It shall be unlawful for any insurance company transacting business within this state, under the provisions of this chapter , to write or use any form of policy or contract of insurance, on the life of any individual in this state, until a copy of such form of policy or contract has been filed with and approved by the commissioner of insurance. [S13, §1783-a; C24, 27, 31, 35, 39, § 8668; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §508.25 ]