N.Y. Insurance Law § 3228: Individual accident and health insurance policies; premium refund at death of insured

§ 3228. Individual accident and health insurance policies; premium

refund at death of insured. If the death of the insured or a covered

dependent occurs during a period for which the premium under an

individual accident and health insurance policy has been paid, the

insurer 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.