West Virginia Code § 33-13-46

Same -- Prohibited provisions
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No policy of industrial life insurance shall contain any of the following provisions:
(a) A provision by which the insurer may deny liability under the policy for the reason that
the insured has previously obtained other insurance from the same insurer.
(b) A provision giving the insurer the right to declare the policy void because the insured has
had any disease or ailment, whether specified or not, or because the insured has received
institutional, hospital, medical or surgical treatment or attention, except a provision which
gives the insurer the right to declare the policy void if the insureud has, within two years
prior to the issuance of the policy, received institutional, hospital, medical or surgical
treatment or attention and if the insured or claimant under the policy fails to show that the
condition occasioning such treatment or attention was not of a serious nature or was not
material to the risk.
(c) A provision giving the insurer the right to declalre the policy void because the insured has
been rejected for insurance, unless such rights be conditioned upon a showing by the insurer
that knowledge of such rejection would have led to a refusal by the insurer to make such
contract. i

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