J. MILLARD TAWES, Governor                       1165

pacity to contract, applies therefor, or has consented thereto in writ-
ing, except in the following cases:

(1)   A spouse may effectuate such insurance upon the other spouse.

(2)   Any person having an insurable interest in the life of a
minor, or any person upon whom a minor is dependent for support
and maintenance, may effectuate insurance upon the life of or per-
taining to such minor.

(3)   Family policies insuring any two or more members of a fam-
ily may be issued on an application signed by either parent, a step-
parent, or by a husband or wife.

(4)   Any person having an insurable interest in the life of a per-
son who is legally incompetent to consent to such insurance may,
upon written application, effectuate such insurance upon the life of
such person.

(b) If the application contains an agreement whereby the insurer
is authorized to issue a policy other than that applied for, or to
amend the application, which amendment is to be ratified by the ac-
ceptance by the applicant of the contract as amended, such agree-
ment must contain language substantially as follows: "Except that
no change in amount, classification, plan of insurance or benefits
shall be effective unless agreed to in writing by the applicant."

372. Application as Evidence; Alteration of Application.

(a)   No application for the issuance of any life or health insurance
policy or annuity contract shall be admissible in evidence in any ac-
tion relative to such policy or contract, unless a true copy of the ap-
plication was attached to or otherwise made a part of the policy or
contract when issued. This provision shall not apply to industrial
life insurance policies.

(b)   If any policy of life or health insurance delivered in this
State is reinstated or renewed, and the insured or the beneficiary or
assignee of the policy makes written request to the insurer for a
copy of the application, if any, for such reinstatement or renewal,
the insurer shall, within thirty (30) days after receipt of such re-
quest at its home office or at any of its branch offices, deliver, or mail
to the person making such request a copy of such application. If such
copy is not so delivered or mailed after haying been so requested, the
insurer shall be precluded from introducing the application in evi-
dence in any action or proceeding based upon or involving the policy
or its reinstatement or renewal. In the case of such a request from a
beneficiary, the time within which the insurer is required to furnish
a copy of such application shall not begin to run until after receipt
of evidence satisfactory to the insurer of the beneficiary's vested in-
terest in the policy or contract.

(c)   No alteration of any written application for any life or health
insurance or annuity policy shall be made by any person other than
the applicant without his written consent except that insertions may
be made by the insurer, for administrative purposes only, in such
manner as to indicate clearly that such insertions are not to be
ascribed to the applicant.

373. Dating Back Application.

No insurer shall knowingly deliver or issue for delivery in this
State any life insurance policy which purports to be issued or to take