Virginia § 38.2-3304 - Policy constitutes entire contract; statements deemed representations
Full text of Virginia Code of Virginia § 38.2-3304 — Policy constitutes entire contract; statements deemed representations, with citation guidance and answers to common questions.
§ 38.2-3304. Policy constitutes entire contract; statements deemed representations
A. Each individual life insurance policy shall contain a provision that the policy, or the policy and the application for the policy if a copy of the application is endorsed upon or attached to the policy when issued or delivered, shall constitute the entire contract between the parties.
B. The provision shall also state that:
1. All statements made by the insured shall, in the absence of fraud, be deemed representations and not warranties; and
2. No statement shall be used in defense of a claim under the policy unless it is contained in a written application that is endorsed upon or attached to the policy when issued or delivered.
C. As used in this section, "policy" shall include any riders, endorsements or amendments.
Code 1950, § 38-371(3); 1950, p. 179; 1952, c. 317, § 38.1-393; 1986, c. 562; 1990, c. 223.
Source: official Virginia text · Last verified 2026-08-27
Frequently Asked Questions About Virginia § 38.2-3304
What does Code of Virginia § 38.2-3304 cover?
Section 38.2-3304 ("Policy constitutes entire contract; statements deemed representations") is part of the Code of Virginia, the codified statutory law of Virginia. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Virginia § 38.2-3304?
A common citation format is "Code of Virginia § 38.2-3304" (Virginia). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Virginia law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Virginia official source linked on this page or consult a licensed Virginia attorney.
How does Virginia § 38.2-3304 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Virginia can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Virginia.