State RegulationsAZ specificDifficulty 2/5
An applicant for a life policy in Tucson relies on oral statements made during the sales presentation that do not appear in the policy or the attached application. Under A.R.S. 20-1205, are those statements binding on the insurer?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
A.R.S. 20-1205 makes the policy plus the attached application the entire contract, so oral promises and other extrinsic matters cannot vary its terms. The Tucson applicant cannot hold the insurer to statements outside those documents.
Why the other options are wrong
- A) A producer's email is still outside the contract and beyond the producer's authority to change terms.
- B) Signing an illustration does not add contract terms; only the policy and attached application bind.
- D) There is no objection-filing mechanism that incorporates oral statements into the contract.
Memory hook
If it is not in the policy or application, it is not in the deal.