{"data":{"id":"us-va/va.-code-38.2-3304","jurisdiction":"us-va","citation":"Va. Code § 38.2-3304","heading":"Policy constitutes entire contract; statements deemed representations","body":"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.","path":["Title 38.2. INSURANCE","Chapter 33. LIFE INSURANCE POLICIES","Article 1. LIFE INSURANCE POLICIES; ANNUITIES"],"source_url":"https://law.lis.virginia.gov/vacode/38.2-3304/","current_through":"9/4/2026","vintage":"","retrieved_at":"2026-09-04T15:16:05Z","sha256":"6440a013fee0b79879d5b5a91a755ef6fd3332c6d75a2699903d53f292b0340c","source_id":"us-va","stale":true,"prev":"us-va/va.-code-38.2-3303","next":"us-va/va.-code-38.2-3305"},"notice":"GroundRules: Original legal text. Not legal advice."}