HERBERT R. O'CONOR, GOVERNOR. 1637

such law, but if such filing is not required by such law then
they shall mean the insurer's premium rates and classification
of risks last made effective by it in such State prior to the oc-
currence of the loss for which the insurer is liable.

(b) A standard provision relative to changes in the contract
which shall be in the following form:

2. No statement made by the applicant for insurance not
included herein shall avoid the policy or be used in any legal
proceeding hereunder. No agent has authority to change this
policy or to waive any of its provisions. No change in this
policy shall be valid unless approved by an executive officer
of the insurer and such approval be endorsed hereon.

(c) A standard provision relative to reinstatement of the
policy after a lapse which may be in either of the three fol-
lowing forms:

(A): 3. If default be made in the payment of the agreed
premium for this policy, the subsequent acceptance of a pre-
mium by the insurer or by any of its duly authorized agents
shall reinstate the policy, but only to cover loss resulting
from accidental injury thereafter sustained.

(B): 3. If default be made in the payment of the agreed
premium for this policy, the subsequent acceptance of a pre-
mium by the insurer or by any of its duly authorized agents
shall reinstate the policy, but only to cover such sickness as
may begin more than ten days after the date of such ac-
ceptance.

(O): 3. If default be made in the payment of the agreed
premium for this policy, the subsequent acceptance of a pre-
mium by the insurer or by any of its duly authorized agents
shall reinstate the policy but only to cover accidental injury
. thereafter sustained and such sickness as may begin more
than ten days after the date of such acceptance.

(d) A standard provision relative to time of notice of claim
which may be in either of the three following forms:

(A): 4. Written notice of injury on which claim may be
based must be given to the insurer within twenty days after
the date of the accident causing such injury.

(B): 4. Written notice of sickness on which claim may
be based must be given to the insurer within ten days after
the commencement of the disability from such sickness.

(C): 4. Written notice of injury or of sickness on which
claim may be based must be given to the insurer within
twenty days after the date of the accident causing such in-
jury or within ten days after the commencement of disability
from such sickness.