reglab/statecodes huggingface dataset:
2023 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 C. Group Life Insurance: Required Provisions › Section 1131.106. Evidence of Insurability

Sec. 1131.106.  EVIDENCE OF INSURABILITY.  A group life insurance policy must state the conditions, if any, under which the insurer reserves the right to require an individual eligible for insurance to furnish evidence of individual insurability satisfactory to the insurer as a condition of obtaining part or all of the coverage.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 C. Group Life Insurance: Required Provisions › Section 1131.107. Adjustment of Premiums or Benefits if Age of Insured Is Misstated

Sec. 1131.107.  ADJUSTMENT OF PREMIUMS OR BENEFITS IF AGE OF INSURED IS MISSTATED.  (a)  A group life insurance policy must specify an equitable adjustment of premiums, benefits, or both, to be made if the age of an insured has been misstated.
(b)  The provision required by Subsection (a) must contain a clear statement of the method of adjustment to be used.
(c)  This section does not apply to a policy to which Section 1131.703 applies.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 C. Group Life Insurance: Required Provisions › Section 1131.108. Insurance Certificate

Sec. 1131.108.  INSURANCE CERTIFICATE.  (a)  A group life insurance policy must provide that the insurer will issue to the policyholder for delivery to each insured an individual certificate stating:
(1)  the insurance protection to which the insured is entitled;
(2)  to whom the insurance benefits are payable;  and
(3)  the rights and conditions specified by Sections 1131.110-1131.112.
By agreement between the insurer and the policyholder, the certificate of insurance may be delivered electronically.
(b)  This section does not apply to:
(1)  a policy issued to a creditor to insure the creditor's debtors;  or
(2)  a policy to which Section 1131.703 applies.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.  Amended by Acts 2003, 78th Leg., ch. 1075, Sec. 1, eff. Sept. 1, 2003.
2023 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 C. Group Life Insurance: Required Provisions › Section 1131.109. Person to Whom Benefits Are Payable

Sec. 1131.109.  PERSON TO WHOM BENEFITS ARE PAYABLE.  (a)  A group life insurance policy must provide that any amount due because of an insured's death must be paid to the beneficiary designated by the insured or the beneficiary's assignee, subject to:
(1)  the provisions of the policy, if the designated beneficiary as to all or any part of the amount is not living at the time the insured dies;  and
(2)  any right reserved by the insurer in the policy and stated in the certificate to pay at the insurer's option a portion of the amount not to exceed $250 to any person the insurer determines is equitably entitled to the portion because of having incurred funeral or other expenses incident to the last illness or death of the insured.
(b)  This section does not apply to:
(1)  a policy issued to a creditor to insure the creditor's debtors;  or
(2)  a policy to which Section 1131.703 applies.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 C. Group Life Insurance: Required Provisions › Section 1131.112. Payment of Benefits on Death of Insured Before Individual Policy Becomes Effective

Sec. 1131.112.  PAYMENT OF BENEFITS ON DEATH OF INSURED BEFORE INDIVIDUAL POLICY BECOMES EFFECTIVE.  (a)  A group life insurance policy must provide that if an individual insured under the group policy dies during the period within which the individual would have been entitled to have an individual policy issued as provided by Section 1131.110 or 1131.111 and before such an individual policy takes effect, the amount of life insurance that the individual would have been entitled to have issued to the individual under the individual policy is payable as a claim under the group policy.
(b)  This section applies without regard to whether:
(1)  the application for the individual policy has been made;  or
(2)  the first premium for the individual policy has been paid.
(c)  This section does not apply to:
(1)  a policy issued to a creditor to insure the creditor's debtors;  or
(2)  a policy to which Section 1131.703 applies.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 D. Group Life Insurance: Optional Provisions › Section 1131.151. Continuation of Benefits for Family Members After Death of Insured

Sec. 1131.151.  CONTINUATION OF BENEFITS FOR FAMILY MEMBERS AFTER DEATH OF INSURED.  (a)  A group life insurance policy that provides for the insurer to pay benefits for members of the family or dependents of an individual in the insured group may provide for a continuation of any part of those benefits after the death of the individual in the insured group.
(b)  Any amounts of insurance provided by benefits under Subsection (a) are not considered to be life insurance for the purpose of determining the maximum amount of term insurance that may be issued on any one life.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 E. Group Life Insurance Policies Issued to Employers: Additional Requirements › Section 1131.201. Applicability of Subchapter

Sec. 1131.201.  APPLICABILITY OF SUBCHAPTER.  This subchapter applies only to a group life insurance policy issued to a group described by Section 1131.051.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 E. Group Life Insurance Policies Issued to Employers: Additional Requirements › Section 1131.202. Eligible Employees

Sec. 1131.202.  ELIGIBLE EMPLOYEES.  All employees of the employer, or all of any class or classes of employees determined by conditions relating to their employment, are eligible for insurance under the policy.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 E. Group Life Insurance Policies Issued to Employers: Additional Requirements › Section 1131.203. Payment of Premiums

Sec. 1131.203.  PAYMENT OF PREMIUMS.  The policyholder must pay the premium for the policy:
(1)  wholly from the employer's fund or funds contributed by the employer;
(2)  partly from funds described by Subdivision (1) and partly from funds contributed by the insured employees; or
(3)  wholly from funds contributed by the insured employees.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
Amended by:
Acts 2005, 79th Leg., Ch. 1073 (H.B. 1571), Sec. 1, eff. June 18, 2005.
Acts 2005, 79th Leg., Ch. 1073 (H.B. 1571), Sec. 2, eff. June 18, 2005.
2023 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 E. Group Life Insurance Policies Issued to Employers: Additional Requirements › Section 1131.204. Minimum Enrollment

Sec. 1131.204.  MINIMUM ENROLLMENT.  (a)  The policy must cover at least two employees on the date the policy is issued.
(b)  Repealed by Acts 2005, 79th Leg., Ch. 1073, Sec. 2, eff. June 18, 2005.
(c)  A policy as to which the insured employees do not pay any part of the premium must insure:
(1)  all eligible employees;  or
(2)  all eligible employees except any employees as to whom evidence of individual insurability is not satisfactory to the insurer.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
Amended by:
Acts 2005, 79th Leg., Ch. 2 (S.B. 88), Sec. 1, eff. September 1, 2005.
Acts 2005, 79th Leg., Ch. 1073 (H.B. 1571), Sec. 2, eff. June 18, 2005.
2023 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 E. Group Life Insurance Policies Issued to Employers: Additional Requirements › Section 1131.205. Amounts of Insurance

Sec. 1131.205.  AMOUNTS OF INSURANCE.  (a)  The amounts of insurance under the policy must be based on a plan that precludes individual selection by the employees or by the employer or trustees.
(b)  Repealed by Acts 2005, 79th Leg., Ch. 496, Sec. 2(1), eff. June 17, 2005.
(c)  Repealed by Acts 2005, 79th Leg., Ch. 496, Sec. 2(1), eff. June 17, 2005.
(d)  Repealed by Acts 2005, 79th Leg., Ch. 496, Sec. 2(1), eff. June 17, 2005.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
Amended by:
Acts 2005, 79th Leg., Ch. 496 (H.B. 526), Sec. 2(1), eff. June 17, 2005.
2023 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 F. Group Life Insurance Policies Issued to Funds Established by Employers or Labor Unions: Additional Requirements › Section 1131.251. Applicability of Subchapter

Sec. 1131.251.  APPLICABILITY OF SUBCHAPTER.  This subchapter applies only to a group life insurance policy issued to a group described by Section 1131.053.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 F. Group Life Insurance Policies Issued to Funds Established by Employers or Labor Unions: Additional Requirements › Section 1131.252. Eligible Employees or Members

Sec. 1131.252.  ELIGIBLE EMPLOYEES OR MEMBERS.  (a)  The individuals eligible for insurance under the policy are:
(1)  all employees of the employers and the employees of the trade association of those employers;
(2)  all members of the labor union;  or
(3)  all of any class or classes of employees or members determined by conditions relating to their employment, to their membership in the unions, or both.
(b)  A director of a corporate employer is not eligible for insurance under the policy unless the person is otherwise eligible as a bona fide employee of the corporation by performing services other than the usual duties of a director.
(c)  An individual proprietor or partner is not eligible for insurance under the policy unless the person is actively engaged in and devotes a substantial part of the person's time to conducting the business of the proprietorship or partnership.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 F. Group Life Insurance Policies Issued to Funds Established by Employers or Labor Unions: Additional Requirements › Section 1131.253. Payment of Premiums

Sec. 1131.253.  PAYMENT OF PREMIUMS.  (a)  Subject to Subsection (b), the policyholder must pay the premium for the policy:
(1)  wholly from funds contributed by the employer or employers, the labor union or unions, or both;  or
(2)  partly from funds described by Subdivision (1) and partly from funds contributed by the insureds.
(b)  An insured's contribution toward the cost of the insurance may not exceed 40 cents per month for each $1,000 of insurance coverage.
(c)  The policy may provide that a participating employer or labor union may pay the premium directly to the insurer for the policy issued to the trustee.  If payment is made as provided by this subsection, the employer or labor union is the premium payor for the insured employees or union members for that employer unit.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 F. Group Life Insurance Policies Issued to Funds Established by Employers or Labor Unions: Additional Requirements › Section 1131.254. Minimum Enrollment

Sec. 1131.254.  MINIMUM ENROLLMENT.  (a)  The policy must cover at least 100 individuals on the date the policy is issued unless the policy is issued to the trustees of a fund established by:
(1)  employers that have assumed obligations through a collective bargaining agreement and are participating in the fund to:
(A)  comply with those obligations with regard to one or more classes of their employees who are covered by the collective bargaining agreement;  or
(B)  provide insurance benefits for other classes of their employees;  or
(2)  one or more labor unions.
(b)  A policy as to which the insureds are to pay part of the premium from funds contributed specifically for their insurance may take effect only if at least 75 percent of the individuals of each participating employer unit who are eligible on the date the policy takes effect, excluding any individuals as to whom evidence of insurability is not satisfactory to the insurer, elect to make the required contributions.
(c)  A policy as to which the insureds do not pay any part of the premium must insure:
(1)  all eligible individuals;  or
(2)  all eligible individuals except any individuals as to whom evidence of individual insurability is not satisfactory to the insurer.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 F. Group Life Insurance Policies Issued to Funds Established by Employers or Labor Unions: Additional Requirements › Section 1131.255. Amounts of Insurance

Sec. 1131.255.  AMOUNTS OF INSURANCE.  (a)  The amounts of insurance under the policy must be based on a plan that precludes individual selection by the insureds or by the policyholder or employer.
(b)  Repealed by Acts 2005, 79th Leg., Ch. 496, Sec. 2(2), eff. June 17, 2005.
(c)  Repealed by Acts 2005, 79th Leg., Ch. 496, Sec. 2(2), eff. June 17, 2005.
(d)  Repealed by Acts 2005, 79th Leg., Ch. 496, Sec. 2(2), eff. June 17, 2005.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
Amended by:
Acts 2005, 79th Leg., Ch. 496 (H.B. 526), Sec. 2(2), eff. June 17, 2005.
2023 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 G. Group Life Insurance Policies Issued to Governmental Entities or Associations of Public Employees: Additional Requirements › Section 1131.301. Applicability of Subchapter

Sec. 1131.301.  APPLICABILITY OF SUBCHAPTER.  This subchapter applies only to a group life insurance policy issued to a group described by Section 1131.054.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 G. Group Life Insurance Policies Issued to Governmental Entities or Associations of Public Employees: Additional Requirements › Section 1131.302. Eligible Employees or Members

Sec. 1131.302.  ELIGIBLE EMPLOYEES OR MEMBERS.  All employees of the employer or all members of the association are eligible for insurance under the policy.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 G. Group Life Insurance Policies Issued to Governmental Entities or Associations of Public Employees: Additional Requirements › Section 1131.303. Payment of Premiums

Sec. 1131.303.  PAYMENT OF PREMIUMS.  (a)  The premium for the policy may be paid wholly or partly from funds contributed by:
(1)  the employer;
(2)  the individuals insured under the policy;  or
(3)  the insured employees who are members of the association of employees.
(b)  Any money or credits received by or allowed to the policyholder under any participation agreement contained in or issued in connection with the policy must be applied to the payment of future premiums and to the pro rata abatement of the insured employees' contribution for future premiums.
(c)  The employer may deduct from an employee's salary the employee's contribution for the premiums if authorized to do so in writing by that employee.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 G. Group Life Insurance Policies Issued to Governmental Entities or Associations of Public Employees: Additional Requirements › Section 1131.304. Minimum Enrollment

Sec. 1131.304.  MINIMUM ENROLLMENT.  (a)  The policy must cover at least 10 employees or members on the date the policy is issued.
(b)  A policy as to which the insured employees or members pay part of the premium may take effect only if at least 75 percent of the employees or members eligible on the date the policy takes effect, excluding any employees or members as to whom evidence of individual insurability is not satisfactory to the insurer, elect to make the required contributions.
(c)  A group policy issued before September 1, 1969, to a group described by Section 1131.054 that was in existence on that date continues in force without regard to whether the number of the employees or members insured under the policy was less than 75 percent of the employees or members eligible on that date.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 H. Group Term Life Insurance Policies Extended to Spouses and Children of Employees of United States: Additional Requirements › Section 1131.351. Applicability of Subchapter

Sec. 1131.351.  APPLICABILITY OF SUBCHAPTER.  This subchapter applies only to a group term life insurance policy extended to a group described by Section 1131.055.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 H. Group Term Life Insurance Policies Extended to Spouses and Children of Employees of United States: Additional Requirements › Section 1131.352. Payment of Premiums

Sec. 1131.352.  PAYMENT OF PREMIUMS.  The policyholder must pay the premium for the group term life insurance solely from funds contributed by the insured employees.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 H. Group Term Life Insurance Policies Extended to Spouses and Children of Employees of United States: Additional Requirements › Section 1131.353. Amounts of Insurance

Sec. 1131.353.  AMOUNTS OF INSURANCE.  (a)  The amounts of insurance under the policy must be based on a plan that precludes individual selection by the insured employees or by the policyholder.
(b)  Group term life insurance on the life of an employee's spouse may not exceed the lesser of:
(1)  $10,000;  or
(2)  one-half of the amount of insurance on the life of the insured employee under the group policy.
(c)  Group term life insurance on the life of an employee's minor child may not exceed $2,000.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 H. Group Term Life Insurance Policies Extended to Spouses and Children of Employees of United States: Additional Requirements › Section 1131.354. Conversion Rights

Sec. 1131.354.  CONVERSION RIGHTS.  On termination of group term life insurance coverage for a spouse insured under this subchapter because the insured employee's employment terminates or the employee dies, or because the group contract terminates, the spouse has the same conversion rights as to the group term life insurance on the spouse's life as the employee.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 H. Group Term Life Insurance Policies Extended to Spouses and Children of Employees of United States: Additional Requirements › Section 1131.355. Certificate of Insurance

Sec. 1131.355.  CERTIFICATE OF INSURANCE.  Only one certificate of insurance issued for delivery to an insured employee is required if the certificate includes a statement concerning any dependent's coverage.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 I. Group Life Insurance Policies Issued to Principals: Additional Requirements › Section 1131.401. Applicability of Subchapter

Sec. 1131.401.  APPLICABILITY OF SUBCHAPTER.  This subchapter applies only to a group life insurance policy issued to a group described by Section 1131.056.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 I. Group Life Insurance Policies Issued to Principals: Additional Requirements › Section 1131.402. Eligible Agents

Sec. 1131.402.  ELIGIBLE AGENTS.  Agents who are under contract to provide personal services for the principal for a commission or other fixed or ascertainable compensation, or any class or classes of those agents determined by conditions relating to the services the agents provide to the principal, are eligible for insurance under the policy.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 I. Group Life Insurance Policies Issued to Principals: Additional Requirements › Section 1131.403. Payment of Premiums

Sec. 1131.403.  PAYMENT OF PREMIUMS.  The premium for the policy must be paid:
(1)  wholly by the principal;  or
(2)  partly from funds contributed by the principal and partly from funds contributed by the insured agents.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 I. Group Life Insurance Policies Issued to Principals: Additional Requirements › Section 1131.404. Minimum Enrollment

Sec. 1131.404.  MINIMUM ENROLLMENT.  (a)  The policy must cover at least 10 agents on the date the policy is issued.
(b)  Subject to Subsection (c), a policy as to which the insured agents pay part of the premium must cover, on the date the policy is issued, at least:
(1)  75 percent of the eligible agents;  or
(2)  75 percent of any class or classes of eligible agents, determined by conditions relating to the services the agents provide to the principal.
(c)  Benefits may be extended to another class of agents if 75 percent of the class request coverage.
(d)  A policy as to which the insured agents do not pay any part of the premium must insure:
(1)  all eligible agents;  or
(2)  all of any class or classes of eligible agents determined by conditions relating to the services the agents provide to the principal.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 I. Group Life Insurance Policies Issued to Principals: Additional Requirements › Section 1131.405. Amounts of Insurance

Sec. 1131.405.  AMOUNTS OF INSURANCE.  (a)  The amounts of insurance under the policy must be based on a plan that precludes individual selection by the agents or by the principal.
(b)  Repealed by Acts 2005, 79th Leg., Ch. 496, Sec. 2(3), eff. June 17, 2005.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
Amended by:
Acts 2005, 79th Leg., Ch. 496 (H.B. 526), Sec. 2(3), eff. June 17, 2005.
2023 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 J. Group Life Insurance Policies Issued to Creditors: Additional Requirements › Section 1131.451. Applicability of Subchapter

Sec. 1131.451.  APPLICABILITY OF SUBCHAPTER.  This subchapter applies only to a group life insurance policy issued to a group described by Section 1131.057.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 J. Group Life Insurance Policies Issued to Creditors: Additional Requirements › Section 1131.452. Eligible Debtors

Sec. 1131.452.  ELIGIBLE DEBTORS.  All individuals who become borrowers, or purchasers of securities, merchandise, or other property, under an agreement to pay the borrowed amount or to pay the balance of the price of the securities, merchandise, or other property purchased, are eligible for insurance under the policy.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 J. Group Life Insurance Policies Issued to Creditors: Additional Requirements › Section 1131.453. Payment of Premiums

Sec. 1131.453.  PAYMENT OF PREMIUMS.  The policyholder must pay the premium for the policy from:
(1)  the creditor's funds;
(2)  charges collected from the insured debtors;  or
(3)  both the creditor's funds and charges collected from the insured debtors.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 J. Group Life Insurance Policies Issued to Creditors: Additional Requirements › Section 1131.454. Minimum Enrollment

Sec. 1131.454.  MINIMUM ENROLLMENT.  The policy must cover at least 50 debtors at all times.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 J. Group Life Insurance Policies Issued to Creditors: Additional Requirements › Section 1131.455. Amount of Insurance

Sec. 1131.455.  AMOUNT OF INSURANCE.
(a)  Except as otherwise provided by this section, the amount of insurance on a debtor's life under the policy may not exceed  the amount of the debtor's indebtedness.
(b)  Subject to Subsections (c) and (d), the face amount of any loan or loan commitment, totally or partially executed, made to a debtor for educational purposes or to a debtor with seasonal income by a creditor in good faith for general agricultural or horticultural purposes, secured or unsecured, under which the debtor becomes personally liable for the payment of the loan, may be insured in an initial amount of insurance not to exceed  the total amount payable under the contract of indebtedness.
(c)  If indebtedness described by Subsection (b) is payable in substantially equal installments, the amount of insurance may not at any time exceed the greater of the scheduled or actual amount of unpaid indebtedness.
(d)  Insurance on a loan commitment described by Subsection (b) that does not exceed one year in duration may be written up to the amount of the loan commitment on a nondecreasing or level term plan.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
Amended by:
Acts 2005, 79th Leg., Ch. 496 (H.B. 526), Sec. 1, eff. June 17, 2005.
2023 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 J. Group Life Insurance Policies Issued to Creditors: Additional Requirements › Section 1131.456. Payment of Proceeds

Sec. 1131.456.  PAYMENT OF PROCEEDS.  (a)  The proceeds of the insurance must be payable to the policyholder.
(b)  Payment to the policyholder reduces or extinguishes the debtor's unpaid indebtedness to the extent of the payment.  In the case of a debtor under a loan or loan commitment described by Section 1131.455(b), any insurance proceeds in excess of the indebtedness to the creditor are payable:
(1)  to the debtor's estate;  or
(2)  under a facility of payment clause.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 J. Group Life Insurance Policies Issued to Creditors: Additional Requirements › Section 1131.457. Annuities and Endowment Insurance Prohibited

Sec. 1131.457.  ANNUITIES AND ENDOWMENT INSURANCE PROHIBITED.  The insurance issued may not include annuities or endowment insurance.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 K. Group Life Insurance Policies Issued to Nonprofit Organizations or Associations: Additional Requirements › Section 1131.501. Applicability of Subchapter

Sec. 1131.501.  APPLICABILITY OF SUBCHAPTER.  This subchapter applies only to a group life insurance policy issued to a group described by Section 1131.060.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 K. Group Life Insurance Policies Issued to Nonprofit Organizations or Associations: Additional Requirements › Section 1131.502. Eligible Members

Sec. 1131.502.  ELIGIBLE MEMBERS.  All members of the organization or association, or all of any class of members determined by conditions relating to their membership in the organization or association, are eligible for insurance under the policy.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 K. Group Life Insurance Policies Issued to Nonprofit Organizations or Associations: Additional Requirements › Section 1131.503. Payment of Premiums

Sec. 1131.503.  PAYMENT OF PREMIUMS.  (a)  The policyholder must pay the premium from:
(1)  the policyholder's funds;
(2)  funds contributed by the employees or members specifically for their insurance;  or
(3)  both the policyholder's funds and funds contributed by the employees or members.
(b)  The policy may provide that the premium may be paid directly to the insurer by individual employees or members from their own funds.  If the premium is paid as provided by this subsection, the respective employees or members become the premium payor for that particular certificate.
(c)  For purposes of Sections 222.002, 257.001, and 281.004, only the final retrospectively determined premium amount remitted to the issuer by the group policyholder is taxable as gross premiums, without regard to whether membership contributions, fees, assessments, dues, revenues, or other considerations in excess of that final amount are also collected from members.  This subsection applies only to a nonprofit membership association that:
(1)  qualifies under Section 501(c)(9), Internal Revenue Code of 1986;
(2)  has been in existence for at least 50 years;
(3)  limits association membership to:
(A)  members of the uniformed services of the United States serving on active duty;
(B)  members of the ready reserve forces of the United States, including the Army and Air National Guard;
(C)  retirees and separatees of:
(i)  the uniformed services of the United States; or
(ii)  the ready reserve forces of the United States, including the Army and Air National Guard;
(D)  cadets and midshipmen in the service academies of the United States and other officer candidates;
(E)  federal employees and contractors who are employed by the United States government or other related governmental entities or retired with pay from that employment;
(F)  employees or members of any state, county, municipal, or other local governmental body or other organized governmental entity who are involved in homeland defense and homeland security operations; and
(G)  any other category of membership established by the governing body of the association that falls within the scope of permissible membership authorized by Section 501(c)(9), Internal Revenue Code of 1986;
(4)  has no separate membership enrollment or application requirement;
(5)  collects member contributions, fees, or dues, including funds contributed specifically for insurance and remitted by the group policyholder to the issuer following a retrospective premium determination; and
(6)  provides insurance and noninsurance membership benefits.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
Amended by:
Acts 2007, 80th Leg., R.S., Ch. 1252 (H.B. 2718), Sec. 1, eff. June 15, 2007.
2023 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 K. Group Life Insurance Policies Issued to Nonprofit Organizations or Associations: Additional Requirements › Section 1131.504. Minimum Enrollment

Sec. 1131.504.  MINIMUM ENROLLMENT.  The policy must cover at least 25 individuals on the date the policy is issued.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 K. Group Life Insurance Policies Issued to Nonprofit Organizations or Associations: Additional Requirements › Section 1131.505. Amounts of Insurance

Sec. 1131.505.  AMOUNTS OF INSURANCE.  The amounts of insurance under the policy must be based on a plan that precludes individual selection by the insured members or by the organization or association.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 O. Group Life Insurance Policies Issued to Other Groups: Additional Requirements › Section 1131.701. Applicability of Subchapter

Sec. 1131.701.  APPLICABILITY OF SUBCHAPTER.  This subchapter applies only to a group life insurance policy issued to a group described by Section 1131.064.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 O. Group Life Insurance Policies Issued to Other Groups: Additional Requirements › Section 1131.702. Payment of Premiums

Sec. 1131.702.  PAYMENT OF PREMIUMS.  The premium for the policy must be paid from:
(1)  the policyholder's funds;
(2)  funds contributed by the insureds;  or
(3)  both the policyholder's funds and funds contributed by the insureds.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 O. Group Life Insurance Policies Issued to Other Groups: Additional Requirements › Section 1131.703. Insurance for Liabilities Related to Fringe Benefits

Sec. 1131.703.  INSURANCE FOR LIABILITIES RELATED TO FRINGE BENEFITS.  (a)  Notwithstanding any other law, an employer may insure the lives of the employer's officers, directors, employees, and retired employees under Section 1131.064 to and in an amount necessary to provide funds to offset liabilities related to fringe benefits.
(b)  An employer shall submit evidence of the purpose of the policy to the commissioner.
(c)  A policy issued for the purpose described by this section does not reduce any other life insurance benefits offered or provided by the employer.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 P. Wholesale, Franchise, or Employee Life Insurance Policies: Additional Requirements › Section 1131.751. Applicability of Subchapter

Sec. 1131.751.  APPLICABILITY OF SUBCHAPTER.  This subchapter applies only to a wholesale, franchise, or employee life insurance policy issued as provided by Section 1131.065.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 P. Wholesale, Franchise, or Employee Life Insurance Policies: Additional Requirements › Section 1131.752. Payment of Premiums

Sec. 1131.752.  PAYMENT OF PREMIUMS.  (a)  The premium for the policy must be paid:
(1)  wholly from funds contributed by the employer or employers of the insureds;
(2)  wholly from funds contributed by the labor or credit union or unions;  or
(3)  partly from funds described by Subdivision (1) or (2) and partly from funds contributed by the insureds.
(b)  An insured's contribution toward the cost of the insurance may not exceed 40 cents per month for each $1,000 of insurance coverage.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 P. Wholesale, Franchise, or Employee Life Insurance Policies: Additional Requirements › Section 1131.753. Minimum Enrollment

Sec. 1131.753.  MINIMUM ENROLLMENT.  A policy of wholesale, franchise, or employee life insurance must cover at least five employees or members of a labor union or credit union on the date the policy is issued.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 P. Wholesale, Franchise, or Employee Life Insurance Policies: Additional Requirements › Section 1131.755. Individual Application Required

Sec. 1131.755.  INDIVIDUAL APPLICATION REQUIRED.  (a)  An insurer must take an individual application for each policy of wholesale, franchise, or employee life insurance.
(b)  Repealed by Acts 2005, 79th Leg., Ch. 496, Sec. 2(5), eff. June 17, 2005.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
Amended by:
Acts 2005, 79th Leg., Ch. 496 (H.B. 526), Sec. 2(5), eff. June 17, 2005.
2023 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 P. Wholesale, Franchise, or Employee Life Insurance Policies: Additional Requirements › Section 1131.756. Right to Individual Policy on Termination of Employment or Membership

Sec. 1131.756.  RIGHT TO INDIVIDUAL POLICY ON TERMINATION OF EMPLOYMENT OR MEMBERSHIP.  (a)  A policy of wholesale, franchise, or employee life insurance must contain in substance the provisions prescribed by this section.
(b)  The policy must provide that, subject to Subsections (c) and (d), if the insurance on an individual insured under the policy ceases because the individual's employment or membership in the labor or credit union terminates, the individual is entitled to have the insurer issue to the individual an individual life insurance policy without disability or other supplementary benefits.
(c)  An individual policy under this section must be issued without evidence of insurability.
(d)  An individual must apply for an individual policy and pay the first premium to the insurer not later than the 31st day after the date the individual's employment or membership terminates.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 P. Wholesale, Franchise, or Employee Life Insurance Policies: Additional Requirements › Section 1131.757. Optional Policy Provisions

Sec. 1131.757.  OPTIONAL POLICY PROVISIONS.  A policy of wholesale, franchise, or employee life insurance may contain in substance provisions under which:
(1)  the policy is renewable at the option of the insurer only;
(2)  coverage by the insurer terminates on termination of employment or membership by the insured employee or member;  or
(3)  an individual eligible for insurance must furnish evidence of individual insurability satisfactory to the insurer as a condition to coverage.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 P. Wholesale, Franchise, or Employee Life Insurance Policies: Additional Requirements › Section 1131.758. Certain Policies and Plans Unaffected

Sec. 1131.758.  CERTAIN POLICIES AND PLANS UNAFFECTED.  This subchapter does not impair or otherwise affect:
(1)  a policy issued before August 28, 1961;
(2)  a plan of wholesale, franchise, or employee life insurance in effect before August 28, 1961, if the plan was legal on the date policies were issued under the plan;  or
(3)  a policy issued on a salary savings franchise plan, bank deduction plan, pre-authorized check plan, or similar plan of premium collection.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 Q. Extension of Group Life Insurance to Spouses and Children › Section 1131.801. Applicability of Subchapter

Sec. 1131.801.  APPLICABILITY OF SUBCHAPTER.  This subchapter applies to any group life insurance policy issued and delivered under the laws of this state other than a policy issued and delivered to a creditor as provided by Section 1131.057 or other law providing for credit life insurance.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
2023 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 Q. Extension of Group Life Insurance to Spouses and Children › Section 1131.802. Extension of Group Life Insurance to Spouses and Children; Eligible Children

Sec. 1131.802.  EXTENSION OF GROUP LIFE INSURANCE TO SPOUSES AND CHILDREN; ELIGIBLE CHILDREN.  Insurance under a group life insurance policy may be extended to cover:
(1)  the spouse of each individual eligible to be insured under the policy;
(2)  a natural or adopted child of each individual eligible to be insured under the policy if the child is:
(A)  younger than 25 years of age or an older age stated in the policy; or
(B)  physically or mentally disabled and under the parents' supervision; or
(3)  a natural or adopted grandchild of each individual eligible to be insured under the policy if the child is younger than 25 years of age or an older age stated in the policy.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.
Amended by:
Acts 2007, 80th Leg., R.S., Ch. 1243 (H.B. 2549), Sec. 1, eff. September 1, 2007.
Acts 2011, 82nd Leg., R.S., Ch. 1000 (H.B. 2172), Sec. 1, eff. September 1, 2011.