KRS 303.110: Application, constitution or bylaws affecting contract to accompany policy.

(1) All policies issued to persons within this state that contain any reference to the

application of the insured or the constitution, bylaws or other rules of the

association, either as forming a part of the policy or contract between the parties

thereto or having any bearing on the contract, shall contain or have attached to the

policy a correct copy of the application as signed by the applicant, and the portions

of the constitution, bylaws or other rules referred to.

(2) Unless attached and accompanyin g the policy, no application, constitution, bylaws

or other rules shall be received as evidence in any controversy between the parties

to or interested in the policy, and shall not be considered a part of the policy or

contract between the parties.