# Insurance (GIN)

## Title 16. Life Insurance and Annuities

### Subtitle 2. Life Insurance Policy Provisions

#### Section 16-216

(a) Subject to subsection (b) of this section, a policy of life insurance may not contain:

  (1) a provision that the insurer may reduce or deny liability under the policy because the insured has previously obtained other insurance from the same insurer;

  (2) a provision that gives the insurer the right to declare the policy void because the insured has had a disease or ailment, whether specified or not, or has received institutional, hospital, medical, or surgical treatment or attention; or

  (3) a provision that gives the insurer the right to declare the policy void because the insured has been rejected for insurance, unless the right is conditioned on a showing by the insurer that knowledge of the rejection would have led to a refusal by the insurer to issue the policy.

(b) Subsection (a)(2) of this section does not prohibit a policy provision that gives the insurer the right to declare the policy void if:

  (1) the insured has received institutional, hospital, medical, or surgical treatment or attention within 2 years before the policy was issued; and

  (2) the insured or a claimant under the policy fails to show that the condition occasioning the treatment or attention was not serious or was not material to the risk.

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Md. Code Ann., Ins. (as displayed at mgaleg.maryland.gov, October 16, 2026)