General Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
A life insurance policy is issued with the signed application attached to it. For purposes of the insurance contract, the application is:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The signed application is attached to and made part of the life insurance policy, so the two documents together constitute the entire contract. Statements in the application are incorporated into the contract and can be relied on by the insurer, which is why accuracy at the time of application is so important. The application is a contract document, not a mere preliminary form.
Why the other options are wrong
- B) The application remains part of the contract and can be used to establish warranties and representations.
- C) The application binds the contracting parties, not only the applicant's heirs.
- D) The application is made to the insurer and becomes part of the policy, not a side agreement with the agent.
Memory hook
Application + policy = the whole deal. What you signed on the front end lives on in the contract.