Maryland Code § IN-13-107

(a) (1) Except as provided in paragraph (2) of this subsection, the term
of credit life insurance, credit health insurance, or credit involuntary unemployment
benefit insurance subject to acceptance by the insurer, begins on the date that the
debtor becomes obligated to the creditor.
(2) If a group policy provides coverage for an existing obligation, the
credit life insurance, credit health insurance, or credit involuntary unemployment
benefit insurance begins on the effective date of the group policy.
(b) If an insurer requires evidence of insurability and the evidence is
provided more than 30 days after the debtor becomes obligated to the creditor:
(1) the term of the credit life insurance, credit health insurance, or
credit involuntary unemployment benefit insurance may begin on the date that the
insurer determines that the evidence is satisfactory; and

(2) the insurer shall refund or adjust any charge to the debtor for
insurance as appropriate.
(c) (1) The term of credit life insurance, credit health insurance, or credit
involuntary unemployment benefit insurance may not extend more than 15 days after
the scheduled maturity date of the indebtedness, unless the term is extended without
additional cost to the debtor.
(2) If the indebtedness is discharged before its scheduled maturity
date due to renewal or refinancing, the insurer shall terminate the credit life
insurance, credit health insurance, or credit involuntary unemployment benefit
insurance in force before issuance of any new credit life insurance, credit health
insurance, or credit involuntary unemployment benefit insurance for the renewed or
refinanced indebtedness.
(3) The insurer shall pay or credit a refund as provided in § 13-112 of
this title in all cases of termination of the insurance before the scheduled maturity
date of the indebtedness.

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