§431:10-220  Policy must contain entire
contract.  (a)  No agreement in conflict with, modifying, or extending any
contract of insurance shall be valid unless in writing and made a part of the
policy.



(b)  No insurer or its representatives shall
make any insurance contract or agreement relative thereto that is not plainly
expressed in the policy.



(c)  The requirements of this section shall not
apply to the granting of additional benefits to all policyholders of the
insurer, or a class or classes of them, which do not require increases in
premium rates or reduction or restrictions of coverage. [L 1987, c 347, pt of
§2]