(1) Los accionistas son los dueños de un asegurador por acciones y tienen derecho de participar en los beneficios del mismo, sujeto a los derechos contractuales de los tenedores de pólizas del asegurador.
(2) Los tenedores de pólizas son los dueños de un asegurador mutualista y tienen derecho de participar en los ahorros y beneficios del mismo, sujetos al contrato y a las clasificaciones razonables que de tiempo en tiempo hiciere la junta de directores del asegurador. Un asegurador mutualista deberá operarse en interés de sus miembros.
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