§ 26-15-112 — Standard and uniform provisions of policies

(a) Insurance contracts shall contain any standard or
uniform provisions required by the applicable provisions of this
code pertaining to contracts of particular kinds of insurance.
The commissioner may waive the required use of a particular
provision in a particular insurance policy form if:
(i) He finds the provision unnecessary for the
insured's protection and inconsistent with the policy's
purposes; and
(ii) He otherwise approves the policy.
(b) No policy shall contain any provision inconsistent
with or contradictory to any standard or uniform provision used
or required to be used, but the commissioner may approve any
substitute provision which, in his opinion, is not less
favorable in any particular to the insured or beneficiary than
the provisions otherwise required.
(c) Instead of the provisions required by this code for
contracts for particular kinds of insurance, substantially
similar provisions required by the law of the domicile of a
foreign or alien insurer may be used if the commissioner
approves.
(d) A policy issued by a domestic insurer for delivery in
another jurisdiction may contain any provision required or
permitted by the laws of that jurisdiction.