Section 27-16-11
Policy provisions – Waiver, etc., of policy terms or conditions.
There shall be a provision that no agent shall have the power or authority to waive, change or alter any of the terms or conditions of any policy; except, that at the option of the insurer, the terms or conditions may be changed by an endorsement or rider signed by a duly authorized officer of the insurer.
(Acts 1971, No. 407, p. 707, §385.)