State RegulationsMA specificDifficulty 2/5
Which combination makes up the entire contract for an individual accident and health policy in Massachusetts?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
The required entire-contract provision of M.G.L. c. 175, § 108(3)(a) fixes the contract's boundaries: the policy plus the copy of the written application attached to it constitute the entire contract. Only statements that appear in the attached application may be used by the insurer in defending against a claim, and nothing else — illustrations, oral remarks, underwriting notes — enlarges or diminishes that contract. The attachment requirement is what makes application statements usable at all.
Why the other options are wrong
- A) Sales illustrations and underwriting files are outside the entire contract defined by M.G.L. c. 175, § 108(3)(a).
- B) Application statements are not automatically excluded; once the application is attached, its statements are part of the contract and may be used in defense.
- C) Oral statements at the sale are not contract terms under M.G.L. c. 175, § 108(3)(a); later attachments cannot retroactively reshape the entire contract either.
Memory hook
Policy plus attached application — nothing more makes the contract whole.