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Terms Used In Maryland Code, INSURANCE 3-215

  • Contract: A legal written agreement that becomes binding when signed.
  • Power of attorney: A written instrument which authorizes one person to act as another's agent or attorney. The power of attorney may be for a definite, specific act, or it may be general in nature. The terms of the written power of attorney may specify when it will expire. If not, the power of attorney usually expires when the person granting it dies. Source: OCC
(a) Modification of the terms of the subscribers’ agreement or power of attorney of a domestic reciprocal insurer shall be made jointly by the attorney in fact of the reciprocal insurer and the subscribers’ advisory committee.

(b) A modification described in subsection (a) of this section is not effective retroactively and does not apply to an insurance contract issued before the modification.