State RegulationsAZ specificDifficulty 2/5
During underwriting, an applicant for an Arizona life policy made oral statements to the producer that were not included in the written application. Under A.R.S. 20-1205, those statements:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Because the policy plus the attached application is the entire contract under A.R.S. 20-1205, oral statements made outside those documents are legally irrelevant. They neither bind the insurer nor add obligations to the insured, and the contestable period under A.R.S. 20-1204 remains fixed at two years from issue regardless of what was said aloud at the sale.
Why the other options are wrong
- A) the statute excludes unwritten statements; nothing converts them into warranties.
- B) producer confirmation cannot bind the insurer outside the entire contract.
- D) the contestable period is fixed at two years and is unaffected by oral statements.
Memory hook
If it isn't in the papers, it isn't in the policy.