41-2105 — ENTIRE CONTRACT -- CHANGES

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                                  TITLE  41
                                  INSURANCE
                                  CHAPTER 21
                        DISABILITY INSURANCE POLICIES
    41-2105.  ENTIRE CONTRACT -- CHANGES. There shall be a provision as
follows:
    "Entire Contract; Changes: This policy, including the endorsements and the
attached papers, if any, constitute the entire contract of insurance. No
change in this policy shall be valid until approved by an executive officer of
the insurer and unless such approval be endorsed hereon or attached hereto. No
agent has authority to change this policy or to waive any of its provisions."