AUSTIN, Texas - The Texas Supreme Court on May 18 said that because the Texas Department of Insurance did not clearly err in its contention that stop-loss insurance is direct insurance and not reinsurance, it was reversing a lower court's ruling that stop-loss insurance is reinsurance (Texas Department of Insurance, et al. v. American National Insurance Company, et al., No. 10-0374, Texas Sup.; 2012 Tex. LEXIS 420).