The Entire Contract. This contract, combined with any amendments (and your completed application), and any other documents referenced in this contract, excluding the Summary of Benefits and Coverage, constitute the entire contract between you and PIC. No change in this contract will be valid until approved by the executive officer of PIC and unless such approval is endorsed hereon or attached hereto. No agent has the authority to change this contract or to waive any of its provisions. PIC has the right to rely upon the information provided as part of your enrollment.
The Entire Contract. The entire Contract consists of the Master Contract, the Master Contract Application, and the Certificate Application. All statements made in the Certificate Application are representations and not warranties. No statement will be used by us in defense of a claim or to void the Certificate unless it is included in an application. If your Certificate is voided, you will receive the sum of any Certificate Fees paid, excluding accrued interest. Unless otherwise specified, all references in this Certificate to days, months, or years shall mean calendar days, months or years. Only our officers are authorized to change the Certificate or waive a right or requirement of the Certificate. No other individual is authorized to do this. We may not modify this Certificate without your signed consent, except to make it comply with any changes in the Code or as required by any other applicable law, or as otherwise permitted by the terms of this Certificate. Incontestability Except as provided in the Entire Contract provision above, this Certificate will be incontestable after it has been in force during your lifetime for a period of two years from the Issue Date.
The Entire Contract. The entire contract includes this document, any riders and endorsements, and the Data Page.
The Entire Contract. The entire contract consists of this policy, the Policy Data page, endorsements, and riders, if any and the application signed by You, a copy of which is attached hereto. No insertion in or other alteration of any written application can be made by any person other than the Owner without his or her written consent except that insertions may be made by the Company for administrative purposes only in such manner as to clearly indicate that the insertions are not to be ascribed to the Owner. All statements in the application made by or under the authority of the applicant are representations and not warranties. Nothing is incorporated by reference, unless a copy is endorsed upon or attached to the Policy. Nothing in the policy or any attached endorsements or riders thereto invalidates or impairs any right granted to the Owner by New York law or this policy. MODIFICATION OF POLICY No change in this policy is valid unless made in writing by us and approved by one of our officers. No Registered Representative has .authority to change or waive any provision of Your policy. TAX QUALIFICATION This policy is intended to qualify as an annuity contract for federal income tax purposes. The provisions of this policy are to be interpreted to maintain such qualification, notwithstanding any other provisions to the contrary. To maintain such tax qualification, we reserve the right to amend this policy to reflect any clarifications that may be needed or are appropriate to maintain such tax qualification or to conform this policy to any applicable changes in the tax qualification requirements. Any such amendment will be filed with and approved by the New York Department of Insurance prior to use. We will send You a copy in the event of any such amendment If You refuse such an amendment it must be by giving us written notice, and Your refusal may result in adverse tax consequences. NON-PARTICIPATING This policy will not share in our surplus earnings. AGE OR SEX CORRECTIONS If the age or sex of the Annuitant has been misstated, the benefits will be those, which the premiums paid, would have purchased for the correct age and sex. If required by law to ignore differences in the sex of the Annuitant, the annuity payments will be determined using the unisex factors. Any underpayment made by us will be paid with the next payment Any overpayment made by us will be deducted from future payments. Any underpayment or overpayment will include interest at 5% per year, from the date of th...
The Entire Contract. The entire contract consists of this Contract, any written applications, the annuity data page and any Contract endorsements and riders. All statements made in written applications are representations and not warranties. No statement will be used by us in defense of a claim or to void the Contract unless it is included in a written application. If your Contract is voided, you will receive any purchase payments less any withdrawals, excluding accrued interest. Unless otherwise specified, all references in this Contract to days, months, or years shall mean calendar days, months or years. Only our officers are authorized to change the Contract or waive a right or requirement of the Contract. No other individual is authorized to do this. We may not modify this Contract without your signed consent, except to make it comply with any changes in the Internal Revenue Code or as required by any other applicable law, or as otherwise permitted by the terms of this Contract. Incontestability Except as provided in the Entire Contract section above, this Contract will be incontestable after is has been in force during your lifetime for a period of two years from the Issue Date.
The Entire Contract. The written application for the policy is attached to the policy at issue. This policy, including the Schedule Pages, any riders, amendments, or endorsements to it, and the application for it, including any verbal or electronic statements as defined below, constitute the entire contract between you and us. We rely on all statements made by or for the Insured in the written application (including any supplemental or reinstatement application) or on verbal or electronic statements for which you have received notice that the responses are part of your application. Each oral, written or electronic statement made in an application will, in the absence of fraud, be deemed a representation and not a warranty. No statement will be used to void this policy or in defense of a claim under this policy unless:
The Entire Contract. The entire Contract consists of this Contract, any attached application, and any attached endorsements. All statements made in written applications are representations and not warranties. We will not use any statement in defense of a claim or to void the Contract unless it is included in a written application. Only our officers may change the Contract or waive a right or requirement. No other individual may do this. We may not modify this Contract without your consent, except to make it comply with any changes in the Internal Revenue Code or as required by any other applicable law.
The Entire Contract. The entire contract consists of the Master Policy, the Master Policy application, and any written enrollments, any endorsements, and any riders. All statements made in written enrollments are representations and not warranties. No statement will be used by us in defense of a claim or to void the Certificate unless it is included in a written enrollment. Only our officers may, in order to conform to any state or federal law, change the Master Policy or Certificate or waive a right or requirement. No other individual may do this. MASTER POLICYHOLDER The Master Policyholder may be amended by us, terminated by us, or terminated by the Master Policyholder without the consent of any other person. No termination completed after the issue date of this Certificate will adversely affect your rights under this Certificate. We may not modify this Certificate without your consent, except to make it comply with any changes in the Internal Revenue Code or as required by any other applicable law.
The Entire Contract. The entire contract consists of this Contract, the attached application, and any attached endorsements. All statements made in written applications are representations and not warranties. No statement will be used by us in defense of a claim or to void a Contract unless it is included in a written application. Only our officers may change the Contract or waive a right or requirement. No other individual may do this. Any such change or waiver must be in a written endorsement and will be subject to approval by the Superintendent of Insurance of the State of New York. We may not modify this Contract without your consent, except to make it comply with any changes in the Internal Revenue Code or as required by any other applicable law.
The Entire Contract. Unless otherwise provided in this contract, the Human Resource Law in the Federal Government and Executive Regulations thereof, shall apply.
