KRS 304.14-090: Alteration of application.

(1) Any application for insurance in writing by the applicant shall be altered solely by

the applicant or by his written consent, except that insertions may be made by the

insurer for administrative purposes only in such manner as to indicate clearly that

such insertions are not to be ascribed to the applicant.

(2) No person shall falsify or cause to be falsified, in any application for insurance, any

answer to a question propounded to the applicant therein, or insert or cause to be

inserted therein, except as provided in subsection (1) of this section, any statement

to be made by such applicant other than the statement made by the applicant.

(3) An insurer issuing a policy upon an application which has been unlawfully altered

by its officer, employee, or agent shall not have available in any action arising out

of such policy, any defense based upon the fact of such alteration, or as to any item

which was so altered.