Texas Insurance Code - INS § 1201.207. Policy Provision: Entirety of Contract; Policy Changes

An individual accident and health insurance policy must contain the following provision:

“Entire Contract; Changes: This policy, including the endorsements and the attached papers, if any, constitutes the entire contract of insurance. A change in this policy is not valid until the change is approved by an executive officer of the insurer and unless the approval is endorsed on or attached to the policy. An agent does not have authority to change this policy or to waive any of its provisions.”