State RegulationsOH specificDifficulty 2/5
Which documents together make up the entire contract for an Ohio life insurance policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
ORC 3915.05(C) makes the policy plus the application (with a copy endorsed on the policy) the entire contract. The practical consequence is that only what appears in those documents can be used in interpreting coverage or contesting the policy, so underwriting materials gathered along the way carry no contractual weight once the policy is issued.
Why the other options are wrong
- B) The producer's report is the producer's underwriting observations; it supports the file but is not part of the contract.
- C) The attending physician's statement is underwriting evidence obtained before issuance, not a contract document.
- D) The inspection report is background information about the applicant's character and habits and has no contractual status.
Memory hook
Policy plus endorsed application equals the whole deal.