Which provision prevents an insurer from altering the terms of the contract based on documents not included in the policy?

The Entire Contract Provision is a critical element in life and health insurance policies that ensures the integrity and comprehensiveness of the insurance contract. This provision stipulates that the written policy, along with any endorsements or riders, constitutes the complete agreement between the insurer and the insured. As a result, it prevents the insurer from making changes to the terms of the contract based on any documents or representations that are not explicitly included in that policy.

This means that any alterations to coverage, terms, or any acceptance of risk must be documented within the boundaries of the official policy itself. It protects the insured from the possibility of the insurer attempting to rely on statements or informal communications made outside of the formal contract, which could cause confusion or misunderstanding regarding the coverage.

Other options do not serve the same protective function as the Entire Contract Provision. The Modification Provision pertains to how changes can be made to the policy terms but does not prevent changes from external documents. The Examination Provision relates to the insurer's right to review the insured's medical history or conduct examinations, and the Change of Beneficiary Provision deals specifically with the designation of beneficiaries rather than the comprehensive terms of the contract.