ART. 23] MISREPRESENTATION—INSURANCE BROKER. 623

therein contained, no misrepresentation or untrue statement in
such application, made in good faith by the applicant, shall
effect a forfeiture or be a ground of defense in any suit brought
upon any policy of insurance issued upon the faith of such
application, unless such misrepresentation or untrue statement
relate to some matter material to the risk.
Md. Casualty Co. v. Gehmand, 96 Md. 647, 651.

1894, ch. 266, sec. 142s.

197. Whenever it shall be made to appear that a wrong age
nas been given in good faith in any application for a policy of
life insurance the company shall not be required to pay the
face value of the policy, but such sum as the premium paid
would have purchased at the applicant's real age at the time of
effecting the insurance. This and the preceding, section shall
not affect the rights of parties to actions or suits pending on
April 6, 1894.

1892, ch. 537. 1894, ch. 473, sec. 143.*

198. Every insurance company doing business in any of the
counties of this State shall, during the month of April of each
and every year, publish in at least one newspaper published in
each of said counties, for three consecutive weeks, an abstract
of the annual statement as required by this article; provided
that such publication shall not be required of mutual insurance
companies formed under any general or special law of this
State which annually send a full and detailed statement of the
affairs and business of said companies to all of their respective
policy holders and to the State insurance commissioner.

Insurance Broker.

1894, ch. 377. 1900, ch. 740, sec. 143 A.

199. All licenses for the purpose of conducting the occupa-
tion or business of an insurance broker shall be granted by the
insurance commissioner of the State of Maryland, and all such
licenses granted by said commissioner shall expire on the first
day of May thereafter. Whoever, for compensation, acts or
aids in any manner in negotiating contracts of insurance or
re-insurance, or placing risks or effecting insurance or re-insur-
ance for a person other than himself, and not being duly
appointed solicitor, agent or officer of the company in which
such insurance or reinsurance is effected, shall be deemed an
insurance broker within the meaning of this article.

* Should have been called 142 C.