{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-3331.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-3331.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-3331.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-3331.html"}],"law_id":81154,"edition_id":1,"section_id":81154,"structure_id":14882,"section_number":"38.2-3331","catch_line":"Individual certificates","history":"Code 1950, \u00a7 38-429(4); 1952, c. 317, \u00a7 38.1-428; 1960, c. 273, \u00a7 38.1-428.4; 1986, c. 562; 1998, c. 154.","full_text":"A\n\nEach group life insurance policy shall contain a provision that the insurer will issue to the policyholder, for delivery to each person insured, an individual certificate setting forth:1\n\nThe insured person’s insurance protection, including any limitations, reductions and exclusions applicable to the coverage provided;2\n\nTo whom the insurance benefits are payable; and3\n\nThe rights and conditions set forth in §§ 38.2-3332, 38.2-3333 and 38.2-3334.B\n\nEach policy issued pursuant to § 38.2-3318.1 B, where any part of the premium is paid by the debtors or by the creditor from identifiable charges collected from the insured debtors not required of an uninsured debtor, shall contain a provision that the insurer will furnish to the policyholder for delivery to each debtor insured under the policy a form that will contain a statement that the life of the debtor is insured under the policy and that any death benefit paid under the policy by reason of his death shall be applied to reduce or extinguish the indebtedness.","order_by":null,"text":{"0":{"id":290897,"text":"Each group life insurance policy shall contain a provision that the insurer will issue to the policyholder, for delivery to each person insured, an individual certificate setting forth:","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"A1"},"1":{"id":290898,"text":"The insured person’s insurance protection, including any limitations, reductions and exclusions applicable to the coverage provided;","type":"section","prefixes":["A","1"],"prefix":"1","entire_prefix":"A1","prefix_anchor":"A1","level":2,"prior_prefix":"A","next_prefix":"A2"},"2":{"id":290899,"text":"To whom the insurance benefits are payable; and","type":"section","prefixes":["A","2"],"prefix":"2","entire_prefix":"A2","prefix_anchor":"A2","level":2,"prior_prefix":"A1","next_prefix":"A3"},"3":{"id":290900,"text":"The rights and conditions set forth in §§ 38.2-3332, 38.2-3333 and 38.2-3334.","type":"section","prefixes":["A","3"],"prefix":"3","entire_prefix":"A3","prefix_anchor":"A3","level":2,"prior_prefix":"A2","next_prefix":"B"},"4":{"id":290901,"text":"Each policy issued pursuant to § 38.2-3318.1 B, where any part of the premium is paid by the debtors or by the creditor from identifiable charges collected from the insured debtors not required of an uninsured debtor, shall contain a provision that the insurer will furnish to the policyholder for delivery to each debtor insured under the policy a form that will contain a statement that the life of the debtor is insured under the policy and that any death benefit paid under the policy by reason of his death shall be applied to reduce or extinguish the indebtedness.","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A3"}},"ancestry":[{"id":14882,"edition_id":1,"name":"Group Life Insurance Policies","identifier":"2","label":"article","depth":3,"order_by":1,"parent_id":13164,"metadata":{},"date_created":"2026-06-26 03:50:32","date_modified":"2026-06-26 03:50:32","permalink":{"id":214707,"object_type":"structure","relational_id":14882,"identifier":"2","token":"38.2\/33\/2","url":"\/38.2\/33\/2\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13164,"edition_id":1,"name":"Life Insurance Policies","identifier":"33","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:44:22","date_modified":"2026-06-26 03:44:22","permalink":{"id":214627,"object_type":"structure","relational_id":13164,"identifier":"33","token":"38.2\/33","url":"\/38.2\/33\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12698,"edition_id":1,"name":"Insurance","identifier":"38.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:49","date_modified":"2026-06-26 03:43:49","permalink":{"id":210661,"object_type":"structure","relational_id":12698,"identifier":"38.2","token":"38.2","url":"\/38.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":81796,"structure_id":14882,"section_number":"38.2-3318","catch_line":"Repealed","url":"\/38.2-3318\/","token":"38.2\/33\/2\/38.2-3318","metadata":false},{"id":72251,"structure_id":14882,"section_number":"38.2-3318.1","catch_line":"Group life insurance requirements","url":"\/38.2-3318.1\/","token":"38.2\/33\/2\/38.2-3318.1","metadata":false},{"id":56826,"structure_id":14882,"section_number":"38.2-3319","catch_line":"Repealed","url":"\/38.2-3319\/","token":"38.2\/33\/2\/38.2-3319","metadata":false},{"id":61497,"structure_id":14882,"section_number":"38.2-3319.1","catch_line":"Limits of group life insurance","url":"\/38.2-3319.1\/","token":"38.2\/33\/2\/38.2-3319.1","metadata":false},{"id":59025,"structure_id":14882,"section_number":"38.2-3319.2","catch_line":"Review of records","url":"\/38.2-3319.2\/","token":"38.2\/33\/2\/38.2-3319.2","metadata":false},{"id":76112,"structure_id":14882,"section_number":"38.2-3320","catch_line":"Repealed","url":"\/38.2-3320\/","token":"38.2\/33\/2\/38.2-3320","metadata":false},{"id":84493,"structure_id":14882,"section_number":"38.2-3320.1","catch_line":"Policies issued outside of the Commonwealth of Virginia","url":"\/38.2-3320.1\/","token":"38.2\/33\/2\/38.2-3320.1","metadata":false},{"id":57879,"structure_id":14882,"section_number":"38.2-3321","catch_line":"Repealed","url":"\/38.2-3321\/","token":"38.2\/33\/2\/38.2-3321","metadata":false},{"id":75114,"structure_id":14882,"section_number":"38.2-3321.1","catch_line":"Requirements for those marketing group life insurance","url":"\/38.2-3321.1\/","token":"38.2\/33\/2\/38.2-3321.1","metadata":false},{"id":84150,"structure_id":14882,"section_number":"38.2-3322","catch_line":"Repealed","url":"\/38.2-3322\/","token":"38.2\/33\/2\/38.2-3322","metadata":false},{"id":59222,"structure_id":14882,"section_number":"38.2-3322.1","catch_line":"Regulations","url":"\/38.2-3322.1\/","token":"38.2\/33\/2\/38.2-3322.1","metadata":false},{"id":83887,"structure_id":14882,"section_number":"38.2-3322.2","catch_line":"Lives covered","url":"\/38.2-3322.2\/","token":"38.2\/33\/2\/38.2-3322.2","metadata":false},{"id":79808,"structure_id":14882,"section_number":"38.2-3323","catch_line":"Group life insurance coverages of spouses, dependent children, and other persons","url":"\/38.2-3323\/","token":"38.2\/33\/2\/38.2-3323","metadata":false},{"id":77746,"structure_id":14882,"section_number":"38.2-3324","catch_line":"Standard provisions required; exceptions","url":"\/38.2-3324\/","token":"38.2\/33\/2\/38.2-3324","metadata":false},{"id":71152,"structure_id":14882,"section_number":"38.2-3325","catch_line":"Grace period","url":"\/38.2-3325\/","token":"38.2\/33\/2\/38.2-3325","metadata":false},{"id":67833,"structure_id":14882,"section_number":"38.2-3326","catch_line":"Incontestability","url":"\/38.2-3326\/","token":"38.2\/33\/2\/38.2-3326","metadata":false},{"id":70998,"structure_id":14882,"section_number":"38.2-3327","catch_line":"Entire contract; statements deemed representations","url":"\/38.2-3327\/","token":"38.2\/33\/2\/38.2-3327","metadata":false},{"id":73714,"structure_id":14882,"section_number":"38.2-3328","catch_line":"Evidence of individual insurability","url":"\/38.2-3328\/","token":"38.2\/33\/2\/38.2-3328","metadata":false},{"id":74239,"structure_id":14882,"section_number":"38.2-3329","catch_line":"Misstatement of age","url":"\/38.2-3329\/","token":"38.2\/33\/2\/38.2-3329","metadata":false},{"id":74735,"structure_id":14882,"section_number":"38.2-3330","catch_line":"Payment of benefits","url":"\/38.2-3330\/","token":"38.2\/33\/2\/38.2-3330","metadata":false},{"id":81154,"structure_id":14882,"section_number":"38.2-3331","catch_line":"Individual certificates","url":"\/38.2-3331\/","token":"38.2\/33\/2\/38.2-3331","metadata":false},{"id":73575,"structure_id":14882,"section_number":"38.2-3332","catch_line":"Right to individual policy upon termination of employment or membership","url":"\/38.2-3332\/","token":"38.2\/33\/2\/38.2-3332","metadata":false},{"id":63366,"structure_id":14882,"section_number":"38.2-3333","catch_line":"Right to individual policy upon termination of group policy or elimination of class of insured persons","url":"\/38.2-3333\/","token":"38.2\/33\/2\/38.2-3333","metadata":false},{"id":80545,"structure_id":14882,"section_number":"38.2-3334","catch_line":"Death after termination of group insurance and before issuance of individual policy","url":"\/38.2-3334\/","token":"38.2\/33\/2\/38.2-3334","metadata":false},{"id":69882,"structure_id":14882,"section_number":"38.2-3335","catch_line":"Additional persons becoming eligible","url":"\/38.2-3335\/","token":"38.2\/33\/2\/38.2-3335","metadata":false},{"id":74096,"structure_id":14882,"section_number":"38.2-3336","catch_line":"Provisions required by other jurisdictions","url":"\/38.2-3336\/","token":"38.2\/33\/2\/38.2-3336","metadata":false},{"id":77526,"structure_id":14882,"section_number":"38.2-3337","catch_line":"Assignment","url":"\/38.2-3337\/","token":"38.2\/33\/2\/38.2-3337","metadata":false},{"id":70437,"structure_id":14882,"section_number":"38.2-3338","catch_line":"Provisions prohibited","url":"\/38.2-3338\/","token":"38.2\/33\/2\/38.2-3338","metadata":false},{"id":80534,"structure_id":14882,"section_number":"38.2-3339","catch_line":"Exemption of group life insurance policies from legal process","url":"\/38.2-3339\/","token":"38.2\/33\/2\/38.2-3339","metadata":false}],"previous_section":{"id":74735,"structure_id":14882,"section_number":"38.2-3330","catch_line":"Payment of benefits","url":"\/38.2-3330\/","token":"38.2\/33\/2\/38.2-3330","metadata":false},"next_section":{"id":73575,"structure_id":14882,"section_number":"38.2-3332","catch_line":"Right to individual policy upon termination of employment or membership","url":"\/38.2-3332\/","token":"38.2\/33\/2\/38.2-3332","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-3331\/","history_text":"

The record of this law\u2019s original creation isn\u2019t available online. It has been modified 4 times. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. Those modifications are as follows: in 1952, chapter 317; in 1960, chapter 273; in 1986, chapter 562; in 1998, chapter 154<\/a>.<\/p>","references":[{"id":79808,"section_number":"38.2-3323","catch_line":"Group life insurance coverages of spouses, dependent children, and other persons","order_by":null,"url":"\/38.2-3323\/"},{"id":77746,"section_number":"38.2-3324","catch_line":"Standard provisions required; exceptions","order_by":null,"url":"\/38.2-3324\/"}],"refers_to":[{"id":72251,"section_number":"38.2-3318.1","catch_line":"Group life insurance requirements","order_by":null,"url":"\/38.2-3318.1\/"},{"id":73575,"section_number":"38.2-3332","catch_line":"Right to individual policy upon termination of employment or membership","order_by":null,"url":"\/38.2-3332\/"},{"id":63366,"section_number":"38.2-3333","catch_line":"Right to individual policy upon termination of group policy or elimination of class of insured persons","order_by":null,"url":"\/38.2-3333\/"}],"permalink":{"id":214789,"object_type":"law","relational_id":81154,"identifier":"38.2-3331","token":"38.2\/33\/2\/38.2-3331","url":"\/38.2-3331\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-3331\/","token":"38.2\/33\/2\/38.2-3331","dublin_core":{"Title":"Individual certificates","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-3331","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

A.<\/span> Each group life insurance<\/span> policy shall contain a provision that the insurer<\/span> will issue<\/span> to the policyholder, for delivery to each person<\/span> insured, an individual certificate setting forth: <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

1.<\/span> The insured person<\/span>’s insurance<\/span> protection, including any limitations, reductions and exclusions applicable to the coverage provided; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> To whom the insurance<\/span> benefits are payable; and <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

3.<\/span> The rights and conditions set forth in §§ 38.2-3332<\/a>, 38.2-3333<\/a> and 38.2-3334<\/a>. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

B.<\/span> Each policy issued pursuant to § 38.2-3318.1<\/a> B, where any part of the premium is paid by the debtors or by the creditor<\/span> from identifiable charges collected from the insured debtors not required of an uninsured debtor, shall contain a provision that the insurer<\/span> will furnish to the policyholder for delivery to each debtor insured under the policy a form that will contain a statement that the life of the debtor is insured under the policy and that any death benefit paid under the policy by reason of his death shall be applied to reduce or extinguish the indebtedness. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nINDIVIDUAL CERTIFICATES (\u00a7 38.2-3331)\n\nA. Each group life insurance policy shall contain a provision that the insurer\nwill issue to the policyholder, for delivery to each person insured, an\nindividual certificate setting forth:\n\n 1. The insured person’s insurance protection, including any limitations,\n reductions and exclusions applicable to the coverage provided;\n\n 2. To whom the insurance benefits are payable; and\n\n 3. The rights and conditions set forth in §§ 38.2-3332, 38.2-3333\n and 38.2-3334.\n\nB. Each policy issued pursuant to § 38.2-3318.1 B, where any part of the\npremium is paid by the debtors or by the creditor from identifiable charges\ncollected from the insured debtors not required of an uninsured debtor, shall\ncontain a provision that the insurer will furnish to the policyholder for\ndelivery to each debtor insured under the policy a form that will contain a\nstatement that the life of the debtor is insured under the policy and that any\ndeath benefit paid under the policy by reason of his death shall be applied to\nreduce or extinguish the indebtedness.\n\nHISTORY: Code 1950, \u00a7 38-429(4); 1952, c. 317, \u00a7 38.1-428; 1960, c. 273, \u00a7\n38.1-428.4; 1986, c. 562; 1998, c. 154.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}