Texas Insurance Code - INS § 1101.202. Definitions

(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.

(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.

(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.