West Virginia Code § 33-5-7

Formation of mutuals -- Deposit of premiums; filing of trust agreement;
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issuance and effective date of policies.
(a) All sums collected by a domestic mutual insurer as premiums and fees on qualifying
applications for insurance therein shall be deposited in trust in a West Virginia bank or trust
company under a written trust agreement consistent with this section and with paragraph
(3) of subsection (c) of section six of this article. The corporation shall file ane executed copy
of such trust agreement with the commissioner.
(b) Upon issuance to the insurer of a license as an insurer for the kind of insurance for which
such applications were solicited, all funds so held in trust shall buecome the funds of the
insurer, and the insurer shall forthwith issue and deliver its policies for which premiums had
been paid and accepted. The insurance provided by such polticies shall be effective as of the
date of the license.

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