State RegulationsVA specificDifficulty 1/5
Under Va. Code § 38.2-3304, which documents together constitute the entire contract of an individual life insurance policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Va. Code § 38.2-3304 is Virginia's entire-contract provision: the policy together with the copy of the application attached to it and any riders or endorsements constitute the entire contract. Nothing outside those documents — no sales talk, no producer's comments, no internal company papers — can be used to vary or add to the policy's terms. This protects both sides: the policyholder knows exactly what the promise is, and the insurer cannot be bound by unrecorded representations.
Why the other options are wrong
- A) Sales literature and illustrations are outside the contract; the entire contract under Va. Code § 38.2-3304 is the policy, the attached application copy, and riders or endorsements.
- B) Oral promises never enter the contract; the entire-contract clause exists precisely to exclude them.
- D) The insurer's internal underwriting file and manuals are working documents, not contract terms under Va. Code § 38.2-3304.
Memory hook
Policy + attached application + riders = the whole deal; everything else is just talk.