Under CIC Section 10113, a disability insurance policy issued in California constitutes the entire contract between the parties:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CIC Section 10113 requires every life, disability, or life and disability policy to contain and be deemed to constitute the entire contract between the parties, and provides that nothing shall be incorporated by reference to any constitution, bylaws, rules, application, or other writings unless the same are endorsed upon or attached to the policy. This entire-contract rule prevents the insurer from relying on documents the insured never saw. The section also provides that statements made by the insured are representations, not warranties, absent fraud, and that any waiver of the section is void.
Why the other options are wrong
- B) The two-year period relates to time-limit-on-defenses provisions, not to when the entire-contract rule takes effect; the rule applies from issuance.
- C) No separate acknowledgment is required; attachment of the application and other documents makes the contract complete.
- D) Delivery method does not affect the entire-contract provision; the requirement is that documents be attached or endorsed.
Memory hook
What you see is what the contract is. No attachments, no hidden terms; the policy and its attachments are the whole deal.