§ 26-15-115 — Adoption of charter and bylaws by reference prohibited

No policy shall contain any provision purporting to make any
portion of the charter, bylaws or other constituent document of
the insurer, other than the subscriber's agreement or power of
attorney of a reciprocal insurer, a part of the contract unless
that portion is set forth in full in the policy. Any policy
provision in violation of this section is invalid.