28 Tex. Admin. Code § 4.620 - Backdating Policies
(a) The policy must not
contain a provision by which it is issued or takes effect more than six months
before the original application for the insurance was made, if the insured
would rate at an age younger than their age at the date when the application
was made, according to their age at the nearest birthday.
(b) The restrictions against backdating are
not violated by the exercise of conversion privileges contained in the original
policy and that relate back to the original issue date of the policy, even
though the conversion privilege by its terms is such that the amount of
insurance at the conversion may exceed what was in force before
conversion.
Notes
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