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TITLE 28INSURANCE
PART 1TEXAS DEPARTMENT OF INSURANCE
CHAPTER 3LIFE, ACCIDENT, AND HEALTH INSURANCE AND ANNUITIES
SUBCHAPTER YSTANDARDS FOR LONG-TERM CARE INSURANCE, NON-PARTNERSHIP AND PARTNERSHIP LONG-TERM CARE INSURANCE COVERAGE UNDER INDIVIDUAL AND GROUP POLICIES AND ANNUITY CONTRACTS, AND LIFE INSURANCE POLICIES THAT PROVIDE LONG-TERM CARE BENEFITS WITHIN THE POLICY
DIVISION 2NON-PARTNERSHIP AND PARTNERSHIP LONG-TERM CARE INSURANCE
RULE §3.3834Organization of Policy Format for Readability
(a) The text of the policy shall be organized so that it follows a logical sequence.

(b) Coverages shall be self-contained and independent.

(c) The use of provisions which refer the reader to another section shall be avoided to the extent possible.

(d) General policy provisions applying to all or several like coverages, such as defined words and terms, shall be located in a common area.

(e) Insurers may utilize a separate definition section for words used throughout the policy. If a separate definition section is used, it shall appear early in the policy format.

(f) Nonessential provisions shall be eliminated.

(g) Captions shall be of type size and style to clearly stand out.

(h) Type size and style must be legible and must comply with the requirements set forth in the Insurance Code §1201.054.

(i) Ample blank space shall separate the policy provisions.

(j) Ample blank space shall appear between the columns of printing and the border of the paper.

(k) A table of contents or index may be utilized to enable the policyholder to readily locate particular provisions.

Source Note: The provisions of this §3.3834 adopted to be effective February 15, 1990, 15 TexReg 544; amended to be effective February 2, 2009, 34 TexReg 599

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