Mass. Gen. Laws ch. 176 § 9
A society may admit to benefit membership any person not less than fifteen years of age, nearest birthday, who has furnished evidence of insurability acceptable to the society. Any such member who shall apply for additional benefits more than six months after becoming a benefit member shall pass an additional medical examination, or make an additional declaration of insurability, as required by the society.
Any person admitted prior to attaining the age of majority shall be bound by the terms of the application and certificate and by all the by-laws and rules of the society, and shall be entitled to all the rights and privileges of membership therein to the same extent as though said applicant had attained said full age at the time of application. A society may also admit general or social members who shall have no voice or vote in the management of its insurance affairs.
No society authorized to issue certificates under this chapter may refuse to admit to benefit membership any person, otherwise qualified, for the sole reason of blindness.
Mass. Gen. Laws ch. 176, § 9