Michigan Compiled Laws

Mich. Comp. Laws § 500.4434 (2026)

Entire contract; provision; application; representations.

✓ current as of July 2026

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THE INSURANCE CODE OF 1956

Act 218 of 1956

500.4434 Entire contract; provision; application; representations.

Sec. 4434.

Each group life insurance policy shall contain a provision that the policy and the applications of the employer and, if applicable, of the individual employees insured, are the entire contract between the parties, and that all statements made by the employer or by the individual employees shall, in the absence of fraud, be considered representations and not warranties. Any such statement shall not be used in defense to a claim under the policy, unless the statement is contained in a written application. For purposes of this section, an enrollment form is not an application described in this section.

History: 1956, Act 218, Eff. Jan. 1, 1957 ;-- Am. 2014, Act 139, Eff. Mar. 31, 2015

PopularName Notes:

Act 218

Notes of Decisions

Cited in 4 cases, 1959–1997 · leading case: Freeman v. Massachusetts Mut. Life Ins., 183 N.W.2d 832 (Mich. Ct. App. 1978).

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Freeman v. Massachusetts Mut. Life Ins., 183 N.W.2d 832 (Mich. Ct. App. 1978). “In support of this contention defendant cites OL 1948, § 500.4434 (Stat Ann 1957 Rev § 24.14434) which states in part: “There shall be a provision that the policy, the application of the employer and the individual ap *578 plicants, if any, of the employes insured, shall…”

Smith v. Globe Life Ins., 565 N.W.2d 877 (Mich. Ct. App. 1997). · cites it 3× “A second provision in the insurance contract section of the Insurance Code, MCL 500.2218(4); MSA 24.12218(4), addresses the effect of false statements in an application for an insurance contract: A misrepresentation that an applicant for life, accident or health insurance has…”

Smillie v. Travelers Ins., 302 N.W.2d 258 (Mich. Ct. App. 1980). “” *783 The trial court held controlling the following clause, contained in a rider to the master policy: "Each eligible Employee is to be insured, subject to the provisions of subparagraph (2) below: * * * «II * * * "(a) provided that no Employee who is not actively at work…”

Metro. Life Ins. v. Daniel, 175 F. Supp. 379 (E.D. Mich. 1959). “1956, § 500.4434 (M.S.A. § 24.-14434). In discussing the above statute and dealing again with a bill of interpleader to determine the rights of beneficiaries under a group life insurance policy, the Supreme Court of Michigan in Chrysler Corp.”

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