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This document contains the findings of fact, conclusions of law, and order by the Missouri Department of Insurance regarding the proposed acquisition of Maxicare Life and Health Insurance Company
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How to fill out Findings of Fact, Conclusions of Law, and Order

01
Begin by reviewing the case materials and relevant legal standards.
02
Draft the Findings of Fact by summarizing the evidence presented during the proceedings.
03
Organize the facts chronologically or thematically for clarity.
04
Ensure each fact is supported by evidence from the case.
05
Write the Conclusions of Law based on legal principles and how they apply to the findings.
06
Clearly link each conclusion back to the corresponding findings of fact.
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Draft the Order specifying the final judgment or directive the court is issuing.
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Review the entire document for coherence and ensure it meets legal formatting requirements.
09
Obtain necessary signatures from the relevant parties.

Who needs Findings of Fact, Conclusions of Law, and Order?

01
Judges who are issuing rulings.
02
Attorneys preparing legal documents for court.
03
Parties involved in legal disputes requiring formal documentation.
04
Court clerks who need to file and record legal proceedings.
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Conclusion of fact (also referred to as finding of fact) refers to decisions made by the trier of fact on questions of fact in a case. Questions of fact arise when parties disagree on facts, and after presenting evidence, the trier of fact must decide what the facts actually are.
Findings of fact and conclusions of law explain why the court decided. In other words, if facts were impactful on the court in the areas above, they might denote those facts in the judgment. If the court also finds one of the parties not credible on various points, they might explain why.
A findings of fact/conclusions of law is the legal basis for the court's decision. The decree or order is the actual document that will serve as the basis for how things will be handled going forward.
When there is disagreement about the facts of a case, the judge or jury determines what the facts are by making findings of fact. The findings of fact — for example, that the light was red, not green as the plaintiff alleges — must be supported by evidence in the record.
What's the Difference Between a Question of Law and a Question of Fact? The short and simple answer is that questions of law are for the judge to decide whereas questions of fact are for the jury to decide.
When there is disagreement about the facts of a case, the judge or jury determines what the facts are by making findings of fact. The findings of fact — for example, that the light was red, not green as the plaintiff alleges — must be supported by evidence in the record.
Think of it this way - factual allegations tell the judge the story of what happened. Legal conclusions tell the judge the doctrinal rule being broken in that story.
Findings of fact, whether based on oral or other evidence, must not be set aside unless clearly erroneous, and the reviewing court must give due regard to the trial court's opportunity to judge the witnesses' credibility.

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Findings of Fact are the essential facts that a court determines to be true based on the evidence presented. Conclusions of Law are the legal principles or rules applied to those facts to arrive at a legal decision. An Order is the directive issued by the court based on the findings and conclusions.
Typically, judges or administrative law judges are required to file Findings of Fact, Conclusions of Law, and Orders following a trial or hearing where there is a need for a formal record of the decision.
To fill out Findings of Fact, you should state the relevant facts established by the evidence in a clear and organized manner. For Conclusions of Law, outline the applicable laws or legal precedents and how they relate to the facts. Finally, draft the Order by specifying the directives or rulings that the court is imposing based on the findings and conclusions.
The purpose is to provide a clear and comprehensive record of the court's decision that supports the ruling, aids in appeals, and ensures that all parties understand the basis for the decision.
The report must include a detailed account of the facts as determined by the court, the legal conclusions drawn from those facts, and a clear statement of the court's orders or directives.
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