Texas Insurance Code - INS § 1806.055. Profit Sharing Authorized;  Certain Prohibitions

(1) the insurer shares profits uniformly among those insured under the policy;  and

(2) the insurer distributes earnings equitably among those insureds under the terms of the policy.

(1) discriminate in the distribution of profits among insureds of the same class;

(2) distribute the profit to an insured before the expiration of the policy;  or

(3) establish a class of insureds for the distribution of profits, except on the commissioner's approval.