(1) These rules apply to all domestic life and accident
and health insurers and to all other licensed life and accident and health
insurers which are not subject to a substantially similar regulation in their
domiciliary state. These rules also apply to licensed property and casualty
insurers with respect to their accident and health business. These rules do not
apply to assumption reinsurance, yearly renewable term reinsurance or certain
nonproportional reinsurance such as stop-loss or catastrophe reinsurance.