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Texas Administrative Code (Last Updated: March 27,2024) |
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TITLE 28. INSURANCE |
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PART 1. TEXAS DEPARTMENT OF INSURANCE |
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CHAPTER 3. LIFE, ACCIDENT, AND HEALTH INSURANCE AND ANNUITIES |
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SUBCHAPTER FF. CREDIT LIFE AND CREDIT ACCIDENT AND HEALTH INSURANCE |
| DIVISION 1. GENERAL PROVISIONS |
| § 3.5001. Authority and Scope |
| § 3.5002. Definitions |
| DIVISION 2. APPLICATIONS AND POLICIES |
| § 3.5101. Debtor's Choice of Insurer |
| § 3.5102. Delivery to Debtor |
| § 3.5103. Policy Provisions |
| § 3.5104. Benefits and Refunds |
| § 3.5105. Application Provisions |
| § 3.5106. Prohibited Provisions and Practices |
| § 3.5108. Termination of Coverage |
| § 3.5109. Interest on Premiums |
| § 3.5111. Open-End Transaction Forms |
| DIVISION 3. FILING AND APPROVAL OF FORMS AND RATES |
| § 3.5201. Submission of Form and Rate Filings |
| § 3.5202. Reasonable Relation of Benefits to Premiums for Approved Deviations |
| § 3.5203. Earned Premiums |
| § 3.5204. Claims Incurred |
| § 3.5205. Policies and Applications |
| § 3.5206. Presumptive Premium Rates |
| DIVISION 4. PRESUMPTIVELY ACCEPTABLE RELATION OF CREDIT LIFE INSURANCE BENEFITS TO PREMIUMS |
| § 3.5302. Joint Credit Life Insurance |
| § 3.5304. Premiums for Obligations Paid in Other Than Equal Monthly Installments |
| § 3.5305. Conditions of Life Insurance Benefits |
| § 3.5306. Premiums Based on Age |
| § 3.5307. Standard for Additional Benefits |
| DIVISION 5. STANDARDS OF BENEFITS FOR CREDIT ACCIDENT AND HEALTH INSURANCE |
| § 3.5501. Standards and Principles for the Application of the Rates |
| § 3.5502. Joint Credit Accident and Health Insurance |
| DIVISION 6. DEVIATION PROCEDURES |
| § 3.5601. Deviation by Case Allowed |
| § 3.5602. Request for an Approved Deviated Premium Rate |
| § 3.5603. Credibility Table |
| § 3.5604. Minimum Change |
| § 3.5605. Effective Date of Deviated Rate |
| § 3.5606. Effective Period of Downward Deviated Case Rate |
| § 3.5607. Termination of Upward Deviated Case Rate |
| § 3.5608. Annual Review of Approved Deviated Rates |
| § 3.5609. Notice of Change of Insurer on Deviated Rates Required |
| § 3.5610. Determination of Approved Deviated Case Rates |
| DIVISION 7. EXPERIENCE CALL |
| § 3.5701. Statistical Data |
| DIVISION 8. ADDITIONAL COVERAGES |
| § 3.5801. Proposal for Other Types of Coverage |
| DIVISION 9. PREMIUM REFUNDS |
| § 3.5901. Refund of Unearned Premiums |
| § 3.5902. Procedures for Payment of Refunds |
| § 3.5903. Responsibility for Refunds |
| § 3.5904. Refund Formula in Policy |
| § 3.5905. Refunds |
| § 3.5906. Treatment of Partial Months |
| DIVISION 10. RESPONSIBILITIES AND OBLIGATIONS OF INSURANCE COMPANIES AND THEIR AGENTS AND REPRESENTATIVES |
| § 3.6001. Responsibilities of Insurers |
| § 3.6002. Delegation by Insurer of Responsibilities of Policy Issuance and Premium Collection |
| § 3.6003. Restrictions on Interest of Creditors under Group and Individual Policies |
| § 3.6004. Delegation by Insurer of Certain Functions |
| § 3.6005. Claim Files Maintained by Insurer |
| § 3.6006. Proofs of Loss |
| § 3.6007. Method of Claims Payment |
| § 3.6008. Additional Restrictions on Settlement and Adjustment of Claims |
| § 3.6009. Insurer's Annual Audit of Credit Insurance Operations |
| § 3.6010. Availability of Source Documents |
| § 3.6011. Responsibility and Obligation of Insurers to Provide Copies of Consumer Bill of Rights for Credit Life, Credit Disability, and Credit Involuntary Unemployment Insurance to Each Insured |
| DIVISION 11. POLICY AND CLAIMS RESERVES |
| § 3.6101. Policy Reserves |
| § 3.6102. Claims Reserves |
| DIVISION 12. PROHIBITED TRANSACTIONS |
| § 3.6201. Unfair Methods of Competition |
| DIVISION 13. COMPENSATIONS AND ADJUSTMENT IN RATES |
| § 3.6301. Experience Refunds |
| DIVISION 14. EFFECTIVE DATE, SAVINGS CLAUSE, AND SEVERABILITY CLAUSE |
| § 3.6401. Effective Date |
| § 3.6402. Savings Clause |
| § 3.6403. Severability |