N.D. Cent. Code § 26.1-33-10: Agreement depriving insured in life policy of right to apportionment of surplus and automatic insurance void

No agreement between a life insurance company and a holder of a participating policy or an applicant for insurance under a participating policy relating to the apportionment annually of the surplus of the company, the rights of the policyholder in the surplus, automatic insurance, or to the limitation on contingency reserves waives any of the provisions of this chapter relating thereto.