Depopulation for Insurers

Notice to Interested Depopulation Insurers: Apply to the Texas Department of Insurance by April 1. Read more.


Participating in the Programs

Authorized by the Texas Legislature in 2015, the two TWIA programs function in the following way: TWIA provides policy data to participating insurers who then make offers to assume TWIA policies. A Texas-authorized insurer must execute a Non-Disclosure Agreement (NDA) and a Participation Agreement to access TWIA policy data and identify policies.

The insurer works with the policyholder’s current agent, either through appointment or a limited servicing agreement, to present offers to the policyholder. A separate Participation Agreement must be made for each depopulation program, and as of the 2017-2018 filing, companies must re-enroll each year. Learn more on insurer requirements for each of the programs: