SUBCHAPTER A GENERAL PROVISIONS
- Texas Section 1131.001 - Definition
In this chapter, "wholesale, franchise, or employee life insurance" means a term life insurance plan under which a number of individual term life insurance policies...
- Texas Section 1131.002 - Certain Group Life Insurance Authorized
A group life insurance policy may be delivered in this state only if the policy: (1) covers a group described by Subchapter B; and (2)...
- Texas Section 1131.003 - Certain Wholesale, Franchise, Or Employee Life Insurance Authorized
A wholesale, franchise, or employee life insurance policy may be issued or delivered in this state only if the policy: (1) covers a group described...
- Texas Section 1131.004 - Forfeiture Of Certificate Of Authority For Unauthorized Group Life Insurance Contract
The certificate of authority to engage in the business of insurance in this state of an insurer that enters into a group life insurance contract...
- Texas Section 1131.005 - Guaranteeing Issuance Of Life Insurance Policy Without Evidence Of Insurability
(a) In this section, "qualified pension or profit-sharing plan" means a plan that meets the requirements of: (1) Section 401 or 403, Internal Revenue Code...
- Texas Section 1131.006 - Assignment Of Benefits
(a) Subject to the terms of a group life insurance policy, an insured under the policy may make to any individual, firm, corporation, association, trust,...
SUBCHAPTER B GROUP AND WHOLESALE, FRANCHISE, OR EMPLOYEE LIFE INSURANCE: ELIGIBLE POLICYHOLDERS
- Texas Section 1131.007 - Policy Form
A policy of group life insurance is subject to Chapter 1701. Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003....
- Texas Section 1131.051 - Employers
(a) A group life insurance policy may be issued to an employer or to trustees of a fund established by an employer to insure the...
- Texas Section 1131.052 - Labor Unions
(a) A group life insurance policy may be issued to a labor union to insure the union's members who are actively engaged in the same...
- Texas Section 1131.053 - Funds Established By Employers Or Labor Unions
(a) A group life insurance policy that insures the employers' employees or the unions' members for the benefit of persons other than the employers or...
- Texas Section 1131.054 - Governmental Entities Or Associations Of Public Employees
(a) In this section, "employee" includes an elected or appointed officer of the state. (b) A group life insurance policy may be issued to a...
- Texas Section 1131.055 - Spouses And Children Of Employees Of United States Government
(a) A group term life insurance policy may be extended, in the form of group term life insurance only, to insure the spouse and natural...
- Texas Section 1131.056 - Principals
(a) In this section, "agent" includes a general agent, subagent, or salesperson. (b) A group life insurance policy may be issued to a principal, or...
- Texas Section 1131.057 - Creditors
(a) A group life insurance policy may be issued to a creditor to insure the creditor's debtors. (b) The creditor is the policyholder under a...
- Texas Section 1131.058 - Veterans' Land Board
(a) A group life insurance policy may be issued to the Veterans' Land Board to insure persons purchasing land under the Veterans' Land Program as...
- Texas Section 1131.059 - Associations Or Trusts For Payment Of Funeral Expenses
A group life insurance policy may be issued to an association or trust for a group of individuals for the payment of future funeral expenses....
- Texas Section 1131.060 - Nonprofit Organizations Or Associations
(a) A group life insurance policy may be issued to a nonprofit service, civic, fraternal, or community organization or association to insure the organization's or...
- Texas Section 1131.064 - Other Groups
(a) A group life insurance policy may be issued to cover a group other than a group described by Sections 1131.051-1131.060 if the commissioner finds...
SUBCHAPTER C GROUP LIFE INSURANCE: REQUIRED PROVISIONS
- Texas Section 1131.065 - Wholesale, Franchise, Or Employee Life Insurance
(a) Policies of wholesale, franchise, or employee life insurance may be issued to: (1) the employees of a common employer or employers; (2) the members...
- Texas Section 1131.101 - Required Provisions
(a) A group life insurance policy may not be delivered in this state unless the policy contains in substance the provisions prescribed by this subchapter...
- Texas Section 1131.102 - Nonforfeiture
(a) A group life insurance policy other than a group term life insurance policy must contain nonforfeiture provisions that, in the commissioner's opinion, are equitable...
- Texas Section 1131.103 - Grace Period
(a) A group life insurance policy must provide that the policyholder or premium payor is entitled to a grace period of 31 days for the...
- Texas Section 1131.104 - Incontestability Of Policy
A group life insurance policy must provide that: (1) the validity of the policy may not be contested, except for nonpayment of premiums, after the...
- Texas Section 1131.105 - Application For Policy; Statements Of Insured
A group life insurance policy must provide that: (1) a copy of any application for the policy by the policyholder must be attached to the...
- Texas Section 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...
- Texas Section 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...
- Texas Section 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:...
- Texas Section 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...
- Texas Section 1131.110 - Right To Individual Policy On Termination Of Employment Or Membership
(a) A group life insurance policy must provide that if any portion of the insurance on an individual insured under the policy ceases because the...
- Texas Section 1131.111 - Right To Individual Policy On Termination Of Coverage Under Group Policy
(a) A group life insurance policy must provide that if the policy terminates or is amended so as to terminate the insurance of a class...
SUBCHAPTER D GROUP LIFE INSURANCE: OPTIONAL PROVISIONS
- Texas Section 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...
SUBCHAPTER E GROUP LIFE INSURANCE POLICIES ISSUED TO EMPLOYERS: ADDITIONAL REQUIREMENTS
- Texas Section 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...
- Texas Section 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....
- Texas Section 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...
- Texas Section 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...
- Texas Section 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,...
SUBCHAPTER F GROUP LIFE INSURANCE POLICIES ISSUED TO FUNDS ESTABLISHED BY EMPLOYERS OR LABOR UNIONS: ADDITIONAL REQUIREMENTS
- Texas Section 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...
- Texas Section 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....
- Texas Section 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...
- Texas Section 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...
- Texas Section 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...
SUBCHAPTER G GROUP LIFE INSURANCE POLICIES ISSUED TO GOVERNMENTAL ENTITIES OR ASSOCIATIONS OF PUBLIC EMPLOYEES: ADDITIONAL REQUIREMENTS
- Texas Section 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...
- Texas Section 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....
- Texas Section 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....
- Texas Section 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...
SUBCHAPTER H GROUP TERM LIFE INSURANCE POLICIES EXTENDED TO SPOUSES AND CHILDREN OF EMPLOYEES OF UNITED STATES: ADDITIONAL REQUIREMENTS
- Texas Section 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...
- Texas Section 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.,...
- Texas Section 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...
- Texas Section 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...
- Texas Section 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,...
SUBCHAPTER I GROUP LIFE INSURANCE POLICIES ISSUED TO PRINCIPALS: ADDITIONAL REQUIREMENTS
- Texas Section 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...
- Texas Section 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....
- Texas Section 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...
- Texas Section 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...
- Texas Section 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...
SUBCHAPTER J GROUP LIFE INSURANCE POLICIES ISSUED TO CREDITORS: ADDITIONAL REQUIREMENTS
- Texas Section 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....
- Texas Section 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....
- Texas Section 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...
- Texas Section 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...
- Texas Section 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.
- Texas Section 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...
- Texas Section 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...
SUBCHAPTER K GROUP LIFE INSURANCE POLICIES ISSUED TO NONPROFIT ORGANIZATIONS OR ASSOCIATIONS: ADDITIONAL REQUIREMENTS
- Texas Section 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.
- Texas Section 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....
- Texas Section 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...
- Texas Section 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...
- Texas Section 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,...
SUBCHAPTER O GROUP LIFE INSURANCE POLICIES ISSUED TO OTHER GROUPS: ADDITIONAL REQUIREMENTS
- Texas Section 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...
- Texas Section 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....
- Texas Section 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...
SUBCHAPTER P WHOLESALE, FRANCHISE, OR EMPLOYEE LIFE INSURANCE POLICIES: ADDITIONAL REQUIREMENTS
- Texas Section 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...
- Texas Section 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.,...
- Texas Section 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...
- Texas Section 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...
- Texas Section 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.,...
- Texas Section 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...
- Texas Section 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...
SUBCHAPTER Q EXTENSION OF GROUP LIFE INSURANCE TO SPOUSES AND CHILDREN
- Texas Section 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...
- Texas Section 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...
- Texas Section 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;...
- Texas Section 1131.803 - Payment Of Premiums
The premium for group life insurance extended to cover a spouse or child may be paid by: (1) the group policyholder; (2) the insured under...
- Texas Section 1131.804 - Amounts Of Insurance
(a) The amounts of insurance under the policy must be based on a plan that precludes individual selection by the insured or the policyholder. (b)...
- Texas Section 1131.805 - Conversion Rights
On termination of group life insurance coverage for a spouse insured under this subchapter because the insured's employment terminates, the insured's eligibility for insurance terminates,...
SUBCHAPTER R CONTINUATION OF CERTAIN GROUP LIFE INSURANCE DURING LABOR DISPUTE
- Texas Section 1131.806 - Certificate Of Insurance
Only one certificate of insurance issued for delivery to an insured is required if the certificate includes a statement concerning any spouse's or child's coverage....
- Texas Section 1131.851 - Applicability Of Subchapter
This subchapter applies only to a group life insurance policy that is delivered or issued for delivery in this state and as to which any...
- Texas Section 1131.852 - Continuation Of Group Life Insurance During Labor Dispute Required For Certain Policies
An insurer may not deliver or issue for delivery a policy subject to this subchapter unless the policy provides that if the employees covered by...
- Texas Section 1131.853 - Contributions If Policyholder Is Trustee
(a) An employee's contribution for purposes of a policy as to which the policyholder is a trustee or the trustees of a fund established or...
- Texas Section 1131.854 - Contributions If Policyholder Is Not Trustee
(a) A policy as to which the policyholder is not a trustee or the trustees of a fund established or maintained in whole or in...
- Texas Section 1131.855 - Payment Of Contribution And Premium
A policy may provide that continuation of coverage for an employee under the policy is contingent on timely payment of: (1) contributions by the employee;...
- Texas Section 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...
- Texas Section 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...
- Texas Section 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...
- Texas Section 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;...
- Texas Section 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,...