{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-6005.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-6005.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-6005.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-6005.html"}],"law_id":72848,"edition_id":1,"section_id":72848,"structure_id":15429,"section_number":"38.2-6005","catch_line":"Privacy","history":"2003, c. 717.","full_text":"Except as otherwise allowed or required by law, a viatical settlement provider, viatical settlement broker, insurance company, insurance producer, information bureau, rating agency or company, or any other person with actual knowledge of an insured&#8217;s identity, shall not disclose that identity as an insured, or the insured&#8217;s financial or medical information to any other person unless the disclosure:\n\n1\n\nIs necessary to effect a viatical settlement between the viator and a viatical settlement provider and the viator and insured have provided prior written consent to the disclosure;2\n\nIs provided in response to an investigation or examination by the Commission or another governmental agency or officer or pursuant to the requirements of subsection C of &#xA7; 38.2-6011;3\n\nIs a term of or condition to the transfer of a policy by one viatical settlement provider to another viatical settlement provider;4\n\nIs necessary to permit a financing entity, related provider trust, or special purpose entity to finance the purchase of policies by a viatical settlement provider and the viator and insured have provided prior written consent to the disclosure;5\n\nIs necessary to allow the viatical settlement provider or viatical settlement broker or their authorized representatives to make contacts for the purpose of determining health status; or6\n\nIs required to purchase stop loss coverage.","order_by":null,"text":{"0":{"id":262449,"text":"Except as otherwise allowed or required by law, a viatical settlement provider, viatical settlement broker, insurance company, insurance producer, information bureau, rating agency or company, or any other person with actual knowledge of an insured&#8217;s identity, shall not disclose that identity as an insured, or the insured&#8217;s financial or medical information to any other person unless the disclosure:","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1,"next_prefix":"1"},"1":{"id":262450,"text":"Is necessary to effect a viatical settlement between the viator and a viatical settlement provider and the viator and insured have provided prior written consent to the disclosure;","type":"section","prefixes":["1"],"prefix":"1","entire_prefix":"1","prefix_anchor":"1","level":1,"prior_prefix":"","next_prefix":"2"},"2":{"id":262451,"text":"Is provided in response to an investigation or examination by the Commission or another governmental agency or officer or pursuant to the requirements of subsection C of &#xA7; 38.2-6011;","type":"section","prefixes":["2"],"prefix":"2","entire_prefix":"2","prefix_anchor":"2","level":1,"prior_prefix":"1","next_prefix":"3"},"3":{"id":262452,"text":"Is a term of or condition to the transfer of a policy by one viatical settlement provider to another viatical settlement provider;","type":"section","prefixes":["3"],"prefix":"3","entire_prefix":"3","prefix_anchor":"3","level":1,"prior_prefix":"2","next_prefix":"4"},"4":{"id":262453,"text":"Is necessary to permit a financing entity, related provider trust, or special purpose entity to finance the purchase of policies by a viatical settlement provider and the viator and insured have provided prior written consent to the disclosure;","type":"section","prefixes":["4"],"prefix":"4","entire_prefix":"4","prefix_anchor":"4","level":1,"prior_prefix":"3","next_prefix":"5"},"5":{"id":262454,"text":"Is necessary to allow the viatical settlement provider or viatical settlement broker or their authorized representatives to make contacts for the purpose of determining health status; or","type":"section","prefixes":["5"],"prefix":"5","entire_prefix":"5","prefix_anchor":"5","level":1,"prior_prefix":"4","next_prefix":"6"},"6":{"id":262455,"text":"Is required to purchase stop loss coverage.","type":"section","prefixes":["6"],"prefix":"6","entire_prefix":"6","prefix_anchor":"6","level":1,"prior_prefix":"5"}},"ancestry":[{"id":15429,"edition_id":1,"name":"Viatical Settlements Act","identifier":"60","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:54:55","date_modified":"2026-06-26 03:54:55","permalink":{"id":218163,"object_type":"structure","relational_id":15429,"identifier":"60","token":"38.2\/60","url":"\/38.2\/60\/","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":85466,"structure_id":15429,"section_number":"38.2-6000","catch_line":"Definitions","url":"\/38.2-6000\/","token":"38.2\/60\/38.2-6000","metadata":false},{"id":85657,"structure_id":15429,"section_number":"38.2-6001","catch_line":"Viatical settlement brokers","url":"\/38.2-6001\/","token":"38.2\/60\/38.2-6001","metadata":false},{"id":61028,"structure_id":15429,"section_number":"38.2-6002","catch_line":"Viatical settlement providers, license requirements","url":"\/38.2-6002\/","token":"38.2\/60\/38.2-6002","metadata":false},{"id":76487,"structure_id":15429,"section_number":"38.2-6003","catch_line":"Approval of viatical settlement contracts and disclosure statements","url":"\/38.2-6003\/","token":"38.2\/60\/38.2-6003","metadata":false},{"id":66010,"structure_id":15429,"section_number":"38.2-6004","catch_line":"Reporting requirements","url":"\/38.2-6004\/","token":"38.2\/60\/38.2-6004","metadata":false},{"id":72848,"structure_id":15429,"section_number":"38.2-6005","catch_line":"Privacy","url":"\/38.2-6005\/","token":"38.2\/60\/38.2-6005","metadata":false},{"id":84374,"structure_id":15429,"section_number":"38.2-6006","catch_line":"Examinations; record retention; investigations","url":"\/38.2-6006\/","token":"38.2\/60\/38.2-6006","metadata":false},{"id":83681,"structure_id":15429,"section_number":"38.2-6007","catch_line":"Disclosure","url":"\/38.2-6007\/","token":"38.2\/60\/38.2-6007","metadata":false},{"id":63520,"structure_id":15429,"section_number":"38.2-6008","catch_line":"General rules","url":"\/38.2-6008\/","token":"38.2\/60\/38.2-6008","metadata":false},{"id":73158,"structure_id":15429,"section_number":"38.2-6009","catch_line":"Prohibited practices","url":"\/38.2-6009\/","token":"38.2\/60\/38.2-6009","metadata":false},{"id":66115,"structure_id":15429,"section_number":"38.2-6010","catch_line":"Advertising for viatical settlements","url":"\/38.2-6010\/","token":"38.2\/60\/38.2-6010","metadata":false},{"id":84400,"structure_id":15429,"section_number":"38.2-6011","catch_line":"Fraud prevention and control","url":"\/38.2-6011\/","token":"38.2\/60\/38.2-6011","metadata":false},{"id":66961,"structure_id":15429,"section_number":"38.2-6012","catch_line":"Civil remedies","url":"\/38.2-6012\/","token":"38.2\/60\/38.2-6012","metadata":false},{"id":77614,"structure_id":15429,"section_number":"38.2-6013","catch_line":"Unfair trade practices","url":"\/38.2-6013\/","token":"38.2\/60\/38.2-6013","metadata":false},{"id":58773,"structure_id":15429,"section_number":"38.2-6014","catch_line":"Commission authority","url":"\/38.2-6014\/","token":"38.2\/60\/38.2-6014","metadata":false},{"id":70459,"structure_id":15429,"section_number":"38.2-6015","catch_line":"Immunity from liability","url":"\/38.2-6015\/","token":"38.2\/60\/38.2-6015","metadata":false},{"id":60651,"structure_id":15429,"section_number":"38.2-6016","catch_line":"Applicability of securities laws","url":"\/38.2-6016\/","token":"38.2\/60\/38.2-6016","metadata":false}],"previous_section":{"id":66010,"structure_id":15429,"section_number":"38.2-6004","catch_line":"Reporting requirements","url":"\/38.2-6004\/","token":"38.2\/60\/38.2-6004","metadata":false},"next_section":{"id":84374,"structure_id":15429,"section_number":"38.2-6006","catch_line":"Examinations; record retention; investigations","url":"\/38.2-6006\/","token":"38.2\/60\/38.2-6006","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-6005\/","history_text":"<p>This law was first created in 2003. The record of its establishment is cataloged in chapter <a href=\"https:\/\/legacylis.virginia.gov\/cgi-bin\/legp604.exe?031+ful+CHAP0717\">717<\/a> of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year.<\/p>","references":false,"refers_to":[{"id":84400,"section_number":"38.2-6011","catch_line":"Fraud prevention and control","order_by":null,"url":"\/38.2-6011\/"}],"permalink":{"id":218185,"object_type":"law","relational_id":72848,"identifier":"38.2-6005","token":"38.2\/60\/38.2-6005","url":"\/38.2-6005\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-6005\/","token":"38.2\/60\/38.2-6005","dublin_core":{"Title":"Privacy","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-6005","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t<section><p>Except as otherwise allowed or required by <span class=\"dictionary\">law<\/span>, a <span class=\"dictionary\">viatical settlement provider<\/span>, <span class=\"dictionary\">viatical settlement broker<\/span>, <span class=\"dictionary\">insurance company<\/span>, insurance producer, information <span class=\"dictionary\">bureau<\/span>, rating agency or company, or any other <span class=\"dictionary\">person<\/span> with actual knowledge of an insured&#8217;s identity, shall not disclose that identity as an insured, or the insured&#8217;s financial or medical information to any other <span class=\"dictionary\">person<\/span> unless the disclosure:<\/p><\/section>\n\t\t\t\t\t\t<section id=\"1\"><p><span class=\"prefix-number\">1.<\/span> Is necessary to effect a viatical settlement between the <span class=\"dictionary\">viator<\/span> and a <span class=\"dictionary\">viatical settlement provider<\/span> and the <span class=\"dictionary\">viator<\/span> and insured have provided prior written consent to the disclosure; <a id=\"paragraph-262450\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-6005\/#1\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"2\"><p><span class=\"prefix-number\">2.<\/span> Is provided in response to an investigation or examination by the <span class=\"dictionary\">Commission<\/span> or another governmental agency or officer or pursuant to the requirements of subsection C of &#xA7; <a class=\"law\" title=\"Fraud prevention and control\" href=\"\/38.2-6011\/\">38.2-6011<\/a>; <a id=\"paragraph-262451\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-6005\/#2\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"3\"><p><span class=\"prefix-number\">3.<\/span> Is a term of or condition to the transfer of a <span class=\"dictionary\">policy<\/span> by one <span class=\"dictionary\">viatical settlement provider<\/span> to another <span class=\"dictionary\">viatical settlement provider<\/span>; <a id=\"paragraph-262452\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-6005\/#3\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"4\"><p><span class=\"prefix-number\">4.<\/span> Is necessary to permit a <span class=\"dictionary\">financing entity<\/span>, <span class=\"dictionary\">related provider trust<\/span>, or <span class=\"dictionary\">special purpose entity<\/span> to finance the purchase of policies by a <span class=\"dictionary\">viatical settlement provider<\/span> and the <span class=\"dictionary\">viator<\/span> and insured have provided prior written consent to the disclosure; <a id=\"paragraph-262453\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-6005\/#4\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"5\"><p><span class=\"prefix-number\">5.<\/span> Is necessary to allow the <span class=\"dictionary\">viatical settlement provider<\/span> or <span class=\"dictionary\">viatical settlement broker<\/span> or their authorized representatives to make contacts for the purpose of determining health status; or <a id=\"paragraph-262454\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-6005\/#5\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"6\"><p><span class=\"prefix-number\">6.<\/span> Is required to purchase stop loss coverage. <a id=\"paragraph-262455\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-6005\/#6\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>","plain_text":"                                 CODE OF VIRGINIA\n\nPRIVACY (\u00a7 38.2-6005)\n\nExcept as otherwise allowed or required by law, a viatical settlement provider,\nviatical settlement broker, insurance company, insurance producer, information\nbureau, rating agency or company, or any other person with actual knowledge of\nan insured&#8217;s identity, shall not disclose that identity as an insured, or\nthe insured&#8217;s financial or medical information to any other person unless\nthe disclosure:\n\n1. Is necessary to effect a viatical settlement between the viator and a\nviatical settlement provider and the viator and insured have provided prior\nwritten consent to the disclosure;\n\n2. Is provided in response to an investigation or examination by the Commission\nor another governmental agency or officer or pursuant to the requirements of\nsubsection C of &#xA7; 38.2-6011;\n\n3. Is a term of or condition to the transfer of a policy by one viatical\nsettlement provider to another viatical settlement provider;\n\n4. Is necessary to permit a financing entity, related provider trust, or special\npurpose entity to finance the purchase of policies by a viatical settlement\nprovider and the viator and insured have provided prior written consent to the\ndisclosure;\n\n5. Is necessary to allow the viatical settlement provider or viatical settlement\nbroker or their authorized representatives to make contacts for the purpose of\ndetermining health status; or\n\n6. Is required to purchase stop loss coverage.\n\nHISTORY: 2003, c. 717.","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}}