KRS 304.14-180: Must contain entire contract -- Exception concerning additional

benefits.

(1) No agreement in conflict with, modifying, or extending any contract of insurance

shall be valid unless in writing and made a part of the policy.

(2) No insurer or its re presentative shall make any insurance contract or agreement

relative thereto other than as is plainly expressed in the policy.

(3) The requirements of this section shall not apply to the granting of additional

benefits to all policyholders of an insurer, or a class or classes of them, which do

not require increases in premium rates or reduction or restrictions of coverage.