Except as provided by this subchapter, with respect to business written in this state:
(1) an insurer may not discriminate or make a distinction, or permit discrimination or a distinction to be made, among insureds having like hazards with respect to premiums charged for, or dividends or other benefits payable under, an insurance policy;
(2) an insurer or an insurer’s agent may not make an insurance contract or an agreement relating to that insurance, other than as expressed in the policy; and
(3) an insurer or an insurer’s agent or other representative may not directly or indirectly pay, allow, or give, or offer to pay, allow, or give, as an inducement to the insured, a rebate payable on the policy or a special favor or advantage in the dividends or other benefits to accrue, or anything of value, not specified in the policy.