State RegulationsMI specificDifficulty 1/5
An insured in Grand Rapids wants to add a benefit change to her individual accident and health policy after issuance. Under Michigan's entire contract rule, how may the change be made?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
M.C.L. 500.3407 provides that the entire contract is the policy plus the application copy, and changes are effective only when made in writing by endorsement or rider attached to the policy. This keeps every coverage change in the insured's hands on paper and prevents undocumented modifications.
Why the other options are wrong
- A: A letter from the insured cannot modify a contract that the entire-contract clause fixes; the change must be attached to the policy itself.
- C: A producer's verbal or email agreement has no contractual effect under the entire-contract rule.
- D: Internal claim-file notes are not policy amendments and never alter coverage.
Memory hook
If it is not attached, it is not changed.