Texas’ insurance commissioner has issued a prohibition on discretionary clauses in all insurance policies in the state, saying they are “unjust, encourage misrepresentation and are deceptive.”

An occupationally disabled woman suffering from severe back injury has filed a class-action suit against Sun Life Financial Assurance Company of Canada, claiming that Sun Life violated insurance reforms issued by Michigan’s insurance commissioner regarding disability insurance contracts.

Texas’ insurance commissioner is considering a rule to prohibit the use of discretionary clauses in life, accident and health insurance policy forms that allow insurers to determine what to pay to its customers.