Which items require approval by the Commissioner and filing before delivery or use?

• A. Only rates
• B. Only endorsements
• C. Policy forms, endorsements and rates
• D. Policy forms only

Answer: (C)

In Texas, any policy form, endorsement, or rate used by an insurer must be filed with and approved by the Commissioner before it can be delivered or used. Policy forms are the actual contract language defining coverage, endorsements are changes that modify that coverage, and rates set the price for the policies. Requiring approval and filing for all three protects consumers by ensuring the terms are clear and compliant, the coverage matches what’s offered, and the pricing is fair and non-discriminatory. If you only filed one category, you’d risk using unapproved terms or rates; all three need the same oversight. Thus, policy forms, endorsements, and rates all require approval and filing before use.