State RegulationsAZ specificDifficulty 1/5
Under A.R.S. 20-1205, the entire contract of an Arizona life policy consists of:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
A.R.S. 20-1205 provides that the life policy, together with a copy of the application attached, constitutes the entire contract. Nothing outside those documents can vary the parties' rights, which forecloses reliance on undocumented producer statements or side agreements when a dispute later arises over what was promised.
Why the other options are wrong
- A) oral producer promises are outside the contract and cannot vary it.
- B) field notes are working documents, not components of the contract.
- C) the policy alone is incomplete; the attached application is part of the contract.
Memory hook
Policy plus paper application: the whole deal.