According to the Entire Contract provision, what must be included in a life insurance policy?

The Entire Contract provision in life insurance policies stipulates that the policy itself, along with the application for insurance, constitutes the complete agreement between the insurer and the insured. Therefore, including a copy of the original application for insurance is essential because it outlines the information provided by the applicant, which the insurer relies upon when issuing the policy. This provision ensures that no additional documents or statements outside of the policy and application can alter the agreement or the terms of coverage.

The inclusion of the original application helps in maintaining clarity and transparency, as it provides context on the insured's health history and other relevant information at the time of the policy issuance. Having this document as part of the contract aids in ensuring that issues such as misrepresentation or fraud can be appropriately evaluated in the context of the original application.

While items like a buyer's guide or a list of former insurers may be useful or informative, they do not form part of the contractual obligations set by the Entire Contract provision; hence, they are not required components of the policy.