1640 LAWS OF MARYLAND. [CH. 904

(I): 11. All the indemnities of this policy are payable
to the insured.

(1) A standard provision relative to the cancellation of the
policy at the instance of the insured in the case of his change
of occupation which shall be in the following form:

12. If the insured shall at any time change his occupa-
tion to one classified by the insurer as less hazardous than
that stated in the policy, the insurer, upon written request
of the insured and surrender of the policy, will cancel the
same and will return to the insured the unearned premium.

(m) In any policy in which a beneficiary is designated, a
standard provision relative to the rights of the beneficiary
under the policy, which shall be in the following form:

13. Consent of the beneficiary shall not be requisite to
surrender or assignment of this policy, or to change of
beneficiary, or to any other changes in the policy.

(n) A standard provision limiting the time within which
suit may be brought upon the policy as follows:

14. No action at law or in equity shall be brought to
recover on this policy prior to the expiration of sixty days
after proof of loss has been filed in accordance with the
requirements of this policy, nor shall such action be brought
at all unless brought within two years from the expiration
of the time within which proof of loss is required by the
policy.

(o) A standard provision relative to time limitations of the
policy as affected by the laws of other states, as follows:

15. If any time limitation of this policy with respect to
giving notice of claim or furnishing proof of loss is less than
that permitted by the law of the State in which the insured
resides at the time this policy is issued, such limitation
is hereby extended to agree with the minimum period per-
mitted by such law.

3. No such policy shall be so issued or delivered which con-
tains any provision of the kind or character hereinafter set
forth in paragraphs (a) to (e) inclusive, of this sub-section,
unless such provisions, which are hereby designated as op-
tional standard provisions, are in the words and in the order
in which they are hereinafter set forth, but the insurer may
at its option omit from the policy any such optional standard
provisions. If any such optional standard provisions be in-
serted in the policy they shall immediately succeed the stand-
ard provisions specified in sub-section two of this section.