(1) Si se dispusiere en los artículos de incorporación del asegurador, un asegurador por acciones tendrá un gravamen sobre las acciones de un accionista y sobre los dividendos que se acumulen sobre las mismas como garantía para el pago de las obligaciones que dicho accionista adeuda al asegurador.
(2) Si así se dispusiere en la póliza que emita un asegurador mutualista dicho asegurador tendrá un gravamen sobre los dividendos y beneficios pagaderos bajo la póliza, como garantía para el pago de las obligaciones que el miembro tenedor de la póliza adeude al asegurador.
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