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for violation of this section, a State license for the purpose of allowing to such person a rebate. Provided that nothing in this section shall be so construed as to forbid a company transacting industrial insurance on a weekly payment plan with weekly collections of premiums at the houses of the insured, from returning to policy holders who have made premium payments directly to the company at its home office or district offices, the savings which the company effects through such direct payments, and provided further, that nothing in this section shall be so construed as to forbid a company issuing nonparticipating life insurance from paying bonuses to policy holders out of surplus accumulated from such non-participating insurance.

Ibid, sec. 163. 1904, art. 23, sec. 155. 1890, ch. 254, sec. 119B.

1912, ch. 102, sec. 155.

163. No fire, casualty, surety or other insurance company, association, partnership, Lloyds or individual underwriters, authorized to do insurance business in this State, or any officer, agent, solicitor or representative thereof, shall make any contract for insurance on property or risk located within this State against liability, casualty, accident or hazard of any kind that may arise or occur therein or agreement as to such contract, other than as plainly expressed in the policy issued or to be issued thereon; nor shall any such company, association, partnership, Lloyds or individual underwriters, or any officer, agent, solicitor, representative thereof, directly or indirectly, in any manner whatsoever, pay or allow or offer to pay or allow as inducement of such insurance, or after the insurance shall have been effected, any rebate from the premium which is specified in the policy, or any special favor or advantage in the dividends or other benefits to accrue thereon, or any valuable consideration or inducement whatever, not specified in the policy or contract of insurance, nor shall any insurance broker, his agent, or representative, or any other person, directly or indirectly, either by sharing commissions or in any manner whatsoever pay or allow or offer to pay or allow as inducement to such insurance, or after the insurance shall have been effected, any rebate from the premium which is specified in the policy; nor shall the insured, his agent or representative, directly or indirectly, accept or knowingly receive from any com

pany, association, partnership, Lloyds or individual underwriters, or from any insurance broker or other person, any such rebate of premium payable on the policy, or any special favor or advantage in the dividends or other benefits to accrue thereon; this section shall not prevent any corporation, person, partnership or association lawfully doing such insurance business in this State from the distribution of surplus and dividends to policy holders after the first year of insurance, nor prevent any member of an inter-insurance of Lloyds association from receiving the profit on his or its underwriting; nor shall this section prevent any licensed insurance broker from sharing or dividing a commission earned or received by him with any other licensed insurance broker or brokers who shall have aided him in respect of the insurance for the negotiation of which such commission shall have been earned or paid.

Ibid, sec. 164. 1904, art. 23, sec. 156. 1890, ch. 254.

sec. 119c. 1912, ch. 102, sec. 156.

1892, ch. 441,

164. Any person or corporation violating any of the provisions of Sections 162 and 163 of this Article shall be guilty of a misdemeanor, and upon conviction thereof, the offender or offenders shall be sentenced to pay a fine of not less than two hundred dollars, nor more than five hundred dollars for each and every violation of either of said sections. Any agent or solicitor of any insurance company, or any insurance broker shall upon being convicted of a second offence under said sections be disqualified from acting as an insurance agent or broker for the period of one year thereafter, and it shall be the duty of the Insurance Commissioner, upon being satisfied that any insurance company, or any agent thereof, has violated any of the provisions of said Sections 162 and 163, to report the same to the State's Attorney for the county or city in which such offense may have been committed. No person shall be excused from testifying, or from producing any books, contracts, agreements or documents at the trial of any person charged with violating any provision of either of said sections on the ground that such testimony or evidence may tend to incriminate himself, but no person shall be prosecuted for any act concerning which he shall be compelled so to testify or produce evidence, documentary or otherwise, except for perjury committed in so testifying.

1916, ch. 254, sec. 164A

164A. No insurance company, association, or society, or any officer, director, agent, broker or solicitor thereof shall issue, circulate or cause or permit to be issued, circulated or used, any statement, estimate, illustration, or circular misrepresenting the terms of any policy issued or the benefits or privileges promised under any such policy, or the future dividends payable under such poilcy. No life, health or accident insurance company, association, or society, officer, director, agent, solici tor, or broker, or any person firm or association or corporation shall make any misrepresentation, oral, written or otherwise, to any person for the purpose of inducing or tending to induce such person to take out a policy of life, health or accident insurance, or for the purpose of inducing or tending to induce a policyholder in any such company to lapse, forfeit or surrender his insurance therein, or to refuse to accept a policy is sued upon an application thereof and to take out a policy of insurance in any other company.

1916, ch. 254, sec. 164B.

164B. No agent, collector, solicitor or other employee or representative of any company or association issuing contracts providing for sick, accident or death benefits and operating on the weekly or monthly industrial plan, shall be deemed the owner of any part of the weekly or monthly debit collected by him, or that may be under his charge, care, control or supervision, but each and every such debit shall be deemed wholly the property, of the company or association in whose name such policies, contracts or obligations were written or assumed. No agent, collector, solicitor, superintendent or other employee or representative of any such company or association shall barter, sell, give, transfer or in any manner switch, or offer or attempt to barter, sell, give, transfer or in any manner switch to any person, persons, company or association any part of any debit of such company or any policies or contracts of such company without the consent of said company first had in writing.

1916, ch. 254, sec. 164c.

164c. No person shall be excused from testifying or from producing any books, papers, contracts, agreements or docu

ments at the trial or hearing of any person or company, association or society charged with violating any provision of this Act on the ground that such testimony or evidence may tend to incriminate himself, but no person shall be prosecuted for any act concerning which he shall be compelled so to testify or produce evidence, documentary or otherwise, except for perjury committed in so testifying.

1916, ch. 254, sec. 164D.

164D. Any insurance company, association, or society, agent, solicitor or broker, or any person, firm, association or corporation violating any provision of Sections 164A, 164B and 164C shall upon conviction be sentenced to pay a fine of not less than one hundred dollars or more than five hundred dollars for each and every violation, or in the discretion of the court, to an imprisonment for a period of not more than six months.

Ibid, sec. 157. 1888, art. 23, sec. 120. 1868, ch. 471, sec. 104. 165. Any corporation formed under this Article may insure the porperty, real, personal or mixed, which any married woman may own jointly or in severalty, in the same manner as if she were a feme sole; and any guardian may with the assent of the Orphans' Court by which he shall have been appointed, insure in any company formed under this Article, any property which the ward or wards of such guardian may own, either jointly or severalty, and such insurance shall have the same. effect in all respects as if the minor whose property is thus insured were of full age, and had made such insurance himself. 1908, ch. 322, sec. 157A. 1914, ch. 529, sec. 157A.

166. All persons, individuals, firms, associations and corporations obtaining insurance on property situate in this State (owned by individuals or firms resident in this State, or corporations incorporated under the laws of this State), against fire, lightning or tornado, from companies, associations, firms or corporations not authorized to transact business in this State, shall file with the Insurance Commissioner of the State a statement or declaration setting forth the name of the company, number of policy, amount of insurance, rate, premium and description of property; shall be required to pay a tax

thereon of five per cent of the premium paid on such policies to the said Commissioner and shall further pay a fee to said Insurance Commissioner of one dollar on each poilcy for making a record of the said statement or declaration, which record shall be kept for the private information of the Insurance D. partment of this State, and shall not be a public record.

1908, ch. 322, sec. 157B.

167. Whenever any person or firm resident in this State, or corporation incorporated under the laws of this State, shall file with the Insurance Commissioner an affidavit that said person, firm or corporation is unable to obtain in companies legally authorized to do business in this State insurance or a sufficient amount thereof on property situate in this State owned by said person, firm or corporation, then the Insurance Commissioner shall issue a license to such person, firm or corporation authorizing the procurement of insurance in non-admitted companies ́or associations to the extent of the insurance desired, and such person, firm or corporation shall not be required to pay the tax imposed by the preceding section, but shall be required to pay to said Insurance Commissioner a fee of one dollar on each policy so obtained, and said Insurance Commissioner shall make a record thereof in the book mentioned in the preceding section, showing name of company, number of policy, amount of insurance rate, premium and date of expiration of policy, and in case of damage to or loss by fire, lightning or tornado, of any property so insured, the said authorized company is hereby authorized through its agent or agents to enter this State for the purpose of adjusting any such loss or damage sustained under said policies, but not to solicit insurance to such unauthorized companies.

1908, ch. 322, sec. 157c.

168. Any person, firm or corporation who shall, with intent to secure such license, make a false affidavit shall be guilty of perjury, and any policy of insurance obtained under such license shall be void, and the license so issued shall be canceled by the Insurance Commissioner.

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