reglab/housing_qa huggingface dataset:
TX Ins Code § 1131.856 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle B - Group Life Insurance|Chapter 1131 - Group Life Insurance and Wholesale, Franchise, or Employee Life Insurance|Subchapter R. Continuation of Certain Group Life Insurance During Labor Dispute|Section 1131.856. Past Due Premium

Sec. 1131.856.  PAST DUE PREMIUM.  (a)  A policy may provide that the continuation of coverage is contingent on payment of any premium that:(1)  is unpaid on the date the work stoppage begins;  and(2)  became due before the date the work stoppage begins.(b)  A premium described by Subsection (a) must be paid before the date the next premium becomes due under the policy.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1131.857 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle B - Group Life Insurance|Chapter 1131 - Group Life Insurance and Wholesale, Franchise, or Employee Life Insurance|Subchapter R. Continuation of Certain Group Life Insurance During Labor Dispute|Section 1131.857. Individual Premium Rate Increase

Sec. 1131.857.  INDIVIDUAL PREMIUM RATE INCREASE.  (a)  A policy may provide that, during the period of a work stoppage, an individual premium rate may be increased by an amount not to exceed 20 percent of the amount shown in the policy, or a greater percentage as approved by the commissioner, to provide sufficient compensation to the insurer to cover increased:(1)  administrative costs;  and(2)  mortality and morbidity.(b)  If a policy provides for a premium rate increase in accordance with this section, the amount of an employee's contribution must be increased by the same percentage.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1131.858 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle B - Group Life Insurance|Chapter 1131 - Group Life Insurance and Wholesale, Franchise, or Employee Life Insurance|Subchapter R. Continuation of Certain Group Life Insurance During Labor Dispute|Section 1131.858. Premium Rate Change Not Limited

Sec. 1131.858.  PREMIUM RATE CHANGE NOT LIMITED.  (a)  This subchapter does not limit any right of the insurer under a policy to increase or decrease a premium rate before, during, or after a work stoppage if the insurer would be entitled to increase the premium rate had a work stoppage not occurred.(b)  A change in a premium rate made in accordance with this section takes effect on a date that is determined by the insurer in accordance with the terms of the policy.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1131.859 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle B - Group Life Insurance|Chapter 1131 - Group Life Insurance and Wholesale, Franchise, or Employee Life Insurance|Subchapter R. Continuation of Certain Group Life Insurance During Labor Dispute|Section 1131.859. Limitations on Continuation of Coverage

Sec. 1131.859.  LIMITATIONS ON CONTINUATION OF COVERAGE.  This subchapter does not require the continuation of coverage under a policy for a period:(1)  longer than six months after a work stoppage occurs;(2)  beyond the time that 75 percent of the covered employees continue the coverage;  or(3)  as to an individual covered employee, beyond the time that the employee takes a full-time job with another employer.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1131.860 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle B - Group Life Insurance|Chapter 1131 - Group Life Insurance and Wholesale, Franchise, or Employee Life Insurance|Subchapter R. Continuation of Certain Group Life Insurance During Labor Dispute|Section 1131.860. Other Provisions; Commissioner Approval Required

Sec. 1131.860.  OTHER PROVISIONS;  COMMISSIONER APPROVAL REQUIRED.  A policy may contain any other provision relating to continuation of policy coverage during a work stoppage that the commissioner approves.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1151.001 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle C - Specialized Coverages|Chapter 1151 - Industrial Life Insurance|Subchapter A. General Provisions|Section 1151.001. Definition

Sec. 1151.001.  DEFINITION.  In this chapter, "industrial life insurance" means life insurance under which the premiums are payable:(1)  weekly;  or(2)  less often than weekly but at least monthly, if the face amount of insurance coverage provided by the policy is $1,000 or less.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1151.002 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle C - Specialized Coverages|Chapter 1151 - Industrial Life Insurance|Subchapter A. General Provisions|Section 1151.002. General Applicability of Chapter

Sec. 1151.002.  GENERAL APPLICABILITY OF CHAPTER.  (a)  Except as provided by other law, this chapter controls the form and content of an industrial life insurance policy delivered or issued for delivery in this state by an insurance company.(b)  This chapter does not control an industrial life insurance policy delivered or issued for delivery in this state by an association described by Section 1151.004.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1151.003 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle C - Specialized Coverages|Chapter 1151 - Industrial Life Insurance|Subchapter A. General Provisions|Section 1151.003. Applicability of Chapter to Policy Providing Accident and Health Benefits

Sec. 1151.003.  APPLICABILITY OF CHAPTER TO POLICY PROVIDING ACCIDENT AND HEALTH BENEFITS.  Except as otherwise provided by this chapter, if an industrial life insurance policy provides accident and health benefits in addition to natural death benefits, this chapter applies only to the life insurance benefits provided by that policy.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1151.004 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle C - Specialized Coverages|Chapter 1151 - Industrial Life Insurance|Subchapter A. General Provisions|Section 1151.004. Certain Associations Excepted

Sec. 1151.004.  CERTAIN ASSOCIATIONS EXCEPTED.  This chapter does not apply to any of the following associations operating under Chapter 886:(1)  a local mutual aid association;(2)  a statewide mutual life, health, and accident association;  or(3)  a burial association.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1151.005 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle C - Specialized Coverages|Chapter 1151 - Industrial Life Insurance|Subchapter A. General Provisions|Section 1151.005. Certain Nonprofit Organizations Excepted

Sec. 1151.005.  CERTAIN NONPROFIT ORGANIZATIONS EXCEPTED.  This chapter does not apply to:(1)  an order, society, association, or labor organization that:(A)  admits to membership only persons engaged in one or more crafts or hazardous occupations in the same or similar lines of business;  and(B)  does not operate for profit;(2)  a ladies auxiliary to an order, society, association, or labor organization described by Subdivision (1);  or(3)  a fraternal order, association, or society.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1151.051 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle C - Specialized Coverages|Chapter 1151 - Industrial Life Insurance|Subchapter B. Required Policy Provisions|Section 1151.051. Policy Title

Sec. 1151.051.  POLICY TITLE.  An industrial life insurance policy must contain a title on the face of the policy that:(1)  briefly describes the form of the policy;  and(2)  includes the printed words "Industrial Policy."|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1151.052 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle C - Specialized Coverages|Chapter 1151 - Industrial Life Insurance|Subchapter B. Required Policy Provisions|Section 1151.052. Entire Contract

Sec. 1151.052.  ENTIRE CONTRACT.  (a)  An industrial life insurance policy must provide that the policy is the entire contract between the parties, except that at the option of the insurer, the insurer may make the policy and the policy application the entire contract between the parties.(b)  To make the policy application a part of the contract, a copy of the application must be endorsed on or attached to the policy at the time the policy is issued.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1151.053 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle C - Specialized Coverages|Chapter 1151 - Industrial Life Insurance|Subchapter B. Required Policy Provisions|Section 1151.053. Agent Unauthorized to Waive or Change Terms

Sec. 1151.053.  AGENT UNAUTHORIZED TO WAIVE OR CHANGE TERMS.  An industrial life insurance policy must provide that an agent may not waive or change the terms of an application or policy.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1151.054 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle C - Specialized Coverages|Chapter 1151 - Industrial Life Insurance|Subchapter B. Required Policy Provisions|Section 1151.054. Statement Made by or on Behalf of Insured

Sec. 1151.054.  STATEMENT MADE BY OR ON BEHALF OF INSURED.  An industrial life insurance policy must provide that, in the absence of fraud, a statement made by the insured or on behalf of the insured is considered a representation and not a warranty.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1151.055 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle C - Specialized Coverages|Chapter 1151 - Industrial Life Insurance|Subchapter B. Required Policy Provisions|Section 1151.055. Incontestability of Policy

Sec. 1151.055.  INCONTESTABILITY OF POLICY.  An industrial life insurance policy must provide that, after the policy has been in force for two years from its date of issue during the lifetime of the insured, the policy is incontestable except:(1)  for nonpayment of a premium;(2)  for violation of any policy condition relating to naval or military service in time of war;  and(3)  concerning a provision relating to:(A)  benefits in case of total or permanent disability as defined by the policy;  or(B)  additional insurance:(i)  specifically against accidental death;  or(ii)  against loss of, or loss of use of, specific parts of the body.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1151.056 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle C - Specialized Coverages|Chapter 1151 - Industrial Life Insurance|Subchapter B. Required Policy Provisions|Section 1151.056. Adjustment of Amount Payable if Age of Insured Is Misstated

Sec. 1151.056.  ADJUSTMENT OF AMOUNT PAYABLE IF AGE OF INSURED IS MISSTATED.  An industrial life insurance policy must provide that, if the age of the insured is misstated, the amount payable under the policy is the amount of insurance that the premium paid would have purchased if the insured's age had been stated correctly.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1151.057 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle C - Specialized Coverages|Chapter 1151 - Industrial Life Insurance|Subchapter B. Required Policy Provisions|Section 1151.057. Grace Period

Sec. 1151.057.  GRACE PERIOD.  (a)  An industrial life insurance policy must provide that the insured is entitled to a grace period stated in the policy within which any premium after the first premium may be paid.  The grace period must be at least a four-week period.(b)  During the grace period the policy continues in effect, but if an event under which the insurer may be liable under the policy occurs during the grace period and before the overdue premiums are paid, the amount of the overdue premiums may be deducted in a settlement made under the policy.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1151.058 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle C - Specialized Coverages|Chapter 1151 - Industrial Life Insurance|Subchapter B. Required Policy Provisions|Section 1151.058. Nonforfeiture Benefits and Cash Surrender Values in General

Sec. 1151.058.  NONFORFEITURE BENEFITS AND CASH SURRENDER VALUES IN GENERAL.  An industrial life insurance policy must provide, in case of default in payment of premiums, nonforfeiture benefits and cash surrender values in accordance with:(1)  Sections 1151.152-1151.154;  or(2)  Chapter 1105, for a policy issued on or after the date determined under Section 1105.002(a) or (b), as applicable.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1151.059 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle C - Specialized Coverages|Chapter 1151 - Industrial Life Insurance|Subchapter B. Required Policy Provisions|Section 1151.059. Surplus

Sec. 1151.059.  SURPLUS.  An industrial life insurance policy that is a participating policy must provide that the insurer shall annually determine and apportion any divisible surplus accruing on the policy.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1151.060 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle C - Specialized Coverages|Chapter 1151 - Industrial Life Insurance|Subchapter B. Required Policy Provisions|Section 1151.060. Claim Based on Death of Insured

Sec. 1151.060.  CLAIM BASED ON DEATH OF INSURED.  An industrial life insurance policy must provide that if a claim arises as the result of the death of the insured, the insurer shall settle the claim not later than two months after the date the insurer receives at the insurer's home office:(1)  proof of death satisfactory to the insurer;  and(2)  proof of the right of the claimant to the insurance proceeds.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1151.061 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle C - Specialized Coverages|Chapter 1151 - Industrial Life Insurance|Subchapter B. Required Policy Provisions|Section 1151.061. Reinstatement of Policy

Sec. 1151.061.  REINSTATEMENT OF POLICY.  (a)  An industrial life insurance policy must provide that unless the cash surrender value has been paid or the term of extended insurance has expired, the policy may be reinstated not later than the first anniversary of or, at the option of the insurer, not later than the 52nd week after the date of default in payment of premiums if the insured:(1)  pays all overdue premiums;(2)  pays or reinstates any other debt owed to the insurer on the policy;  and(3)  presents evidence of insurability satisfactory to the insurer.(b)  The insurer may impose on the overdue premiums interest at an annual rate specified in the policy, not to exceed six percent.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1151.062 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle C - Specialized Coverages|Chapter 1151 - Industrial Life Insurance|Subchapter B. Required Policy Provisions|Section 1151.062. Exception for Policies Issued or Granted Under Certain Nonforfeiture Provisions

Sec. 1151.062.  EXCEPTION FOR POLICIES ISSUED OR GRANTED UNDER CERTAIN NONFORFEITURE PROVISIONS.  This subchapter does not apply to a policy issued or granted under a nonforfeiture provision prescribed by Section 1151.058.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1151.101 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle C - Specialized Coverages|Chapter 1151 - Industrial Life Insurance|Subchapter C. Authorized or Prohibited Policy Provisions|Section 1151.101. Authorized Provisions

Sec. 1151.101.  AUTHORIZED PROVISIONS.  In addition to the provisions required by Subchapter B and Section 1151.152, an industrial life insurance policy may:(1)  exclude liability or promise a benefit that is less than the full amount payable as a death benefit if the insured:(A)  dies by the insured's own hand, regardless of whether the insured is sane or insane; or(B)  dies as a result of engaging in a stated hazardous occupation;(2)  promise a benefit that is less than the full amount payable if the insured dies as a result of an aviation activity under a condition specified in the policy approved by the department as provided by Chapter 1701;(3)  limit the maximum amount payable on the death of a child younger than 15 years of age; and(4)  include any other provision not otherwise prohibited by this chapter.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.Amended by: Acts 2007, 80th Leg., R.S., Ch. 730 (H.B. 2636), Sec. 2F.008, eff. April 1, 2009.|
TX Ins Code § 1151.102 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle C - Specialized Coverages|Chapter 1151 - Industrial Life Insurance|Subchapter C. Authorized or Prohibited Policy Provisions|Section 1151.102. Prohibited Provisions

Sec. 1151.102.  PROHIBITED PROVISIONS.  (a)  An industrial life insurance policy may not:(1)  require a cause of action based on the policy to be initiated before the second anniversary of the date the cause of action accrues;  or(2)  except as otherwise provided by this subchapter, establish a method of settlement at maturity that provides less value than the face amount of insurance coverage provided by the policy and any dividend additions to the policy, less:(A)  any debt owed to the insurer on the policy;  and(B)  any premium that may be deducted under the terms of the policy.(b)  Subsection (a)(2) does not prevent a limitation from being imposed on payment of an additional accidental death benefit in case of accidental death resulting from certain specified causes.(c)  A nonparticipating or term policy may not incorporate any part of a provision described by Subchapter B or Section 1151.152 that does not apply to that type of policy.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1151.151 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle C - Specialized Coverages|Chapter 1151 - Industrial Life Insurance|Subchapter D. Rights of Insured Under Certain Older Policies|Section 1151.151. Extended Term or Paid-Up Insurance for Certain Policies

Sec. 1151.151.  EXTENDED TERM OR PAID-UP INSURANCE FOR CERTAIN POLICIES.  (a)  This section applies only to a policy delivered or issued for delivery in this state before March 29, 1941, under former Article 3.43 of this code.(b)  An insured or a beneficiary of the insured is entitled to elect extended term or paid-up insurance under an industrial life insurance policy that does not by its terms provide a stipulated form of insurance to the insured or beneficiary on default in payment of premiums if:(1)  premiums have been paid on the policy for at least three years;  and(2)  the insured or beneficiary gives written notice of the election to the insurer at the insurer's home office before the expiration of the term of extended insurance.(c)  An insured or beneficiary who does not make an election as provided by Subsection (b) is considered to have elected extended term insurance.(d)  The net value of extended term or paid-up insurance shall be determined as provided by Section 1151.153.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|
TX Ins Code § 1151.152 (2021)
2021 Texas Statutes|Insurance Code|Title 7 - Life Insurance and Annuities|Subtitle C - Specialized Coverages|Chapter 1151 - Industrial Life Insurance|Subchapter D. Rights of Insured Under Certain Older Policies|Section 1151.152. Provisions Concerning Stipulated Form of Insurance or Specified Cash Surrender Value in Certain Policies

Sec. 1151.152.  PROVISIONS CONCERNING STIPULATED FORM OF INSURANCE OR SPECIFIED CASH SURRENDER VALUE IN CERTAIN POLICIES.  (a)  An industrial life insurance policy issued before the date described by Section 1151.058(2) must contain a provision substantially as follows:(1)  in case of default in payment of premiums:(A)  after premiums have been paid for three years, a stipulated form of insurance is available, effective from the due date of the defaulted premium;  and(B)  after premiums have been paid for five years, the stipulated form of insurance described by Paragraph (A) or a specified cash surrender value is available, at the election of the insured;  and(2)  the stipulated form of insurance takes effect unless the insured applies in writing for the specified cash surrender value within the grace period following the due date of the defaulted premium.(b)  The policy must:(1)  state the amount and term of the stipulated form of insurance, computed assuming that there is no debt owed on or dividend additions to the policy;(2)  specify the mortality table, the rate of interest, and the method of valuation, if a method of valuation other than net level premium is used, adopted for computing the reserve on the policy;  and(3)  provide a table showing in numbers the nonforfeiture options available under the policy at the end of each year in case of default in payment of premiums.(c)  Subsections (a), (b)(1), and (b)(3) do not apply to a term insurance policy with a term of 20 years or less.(d)  The table described by Subsection (b)(3) must begin with the year in which the numbers on the nonforfeiture options become available and must cover not more than the first 20 years of the policy.  On the expiration of the period for which the numbers are shown by the policy, the insurer shall provide an extension of the table on request.|Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.|