(a) Every insurance contract shall be construed according to the entirety of its terms and conditions as set forth in the policy and as amplified, extended, or modified by any rider, endorsement, or application which is a part of the policy.
(b) A clause in any policy of life insurance, including burial insurance, providing that such policy shall be incontestible after a specified period shall preclude only a contest of the validity of the policy and shall not preclude the assertion at any time of defenses based upon provisions in the policy which exclude or restrict coverage, whether or not such restrictions or exclusions are excepted in such clause.
Structure Code of Alabama
Chapter 14 - The Insurance Contract.
Section 27-14-1 - Definitions.
Section 27-14-2 - Applicability of Chapter.
Section 27-14-3 - Insurable Interest - Personal Insurance; Preneed Contracts.
Section 27-14-4 - Insurable Interest - Property Insurance.
Section 27-14-5 - Power to Contract; Purchase of Insurance by or for Minors.
Section 27-14-7 - Application for Policy - Representations and Misrepresentations, Etc.
Section 27-14-8 - Forms - Filing and Approval or Disapproval.
Section 27-14-9 - Forms - Grounds for Disapproval or Withdrawal of Previous Approval.
Section 27-14-10 - Standard or Uniform Provisions; Waiver or Substitution Thereof.
Section 27-14-11 - Contents of Policies - Generally.
Section 27-14-12 - Contents of Policies - Additional Provisions.
Section 27-14-13 - Charter, Bylaws, etc., of Insurer as Part of Contract.
Section 27-14-14 - Execution of Policies.
Section 27-14-15 - Underwriters' and Combination Policies.
Section 27-14-16 - Noncomplying Policies, Riders, and Endorsements.
Section 27-14-17 - Construction of Policies.
Section 27-14-19 - Delivery of Policies.
Section 27-14-19.1 - Electronic Delivery of Property or Casualty Insurance Policy.
Section 27-14-20 - Renewal or Extension of Policies.
Section 27-14-21 - Assignment of Policies.
Section 27-14-22 - Situs of Contracts.
Section 27-14-23 - Effect of War on Contracts of Foreign Insurer.
Section 27-14-24 - Effect of Payments.
Section 27-14-25 - Receipt and Giving of Acquittance and Discharge for Payment by Minors.
Section 27-14-26 - Forms for Proof of Loss.
Section 27-14-27 - Acts Not Deemed Waiver of Provisions or Defenses.
Section 27-14-28 - Effect of Misrepresentations in Proof of Loss.
Section 27-14-30 - Right to Proceeds When Same Retained by Life Insurer.
Section 27-14-31 - Exemption From Debt of Proceeds - Disability.
Section 27-14-32 - Exemption From Debt of Proceeds - Annuity Contracts.