Iowa Code

Iowa Code § 511.34 (2026)

Failure to attach — defenses — estoppel

✓ current as of July 2026

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The omission so to do shall not render the policy invalid, but if any company or association neglects to comply with the requirements of section 511.33, the company or association shall forever be precluded from pleading, alleging, or proving such application or representations, or any part thereof, or the falsity thereof, or any part thereof, in any action upon the policy, and the plaintiff in any such action shall not be required, in order to recover against the company or association, either to plead or prove such application or representation, but may do so at the plaintiff’s option. [C97, §1819; C24, 27, 31, 35, 39, §8773; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §511.34] 2016 Acts, ch 1011, §94 Similar provisions, §515.134

Notes of Decisions

Cited in 2 cases, 1953–1954 · leading case: Crandall v. Bankers Life Co., 62 N.W.2d 169 (Iowa 1954).

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Crandall v. Bankers Life Co., 62 N.W.2d 169 (Iowa 1954). · cites it 4× “She also maintained there was not a true copy attached and that by virtue of section 511.34, 1950 Code, the defendant was estopped from making any defense to payment.”

McNabb v. State Farm Life Ins., 116 F. Supp. 641 (S.D. Iowa 1953). · cites it 2× “33 and the company is not precluded by Section 511.34 from pleading, alleging or proving the falsity of the application or representations.”

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