An insured covered by an individual accident and health policy moves from New York to another state after the policy is issued. Under N.Y. Ins. Law §3216(d)(2)(I), the conformity provision measures conflicts against the statutes of the state where the insured resided:

Why B is correct

Under N.Y. Ins. Law §3216(d)(2)(I), the conformity provision amends any provision that, on the policy's effective date, conflicts with the statutes of the state in which the insured resides on such date. The relevant residence is fixed when the policy takes effect, so a later move to another state does not re-trigger or re-measure the conformity amendment; the insured's resident state at the start controls.

Why the other options are wrong

• A) The conformity check is fixed at the effective date; it is not re-run on anniversaries.
• C) Claims do not re-open the conformity analysis; the controlling residence is the insured's on the policy's effective date.
• D) Notice of a move has no effect; the provision looks to residence on the effective date, not to later changes of address.

Memory hook

Conformity freezes the insured's resident state on the effective date.