Adequate proofs of loss must be in the possession of the insurance company at the time its funds are disbursed in payment of claims, except as provided in § 3.6008 of this title (relating to Additional Restrictions on Settlement and Adjustment of Claims). Such proofs of loss shall include data sufficient for the insurer to determine proper amounts of any excess benefit payable to a beneficiary other than the creditor.
28 Tex. Admin. Code § 3.6006