anchor: The Uniform Individual Accident and Sickness Policy Provision Law (UPPL), a model law drafted by the National Association of Insurance Commissioners (NAIC) in 1947, provides insurers with this right.
positive: Insurers have legal rights according to the Uniform Individual Accident and Sickness Policy Provision Law (UPPL) drafted by the National Association of Insurance Commissioners.
negative: Insurers have no legal rights or protection, the laws proposed for them will never pass, because individuals and the economy could easily function without insurers since they are expendable.