1178 LAWS OF. MARYLAND. [CH. 492

SEC. 89. Inadequate Rates. Whenever the actuary for the
department shall ascertain that any insurance company doing
business in this state is writing and issuing policies upon an
insufficient, insecure or impracticable table of rates, then he
shall report the same to the commissioner, who, upon such
report, shall notify such company so writing or issuing policies
at rates less than are deemed in the opinion of said actuary
adequate for the protection of its contracts made with its policy-
holders, of the fact of such report and advice; and shall there-
upon, if such company shall refuse or neglect to adjust its
rates in accordance with the advice of said actuary, cause an
examination to be made into the affairs of said company, and
if the opinion of said actuary be sustained by the result of
such examination, it shall be the duty of the commissioner to
require said company to cease writing and issuing policies at
rates »c found to be insufficient. If said company continues the
writing and issuing of such policies after notice from the
commissioner, then it shall be the duty of the commissioner to
institute proceedings against said company as provided in sec-
tion 51 of this article.

SEC. 90. Misrepresentation of Policy. No life, health or
accident insurance company, or officer, director, agent, solic-
itor or broker, or any person shall make any misrepresenta-
tion, oral, written or otherwise, to any person for the pur-
pose of inducing or tending to induce such person to take
out a policy of life, health or accident insurance, or for the
purpose of inducing or tending to induce a policyholder in
any company to lapse, forfeit or surrender his insurance
therein, or to refuse to accept a policy issued upon an appli-
cation thereof and to take out a policy of insurance in any
other company.

SEC. 91. Fraud Practiced Against Company. Any agent,
collector, physician, assured or other person who shall make,
present or cause to be presented to any company, including
fraternal beneficiary companies or associations any false, dis-
honest or fraudulent certificate or report of death, sickness
or disability of any kind or nature, or any false, dishonest
or fraudulent claim for any death, sickness or disability
benefit, or claim for payment to or against any such com-
pany; or any agent or collector who shall falsely represent
or pretend to represent any such company, or who shall collect
or attempt to collect any premiums or moneys or do any busi-
ness of insurance without authority of the company for which.