All policy forms, endorsements and rates must be approved by the Commissioner and filed no more than how many days before delivery?

• A. 30 days
• B. 60 days
• C. 90 days
• D. 120 days

Answer: (B)

In Texas, policy forms, endorsements, and rates must go through the Commissioner’s approval and be filed with him in advance of use. The key timing rule sets a maximum lead time of sixty days before delivery, meaning these filings must not be made more than sixty days prior to the policy being delivered to a client. This window gives the Department enough time to review terms for compliance and fairness while allowing insurers to bring their forms into use promptly. The other timeframes aren’t correct because they either shorten the window beyond what's allowed or extend it beyond the statutory limit; the required maximum lead time is sixty days.