{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-3344.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-3344.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-3344.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-3344.html"}],"law_id":78410,"edition_id":1,"section_id":78410,"structure_id":15143,"section_number":"38.2-3344","catch_line":"Policy and application to constitute entire contract; statements deemed representations","history":"Code 1950, \u00a7 38-434(2); 1952, c. 317, \u00a7 38.1-412; 1986, c. 562.","full_text":"A\n\nEach industrial life insurance policy shall contain a provision that the policy, or the policy and the application for the policy, if a copy of the application is endorsed upon or attached to the policy when issued, shall constitute the entire contract between the parties.B\n\nThe provision shall also state that:1\n\nAll statements made by the insured shall, in the absence of fraud, be deemed representations and not warranties; and2\n\nNo such statement shall be used in defense of a claim under the policy unless it is contained in a written application that is endorsed upon or attached to the policy when issued.","order_by":null,"text":{"0":{"id":281034,"text":"Each industrial life insurance policy shall contain a provision that the policy, or the policy and the application for the policy, if a copy of the application is endorsed upon or attached to the policy when issued, shall constitute the entire contract between the parties.","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"B"},"1":{"id":281035,"text":"The provision shall also state that:","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A","next_prefix":"B1"},"2":{"id":281036,"text":"All statements made by the insured shall, in the absence of fraud, be deemed representations and not warranties; and","type":"section","prefixes":["B","1"],"prefix":"1","entire_prefix":"B1","prefix_anchor":"B1","level":2,"prior_prefix":"B","next_prefix":"B2"},"3":{"id":281037,"text":"No such statement shall be used in defense of a claim under the policy unless it is contained in a written application that is endorsed upon or attached to the policy when issued.","type":"section","prefixes":["B","2"],"prefix":"2","entire_prefix":"B2","prefix_anchor":"B2","level":2,"prior_prefix":"B1"}},"ancestry":[{"id":15143,"edition_id":1,"name":"Industrial Life Insurance Policies","identifier":"3","label":"article","depth":3,"order_by":1,"parent_id":13164,"metadata":{},"date_created":"2026-06-26 03:52:30","date_modified":"2026-06-26 03:52:30","permalink":{"id":214825,"object_type":"structure","relational_id":15143,"identifier":"3","token":"38.2\/33\/3","url":"\/38.2\/33\/3\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13164,"edition_id":1,"name":"Life Insurance Policies","identifier":"33","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:44:22","date_modified":"2026-06-26 03:44:22","permalink":{"id":214627,"object_type":"structure","relational_id":13164,"identifier":"33","token":"38.2\/33","url":"\/38.2\/33\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12698,"edition_id":1,"name":"Insurance","identifier":"38.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:49","date_modified":"2026-06-26 03:43:49","permalink":{"id":210661,"object_type":"structure","relational_id":12698,"identifier":"38.2","token":"38.2","url":"\/38.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":81893,"structure_id":15143,"section_number":"38.2-3340","catch_line":"Definition of industrial life insurance","url":"\/38.2-3340\/","token":"38.2\/33\/3\/38.2-3340","metadata":false},{"id":77512,"structure_id":15143,"section_number":"38.2-3341","catch_line":"Standard provisions required","url":"\/38.2-3341\/","token":"38.2\/33\/3\/38.2-3341","metadata":false},{"id":65601,"structure_id":15143,"section_number":"38.2-3342","catch_line":"Ten-day right to examine policy","url":"\/38.2-3342\/","token":"38.2\/33\/3\/38.2-3342","metadata":false},{"id":81386,"structure_id":15143,"section_number":"38.2-3343","catch_line":"Grace period","url":"\/38.2-3343\/","token":"38.2\/33\/3\/38.2-3343","metadata":false},{"id":78410,"structure_id":15143,"section_number":"38.2-3344","catch_line":"Policy and application to constitute entire contract; statements deemed representations","url":"\/38.2-3344\/","token":"38.2\/33\/3\/38.2-3344","metadata":false},{"id":71274,"structure_id":15143,"section_number":"38.2-3345","catch_line":"Incontestability","url":"\/38.2-3345\/","token":"38.2\/33\/3\/38.2-3345","metadata":false},{"id":85567,"structure_id":15143,"section_number":"38.2-3346","catch_line":"Misstatement of age","url":"\/38.2-3346\/","token":"38.2\/33\/3\/38.2-3346","metadata":false},{"id":71365,"structure_id":15143,"section_number":"38.2-3347","catch_line":"Nonforfeiture benefits and cash surrender values","url":"\/38.2-3347\/","token":"38.2\/33\/3\/38.2-3347","metadata":false},{"id":71652,"structure_id":15143,"section_number":"38.2-3348","catch_line":"Reinstatement","url":"\/38.2-3348\/","token":"38.2\/33\/3\/38.2-3348","metadata":false},{"id":86616,"structure_id":15143,"section_number":"38.2-3349","catch_line":"Table of nonforfeiture options","url":"\/38.2-3349\/","token":"38.2\/33\/3\/38.2-3349","metadata":false},{"id":71343,"structure_id":15143,"section_number":"38.2-3350","catch_line":"Settlement","url":"\/38.2-3350\/","token":"38.2\/33\/3\/38.2-3350","metadata":false},{"id":79343,"structure_id":15143,"section_number":"38.2-3351","catch_line":"Title","url":"\/38.2-3351\/","token":"38.2\/33\/3\/38.2-3351","metadata":false},{"id":64143,"structure_id":15143,"section_number":"38.2-3352","catch_line":"Provisions not required in certain policies","url":"\/38.2-3352\/","token":"38.2\/33\/3\/38.2-3352","metadata":false},{"id":57691,"structure_id":15143,"section_number":"38.2-3353","catch_line":"Provisions required by other jurisdictions","url":"\/38.2-3353\/","token":"38.2\/33\/3\/38.2-3353","metadata":false},{"id":66416,"structure_id":15143,"section_number":"38.2-3354","catch_line":"Prohibited provisions","url":"\/38.2-3354\/","token":"38.2\/33\/3\/38.2-3354","metadata":false}],"previous_section":{"id":81386,"structure_id":15143,"section_number":"38.2-3343","catch_line":"Grace period","url":"\/38.2-3343\/","token":"38.2\/33\/3\/38.2-3343","metadata":false},"next_section":{"id":71274,"structure_id":15143,"section_number":"38.2-3345","catch_line":"Incontestability","url":"\/38.2-3345\/","token":"38.2\/33\/3\/38.2-3345","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-3344\/","history_text":"

The record of this law\u2019s original creation isn\u2019t available online. It has been modified 2 times. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. Those modifications are as follows: in 1952, chapter 317; in 1986, chapter 562.<\/p>","references":false,"refers_to":false,"permalink":{"id":214843,"object_type":"law","relational_id":78410,"identifier":"38.2-3344","token":"38.2\/33\/3\/38.2-3344","url":"\/38.2-3344\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-3344\/","token":"38.2\/33\/3\/38.2-3344","dublin_core":{"Title":"Policy and application to constitute entire contract; statements deemed representations","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-3344","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

A.<\/span> Each industrial life insurance<\/span> policy shall contain a provision that the policy, or the policy and the application for the policy, if a copy of the application is endorsed upon or attached to the policy when issued, shall constitute the entire contract<\/span> between the parties. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

B.<\/span> The provision shall also state<\/span> that: <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

1.<\/span> All statements made by the insured shall, in the absence of fraud<\/span>, be deemed representations and not warranties; and <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> No such statement shall be used in defense of a claim under the policy unless it is contained in a written application that is endorsed upon or attached to the policy when issued. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nPOLICY AND APPLICATION TO CONSTITUTE ENTIRE CONTRACT; STATEMENTS DEEMED\nREPRESENTATIONS (\u00a7 38.2-3344)\n\nA. Each industrial life insurance policy shall contain a provision that the\npolicy, or the policy and the application for the policy, if a copy of the\napplication is endorsed upon or attached to the policy when issued, shall\nconstitute the entire contract between the parties.\n\nB. The provision shall also state that:\n\n 1. All statements made by the insured shall, in the absence of fraud, be\n deemed representations and not warranties; and\n\n 2. No such statement shall be used in defense of a claim under the policy\n unless it is contained in a written application that is endorsed upon or\n attached to the policy when issued.\n\nHISTORY: Code 1950, \u00a7 38-434(2); 1952, c. 317, \u00a7 38.1-412; 1986, c. 562.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}