Maryland Statutes
Subtitle 2 - Life Insurance Policy Provisions
Section 16-204 - Contract Between Parties; Effect of Statements in Application

(a)    Each policy of life insurance shall contain a provision that the policy, or the policy and the application for the policy if a copy of the application is endorsed on or attached to the policy when issued, constitute the entire contract between the parties.
    (b)    If the application is made part of the policy, the policy shall contain a provision that the statements in the application, in the absence of fraud, are considered representations and not warranties.

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