West Virginia Code § 33-23-34

Exemption of certain societies
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(a) Nothing contained in this article shall be so construed as to affect or apply to:
(1) Grand or subordinate lodges of societies, orders or associations now doing business in
this state which provide benefits exclusively through local or subordinate lodges;
(2) Orders, societies or associations which admit to membership only persons engaged in
one or more crafts or hazardous occupations, in the same or similar lines of business
insuring only their own members, their families and descendants of members and the ladies'
societies or ladies' auxiliaries to such orders, societies or associautions;
(3) Domestic societies which limit their membership to employees of a particular city or
town, designated firm, business house or corporation which provide for a death benefit of
not more than $400,000 or disability benefits of not moare than $350,000 to any person in
any one year, or both; or
(4) Domestic societies or associations of a purely religious, charitable or benevolent
description, which provide for a death benefit of not more than $2,000 or for disability
benefits of not more than $350 to any one iperson in any one year, or both.
(b) Any such society or association described in subdivision (3) or (4), subsection (a) of this
section, which provides for death or disability benefits for which benefit certificates are
issued, and any such society or association included in subdivision (4) which has more than
one thousand members, shall not be exempted from the provisions of this article but shall
comply with all requirements thereof.
(c) No society which, by the provisions of this section, is exempt from the requirements of
this article, exVcept any society described in subdivision (2), subsection (a) of this section,
shall give or allow, or promise to give or allow to any person any compensation for procuring
new members.
(d) Every society which provides for benefits in case of death or disability resulting solely
from accident, and which does not obligate itself to pay natural death or sick benefits shall
have all of the privileges and be subject to all the applicable provisions and rules of this
article except that the provisions thereof relating to medical examination, valuations of
benefit certificates, and incontestability, shall not apply to such society.
(e) The commissioner may require from any society or association, by examination or
otherwise, such information as will enable him to determine whether such society or
association is exempt from the provisions of this article.
(f) Societies, exempted under the provisions of this section, shall also be exempt from all
other provisions of this chapter.

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