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Cal. Insurance Code § 10290 (2026)

✓ current as of May 2026
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A disability policy shall not be issued or delivered to any person in this state until both of the following conditions are met:

(a)A copy of the form thereof and, if more than one class of risks is written, of the classification of risks, and the premium rates pertaining thereto are filed with the commissioner.

(b)Either of the following occurs:

(1)One hundred twenty calendar days expire without notice from the commissioner after the copy is filed.

(2)The commissioner gives his or her written approval prior to that time.

Notes of Decisions
Cited in 5 cases, 1975–2011 · leading case: Palma v. Prudential Ins., 791 F. Supp. 2d 790 (N.D. Cal. 2011).
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Palma v. Prudential Ins., 791 F. Supp. 2d 790 (N.D. Cal. 2011). · cites it 3× “In the same complaint, Plaintiff seeks a writ of mandate against the Commissioner of the California Department of Insurance, under California Insurance Code § 10290, which requires the Commissioner to review and approve all disability insurance policies sold, issued or delivered…”
Brazina v. Paul Revere Life Ins., 271 F. Supp. 2d 1163 (N.D. Cal. 2003). “5 See Cal, Ins.Code § 10290 (stating that Commissioner may approve policy in writing or by letting thirty days expire).”
Reichardt v. Payne, 396 F. Supp. 1010 (N.D. Cal. 1975). “California Insurance Code, Section 10290: “Filing and approval of policy as prerequisite to issuance and delivery.”
Reichardt v. Life Ins. Co. of North Am., 485 F. Supp. 56 (N.D. Cal. 1979). “re or go in disguise on the highway or on the premises of another, for the purpose of depriving, either directly or indirectly, any person or class of persons of the equal protection of the laws, or of equal privileges and immunities * * * [and] if one or more persons engaged…”
Nicholudis v. Prudential Ins. Co. of Am., 1 F. App'x 682 (9th Cir. 2001). “It was approved by the Commissioner of Insurance under the disability provisions of the Insurance Code, Cal. Ins. Code § 10290 , not under the provision for approving Medicare supplement plans, Cal.”
— Cal. Insurance Code § 10290(b) — 1 case
Palma v. Prudential Ins., 791 F. Supp. 2d 790 (N.D. Cal. 2011). “In the same complaint, Plaintiff seeks a writ of mandate against the Commissioner of the California Department of Insurance, under California Insurance Code § 10290, which requires the Commissioner to review and approve all disability insurance policies sold, issued or delivered…”
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