Code of Alabama
Chapter 17 - Burial Insurance Policies.
Section 27-17-12 - Policy Provisions - Waiver, etc., of Policy Terms or Conditions.

There shall be a provision that no agent shall have the power or authority to waive, change or alter any of the terms or conditions of any policy; except, that, at the option of the insurer, the terms or conditions may be changed by an endorsement signed by a duly authorized officer of the insurer.