PROHIBITED ACTS

(a) Except as otherwise provided by this subchapter, an insurer, an insurer's employee, or a broker or agent may not knowingly: (1) issue an insurance policy that is not in accordance with an applicable filing; or (2) charge, demand, or receive a premium on an insurance policy that is not in accordance with an applicable filing. (b) Except as provided in an applicable filing, an insurer, an insurer's employee, or a broker or agent may not directly or indirectly pay, allow, or give, or offer to pay, allow, or give, as an inducement to insurance, or after insurance has been written, a rebate, discount, abatement, credit or reduction of the premium stated in an insurance policy, or a special favor or advantage in the dividends or other benefits to accrue on the policy, or any valuable consideration or inducement, not specified in the policy. (c) An insured named in an insurance policy or an employee of an insured may not knowingly receive or accept, directly or indirectly, a rebate, discount, abatement, credit, or reduction of the premium stated in an insurance policy, or a special favor or advantage or valuable consideration or inducement.