Okla. Stat. tit. 36, § 36-4205: Application and policy as entire contract; statements in

application as representations.

There shall be a provision that the policy shall constitute the

entire contract between the parties, or, if a copy of the

application is endorsed upon or attached to the policy when issued,

a provision that the policy and the application therefor shall

constitute the entire contract. If the application is so made a

part of the contract, the policy shall also provide that all

statements made by the applicant in such application shall, in the

absence of fraud, be deemed to be representations and not

warranties.