N.Y. Ins. Law § 4316

§ 4316. Individual contracts; premium refund at death of insured.\nUnder individual contracts for which premiums are paid directly to the\ncorporation by the individual, if the death of the insured or a covered\ndependent occurs during a period for which the premium has been paid,\nthe corporation shall refund the premium or the portion of the premium\nactually paid by the insured for that person for any period beyond the\nend of the policy month in which such death occurred.\n