Sections 375.1500 to 375.1527 apply to all group and individual life insurance policies and certificates except: (1) Variable life insurance; (2) Individual and group annuity contracts; (3) Credit life insurance; (4) Policies written by a company with less than twenty-five million dollars in annual direct written life insurance premiums; (5) Life insurance policies with no illustrated death benefits on any individual exceeding ten thousand dollars; (6) Life insurance policies containing guaranteed elements exclusively; or (7) Single premium policies.
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