Va. Code § 38.2-3304: Policy constitutes entire contract; statements deemed representations

A. Each individual life insurance policy shall contain a provision that the policy, or the policy and the application for the policy if a copy of the application is endorsed upon or attached to the policy when issued or delivered, shall constitute the entire contract between the parties.B. The provision shall also state that:1. All statements made by the insured shall, in the absence of fraud, be deemed representations and not warranties; and2. No statement shall be used in defense of a claim under the policy unless it is contained in a written application that is endorsed upon or attached to the policy when issued or delivered.C. As used in this section, "policy" shall include any riders, endorsements or amendments.Code 1950, § 38-371(3); 1950, p. 179; 1952, c. 317, § 38.1-393; 1986, c. 562; 1990, c. 223.