All of the following are included as part of a contract in the entire contract provision EXCEPT

• A. The policy, riders, and attached endorsements
• B. The application and any riders attached
• C. Changes made by the producer
• D. The entire contract clause

Answer: (C)

The idea behind the entire contract provision is to define exactly which documents make up the contract. It says the policy itself, along with any riders, endorsements, and the application if it is attached, constitute the contract in force. Only those attached documents bind the parties; statements or changes that aren’t attached don’t become part of the contract. Changes made by the producer aren’t part of the contract unless they’re properly endorsed and attached as riders or endorsements. That’s why this option is the exception—the producer’s unilateral changes aren’t included as part of the contract under the entire contract provision. The policy, the riders and endorsements, and the attached application (if any) are included, and the entire contract clause itself is a defined part of the policy.