(a) Any provision by which the insurer undertakes to pay specific amounts will be treated as definite contract benefits and valued in accordance with Insurance Code §841.253, concerning Life Insurance Company's Payment of Dividends.(b) Any policy that contains a provision promising to pay "dividends" from specified sources must clearly state that the payment of such dividends must be made from profits or expense loading.(c) Any policy that provides for the payment of dividends, coupon benefits, or other guaranteed returns must specify the disposition that will be made of such accumulations if no option is exercised by the policyholder either on their maturity or in the event of default in premium payments. Acceptable dispositions are that they be:(1) applied to the purchase of additional insurance;(2) left to accumulate at interest;(3) withdrawn in cash; or(4) applied to the payment of premiums.