{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2026\/code-json\/38.2-3304.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2026\/code-text\/38.2-3304.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2026\/code-xml\/38.2-3304.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2026\/code-html\/38.2-3304.html"}],"law_id":362072,"edition_id":2,"section_id":362072,"structure_id":51736,"section_number":"38.2-3304","catch_line":"Policy constitutes entire contract; statements deemed representations","history":"Code 1950, \u00a7 38-371(3); 1950, p. 179; 1952, c. 317, \u00a7 38.1-393; 1986, c. 562; 1990, c. 223.","full_text":"A\n\nEach individual 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 or delivered, shall constitute the entire contract between the parties.\n\nB\n\nThe provision shall also state that:\n\n1\n\nAll statements made by the insured shall, in the absence of fraud, be deemed representations and not warranties; and\n\n2\n\nNo 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 or delivered.\n\nC\n\nAs used in this section, “policy” shall include any riders, endorsements or amendments.\n\n","order_by":null,"text":{"0":{"id":1347996,"text":"Each individual 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 or delivered, 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":1347997,"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":1347998,"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":1347999,"text":"No 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 or delivered.","type":"section","prefixes":["B","2"],"prefix":"2","entire_prefix":"B2","prefix_anchor":"B2","level":2,"prior_prefix":"B1","next_prefix":"C"},"4":{"id":1348000,"text":"As used in this section, “policy” shall include any riders, endorsements or amendments.","type":"section","prefixes":["C"],"prefix":"C","entire_prefix":"C","prefix_anchor":"C","level":1,"prior_prefix":"B2"}},"ancestry":[{"id":51736,"edition_id":2,"name":"Life Insurance Policies; Annuities","identifier":"1","label":"article","depth":3,"order_by":1,"parent_id":51735,"metadata":{"child_laws":19,"child_structures":0},"date_created":"2026-08-02 02:47:35","date_modified":"2026-08-02 12:33:10","permalink":{"id":1441631,"object_type":"structure","relational_id":51736,"identifier":"1","token":"38.2\/33\/1","url":"\/38.2\/33\/1\/","edition_id":2,"permalink":0,"preferred":1}},{"id":51735,"edition_id":2,"name":"Life Insurance Policies","identifier":"33","label":"chapter","depth":2,"order_by":33,"parent_id":51644,"metadata":{"child_laws":63,"child_structures":3},"date_created":"2026-08-02 02:47:35","date_modified":"2026-08-02 12:33:10","permalink":{"id":1441629,"object_type":"structure","relational_id":51735,"identifier":"33","token":"38.2\/33","url":"\/38.2\/33\/","edition_id":2,"permalink":0,"preferred":1}},{"id":51644,"edition_id":2,"name":"Insurance","identifier":"38.2","label":"title","depth":1,"order_by":88,"parent_id":null,"metadata":{"child_laws":1890,"child_structures":173},"date_created":"2026-08-02 02:45:30","date_modified":"2026-08-02 12:32:55","permalink":{"id":1437663,"object_type":"structure","relational_id":51644,"identifier":"38.2","token":"38.2","url":"\/38.2\/","edition_id":2,"permalink":0,"preferred":1}}],"structure_contents":[{"id":362067,"structure_id":51736,"section_number":"38.2-3300","catch_line":"Requirements; exceptions","url":"\/38.2-3300\/","token":"38.2\/33\/1\/38.2-3300","metadata":false},{"id":362069,"structure_id":51736,"section_number":"38.2-3301","catch_line":"Ten-day right to examine policy","url":"\/38.2-3301\/","token":"38.2\/33\/1\/38.2-3301","metadata":false},{"id":362068,"structure_id":51736,"section_number":"38.2-3301.1","catch_line":"Delivery of individual life insurance policies","url":"\/38.2-3301.1\/","token":"38.2\/33\/1\/38.2-3301.1","metadata":false},{"id":362070,"structure_id":51736,"section_number":"38.2-3302","catch_line":"How premiums payable","url":"\/38.2-3302\/","token":"38.2\/33\/1\/38.2-3302","metadata":false},{"id":362071,"structure_id":51736,"section_number":"38.2-3303","catch_line":"Grace period","url":"\/38.2-3303\/","token":"38.2\/33\/1\/38.2-3303","metadata":false},{"id":362072,"structure_id":51736,"section_number":"38.2-3304","catch_line":"Policy constitutes entire contract; statements deemed representations","url":"\/38.2-3304\/","token":"38.2\/33\/1\/38.2-3304","metadata":false},{"id":362073,"structure_id":51736,"section_number":"38.2-3305","catch_line":"Incontestability","url":"\/38.2-3305\/","token":"38.2\/33\/1\/38.2-3305","metadata":false},{"id":362074,"structure_id":51736,"section_number":"38.2-3306","catch_line":"Misstatement of age","url":"\/38.2-3306\/","token":"38.2\/33\/1\/38.2-3306","metadata":false},{"id":362075,"structure_id":51736,"section_number":"38.2-3307","catch_line":"Participation in surplus","url":"\/38.2-3307\/","token":"38.2\/33\/1\/38.2-3307","metadata":false},{"id":362076,"structure_id":51736,"section_number":"38.2-3308","catch_line":"Policy loans","url":"\/38.2-3308\/","token":"38.2\/33\/1\/38.2-3308","metadata":false},{"id":362077,"structure_id":51736,"section_number":"38.2-3309","catch_line":"Nonforfeiture benefits and cash surrender values","url":"\/38.2-3309\/","token":"38.2\/33\/1\/38.2-3309","metadata":false},{"id":362078,"structure_id":51736,"section_number":"38.2-3310","catch_line":"Table of values and options","url":"\/38.2-3310\/","token":"38.2\/33\/1\/38.2-3310","metadata":false},{"id":362079,"structure_id":51736,"section_number":"38.2-3311","catch_line":"Reinstatement","url":"\/38.2-3311\/","token":"38.2\/33\/1\/38.2-3311","metadata":false},{"id":362080,"structure_id":51736,"section_number":"38.2-3312","catch_line":"Settlement","url":"\/38.2-3312\/","token":"38.2\/33\/1\/38.2-3312","metadata":false},{"id":362081,"structure_id":51736,"section_number":"38.2-3313","catch_line":"Table of installments","url":"\/38.2-3313\/","token":"38.2\/33\/1\/38.2-3313","metadata":false},{"id":362082,"structure_id":51736,"section_number":"38.2-3314","catch_line":"Title","url":"\/38.2-3314\/","token":"38.2\/33\/1\/38.2-3314","metadata":false},{"id":362083,"structure_id":51736,"section_number":"38.2-3315","catch_line":"Variations for certain forms of policies; providing more favorable terms","url":"\/38.2-3315\/","token":"38.2\/33\/1\/38.2-3315","metadata":false},{"id":362084,"structure_id":51736,"section_number":"38.2-3316","catch_line":"Provisions prohibited","url":"\/38.2-3316\/","token":"38.2\/33\/1\/38.2-3316","metadata":{"court_decisions":""}},{"id":362085,"structure_id":51736,"section_number":"38.2-3317","catch_line":"Provisions required by other jurisdictions","url":"\/38.2-3317\/","token":"38.2\/33\/1\/38.2-3317","metadata":false}],"previous_section":{"id":362071,"structure_id":51736,"section_number":"38.2-3303","catch_line":"Grace period","url":"\/38.2-3303\/","token":"38.2\/33\/1\/38.2-3303","metadata":false},"next_section":{"id":362073,"structure_id":51736,"section_number":"38.2-3305","catch_line":"Incontestability","url":"\/38.2-3305\/","token":"38.2\/33\/1\/38.2-3305","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-3304\/","history_text":"

The record of this law\u2019s original creation isn\u2019t available online. It has been modified 3 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; in 1990, chapter 223.<\/p>","references":false,"refers_to":false,"permalink":{"id":1441653,"object_type":"law","relational_id":362072,"identifier":"38.2-3304","token":"38.2\/33\/1\/38.2-3304","url":"\/38.2-3304\/","edition_id":2,"permalink":0,"preferred":1},"url":"\/38.2-3304\/","token":"38.2\/33\/1\/38.2-3304","dublin_core":{"Title":"Policy constitutes entire contract; statements deemed representations","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-3304","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

A.<\/span> Each individual life insurance<\/span> policy<\/span> shall contain a provision that the policy<\/span>, or the policy<\/span> and the application for the policy<\/span> if a copy of the application is endorsed upon or attached to the policy<\/span> when issued or delivered, 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 statement shall be used in defense of a claim under the policy<\/span> unless it is contained in a written application that is endorsed upon or attached to the policy<\/span> when issued or delivered. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

C.<\/span> As used in this section, “policy<\/span>” shall include any riders, endorsements or amendments. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nPOLICY CONSTITUTES ENTIRE CONTRACT; STATEMENTS DEEMED REPRESENTATIONS (\u00a7\n38.2-3304)\n\nA. Each individual 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 or delivered,\nshall constitute 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 statement shall be used in defense of a claim under the policy unless it\n is contained in a written application that is endorsed upon or attached to the\n policy when issued or delivered.\n\nC. As used in this section, “policy” shall include any riders,\nendorsements or amendments.\n\nHISTORY: Code 1950, \u00a7 38-371(3); 1950, p. 179; 1952, c. 317, \u00a7 38.1-393; 1986,\nc. 562; 1990, c. 223.","edition":{"id":2,"name":"2026","slug":"2026","date_created":"2026-07-16 18:40:23","date_modified":"2026-08-02 15:14:36","current":1,"order_by":2,"last_import":"2026-08-02 12:37:30"}}