KRS 304.17-040: Required provisions -- Captions -- Omissions -- Substitutions.

(1) Except as provided in subsection (2) of this section, each such policy delivered or

issued for delivery to any person in this state shall contain the provisions specified

in KRS 304.17 -050 to 304.17 -160, inclusive, in the words in which the same

appear; except, that the insurer may at its option, substitute for one (1) or more of

such provisions corresponding provisions of different wording approved by the

commissioner which are in each instance not less favorable in any respect to the

insured or the beneficiary. Each such provision shall be preceded individually by the

applicable caption shown, or, at the option of the insurer, by such appropriate

individual or group captions or subcaptions as the commissioner may approve.

(2) If any such provision is in wh ole or in part inapplicable to or inconsistent with the

coverage provided by a particular form of policy, the insurer, with the approval of

the commissioner, shall omit from such policy any inapplicable provision or part of

a provision, and shall modify an y inconsistent provision or part of a provision in

such manner as to make the provision as contained in the policy consistent with the

coverage provided by the policy.