Every policy of life, disability, or life and disability insurance issued or delivered within this State on or after the first day of January, 1936, by any insurer doing such business within this State shall contain and be deemed to constitute the entire contract between the parties and nothing shall be incorporated therein by reference to any constitution, by-laws, rules, application or other writings, of either of the parties thereto or of any other person, unless the same are indorsed upon or attached to the policy; and all statements purporting to be made by the insured shall, in the absence of fraud, be representations and not warranties. Any waiver of the provisions of this section shall be void.
Cal. Ins. Code § 10113
General Provisions
Known as the Health Insurance Disclosure Act
The act spans §§ 10110–11549 (1,209 sections).
Applied in 10 court decisions — leading case Ransom v. Penn Mutual Life Insurance (1954)
Most recently applied in Wishnev v. Northwestern Mutual Life Insurance Co. (January 2018)
Added by Stats. 1935, Ch. 245.
How often courts cite this section
Court decisions citing this, by year. The dip in the last several years is a data-coverage gap, not a real trend — our corpus holds fewer opinions from the most recent years, so recent citations are undercounted.
Official source: California Legislative Information. Reproduced from public-domain California statutes; confirm against the official source for the current text. Not legal advice.