20-1304. Application and policy as entire
contract; statements of applicant as representations


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. If the application is so made a part of the contract, the
policy shall also provide that all statements made by the applicant in such application
shall, in the absence of fraud, be deemed to be representations and not warranties.