20-1345. Policy and attachments as entire
contract; changes in policy


There shall be a provision as follows: "Entire contract; changes: This policy,
including the endorsements and the attached papers, if any, constitutes the entire
contract of insurance. No change in this policy shall be valid until approved by an
executive officer of the insurer and unless such approval be endorsed hereon or attached
hereto. No agent has authority to change this policy or to waive any of its provisions."