.
  5. Submit your application fee ($50 for brokers, $100 for managers) to one of our mailing addresses:

Application fee

The fee to register as a broker is $50, and the fee to register as a manager is $100.

Mailing address:
Attn: Company Supervision Division
Office of the Insurance Commissioner
P.O. Box 40255
Olympia, WA 98504-0255

Delivery address:
Attn: Company Supervision Division
Office of the Insurance Commissioner
5000 Capitol Blvd SE
Tumwater, WA 98501

The P.O. Box mailing address will only accept deliveries from USPS. All non-USPS shippers must use the
street adress. Use of an incorrect address may result in a returned application fee.

We acknowledge applications upon receipt.

After you apply

Applications are assigned to our analysts in the order they're received. Once assigned, an analyst will reach out to the contact listed in question 9 in your application. If there's someone else who should be contacted, be sure to include their contact information in your application.  

If you meet all requirements and any errors in your application are resolved within 15 business days, we'll issue your license by email.  

How to renew

Licenses expire one year from the issue date unless renewed. You can renew your license by paying a renewal fee before the expiration date:

  • Broker renewal fee is $50
  • Manager renewal fee is $100

There are no annual reports, but you must report any changes to the information provided with your application within 15 business days of the material change. See WAC 284-13-715 for complete details.

RCW/WAC
RCW 48.94 Reinsurance intermediary act
WAC 284-13 Investments and reinsurance

Rate filing speed to market tools for health, life and disability

Guidance / STM

Format

Certifications

Checklists

Form filing speed to market tools for health and disability

Form filing speed to market guide

Want to know how speed to market tools can be used to make your filings more efficient and expedite your review? Start your filing with a review of our form filing speed to market guide.

Form Filings Speed to Market Guide (PDF 905.59KB)

Certifications

Individual

Health care service contractors

Health maintenance organizations

Disability

Small group

Health care service contractors

Health maintenance organizations

Disability

Large group

Health care service contractors

Health maintenance organizations

Disability

Short forms for large group

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