Arizona Statutes
§ 20-1345 — Policy and attachments as entire contract; changes in policy
Arizona·Title 20 Arizona Revised Statutes·Ch. 6 PARTICULAR TYPES OF INSURANCE·Art. 4 Disability Insurance
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."
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