Okla. Stat. tit. 36, § 36-4005: Application and policy as entire contract; statements in

application as representations.

There shall be a provision that the policy, or the policy and

the application therefor if a copy of such application is endorsed

upon or attached to the policy when issued, shall constitute the

entire contract between the parties, and that all statements

contained in the application shall, in the absence of fraud, be

deemed representations and not warranties.