A Massachusetts statute is amended after an individual accident and health policy is issued, changing a benefit standard the policy references. Which optional provision automatically brings the policy into conformity without a new contract?

Why D is correct

The conformity-with-state-statutes provision of M.G.L. c. 175, § 108(3)(b) operates as a built-in updating clause: the policy is automatically amended to conform to any later change in Massachusetts insurance statutes, so the contract can never violate state law merely because the law moved after issue. This avoids both accidental illegality and the need to reissue contracts after every legislative amendment, and it is why insurers cannot enforce policy terms that a later statute has overridden.

Why the other options are wrong

• A) Misstatement of age adjusts benefits for an age error; it plays no role in conforming the policy to later statutory change.
• B) Change of occupation scales benefits to occupational risk, not to legislative amendments.
• C) Other-insurance-in-this-insurer prorates duplicate coverage within one insurer; it does not update the policy to match new statutes.

Memory hook

The statute moves, the policy follows: conformity clause auto-updates the contract.