2006 LAWS OF MARYLAND [CH. 687

(A policy which contains a cancellation provision may add,
at the end of the above provision, subject to the right of the
insurer to cancel in accordance with the cancellation provision
hereof.

A policy in which the insurer reserves the right to refuse any
renewal shall have, at the beginning of the above provision.
Unless not less than five days prior to the premium due date
the insurer has delivered to the insured or has mailed to his
last address as shown by the records of the insurer written
notice of its intention not to renew this policy beyond the per-
iod for which the premium has been accepted. )

(4) A provision as follows: (Reinstatement. ) If any renewal
premium be not paid within the time granted the insured for
payment, a subsequent acceptance of premium by the insurer or
by any agent duly authorized by the insurer to accept such
premium, without requiring in connection therewith an appli-
cation for reinstatement, shall reinstate the policy; provided,
however, that if the insurer or such agent requires an applica-
tion for reinstatement and issues a conditional receipt for the
premium tendered, the policy will be reinstated upon approval
of such application by the insurer or, lacking such approval,
upon the forty-fifth day following the date of such conditional
receipt unless the insurer has previously notified the insured in
writing of its disapproval of such application. The reinstated
policy shall cover only loss resulting from such accidental in-
jury as may be sustained after the date of reinstatement and
loss due to such sickness as may begin more than ten days after
such date. In all other respects the insured and insurer shall
have the same rights thereunder as they had under the policy
immediately before the due date of the defaulted premium, sub-
ject to any provisions endorsed hereon or attached hereto in
connection with the reinstatement. Any premium accepted in
connection with a reinstatement shall be applied to a period for
which premium has not been previously paid, but not to any
period more than sixty days prior to the date of reinstatement.

(The last sentence of the above provision may be omitted
from any policy which the insured has the right to continue in
force subject to its terms by the timely payment of premiums
(1) until at least age 50 or, (2) in the case of a policy issued
after age 44, for at least five years from its date of issue. )

(5) A provision as follows: (Notice of Claim. ) Written
notice of claim must be given to the insurer within twenty days
after the occurrence or commencement of any loss covered by
the policy, or as soon thereafter as is reasonably possible.
Notice given by or on behalf of the insured or the beneficiary to
the insurer at................................ (insert the location of such

office as the insurer may designate for the purpose), or to any