State RegulationsMA specificDifficulty 1/5
Under M.G.L. c. 175, § 132(3), what makes up the entire contract for a Massachusetts individual life policy?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
M.G.L. c. 175, § 132(3) makes the policy together with a copy of the written application attached to it the entire contract. Statements outside that attached application cannot be used by the insurer in a defense of the policy. The entire-contract clause disciplines the sales process: what the applicant said matters only if it is in the application that travels with the policy.
Why the other options are wrong
- B) The application is not optional filing material; M.G.L. c. 175, § 132(3) makes the attached copy of the written application part of the entire contract.
- C) The producer's personal notes are outside the contract; M.G.L. c. 175, § 132(3) recognizes only the policy and the attached application.
- D) Verbal statements from the sales presentation cannot enlarge or defend the contract under M.G.L. c. 175, § 132(3); only the attached written application counts.
Memory hook
Policy plus attached application — that is the whole contract.