{"data":{"id":"us-tx/tex.-insurance-code-1101.202","jurisdiction":"us-tx","citation":"Tex. Insurance Code § 1101.202","heading":"DEFINITIONS.","body":"In this subchapter:\n(1) \"Adverse change\" means a change by an insurer in the insurer's current scale of charges applied to a policy that increases a premium or charge to a policy owner.\n(2) \"Current scale of charges\" means the scale or schedule of non-guaranteed charges in effect for a policy during the period of time immediately before an adverse change to the policy.\n(3) \"Non-guaranteed charges\" means the scale or schedule of charges in a policy provision at the time the policy was issued that may be changed at the insurer's discretion without the consent or request of the policy owner. The term does not include a policy loan interest rate charged on a policy loan.\nAdded by Acts 2019, 86th Leg., R.S., Ch. 1026 (H.B. 207), Sec. 1, eff. September 1, 2019.","path":["INSURANCE CODE","TITLE 7. LIFE INSURANCE AND ANNUITIES","SUBTITLE A. LIFE INSURANCE IN GENERAL","CHAPTER 1101. LIFE INSURANCE","SUBCHAPTER E. DISCLOSURES AND NOTICES RELATING TO LIFE INSURANCE POLICIES WITH NON-GUARANTEED CHARGES"],"source_url":"https://statutes.capitol.texas.gov/Docs/IN/htm/IN.1101.htm#1101.202","current_through":"89th 2nd Called Legislative Session, 2025","vintage":"","retrieved_at":"2026-08-27T01:47:21Z","sha256":"edd2d07cfe162c02341f7b57497ceb477a835880e481ba4f75b12d9e1d7e54bd","source_id":"us-tx","stale":false,"prev":"us-tx/tex.-insurance-code-1101.201","next":"us-tx/tex.-insurance-code-1101.203"},"notice":"GroundRules: Original legal text. Not legal advice."}