Utah Code » Title 31A, Chapter 21 — Insurance Contracts in General; part 31A-21-2 — Approval of Forms
Utah Code

Utah Code § 31A-21-201 (2026)

Filing of forms

✓ current as of May 2026
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Except as exempted under Subsections 31A-21-101(2) through (6), a form may not be used, sold, or offered for sale until the form is filed with the commissioner.
A form is considered filed with the commissioner when the commissioner receives:
the form;
the applicable filing fee as prescribed under Section 31A-3-103; and
the applicable transmittal forms as required by the commissioner.
In filing a form for use in this state the insurer is responsible for assuring that the form is in compliance with this title and rules adopted by the commissioner.
The commissioner may prohibit the use of a form at any time upon a finding that:
the form:
is inequitable;
is unfairly discriminatory;
is misleading;
is deceptive;
is obscure;
is unfair;
encourages misrepresentation; or
is not in the public interest;
the form provides benefits or contains another provision that endangers the solidity of the insurer;
except for a life or accident and health insurance policy form, the form is an insurance policy or application for an insurance policy, that fails to conspicuously provide:
the exact name of the insurer; and
the state of domicile of the insurer filing the insurance policy or application for the insurance policy;
except an application required by Section 31A-22-635, the form is a life or accident and health insurance form that fails to conspicuously provide:
the exact name of the insurer;
the state of domicile of the insurer; and
for a life insurance policy only, the address of the administrative office of the insurer filing the form;
the form violates a statute or a rule adopted by the commissioner; or
the form is otherwise contrary to law.
When the commissioner prohibits the use of a form under Subsection (3)(a), the commissioner may order that, on or before a date not less than 15 days after the day on which the commissioner issues the order, the use of the form be discontinued.
Once use of a form is prohibited, the form may not be used until appropriate changes are filed with and reviewed by the commissioner.
When the commissioner prohibits the use of a form under Subsection (3)(a), the commissioner may require the insurer to disclose contract deficiencies to the existing policyholders.
If the commissioner prohibits use of a form under this Subsection (3), the prohibition shall:
be in writing;
constitute an order; and
state the reasons for the prohibition.
If, after a hearing, the commissioner determines that it is in the public interest, the commissioner may require by rule or order that a form be subject to the commissioner's approval before an insurer uses the form.
The rule or order described in Subsection (4)(a) shall prescribe the filing procedures for a form if the procedures are different from the procedures stated in this section.
The type of form that under Subsection (4)(a) the commissioner may require approval of before use includes:
a form for a particular class of insurance;
a form for a specific line of insurance;
a specific type of form; or
a form for a specific market segment.
An insurer shall maintain a complete and accurate record of the following for the time period described in Subsection (5)(b):
a form:
filed under this section for use; or
that is in use; and
a document filed under this section with a form described in Subsection (5)(a)(i).
The insurer shall maintain a record required under Subsection (5)(a) for the balance of the current year, plus five years from:
the last day on which the form is used; or
the last day an insurance policy that is issued using the form is in effect.
Notes of Decisions
Cited in 3 cases, 1992–2001 · leading case: Allen v. Prudential Prop. & Cas. Ins. Co., 839 P.2d 798 (Utah 1992).
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Allen v. Prudential Prop. & Cas. Ins. Co., 839 P.2d 798 (Utah 1992). · cites it 10× “Utah Code Ann. § 31A-21-201(1) (1991). The commissioner may disapprove a preprinted policy at any time if it is found to be "inequitable, unfairly discriminatory, misleading, deceptive, obscure, or encourages misrepresentation.”
Nielsen v. O'REILLY, 848 P.2d 664 (Utah 1992). · cites it 2× “§§ 31-19-9 (1) to -10 (1953) (repealed 1986) with Utah Code Ann. § 31A-21-201(2)(a)(i) (1991).”
Sandwich Chef of Texas, Inc. v. Reliance Nat'l Indem. Ins., 202 F.R.D. 484 (S.D. Tex. 2001). · cites it 2× “55 (Vernon 1999); Utah Code Ann. §§ 31A-21-201 & 31A-19-408 (1999); Vt Stat.”
— Utah Code § 31A-21-201(1) — 1 case
Allen v. Prudential Prop. & Cas. Ins. Co., 839 P.2d 798 (Utah 1992). “Utah Code Ann. § 31A-21-201(1) (1991). The commissioner may disapprove a preprinted policy at any time if it is found to be "inequitable, unfairly discriminatory, misleading, deceptive, obscure, or encourages misrepresentation.”
— Utah Code § 31A-21-201(2)(a) — 1 case
Allen v. Prudential Prop. & Cas. Ins. Co., 839 P.2d 798 (Utah 1992). “Utah Code Ann. § 31A-21-201(1) (1991). The commissioner may disapprove a preprinted policy at any time if it is found to be "inequitable, unfairly discriminatory, misleading, deceptive, obscure, or encourages misrepresentation.”
— Utah Code § 31A-21-201(2)(a)(i) — 2 cases
Allen v. Prudential Prop. & Cas. Ins. Co., 839 P.2d 798 (Utah 1992). “Utah Code Ann. § 31A-21-201(1) (1991). The commissioner may disapprove a preprinted policy at any time if it is found to be "inequitable, unfairly discriminatory, misleading, deceptive, obscure, or encourages misrepresentation.”
Nielsen v. O'REILLY, 848 P.2d 664 (Utah 1992). “§§ 31-19-9 (1) to -10 (1953) (repealed 1986) with Utah Code Ann. § 31A-21-201(2)(a)(i) (1991).”
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