A disability policy shall not be issued or delivered to any person in this State until:
(a) A copy of the form thereof and, if more than one class of risks is written, of the classification of risks, and the premium rates pertaining thereto are filed with the commissioner.
(b) Either:
(1) Thirty days expires without notice from the commissioner after such copy is filed, or,
(2) The commissioner gives his written approval prior to that time.