(a) 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.
(b) If the application is so made a part of the contract, the policy shall also provide that, in the absence of fraud, all statements made by the applicant in such an application shall be deemed to be representations and not warranties.
Structure Arkansas Code
Title 23 - Public Utilities and Regulated Industries
Chapter 82 - Industrial Life Insurance
§ 23-82-103. Application to term and specified insurance
§ 23-82-104. Policies prohibited
§ 23-82-105. Grace period provision
§ 23-82-106. Integrity of contract and application provision
§ 23-82-107. Incontestability provision
§ 23-82-108. Misstatement of age provision
§ 23-82-109. Dividend provision
§ 23-82-110. Nonforfeiture benefits and cash surrender value provisions
§ 23-82-111. Reinstatement provision
§ 23-82-112. Settlement provision
§ 23-82-113. Authority to alter contract provision
§ 23-82-114. Designation of beneficiary — Payment upon insured's death
§ 23-82-115. Direct payment of premiums provision