                                 CODE OF VIRGINIA

ENTIRE CONTRACT; STATEMENTS DEEMED REPRESENTATIONS (§ 38.2-3529)

A. Each group accident and sickness insurance policy shall contain a provision
that the policy, and any application of the policyowner, and any individual
applications of the persons insured shall constitute the entire contract between
the parties.

B. The provision shall also state that:

   1. A copy of any application of the policyowner shall be attached to the
   policy when issued;

   2. All statements made by the policyowner or by the persons insured shall be
   deemed representations and not warranties; and

   3. No written statement made by any person insured shall be used in any
   contest unless a copy of the statement is furnished to the person or to his
   beneficiary or personal representative.

HISTORY: 1986, c. 562.