State RegulationsMI specificDifficulty 1/5
After an individual accident and health policy is issued in Michigan, how can its terms validly be changed?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
M.C.L. 500.3407 places the entire-contract and changes clause in every individual accident and health policy: no change in the policy is valid unless approved by an executive officer of the insurer and endorsed on or attached to the policy itself. This closes the door on oral side agreements and producer improvisation, so the insured can rely on the written contract alone.
Why the other options are wrong
- B: A verbal agreement with the producer has no contractual force; producers have no authority to alter policy terms.
- C: An underwriting-file notation is an internal insurer record, not an endorsement to the policy delivered to the insured.
- D: A mailing alone does not satisfy the required executive-officer approval and written endorsement under M.C.L. 500.3407.
Memory hook
Change it in writing, over an executive officer's signature — or it never happened.