The 'entire contract' provision in a life insurance policy states that the complete agreement between the parties consists of:
Explanation
The entire contract provision provides that the policy, the attached copy of the application, and any attached riders or endorsements together make up the whole agreement, so nothing outside those documents can be used to alter it. The printed policy alone is incomplete without the application. Verbal promises by the producer and marketing materials are not part of the contract. This provision protects the insured by preventing the insurer from relying on outside documents to change coverage.
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