358 LAWS OF MARYLAND. [CH. 195

any person performing the duties of an assigned classifica-
tion, for five (5) consecutive years be considered a fully
classified employee.

(Vetoed. )

CHAPTER 196.

AN ACT to add four new sections to Article 48A of the An-
notated Code of Maryland (1935 Supplement), title "Insur-
ance", sub-title "Life, Accident and Health Insurance", said
new sections to follow immediately after Section 98A, and
to be known as Sections 98B, 98C, 98D and 98E, providing
for certain conditions and restrictions in industrial life in-
surance policies for the protection of the insured.

SECTION 1. Be it enacted by the General Assembly of Mary-
land, That four new sections be and they are hereby added to
Article 48A of the Annotated Code of Maryland (1935 Sup-
plement), title "Insurance", sub-title "Life, Accident and
Health Insurance", said new sections to be known as Sections
98B, 98C, 98D and 98E, to follow immediately after Section
98A of said Article, and to read as follows:

98B. No policy of industrial life insurance, excepting poli-
cies under which more than one-half the net premium is
charged for weekly disability benefits, shall be issued or de-
livered in the State of Maryland, or shall be issued by a life
insurance company organized under the laws of Maryland,
after the first day of January, 1938, unless the same shall con-
tain in substance the following:

(A) A provision that all premiums shall be payable in ad-
vance, either at the office of the Company or to a duly author-
ized agent of the Company.

(B) A provision that the insured is entitled to a grace
period of at least thirty days, or one month, or twenty-eight
days, or four weeks of 28 days, in which payment of any
premium after the first weekly or monthly premiums may be
made, during which period of grace the policy shall continue
in force, but in case the policy becomes a claim during the said
period of grace before the overdue premium or deferred prem-
ium of the current premium period, if any, is paid, the amount
of such premium or any overdue premiums, may be deducted
from the amount payable under the policy in settlement.

(C) A provision that the policy shall constitute the entire
contract between the parties, or a provision that the policy