1636 LAWS OF MARYLAND. [CH. 904

2. Every such policy, except as hereinafter provided, is-
sued in this State by an insurer authorized to do business in
this State after January 1, 1942 shall contain certain standard
provisions, which shall be in the words and in the order here-
inafter set forth and shall be preceded in every policy by the
caption "Standard Provisions. " In each such standard pro-
vision, and in the optional standard provisions set forth in
sub-section three hereof, wherever the word "insurer" is herein
used, there shall be substituted therefor in the policy the word
"company" or corporation" or "association" or such other
word as will properly designate the insurer issuing such policy.
Such required standard provision shall be as follows:

(a) A standard provision relative to the contract and to
change of occupation which may be in either of the following
two forms, of which Form (D) is to be used in policies which
do not provide for reduction of benefits on account of change
of occupation and Form (E) is to be used in policies which do
so provide; and if Form (E) is used and the policy provides
indemnity against loss from sickness, the words "or contracts
sickness" may be inserted immediately after the words "in the
event that the insured is injured":

(D): 1. This policy includes the endorsements and at-
tached papers, if any, and contains the entire contract of in-
surance. No reduction shall be made in any indemnity herein
provided by reason of change in the occupation of the insured
or by reason of his doing any act or thing pertaining to any
other occupation.

(E): 1. This policy includes the endorsements and at-
tached papers, if any, and contains the entire contract of in-
surance except as it may be modified by the insurer's classifi-
cation of risks and premium rates in the event that the in-
sured is injured after having changed his occupation to one
classified by the insurer as more hazardous than that stated
in the policy, or while he is doing any act or thing pertain-
ing to any occupation so classified, except ordinary duties
about his residence or while engaged in recreation, in which
event the insurer will pay only such portion of the indem-
nities provided in the policy as the premium paid would have
purchased at the rate but within the limits so fixed by the
insurer for such more hazardous occupation.

If the law of the State in which the insured resides at the
time this policy is issued requires that prior to its issue a
statement of the premium rates and classification of risks per-
taining to it shall be filed with the State official having super-
vision of insurance in such State, then the premium rates and
classification of risks mentioned in this policy shall mean only
such as have been last filed by the insurer in accordance with