State RegulationsNY specificDifficulty 1/5
An individual accident and health policy is delivered to a policyholder in Manhattan. Under the entire contract provision required by N.Y. Ins. Law §3216(d)(1)(A), what constitutes the entire contract of insurance?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under N.Y. Ins. Law §3216(d)(1)(A), every individual accident and health policy delivered or issued for delivery in New York must provide that the policy, including the endorsements and the attached papers, if any, constitutes the entire contract of insurance. Oral sales talk, brochures, and correspondence fall outside the contract, which is why consumers must verify that promised benefits actually appear in the policy before relying on them.
Why the other options are wrong
- B) Oral statements by the producer are not part of the contract; only the policy, its endorsements, and attached papers are included.
- C) Advertising brochures and rate schedules are sales materials, not contract documents, and cannot enlarge the policy's benefits.
- D) Correspondence with the agent does not become part of the contract; the entire contract is the policy plus endorsements and attached papers.
Memory hook
Entire contract = policy + endorsements + attached papers; nothing else.