KRS 304.16-140: Application to be attached to policy -- Legal effect of statements in

contract.

There shall be a provision that a copy of the application, if any, of the policyholder shall

be attached to the policy when issued; that all statements made by the poli cyholder or by

the persons insured shall be deemed representations and not warranties; and that no

statement made by any person insured shall be used in any contest unless a copy of the

instrument containing the statement is or has been furnished to such p erson or to his

beneficiary.