Hi Fannie:
You can get to the New York statutes by clicking HERE. Once there, click on the ISC, which is the Insurance Code. Once there, you can navigate your way to Section 3208(d)(3) by selecting Article 32, then by clicking on 3208.
Specifically, Section 3208(d)(3) says:
§ 3208. Antedating of life insurance policies and burial agreements
prohibited.
(d) No person, firm, association, society, or corporation engaged in
this state in the business of providing for the payment of funeral,
burial or other expenses of deceased members, whether or not it be
subject to the other provisions of this chapter, and no insurer shall:
3) in any way deprive the personal representative or family of the
deceased of the advantages of competition in procuring and purchasing
supplies and services in connection with the funeral and burial
arrangements of such deceased.
* NB Effective until June 1, 2012
I hope this helps and a positive feedback is always appreciated if this was useful to you.
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