(1) Si se dispusiere en sus artículos de incorporación, el asegurador por acciones o mutualista del país podrá expedir cualquiera o todas sus pólizas con participación, o sin ella, en los beneficios, ahorros o porciones de las primas sin absorber, podrá clasificar pólizas emitidas a base de participación o no participación, y podrá determinar el derecho a participar y la extensión de la participación de cualquier clase o clases de pólizas. Dicha clasificación o determinación deberá ser razonable y no podrá establecer diferencias injustas entre dichas clases o entre los tenedores de pólizas dentro de esa misma clasificación.
(2) Ningún dividendo, de otro modo devengado, podrá condicionarse al pago de prima de renovación sobre ninguna póliza.
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