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2015 New York Laws
ISC - Insurance
Article 43 - (Insurance) NON-PROFIT MEDICAL AND DENTAL INDEMNITY, OR HEALTH AND HOSPITAL SERVICE CORPORATIONS
4316 - Individual contracts; premium refund at death of insured.

NY Ins L § 4316 (2015) What's This?
  4316.  Individual  contracts;  premium  refund at death of insured.
  Under individual contracts for which premiums are paid directly  to  the
  corporation  by the individual, if the death of the insured or a covered
  dependent occurs during a period for which the premium  has  been  paid,
  the  corporation  shall refund the premium or the portion of the premium
  actually paid by the insured for that person for any period  beyond  the
  end of the policy month in which such death occurred.

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