KRS 299.130: Application, rule or bylaw referred to as having bearing on contract must

accompany policy -- Use as evidence -- Type size.

All policies issued by a company to persons within this state, which policies contain any

reference to the application of the i nsured, or the bylaws or rules of the company, either

as forming part of the policy or contract between the parties thereto or as having any

bearing on the contract, shall have the application, bylaws and rules or the parts thereof

relied upon as forming p art of the policy or contract, or as having any bearing on the

contract, attached to the policy or printed on the face or reverse side thereof. Unless either

so attached and accompanying the policy, or printed on the face or reverse side thereof,

the same shall not be received as evidence in any action for the recovery of benefits

provided by the policy, and shall not be considered a part of the policy or of the contract

between the parties, but nothing in this section is intended to apply to evidence used in

the reinstatement of a policy. The policy and the rules and regulations shall be printed,

and no portion thereof shall be in type smaller than brevier.