Al was named the beneficiary in his mother's life insurance policy. His mother died during the contestable period. The insurer denied payment, citing a material misrepresentation on the application. Al believes the insurer should pay the claim because the misrepresentation occurred on the application, and the application is not part of the formal agreement between the insurer and the policyholder. Which provision protects the insurer by making the application part of the formal agreement between the parties to the contract?

Entire contract clause

Explanation:

The entire contract clause is the agreement between the client and the insurer contained in the insurance contract .

The agreement contains the application if it is attached, declarations, insuring agreements, exclusions, conditions and other vital informations . It is essential in protecting both parties.

Al was just a beneficiary and the main paperwork frame and agreements was done by his mother which made him oblivious of some inner details of the insurance policy.

B) entire contract clause

Explanation:

According to a different source, these are the options that come with this question:

A) incontestable clause

B) entire contract clause

C) ownership clause

D) reinstatement clause

The provision that protects the insurer by making the application part of the formal agreement between the parties to the contract is the entire contract clause. The entire contract clause states that the entire agreement between the insured and the insurer is contained within the contract.  This clause is intended to protect both parties.

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