# COMAR 31.04.17.04: COMAR 31.04.17.04. Variable Materials, Insert Pages, and Contracts Comprised of Sections > Maryland · Regulations · In force URL: https://www.frixlaw.com/law-library/statutes/STATE_MD_COMAR_31_04_17_04 ## Section - **Citation:** COMAR 31.04.17.04 - **Heading:** COMAR 31.04.17.04. Variable Materials, Insert Pages, and Contracts Comprised of Sections - **Jurisdiction:** Maryland - **Kind:** Regulations - **Status:** In force - **Text as of:** August 14, 2026 - **Source:** Compiled text - **Location:** Code of Maryland Regulations / Title 31 MARYLAND INSURANCE ADMINISTRATION / Subtitle 04 INSURERS / Chapter 17 Filing of Forms for Approval / COMAR 31.04.17.04 ## Text A. Variable Information. (1) Individual Contracts. (a) Except as specified in §A(1)(b) of this regulation , a carrier may not include variable material in an individual contract, or in a form to be used with an individual contract. (b) A carrier may include variable material in an individual contract or in a form to be used with an individual contract in the following portions of the form: (i) The specifications, data, or schedule page; (ii) The product marketing name; (iii) The address of the carrier; (iv) Signatures of officers of the carrier; (v) Descriptions of copayment amounts, deductibles, coinsurance amounts, out-of-pocket limits, annual maximums, or lifetime maximums; (vi) Specific dates, such as effective dates and termination dates; and (vii) Descriptions of benefit amounts, benefit limits, waiting periods or elimination periods. (c) If an individual contract or a form to be used with an individual contract contains variable material as permitted under §A(1)(b) of this regulation , the carrier shall: (i) Bracket the variable material or otherwise mark the variable material to denote variability; and (ii) Include a statement of variability, in duplicate, that discusses how each variable item may change. (d) After an individual contract or a form to be used with an individual contract is approved with variable material, a carrier may not submit a new statement of variability to be used with the previously approved individual contract or form, except for the following: (i) Copayment amounts; (ii) Coinsurance amounts; (iii) Deductible amounts; (iv) Out-of-pocket limits; (v) Annual maximums; (vi) Lifetime maximums; (vii) Benefit amounts; (viii) Benefit limits; (ix) Waiting periods; or (x) Elimination periods. (e) A carrier shall include the following with a new statement of variability filing for a previously approved individual contract or form: or the following: (i) Copayment amounts; (ii) Coinsurance amounts; (iii) Deductible amounts; (iv) Out-of-pocket limits; (v) Annual maximums; (vi) Lifetime maximums; (vii) Benefit amounts; (viii) Benefit limits; (ix) Waiting periods; or (x) Elimination periods. (e) A carrier shall include the following with a new statement of variability filing for a previously approved individual contract or form: (i) A cover letter identifying the carrier and the carrier's National Association of Insurance Commissioners company code number; and (ii) The form number and date of approval of the form for which new variable material is being submitted. (2) Group Contracts. (a) A carrier may include variable material in a group contract or in a form to be used with a group contract, if the carrier: (i) Brackets the variable material or otherwise marks the variable material to denote variability; and (ii) Includes a statement of variability, in duplicate, that discusses how each variable item may change, including all textual variations that are intended. (b) After a group contract or a form to be used with a group contract is approved with variable material, a carrier may not submit a new statement of variability to be used with the previously approved group contract or form, except for the following: (i) Copayment amounts; (ii) Coinsurance amounts; (iii) Deductible amounts; (iv) Out-of-pocket limits; (v) Annual maximums; (vi) Lifetime maximums; (vii) Benefit amounts; (viii) Benefit limits; (ix) Waiting periods; or (x) Elimination periods. (c) A carrier shall include the following with a new statement of variability filing for a previously approved group contract or form: (i) A cover letter identifying the carrier and the carrier's National Association of Insurance Commissioners company code number; and (ii) The form number and date of approval of the form for which new variable material is being submitted. B. Contracts with Insert Pages. (1) A carrier may file for approval of a contract on an insert page basis, only if: previously approved group contract or form: (i) A cover letter identifying the carrier and the carrier's National Association of Insurance Commissioners company code number; and (ii) The form number and date of approval of the form for which new variable material is being submitted. B. Contracts with Insert Pages. (1) A carrier may file for approval of a contract on an insert page basis, only if: (a) Each insert page is identified by a unique form number appearing in the lower left corner of the insert page; and (b) The carrier includes the following in the filing submission: (i) A description of how the various insert pages will be combined; (ii) A listing of the insert pages that can be substituted for other specific insert pages; and (iii) The filing fee required under Insurance Article, §2-112, Annotated Code of Maryland , for each insert page with a unique form number. (2) A carrier may not file for approval of insert pages for use with a previously approved contract, if the previously approved contract was not approved on an insert page basis. (3) If a carrier files for approval of insert pages for a previously approved contract, the submission shall: (a) Identify by form number and date of approval any insert pages that the new insert pages will replace; and (b) Include a copy of the currently approved contract, unless the Commissioner waives the requirement or determines that a copy is not necessary to review the submission. C. Contracts Comprised of Sections. (1) A carrier may file for approval of a contract on a sectional basis, only if: (a) Each section is identified by a unique form number appearing in the lower left corner of the first page of the section; and (b) The carrier includes the following in the filing submission: aives the requirement or determines that a copy is not necessary to review the submission. C. Contracts Comprised of Sections. (1) A carrier may file for approval of a contract on a sectional basis, only if: (a) Each section is identified by a unique form number appearing in the lower left corner of the first page of the section; and (b) The carrier includes the following in the filing submission: (i) A description of how the various sections will be combined; (ii) A listing of the sections that can be substituted for other specific sections; and (iii) The filing fee required under Insurance Article, §2-112, Annotated Code of Maryland , for each section with a unique form number. (2) A carrier may not file for approval of sections for use with a previously approved contract, if the previously approved contract was not approved on a sectional basis. (3) If a carrier files for approval of sections for a previously approved contract, the submission shall: (a) Identify by form number and date of approval any sections that the new sections will replace; and (b) Include a copy of the currently approved contract, unless the Commissioner waives the requirement or determines that a copy is not necessary to review the submission. Cross References 31.04.19.02B(13)(b)(i) 31.04.19.02B(13)(b)(ii) ## Nearby sections - [COMAR 31.04.17.01 COMAR 31.04.17.01. Applicability](https://www.frixlaw.com/law-library/statutes/STATE_MD_COMAR_31_04_17_01.md) - [COMAR 31.04.17.02 COMAR 31.04.17.02. Definitions](https://www.frixlaw.com/law-library/statutes/STATE_MD_COMAR_31_04_17_02.md) - [COMAR 31.04.17.03 COMAR 31.04.17.03. Filing of Forms for Approval](https://www.frixlaw.com/law-library/statutes/STATE_MD_COMAR_31_04_17_03.md) - [COMAR 31.04.17.04 COMAR 31.04.17.04. Variable Materials, Insert Pages, and Contracts Comprised of Sections](https://www.frixlaw.com/law-library/statutes/STATE_MD_COMAR_31_04_17_04.md) - [COMAR 31.04.17.05 COMAR 31.04.17.05. Failure to Respond to the Commissioner's Correspondence](https://www.frixlaw.com/law-library/statutes/STATE_MD_COMAR_31_04_17_05.md) - [COMAR 31.04.17.06 COMAR 31.04.17.06. Contents of Application Forms](https://www.frixlaw.com/law-library/statutes/STATE_MD_COMAR_31_04_17_06.md) - [COMAR 31.04.17.07 COMAR 31.04.17.07. Advertising Material Within a Form](https://www.frixlaw.com/law-library/statutes/STATE_MD_COMAR_31_04_17_07.md) - [COMAR 31.04.17.08 COMAR 31.04.17.08. Proxy](https://www.frixlaw.com/law-library/statutes/STATE_MD_COMAR_31_04_17_08.md) - [COMAR 31.04.17.09 COMAR 31.04.17.09. Life Insurance Policies](https://www.frixlaw.com/law-library/statutes/STATE_MD_COMAR_31_04_17_09.md) - [COMAR 31.04.17.10 COMAR 31.04.17.10. General Requirements for Forms](https://www.frixlaw.com/law-library/statutes/STATE_MD_COMAR_31_04_17_10.md) - [COMAR 31.04.17.11 COMAR 31.04.17.11. Self-Destruction or Self-Inflicted Injury](https://www.frixlaw.com/law-library/statutes/STATE_MD_COMAR_31_04_17_11.md) - [COMAR 31.04.17.12 COMAR 31.04.17.12. Military Service Exclusion](https://www.frixlaw.com/law-library/statutes/STATE_MD_COMAR_31_04_17_12.md) - [COMAR 31.04.17.13 COMAR 31.04.17.13. Prohibited Coverage](https://www.frixlaw.com/law-library/statutes/STATE_MD_COMAR_31_04_17_13.md) - [COMAR 31.04.17.14 COMAR 31.04.17.14. Standard Nonforfeiture Value Method](https://www.frixlaw.com/law-library/statutes/STATE_MD_COMAR_31_04_17_14.md) --- Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_MD_COMAR_31_04_17_04. Check the current official text before relying on it. Not legal advice.