                                 CODE OF VIRGINIA

APPLICATION (§ 38.2-3511)

A. The insured shall not be bound by any statement made in an application for an
individual accident and sickness policy unless a copy of the application is
attached to or endorsed on the policy when issued as a part of the policy. If
any such policy delivered or issued for delivery in this Commonwealth is
reinstated or renewed, and the insured, beneficiary or assignee of the policy
makes a written request to the insurer for a copy of the reinstatement or
renewal application, if any, the insurer shall within fifteen days after the
receipt of the request, deliver or mail to the person making the request, a copy
of the application. If a copy is not so delivered or mailed, the insurer shall
be precluded from introducing the application as evidence in any action or
proceeding based upon or involving the policy or its reinstatement or renewal.

B. No alteration of any written application for any such policy shall be made by
any person other than the applicant without his written consent, except that
insertions may be made by the insurer, for administrative purposes only, in a
manner indicating clearly that such insertions are not to be ascribed to the
applicant.

C. The falsity of any statement in the application for any policy covered by
this article may not bar the right to recovery under the policy unless the false
statement materially affected either the acceptance of the risk or the hazard
assumed by the insurer.

HISTORY: 1952, c. 317, § 38.1-357; 1986, c. 562.