What term describes the provision stating that both the policy and a copy of the application form the contract?

The term that describes the provision stating that both the policy and a copy of the application form the contract is referred to as the "Entire contract." This concept emphasizes that the entire agreement between the insurer and the insured is contained within the policy document itself, along with the application. It asserts that no statements or promises made during the application process that are not included in the written contract can be used to alter the terms of the agreement.

This provision protects the policyholder by ensuring that they can rely solely on the document they have signed, and it prevents insurers from later introducing additional terms or conditions that were not explicitly included in the policy or application. The incorporation of both documents into a single contract ensures clarity and transparency in the insurance arrangement.

In contrast, the other terms listed do not specifically align with this definition. The "Complete contract" is not standard terminology in insurance, "Aleatory contract" refers to contracts where the outcomes are based on chance, and "Total contract" is also not a recognized term in this context. Thus, "Entire contract" is the appropriate phrasing for the concept described.