J. MILLARD TAWES, Governor                     1201

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 fifty (50), or

(2)   In the case of a policy issued after age forty-four (44), for at
least five (5) years from its date of issue.

444.    Notice of Claim.

There shall be a provision as follows:

"Notice of Claim: Written notice of claim must be given to the in-
surer within twenty (20) days after the occurrence or commence-
ment 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 of-
fice as the insurer may designate for the purpose), or to any author-
ized agent of the insurer, with information sufficient to identify the
insured, shall be deemed notice to the insurer."

In a policy providing a loss-of-time benefit which may be payable
for at least two (2) years, an insurer may at its option insert the
following between the first and second sentences of the above pro-
vision :

"Subject to the qualifications set forth below, if the insured suffers
loss of time on account of disability for which indemnity may be
payable for at least two years, he shall, at least once in every six (6)
months after having given notice of the claim, give to the insurer no-
tice of continuance of the disability, except in the event of legal inca-
pacity. The period of six (6) months following any filing of proof by
the insured or any payment by the insurer on account of such claim
or any denial of liability in whole or in part by the insurer shall be
excluded in applying this provision. Delay in the giving of such notice
shall not impair the insurer's right to any indemnity which would
otherwise have accrued during the period of six (6) months preced-
ing the date on which such notice is actually given."

445.    Claim Forms.

There shall be a provision as follows:

"Claim Forms: The insurer, upon receipt of a notice of claim, will
furnish to the claimant such forms as are usually furnished by it for
filing proofs of loss. If such forms are not furnished within fifteen
days after the giving of such notice the claimant shall be deemed to
have complied with the requirements of this policy as to proof of loss
upon submitting, within the time fixed in the policy for filing proofs
of loss, written proof covering the occurrence, the character and the
extent of the loss for which claim is made."

446.    Proofs of Loss.

There shall be a provision as follows:

"Proofs of Loss: Written proof of loss must be furnished to the
insurer at its said office in case of claim for loss for which this policy
provides any periodic payment contingent upon continuing loss with-