(1) No agreement in conflict with, modifying, or extending any contract of insurance
shall be valid unless in writing and made a part of the policy.
(2) No insurer or its representative shall make any insurance contract or agreement
relative thereto other than as is plainly expressed in the policy.
(3) The requirements of this section shall not apply to the granting of additional
benefits to all policyholders of an insurer, or a class or classes of them, which
do not require increases in premium rates or reduction or restrictions of coverage.
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