人寿保单条款第 544 / 716 题
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
解析
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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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)