Iowa Code § 515.134: Failure to attach — effect.

If any company or association neglects to comply with the requirements of section 515.133, the omission shall not render the policy invalid, but the company or association shall forever be precluded from pleading, alleging, proving, or establishing the falsity of the application or representations, or any part of the application or representations, in any action upon the policy. The plaintiff in any such action shall not be required, in order to recover against the company or association, either to plead or prove the application or representation, but may do so at the plaintiff’s option.