Which items must be approved by the Commissioner and filed no more than 60 days before the date of delivery or use?

Which items must be approved by the Commissioner and filed no more than 60 days before the date of delivery or use?

• A. Claims history and underwriting guidelines
• B. Agent licensing records
• C. Marketing materials
• D. Policy forms, endorsements and rates

Answer: (D)

Policy forms, endorsements, and rates must be approved by the Commissioner and filed no more than 60 days before they are delivered or put into use. This requirement ensures that the actual terms and pricing of coverage comply with Texas law and aren’t misleading to consumers, giving the regulator a chance to review changes before they impact policyholders. The 60-day window provides a critical review period so adjustments can be identified and addressed. Other items like claims history and underwriting guidelines are internal operating documents and aren’t submitted to the Commissioner for pre-approval before use. Marketing materials are governed by advertising rules, but they aren’t required to be filed for approval prior to use.

Policy forms, endorsements, and rates must be approved by the Commissioner and filed no more than 60 days before they are delivered or put into use. This requirement ensures that the actual terms and pricing of coverage comply with Texas law and aren’t misleading to consumers, giving the regulator a chance to review changes before they impact policyholders. The 60-day window provides a critical review period so adjustments can be identified and addressed.

Other items like claims history and underwriting guidelines are internal operating documents and aren’t submitted to the Commissioner for pre-approval before use. Marketing materials are governed by advertising rules, but they aren’t required to be filed for approval prior to use.