Sec. 1106.003.  MENTAL INCAPACITY DEFINED.  In this chapter, "mental incapacity" means a lack of the ability to:
(1)  understand and appreciate the nature and consequences of a decision regarding the failure to pay a premium when due;  and
(2)  reach an informed decision in the matter.
Added by Acts 2001, 77th Leg., ch. 1419, Sec. 2, eff. June 1, 2003.