3.9.1 Entire Contract Provision
The entire contract provision means that the life insurance policy along with the application represents the complete contract. The insurer has no leeway to make arbitrary changes at their will and surprise policyowners when a claim is presented.
Neither company rules nor oral understandings have any bearing on the contract unless they were included in the policy or the attached application prior to the policy's being issued.
Once a policy has been issued, the only changes that can be made are by the policyowner through riders, endorsements, or amendments.
