State RegulationsOH specificDifficulty 1/5
Under the Ohio standard provisions for individual life policies, which documents together constitute 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
ORC 3915.05(C) provides that the policy, together with the application — a copy of which must be endorsed on or attached to the policy — constitutes the entire contract. Nothing outside those two documents can be used to vary the agreement. This protects the insured: an insured cannot be surprised at claim time by statements or materials that were never incorporated into the delivered policy.
Why the other options are wrong
- B) Agent's interview notes are not part of the contract; only the policy and the endorsed application copy form the entire contract under ORC 3915.05(C).
- C) The medical examiner's informal findings are not incorporated; ORC 3915.05(C) limits the entire contract to the policy and the application copy.
- D) The insurer's internal underwriting file stays internal and is not part of the entire contract defined by ORC 3915.05(C).
Memory hook
Entire contract = policy + application copy stapled to it, nothing more.