1198                             LAWS OF MARYLAND                        [CH. 553

(1)   The entire money and other considerations therefor shall be
expressed therein;

(2)   The time when the insurance takes effect and terminates
shall be expressed therein;

(3)   It shall purport to insure only one person, except that a policy
may insure, originally or by subsequent amendment, upon the ap-
plication of an adult member of a family, who shall be deemed the
policyholder, any two (2) or more eligible members of that family,
including husband, wife, dependent children or any children under a
specified age which shall not exceed nineteen years and any other
person dependent upon the policyholder or any other person related
to and resident in the household of the insured.

(4)   The style, arrangement and overall appearance of the policy
shall give no undue prominence to any portion of the text, and every
printed portion of the text of the policy and of any endorsements or
attached papers shall be plainly printed in light-faced type of a style
in general use, the size of which shall be uniform and not less than ten
(10) point with a lower case unspaced alphabet length not less than
one hundred and twenty (120) point (the "text" shall include all
printed matter except the name and address of the insurer, name or
title of the policy, the brief description, if any, and captions and
subcaptions);

(5)   The exceptions and reductions of indemnity shall be set forth
in the policy and, other than those contained in sections 440 to 462,
inclusive, of this subtitle, shall be printed, at the insurer's option,
either included with the benefit provision to which they apply, or
under an appropriate caption such as "Exceptions", or "Exceptions
and Reductions", except that if an exception or reduction specifically
applies only to a particular benefit of the policy, a statement of such
exception or reduction shall be included with the benefit provision to
which it applies;

(6)   Each such form, including riders and endorsements, shall be
identified by a form number in the lower lefthand corner of the first
page thereof;

(7)   The policy shall contain no provision purporting to make any
portion of the charter, rules, constitution or bylaws of the insurer
a part of the policy unless such portion is set forth in full in the
policy, except in the case of the incorporation of, or reference to, a
statement of rates or classification of risks, or short-rate table filed
with the Commissioner.

(8)   There shall be prominently printed on the face of the policy
or attached thereto a notice to the insured that during the period of
ten (10) days from the date the policy is delivered to the insured it
may be surrendered to the insurer for cancellation and a pro rata
premium for the unexpired term of the policy shall be returned to
him provided that the insurer shall have the option of printing or
attaching the notice above required or a notice of equal prominence,
which in the opinion of the Commissioner, is not less favorable to the
policyholder, and provided further that notice of such cancellation
shall be given by the insured to the insurer in writing.

(9)   In any case where the policy is subject to renewal at the
option of the insurer there shall be prominently printed on the first
page of such policy a statement so informing the policyholder.