1. Nothing in sections 287.930 to 287.975 prohibits or regulates the payment of dividends, savings or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members or subscribers, but in the payment of such dividends there shall be no unfair discrimination between policyholders.

2. A plan for the payment of dividends, savings or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members or subscribers shall not be considered a rating plan or system.

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3. It shall be an unfair trade practice pursuant to sections 375.934 and 375.936 to make the payment of a dividend or any portion thereof conditioned upon renewal of the policy or contract.