Life Policy ProvisionsQuestion 544 of 716
Under the entire contract provision, the insurer may NOT:
a.Amend the policy later by referencing the insurer's bylaws or other documents not attached to the contract
b.Include an insuring clause stating its promise to pay
c.Attach a copy of the application to the issued policy
d.Attach the application to the policy and treat the two documents together as constituting the entire agreement between the insurer and the policyowner
Explanation
The entire contract provision means the policy plus the attached application form the whole agreement; the insurer cannot alter it by pointing to outside documents such as its bylaws. Attaching the application, incorporating it, and including an insuring clause are all normal and permitted.
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Related questions on this topic
- An insured dies by suicide 14 months after the policy was issued. The insurer will most likely:
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- Which right belongs to the policyowner rather than to the insured (when they are different people)?
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Last reviewed: · editorial process
PrepPass team · 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)