Cal. Insurance Code § 10328 : California Insurance Code — Classes Of Insurance — Standard Provisions In Disability Policies — Policy Form Generally-Uniform Provisions — Policy provisions not subject to Article 4a or 5a make policy less favorable to insured or beneficiary Date: 15 Sep 2016 TEXT PDF Current through the 2016 Legislative Session No policy provision which is not subject to Article 4a or 5a of this chapter shall make a policy or any portion thereof less favorable in any respect to the insured or the beneficiary than the provisions thereof which are subject to such articles. Ca. Ins. Code § 10328