BILL NUMBER: SB 1212INTRODUCED BILL TEXT INTRODUCED BY Senator Calderon FEBRUARY 22, 2012 An act to amend Section 10113 of the Insurance Code, relating to insurance. LEGISLATIVE COUNSEL'S DIGEST SB 1212, as introduced, Calderon. Insurance. Under existing law, every policy of life, disability, or life and disability insurance issued or delivered within this state by any insurer doing such business within this state is required to contain and is deemed to constitute the entire contract between the parties and, except as specified, nothing shall be incorporated by reference, as specified. This bill would make a technical, nonsubstantive change to that section. Vote: majority. Appropriation: no. Fiscal committee: no. State-mandated local program: no. THE PEOPLE OF THE STATE OF CALIFORNIA DO ENACT AS FOLLOWS: SECTION 1. Section 10113 of the Insurance Code is amended to read: 10113. Every policy of life, disability, or life and disability insurance issued or delivered within this State on or after the first day of January, 1936, by any insurer doing such business within this State shall contain and shall be deemed to constitute the entire contract between the parties and nothing shall be incorporated therein by reference to any constitution, by-laws, rules, application or other writings, of either of the parties thereto or of any other person, unless the same are indorsed upon or attached to the policy; and all statements purporting to be made by the insured shall, in the absence of fraud, be representations and not warranties. Any waiver of the provisions of this section shall be void.