Common use of ENTIRE CONTRACT; CHANGES Clause in Contracts

ENTIRE CONTRACT; CHANGES. This Policy, together with the attached application (including all underwriting questionnaires and any application supplements) and any attached amendments, endorsements, riders, and additional benefits, are the entire contract and constitute the “Policy.” Statements in the application are representations and not warranties. This Policy may be changed by the Company, without the Owner’s consent, to maintain compliance with applicable state and federal law or to assure continued qualification of this Policy as life insurance under federal or state tax laws or to reflect a change in the operation of the Separate Account. The Owner may request changes to this Policy (including but not limited to changes to the Specified Amount, adding any available additional benefits or riders, or removing existing benefits or riders, or rate classification reconsideration) subject to availability, conditions, and underwriting requirements set by the Company at the time of the request. Amended Policy Schedule Pages will be sent to the Owner to reflect the Policy changes. Any subsequent application to reinstate or change this Policy will also become part of the contract. A change in the terms of, or a waiver of the Company’s rights under, this Policy is valid only if approved in writing by an officer of the Company. The Company may require that this Policy be sent to it to show a change or a waiver. No agent has the authority to change this Policy or to waive the Company’s rights.