1204                            LAWS OF MARYLAND                      [CH. 553

at the rates and within the limits fixed by the insurer for such more
hazardous occupation. If the insured changes his occupation to one
classified by the insurer as less hazardous than that stated in this
policy, the insurer, upon receipt of proof of such change of occupa-
tion, will reduce the premium rate accordingly, and will return the
excess pro rata unearned premium from the date of change of occu-
pation or from the policy anniversary date immediately preceding
receipt of such proof, whichever is the more recent. In applying this
provision, the classification of occupational risk and the premium
rates shall be such as have been last filed by the insurer prior to the
occurrence of the loss for which the insurer is liable or prior to date
of proof of change in occupation with the state official having super-
vision of insurance in the state where the insured resided at the
time this policy was issued; but if such filing was not required, then
the classification of occupational risk and the premium rates shall
be those last made effective by the insurer in such state prior to the
occurrence of the loss or prior to the date of proof of change in
occupation."

454.    Misstatement of Age.

There may be a provision as follows:

"Misstatement of Age: If the age of the insured has been mis-
stated, all amounts payable under this policy shall be such as the
premium paid would have purchased at the correct age."

455.    Other Insurance in This Insurer.

There may be a provision as follows:

"Other Insurance in This Insurer: If an accident or sickness or
accident and sickness policy or policies previously issued by the
insurer to the insured be in force concurrently herewith, making the
aggregate indemnity for .... (insert type of coverage or cover-
ages) in excess of $ .... (insert maximum limit of indemnity or
indemnities) the excess insurance shall be void and all premiums
paid for such excess shall be returned to the insured or to his
estate."

Or, in lieu thereof:

"Insurance effective at any one time on the insured under a like
policy or policies in this insurer is limited to the one such policy
elected by the insured, his beneficiary or his estate, as the case may
be, and the insurer will return all premiums paid for all other such
policies."

456.    Insurance with Other Insurers (Provision of Service or Ex-
pense Incurred Basis).

(a) There may be a provision as follows:

"Insurance with Other Insurers: If there be other valid coverage,
not with this insurer, providing benefits for the same loss on a provi-
sion of service basis or on an expense incurred basis and of which this
insurer has not been given written notice prior to the occurrence or
commencement of loss, the only liability under any expense incurred
coverage of this policy shall be for such proportion of the loss as the