# Insurance (GIN)

## Title 8. Entities That Act as Insurers

### Subtitle 4. Fraternal Benefit Societies

#### Section 8-421

(a)

  (1) A society may admit to membership an individual who:

    (i) is older than 14 1/2 years old; and

    (ii) gives the society evidence of insurability acceptable to the society.

  (2) A minor who is admitted to the society is:

    (i) bound by the terms of the application and certificate and by the laws and rules of the society; and

    (ii) entitled to the rights and privileges of membership as though the individual were an adult at the time of application.

(b) A society also may admit general or social members who do not have a voice or vote in the management of the society's insurance affairs.

(c) The members of a grand, supreme, or subordinate lodge or branch of a society are not personally liable for payment of a benefit provided by the society.

(d) A society shall specify in its laws or rules the rights and privileges of each membership class.

(e) Membership rights in a society are personal to the member and not assignable.

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