1. A. Crime.

   1. (1) An individual contract may not include a limitation or exclusion for loss to which a contributing cause was the covered individual's commission of or attempt to commit a crime.
   2. (2) An individual contract may not include a limitation or exclusion for loss for which a contributing cause was the commission of or the attempt to commit a crime by an individual other than the covered individual.
2. B. Illegal Occupation. An individual contract may not include a limitation or exclusion for loss to which a contributing cause was the covered individual's being engaged in an illegal occupation.

3. C. Intoxicants or Narcotics or Use of Intoxicants or Narcotics.

   1. (1) An individual contract may not include a limitation or exclusion for loss sustained or contracted in consequence of the covered individual's being intoxicated or under the influence of any drug.

   2. (2) An individual contract may not include a limitation or exclusion for loss due to:

      1. (a) The use of alcohol;
      2. (b) The use of drugs or narcotics; or
      3. (c) Alcoholism or drug addiction.
4. D. Preexisting Condition. If an individual contract contains a preexisting condition limitation or exclusion, the limitation or exclusion may not apply to a condition which the applicant revealed in the application for the contract, unless the condition is excluded by means of a signed waiver rider attached to the contract.

Authority: Insurance Article, §12-203(g), Annotated Code of Maryland

Effective date: October 30, 2000 (27:21 Md. R. 1978)

Regulation .02B amended effective October 18, 2010 (37:21 Md. R. 1438); May 9, 2016 (43:9 Md. R. 532)

Regulation .04C amended effective November 7, 2005 (32:22 Md. R. 1760)

Regulation .04C, D amended effective May 9, 2016 (43:9 Md. R. 532)

Regulation .04M adopted effective October 18, 2010 (37:21 Md. R. 1438)

Regulation .04M amended effective April 22, 2019 (46:8 Md. R. 402)

Regulation .05A amended as an emergency provision effective May 9, 2003 (30:11 Md. R. 732); amended permanently effective October 27, 2003 (30:21 Md. R. 1531)