Si un contrato de rentas anuales o de seguro dotal puro, que no sea de rentas anuales reversibles, de sobrevivencia, o colectivas, fuere con participación, deberá haber una disposición al efecto de que el asegurador determinará y distribuirá, no más tarde que a la terminación del tercer año póliza, y anualmente después de esa fecha, cualquier excedente divisible acumulado en el contrato.
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