West Virginia Code § 33-13-1

Scope of article
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This article applies to life insurance (including annuities), other than reinsurance and group
life insurance (including group annuities); except that sections sixteen (contestability as to
excluded or restricted coverage), twenty-five (limitation of liability), twenty-six
(incontestability after reinstatement), twenty-nine (dual pay policies), thirty (standard
nonforfeiture law) and sections thirty-one to forty-six, inclusive (which speciefically relate
only to industrial life insurance), shall be the only sections of this article which apply to
industrial life insurance. r

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