Life Policy ProvisionsQuestion 154 of 315
The entire contract clause in a California life policy means that the policy contract consists of which of the following?
a.The policy together with the attached written application
b.The policy and the insurer's underwriting manual
c.The policy only
d.The policy and the agent's sales illustrations
Explanation
Under the entire contract provision, the policy and the application attached to it constitute the entire contract between the parties. Verbal statements, sales illustrations, and underwriting manuals are not part of the contract.
Law Reference: Cal. Ins. Code §10113Practice all 315 questions free — no signup required.
Related questions on this topic
- Under the incontestability clause required in California life policies, after how many years from the date of issue can an insurer no longer contest the policy except for fraud or non-payment of premium?
- What is the free-look period that California requires on a life insurance or annuity policy issued to a senior age 65 or older?
- What is the typical grace period required in a California individual life insurance policy for payment of an overdue premium without lapse of coverage?
- After a life insurance policy has lapsed for non-payment, the reinstatement provision generally requires which of the following from the policyowner?
- If an insured dies by suicide 18 months after the policy was issued, how is the death claim typically handled under the standard California suicide clause?
- If an applicant misstates their age on a life insurance application and the error is discovered after death, what action does the misstatement-of-age provision require?
Last reviewed: · editorial process
Sen Lin, PrepPass Founder · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)