Under the _____ _________ code, suicide may not be a defense against payment after the second year.

• A. Texas Health
• B. Texas Insurance
• C. Federal Insurance Code
• D. Texas Administrative Code

Answer: (D)

The key idea here is the two-year suicide provision in life insurance and where its regulatory rule lives. In Texas, insurers must follow regulatory standards set by the Texas Department of Insurance, which are written as rules in the Texas Administrative Code. This code specifies how policy provisions like the suicide clause are to be interpreted and enforced.

Under these regulations, if the insured dies by suicide after the policy has been in force for two years, the death benefit must be paid to the beneficiary. The two-year period is the window during which suicide can be a defense to payment; after that period, the policy’s death benefit generally remains payable regardless of suicide.

The other options don’t fit because the question points to regulatory rules for policy provisions, which are found in the Texas Administrative Code rather than in health statutes, the general Texas Insurance Code, or federal codes.