Oregon Administrative Rules Chapter 836 - DEPARTMENT OF CONSUMER AND BUSINESS SERVICES, INSURANCE REGULATION

22 Jun 2025 --
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Here’s an updated and detailed overview of Oregon Administrative Rules (OAR) Chapter 836 — governing Insurance Regulation under the Department of Consumer and Business Services:

📘 Chapter 836 Overview

Title: Department of Consumer and Business Services, Insurance Regulation
Last Updated: May 26, 2025

✅ Divisions Included

General Definitions

Procedural Rules

Taxation

Enforcement

Fees & Charges

General Provisions

Annual Statements & Reports by Insurers

Credit for Reinsurance

Annual Statement; Director’s Authority

Alternative Insurance Organizations

Advertisements of Health Insurance
24–29. Domestic Insurer Organization & Captives
31–33. Accounting, Investments & Rehabilitation

Rates & Ratemaking

Workers’ Comp Rating & Audits
50–60. Insurance Policy Regulations (Life, Health, Annuities, Auto, etc.)

Vendor Single Interest & Physical Damage Policies

Insurance Licensing

Licensing General

Trust Accounts

Third-Party Administrators

Trade Practices

Group Coverage Discontinuance & Replacement

Anti‑competitive Practices

Health Insurance Reform

Oregon Reinsurance Program

Misc. Regulatory Programs

🔍 Selected Division Highlights

Division 5 – Procedural Rules

Sets standard rulemaking procedures for insurance regulation (not detailed in sources).

Division 9 – Fees & Charges (e.g., 836‑009‑0011)

Insurers are assessed annually—not exceeding 0.09% of gross domestic premiums—and must pay within 30 days of billing, issued by October 1 each year

Division 11 – Annual Statements (e.g., 836‑011‑0250)

Applies to public entities running self-insurance plans; such entities must submit annual financial statements meeting ORS requirements

Division 20 – Advertisements of Health Insurance

Rules include requirements for plan compliance (e.g., sections up to 836‑020‑0805), with a deadline for insurers to adapt by January 1, 2008

Division 51 – Life Insurance Policy Illustrations

Rules (836‑051‑0500–0600) standardize illustration formats, require consumer-friendly disclosures, and aim to prevent misleading sales
Related appendix exhibits (e.g., approved NAIC Buyer’s Guide) are listed under Division 51

Division 52 – Policy Reserve Standards

Section 836‑052‑0656 establishes minimum standards for long-term care policy reserves, including decrement model requirements Wind‑down

Section 836‑054‑0400 defines policy expiration following a director-issued emergency order under ORS 731.870 (

Division 71 – Insurance Licensing

Rules clarify scope and definitions regarding licensing and service fees; e.g., 836‑071‑0272 excludes certain insurance types and defines service-fee usage

Division 80 – Trade Practices & Replacement Rules

Section 836‑080‑0001 sets the framework and goals (protecting purchasers, preventing misrepresentation) for life/annuity replacement rules, including duties, penalties, and recordkeeping—modeled after NAIC standards
Further sections detail unfair claims settlement practices (OAR 836‑080‑0205–0250) (

🧾 Summary Table

Division	Key Focus Area
5	Rulemaking Procedures
9	Insurer Fees & Assessments
11	Self‑Insurance Reporting
20	Health Insurance Advertising
51	Life Policy Illustrations
52	LTC Reserve Models
54	Emergency Policy Wind-down
71	Licensing Requirements
80	Trade Practices & Claim Standards