J. MILLARD TAWES, Governor                       1203

449.    Physical Examination, Autopsy.

There shall be a provision as follows:

"Physical Examinations and Autopsy: The insurer at its own ex-
pense 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."

450.    Legal Actions.

There shall be 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 writ-
ten proof of loss has been furnished in accordance with the require-
ments of this policy. No such action shall be brought after the ex-
piration of three (3) years after the written proof of loss is re-
quired to be furnished."

451.    Change of Beneficiary.

There shall be a provision as follows:

"Change of Beneficiary: Unless the insured makes an irrevocable
designation of beneficiary, the right to change a beneficiary is
reserved to the insured and the consent of the beneficiary or bene-
ficiaries shall not be requisite to surrender or assignment of this
policy or to any change of beneficiary or beneficiaries, or to any
other changes in this policy."

(The first clause of this provision, relating to the irrevocable
designation of beneficiary, may be omitted at the insurer's option.)

452.    Optional Policy Provisions.

Except as provided in subsection (b) of section 439 of this sub-
title, no such policy delivered or issued for delivery to any person
in this State shall contain provisions respecting the matters set forth
in sections 453 to 462, inclusive, of this subtitle unless such provi-
sions are in the words in which the same appear in the applicable
section, except that the insurer may, at its option, use in lieu of any
such provision a corresponding provision of different wording
approved by the Commissioner which is not less favorable in any
respect to the insured or the beneficiary. Any such provision con-
tained in the policy shall be preceded individually by the applicable
caption or, at the option of the insurer, by such appropriate indi-
vidual or group captions or subcaptions as the Commissioner may
approve.

453.    Change of Occupation.

There may be a provision as follows:

"Change of Occupation: If the insured be injured or contract
sickness after having changed his occupation to one classified by the
insurer as more hazardous than that stated in this policy or while
doing for compensation anything pertaining to an occupation so
classified, the insurer will pay only such portion of the indemnities
provided in this policy as the premium paid would have purchased