Maryland Insurance Section 8-421

      (a)      (1)      A society may admit to membership an individual who:

                  (i)      is older than 14 1/2 years old; and

                  (ii)      gives the society evidence of insurability acceptable to the society.

            (2)      A minor who is admitted to the society is:

                  (i)      bound by the terms of the application and certificate and by the laws and rules of the society; and

                  (ii)      entitled to the rights and privileges of membership as though the individual were an adult at the time of application.

      (b)      A society also may admit general or social members who do not have a voice or vote in the management of the society's insurance affairs.

      (c)      The members of a grand, supreme, or subordinate lodge or branch of a society are not personally liable for payment of a benefit provided by the society.

      (d)      A society shall specify in its laws or rules the rights and privileges of each membership class.

      (e)      Membership rights in a society are personal to the member and not assignable.