reglab/housing_qa huggingface dataset:
MD. Insurance Code Ann. §  17-203 (2021)
2021 Maryland Statutes|Insurance|Title 17 - Group Life Insurance|Subtitle 2 - Group Policy Requirements|Section 17-203 - Employer or Labor Union Trustees

    (a)    Subject to the requirements of this section, a policy may be issued to a trust or to the trustees of a fund established or adopted by two or more employers, or by one or more labor unions or similar employee organizations, or by one or more employers and one or more labor unions or similar employee organizations, which trust or trustees shall be deemed the policyholder, to insure employees of the employers or members of the unions or organizations for the benefit of persons other than the employers or the unions or organizations.    (b)    (1)    The persons eligible for insurance shall be all of the employees of the employers or all of the members of the unions or organizations, or all of any class or classes of employees or members.        (2)    The policy may provide that the term “employees” shall include:            (i)    the employees of one or more subsidiary corporations, and the employees, individual proprietors, and partners of one or more affiliated corporations, proprietorships, or partnerships if the business of the employer and of the affiliated corporations, proprietorships, or partnerships is under common control;            (ii)    the individual proprietor or partners if the employer is an individual proprietorship or partnership;            (iii)    retired employees, former employees, and directors of a corporate employer; and            (iv)    trustees or their employees, or both, if their duties are principally connected with the trusteeship.    (c)    (1)    The premium for the policy shall be paid from funds contributed by the employer or employers of the insured persons, or by the union or unions or similar employee organizations, or by both, or from funds contributed by the insured persons or from both the insured persons and the employers or unions or similar employee organizations.        (2)    Except as provided in paragraph (3) of this subsection, a policy on which no part of the premium is to be derived from funds contributed by the insured persons specifically for their insurance must insure all eligible persons, except those who reject the coverage in writing.        (3)    An insurer may exclude or limit the coverage on any person as to whom evidence of individual insurability is not satisfactory to the insurer.
MD. Insurance Code Ann. §  17-204 (2021)
2021 Maryland Statutes|Insurance|Title 17 - Group Life Insurance|Subtitle 2 - Group Policy Requirements|Section 17-204 - Professional Association Trustees

    (a)    (1)    Subject to the requirements of this section, a policy may be issued to an association or to a trust or to the trustees of a fund established, created, or maintained for the benefit of members of one or more associations.        (2)    The association or associations:            (i)    shall have at the outset a minimum of 100 persons;            (ii)    shall have been organized and maintained in good faith for purposes other than that of obtaining insurance;            (iii)    shall have been in active existence for at least 2 years; and            (iv)    shall have a constitution and bylaws that provide that:                1.    the association or associations hold regular meetings not less than annually to further purposes of the members;                2.    except for credit unions, the association or associations collect dues or solicit contributions from members; and                3.    the members have voting privileges and representation on the governing board and committees.    (b)    The policy may insure members of the association or associations, employees of the association or associations, or employees of members, or one or more of the preceding or all of any class or classes of members or employees for the benefit of persons other than the employee’s employer.    (c)    (1)    The premium for the policy shall be paid from funds contributed by the association or associations, or by employer members, or by both, or from funds contributed by the covered persons or from both the covered persons and the association, associations, or employer members.        (2)    Except as provided in paragraph (3) of this subsection, a policy on which no part of the premium is to be derived from funds contributed by the covered persons specifically for the insurance must insure all eligible persons, except those who reject the coverage in writing.        (3)    An insurer may exclude or limit the coverage on any person as to whom evidence of individual insurability is not satisfactory to the insurer.
MD. Insurance Code Ann. §  17-205 (2021)
2021 Maryland Statutes|Insurance|Title 17 - Group Life Insurance|Subtitle 2 - Group Policy Requirements|Section 17-205 - Public Employers or Public Employees Associations

    (a)    (1)    In this section the following words have the meanings indicated.        (2)    “Public employees association” means an association of federal, State, county, or municipal corporation employees.        (3)    “Public employer” means a county, municipal corporation, association of counties or municipal corporations, State college or university, or unit of State, county, or municipal corporation government.    (b)    (1)    Subject to the requirements of this section, the lives of a group of individuals may be insured under a policy issued to a public employer or public employees association to cover employees of the public employer or members of the public employees association for the benefit of persons other than the public employer or public employees association.        (2)    The public employer or public employees association to which the policy is issued is deemed the policyholder.    (c)    (1)    All employees of the public employer, all members of the public employees association, or all of any class or classes of employees or members determined by conditions pertaining to their employment or membership in the public employees association or both are eligible for insurance under a policy issued in accordance with this section.        (2)    A policy issued to insure employees of a public employer may provide that the term “employee” includes:            (i)    a retired employee; and            (ii)    an elected or appointed official.    (d)    (1)    The premium for the policy shall be paid from funds contributed by the public employer or public employees association, or by both, or from funds contributed by the covered persons or from both the covered persons and the public employer or public employees association.        (2)    Except as provided in paragraph (3) of this subsection, a policy on which no part of the premium is to be derived from funds contributed by the covered persons specifically for the insurance must insure all eligible persons, except those who reject the coverage in writing.        (3)    An insurer may exclude or limit the coverage on any person as to whom evidence of individual insurability is not satisfactory to the insurer.        (4)    A public employer may require written authorization from an employee to deduct from the employee’s salary the required contributions for the premium.
MD. Insurance Code Ann. §  17-206 (2021)
2021 Maryland Statutes|Insurance|Title 17 - Group Life Insurance|Subtitle 2 - Group Policy Requirements|Section 17-206 - Creditors

    (a)    Subject to the requirements of this section, a policy may be issued to a creditor or its parent holding company or to a trustee or trustees or agent designated by two or more creditors, which creditor, holding company, affiliate, trustee, trustees, or agent shall be deemed the policyholder, to insure debtors of the creditor, or creditors.    (b)    (1)    The debtors eligible for insurance under the policy shall be all of the debtors of the creditor or creditors, or all of any class or classes of debtors.        (2)    The policy may provide that the term “debtors” shall include:            (i)    borrowers of money or purchasers or lessees of goods, services, or property for which payment is arranged through a credit transaction;            (ii)    the debtors of one or more subsidiary corporations; and            (iii)    the debtors of one or more affiliated corporations, proprietorships, or partnerships if the business of the policyholder and of the affiliated corporations, proprietorships, or partnerships is under common control.    (c)    (1)    The premium for the policy shall be paid either from the creditor’s funds, or from charges collected from the insured debtors, or from both.        (2)    Except as provided in paragraph (3) of this subsection, a policy on which no part of the premium is to be derived from the funds contributed by insured debtors specifically for their insurance must insure all eligible debtors.        (3)    An insurer may exclude any debtors as to whom evidence of individual insurability is not satisfactory to the insurer.    (d)    (1)    The amount of insurance on the life of any debtor shall at no time exceed the greater of the scheduled or actual amount of unpaid indebtedness to the creditor.        (2)    (i)    The insurance may be payable to the creditor or any successor to the right, title, and interest of the creditor.            (ii)    The payment shall reduce or extinguish the unpaid indebtedness of the debtor to the extent of the payment and any excess of the insurance shall be payable to the beneficiary named by the insured other than the creditor or to the estate of the insured.        (3)    Notwithstanding the provisions of paragraphs (1) and (2) of this subsection:            (i)    insurance on agricultural credit transaction commitments not exceeding a term of 1 year may be written up to the amount of the loan commitment on a nondecreasing or level term plan; and            (ii)    insurance on educational credit transaction commitments may be written up to the amount of the loan commitment less the amount of any repayments made on the loan.
MD. Insurance Code Ann. §  17-207 (2021)
2021 Maryland Statutes|Insurance|Title 17 - Group Life Insurance|Subtitle 2 - Group Policy Requirements|Section 17-207 - Credit Unions

    (a)    (1)    Subject to the requirements of this section, the lives of a group of individuals may be insured under a policy issued to a credit union organized in accordance with State law or the Federal Credit Union Act to cover members of the credit union for the benefit of persons other than the credit union or its officials.        (2)    The credit union to which the policy is issued is deemed the policyholder.    (b)    All members of the credit union, or all of any class or classes of members determined by conditions pertaining to their age or membership in the credit union or both, are eligible for insurance under a policy issued in accordance with this section.    (c)    (1)    The premiums for the policy shall be paid from funds contributed by the credit union or insured members, or by both.        (2)    Except as provided in paragraph (3) of this subsection, a policy on which no part of the premium is to be derived from funds contributed by the insured member for the insurer must insure all eligible persons, except those who reject the coverage in writing.        (3)    An insurer may exclude or limit the coverage on any persons as to whom evidence of individual insurability is not satisfactory to the insurer.
MD. Insurance Code Ann. §  17-208 (2021)
2021 Maryland Statutes|Insurance|Title 17 - Group Life Insurance|Subtitle 2 - Group Policy Requirements|Section 17-208 - Volunteer Fire, Rescue Squad, or Ambulance Service Organizations

    (a)    (1)    Subject to the requirements of this section, the lives of a group of individuals may be insured under a policy issued to a volunteer fire, rescue squad, or ambulance service organization to cover the registered members of the organization for the benefit of persons other than the organization.        (2)    The volunteer fire, rescue squad, or ambulance service organization to which the policy is issued is deemed the policyholder.    (b)    All registered members of a volunteer fire, rescue squad, or ambulance service organization are eligible for insurance under a policy issued in accordance with this section.    (c)    (1)    The premiums for the policy shall be paid from funds contributed by the volunteer fire, rescue squad, or ambulance service organization or funds contributed by the insured members or from both.        (2)    Except as provided in paragraph (3) of this subsection, a policy on which no part of the premium is to be derived from funds contributed by the insured member specifically for the insurance must insure all eligible persons, except those who reject the coverage in writing.        (3)    An insurer may exclude or limit the coverage on any person as to whom evidence of individual insurability is not satisfactory to the insurer.
MD. Insurance Code Ann. §  17-209 (2021)
2021 Maryland Statutes|Insurance|Title 17 - Group Life Insurance|Subtitle 2 - Group Policy Requirements|Section 17-209 - Insurance on Spouse or Child of Employee or Member

    (a)    (1)    Insurance under a policy of group life insurance issued in accordance with §§ 17–201 through 17–205 of this subtitle may be extended to cover the spouse, domestic partner, or dependent children of each insured employee or member who elects to obtain the coverage.        (2)    The policy may provide that the term “dependent children” includes:            (i)    an insured employee’s or member’s child under 18 years of age; and            (ii)    an insured employee’s or member’s child 18 years of age or older who attends an educational institution and relies on the insured employee or member for financial support.        (3)    The term “domestic partner” has the meaning stated in the policy.        (4)    The insurance on the life of a spouse, domestic partner, or child may not exceed the amount of the insurance on the life of the insured employee or member.    (b)    The policyholder shall pay the premium for the insurance on the spouse, domestic partner, or child:        (1)    wholly from the funds of the policyholder or funds contributed by the policyholder;        (2)    wholly from funds contributed by the insured employees or members; or        (3)    partly from the funds of the policyholder or funds contributed by the policyholder and partly from funds contributed by the insured employees or members.    (c)    A spouse, domestic partner, or dependent child insured under this section is entitled to:        (1)    the rights of conversion under § 17–309 of this title, if employment of the employee or membership in the class or classes eligible for insurance under the policy is terminated; and        (2)    the rights of conversion under § 17–310 of this title, if the policy of group life insurance terminates or is amended to terminate the insurance of the spouse, domestic partner, or dependent child.    (d)    Notwithstanding § 17–308 of this title, only one certificate must be issued for each family unit if a statement about a dependent’s coverage is included in the certificate.
MD. Insurance Code Ann. §  17-301 (2021)
2021 Maryland Statutes|Insurance|Title 17 - Group Life Insurance|Subtitle 3 - Group Life Insurance Policy Provisions|Section 17-301 - Standard Provisions Required; Exceptions

    (a)    Except as provided in subsection (b) of this section, a policy of group life insurance may not be delivered in the State unless it contains in substance:        (1)    the provisions of §§ 17-302 through 17-311 of this subtitle; or        (2)    provisions that in the opinion of the Commissioner are:            (i)    more favorable to the insureds; or            (ii)    at least as favorable to the insureds and more favorable to the policyholder.    (b)    (1)    Sections 17-307 through 17-311 of this subtitle do not apply to policies issued to a creditor to insure debtors of the creditor.        (2)    The standard provisions required for individual life insurance policies do not apply to policies of group life insurance.        (3)    If a policy of group life insurance is on a plan other than the term plan, the policy:            (i)    shall contain a nonforfeiture provision that in the opinion of the Commissioner is equitable to the insured and the policyholder; but            (ii)    need not contain the same nonforfeiture provisions required for individual life insurance policies.
MD. Insurance Code Ann. §  17-302 (2021)
2021 Maryland Statutes|Insurance|Title 17 - Group Life Insurance|Subtitle 3 - Group Life Insurance Policy Provisions|Section 17-302 - Grace Period

    (a)    Each policy of group life insurance shall contain a provision that the policyholder is entitled to a grace period of 31 days for payment of any premium due except the first premium.    (b)    The death benefit coverage continues in force during the grace period unless the policyholder has given the insurer written notice of discontinuance before the date of discontinuance and in accordance with the terms of the policy.    (c)    The policy may provide that the policyholder is liable to the insurer for paying a pro rata premium for the time the policy was in force during the grace period.
MD. Insurance Code Ann. §  17-303 (2021)
2021 Maryland Statutes|Insurance|Title 17 - Group Life Insurance|Subtitle 3 - Group Life Insurance Policy Provisions|Section 17-303 - Incontestability

    Each policy of group life insurance shall contain a provision that:         (1)    the policy is incontestable, except for nonpayment of premiums, after the policy has been in force for 2 years after its date of issue; and        (2)    a statement made by an insured under the policy about insurability may not be used to contest the validity of the insurance as to which the statement was made unless:            (i)    the insurance has been in force before the contest for less than 2 years during the insured’s lifetime; and            (ii)    the statement is in writing and signed by the insured.
MD. Insurance Code Ann. §  17-304 (2021)
2021 Maryland Statutes|Insurance|Title 17 - Group Life Insurance|Subtitle 3 - Group Life Insurance Policy Provisions|Section 17-304 - Copy of Application Attached to Policy; Effect of Statements

    Each policy of group life insurance shall contain a provision that:         (1)    requires a copy of any application of the policyholder to be attached to the policy when issued;        (2)    the statements made by the policyholder or the insured are considered representations and not warranties; and        (3)    a statement made by an insured may not be used in a contest unless a copy of the instrument that contains the statement is provided to the insured or, in the event of death or incapacity of the insured, to the insured’s beneficiary.
MD. Insurance Code Ann. §  17-305 (2021)
2021 Maryland Statutes|Insurance|Title 17 - Group Life Insurance|Subtitle 3 - Group Life Insurance Policy Provisions|Section 17-305 - Evidence of Individual Insurability

    Each policy of group life insurance shall contain a provision that sets forth any conditions under which the insurer reserves the right to require an individual eligible for insurance to provide evidence of individual insurability satisfactory to the insurer as a condition to part or all of the coverage.
MD. Insurance Code Ann. §  17-306 (2021)
2021 Maryland Statutes|Insurance|Title 17 - Group Life Insurance|Subtitle 3 - Group Life Insurance Policy Provisions|Section 17-306 - Misstatement of Age

    Each policy of group life insurance shall contain a provision that:         (1)    specifies that an equitable adjustment of premiums or benefits or both will be made if the age of an insured is misstated; and        (2)    clearly states the method of adjustment to be used.
MD. Insurance Code Ann. §  17-307 (2021)
2021 Maryland Statutes|Insurance|Title 17 - Group Life Insurance|Subtitle 3 - Group Life Insurance Policy Provisions|Section 17-307 - Payment of Benefits

    Each policy of group life insurance shall contain a provision that any sum due because of the death of the insured is payable to the beneficiary designated by the insured, subject to:         (1)    the provisions of the policy as to payment of all or part of the sum if a designated beneficiary is not alive at the death of the insured; and        (2)    any right that the insurer reserves in the policy and sets forth in the certificate to pay at its option a part of the sum, not exceeding $2,500, to a person that the insurer considers equitably entitled to it for having incurred funeral or other expenses incident to the insured’s death or last illness.
MD. Insurance Code Ann. §  17-308 (2021)
2021 Maryland Statutes|Insurance|Title 17 - Group Life Insurance|Subtitle 3 - Group Life Insurance Policy Provisions|Section 17-308 - Individual Certificates

    Each policy of group life insurance shall contain a provision that requires the insurer to issue to the policyholder, for delivery to each insured, an individual certificate that states:        (1)    the insurance protection to which the insured is entitled;        (2)    each person to whom the insurance benefits are payable; and        (3)    the rights and conditions set forth in § 17–102 of this title and §§ 17–309 through 17–311 of this subtitle.