<?xml version='1.0' encoding='utf-8'?>
<section article="gin" article_name="Insurance" number="16-313" title_number="16" title_name="Life Insurance and Annuities" subtitle_number="3" subtitle_name="Maryland Standard Nonforfeiture Law for Life Insurance">
  <text>This subtitle is the Maryland Standard Nonforfeiture Law for Life Insurance.</text>
</section>
