Arkansas Life and Health Insurance Practice Exam

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Which provision requires the application, the contract itself and any riders to be attached to establish a complete contract?

  1. Entire Contract Provision

  2. Incontestable Clause

  3. Misstatement of Age Provision

  4. Policy Reinstatement Provision

The correct answer is: Entire Contract Provision

In order for a contract to be considered complete, the entire contract provision requires that the application, the contract itself, and any riders be attached. This provision ensures that all documents are considered together and there are no missing pieces that may affect the terms of the contract. Option B, the incontestable clause, pertains to the contestability period of a life insurance policy and has no relevance to this question. Option C, the misstatement of age provision, addresses the consequences of a misstatement of age on a policy. Option D, the policy reinstatement provision, outlines the procedures for reinstating a lapsed policy, and has no relevance to the contract being considered complete.

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