32                                   Laws of Maryland                           [Ch. 22

Section 1. Be it enacted by the General Assembly of Maryland,
That a new section be and the same is hereby added to Article 48A
of the Annotated Code of Maryland (1951 Edition), title "Insur-
ance", sub-title "Life, Accident and Health Insurance", said new
section to be known as Section 189A, to follow immediately after
Section 189 of said Article, and to read as follows:

189A. (Life Insurance; Limitation of Liability.) (a) No policy
of life insurance delivered, or issued for delivery, in this State shall
contain any provision which excludes or restricts liability in the
event of death caused in a certain specified manner, except as pro-
vided in Sub-sections (c) to (f) inclusive, of this section.

(b)  In the event of death caused in any manner described in
Sub-sections (c) to (f), inclusive, of this section, the insurer may in
any such contract limit its liability to a determinable amount, but
in no event shall such limitation of the amount payable be less than
the reserve on the policy, computed according to the mortality table
and interest rate specified in the policy, together with the reserve for
any paid-up addition thereto, and any dividends standing to the
credit of the policy, less any indebtedness to the company on the
policy, including interest due or accrued; provided that if the policy
shall have been in force for not more than two years the company
shall pay the amount of the gross premiums charged on the policy
less dividends paid in cash or used in the payment of premiums
thereon and less any indebtedness to the company on the policy,
including interest due or accrued. The limitation of amount payable
shall be not more than the amount which would have been payable in
the absence of such limitation.

(c)  As a result of suicide, sane or insane, within two years from
the date of issue of the policy.

(d) As a result of aviation under conditions specified in the policy.

(e)  Within two years from the date of issue of the policy, as a
result of specified hazardous occupation or occupations or while the
insured is resident in a specified foreign country or countries.

(f)  As a result directly or indirectly of war, declared or unde-
clared, or of any act or hazard of such war; the term ^(<act or hazard
of such war" includes but is not limited to those hazards resulting
in the insured's death being presumed by reason of being missing or
missing in action, and those hazards resulting in death from disease
or injury, accidental or otherwise, to which a person serving in or
with the military, naval or air forces or units of any country, inter-
national organization or combination of countries, is exposed in line
of duty.

(g)  The Commissioner may by official ruling prescribe reasonable
conditions relative to the use of provision (f) above.

(h) This section shall not apply to group life insurance, or to any
provision of a life insurance policy relating to disability benefits or
to additional benefits in the event of death by accident or accidental
means.

(i) Nothing contained in this section shall prohibit any provision
which in the opinion of the Commissioner is more favorable to the
policyholder than a provision permitted by this section.