<html xmlns="http://www.w3.org/1999/xhtml"><head><meta charset="UTF-8" /><title></title><meta name="Generator" content="PowerTools for Open XML" /><style>span { white-space: pre-wrap; } p.s3d69615a-a83e-41f7-9d74-fb7a67717d04Normal { text-align: justify; font-family: 'Times New Roman', 'serif'; font-size: 12pt; line-height: 108%; margin-top: 0; margin-left: 0; margin-right: 0; margin-bottom: .001pt; } span.s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont-000000 { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } span.s3d69615a-a83e-41f7-9d74-fb7a67717d04000001 { font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont-000002 { color: #0000FF; font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } </style></head><body><div><p dir="ltr" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04Normal"><span xml:space="preserve" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont">    </span><span class="s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont-000000">20:06:21:27.  Outline of coverage.</span><span xml:space="preserve" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont"> Insurers shall include the following information in or with the outline of coverage:</span></p><p dir="ltr" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04Normal"><span xml:space="preserve" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04000001"> </span></p><p dir="ltr" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04Normal"><span xml:space="preserve" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont">    (1)  A graphic comparison of the benefit levels of a policy that increases benefits over the policy period with a policy that does not increase benefits. The graphic comparison must show benefit levels over at least a 20-year period; and</span></p><p dir="ltr" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04Normal"><span xml:space="preserve" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04000001"> </span></p><p dir="ltr" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04Normal"><span xml:space="preserve" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont">    (2)  Any expected premium increases or additional premiums to pay for automatic or optional benefit increases.</span></p><p dir="ltr" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04Normal"><span xml:space="preserve" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04000001"> </span></p><p dir="ltr" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04Normal"><span xml:space="preserve" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont">    An insurer may use a reasonable hypothetical or a graphic demonstration for the purposes of this disclosure.</span></p><p dir="ltr" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04Normal"><span xml:space="preserve" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04000001"> </span></p><p dir="ltr" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04Normal"><span xml:space="preserve" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont">    </span><span class="s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont-000000">Source:</span><span xml:space="preserve" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont"> 22 SDR 97, effective </span><span class="s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont">December 18, 1995.</span></p><p dir="ltr" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04Normal"><span xml:space="preserve" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont">    </span><span class="s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont-000000">General Authority:</span><span xml:space="preserve" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont"> SDCL </span><a href="https://sdlegislature.gov/Statutes?Statute=58-17B-4"><span class="s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont-000002">58-17B-4</span></a><span class="s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont">.</span></p><p dir="ltr" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04Normal"><span xml:space="preserve" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont">    </span><span class="s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont-000000">Law Implemented:</span><span xml:space="preserve" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont"> SDCL </span><a href="https://sdlegislature.gov/Statutes?Statute=58-17B-10"><span class="s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont-000002">58-17B-10</span></a><span class="s3d69615a-a83e-41f7-9d74-fb7a67717d04DefaultParagraphFont">.</span></p><p dir="ltr" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04Normal"><span xml:space="preserve" class="s3d69615a-a83e-41f7-9d74-fb7a67717d04000001"> </span></p></div></body></html>