§33-13-2. Standard provisions required.
(a) No policy of life insurance other than industrial,
group, and pure endowments with or without return of premiums or
of premiums and interest, shall be delivered or issued for
delivery in West Virginia unless it contains in substance all of
the provisions required by sections three to fifteen, inclusive,
of this article. This section shall not apply to annuity
contracts nor to any provision of a life insurance policy or
contract supplemental thereto relating to disability benefits or
to additional benefits in the event of death by accident or
(b) Any of such provisions or portions thereof not
applicable to single premium or term policies shall to that
extent not be incorporated therein.