# Insurance (GIN)

## Title 17. Group Life Insurance

### Subtitle 3. Group Life Insurance Policy Provisions

#### Section 17-301

(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 Sec.Sec. 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.

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