2008 LAWS OF MARYLAND [CH. 687

ties for loss for which this policy provides periodic payment
will be paid.................... (insert period for payment

which must not be less frequently than monthly) and any
balance remaining unpaid upon the termination of liability
will be paid immediately upon receipt of due written proof.

(9) A provision as follows: (Payment of Claims. ) Indem-
nity for loss of life will be payable in accordance with the bene-
ficiary designation and the provisions respecting such payment
which may be prescribed herein and effective at the time of pay-
ment. If no such designation or provision is then effective, such
indemnity shall be payable to the estate of the insured. Any
other accrued indemnities unpaid at the insured's death may,
at the option of the insurer, be paid either to such beneficiary
or to such estate. All other indemnities will be payable to the
insured.

(The following provisions, or either of them, may be included
with the foregoing provision at the option of the insurer:

If any indemnity of this policy shall be payable to the estate
of the insured, or to an insured or beneficiary who is a minor
or otherwise not competent to give a valid release, the insurer
may pay such indemnity, up to an amount not exceeding $....
(insert an amount which shall not exceed $1000), to any rela-
tive by blood or connection by marriage of the insured or bene-
ficiary who is deemed by the insurer to be equitably entitled
thereto. Any payment made by the insurer in good faith pur-
suant to this provision shall fully discharge the insurer to the
extent of such payment.

Subject to any written direction of the insured in the appli-
cation or otherwise all or a portion of any indemnities pro-
vided by this policy on account of hospital, nursing, medical,
or surgical services may, at the insurer's option and unless the
insured requests otherwise in writing not later than the time of
filing proof of such loss, be paid directly to the hospital or per-
son rendering such services; but it is not required that the
service be rendered by a particular hospital or person. )

(10) A provision as follows: (Physical Examinations and
Autopsy. ) The insurer at its own expense shall have the right
and opportunity to examine the person of the insured when
and as often as it may reasonably require during the pendency
of a claim hereunder and to make an autopsy in case of death
where it is not forbidden by law.

(11) A provision as follows: (Legal Actions. ) No action at
law or in equity shall be brought to recover on this policy prior
to the expiration of sixty days after written proof of loss has
been furnished in accordance with the requirements of this
policy. No such action shall be brought after the expiration of