Key Western Life Insurance Company, Appellant v. State Board of Insurance, Appellees

Summary

The Texas Supreme Court reversed the district court and remanded, holding that the statutory scheme providing for a trial de novo review of the State Board of Insurance’s disapproval of a policy form is constitutional and must be applied, that the Board’s function is quasi‑judicial, that the single‑subject requirement of the constitutional title is satisfied, and that the Commissioner’s interpretation of the policy provision is correct. The Court also affirmed the constitutionality of the statutory delegation and clarified the standard of review. Justice Griffin dissented, arguing the matter is administrative, while Justice Greenhill, joined by Justice Culver, concurred in the de novo result but cautioned against striking down the policy itself.