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were going to talk about some of the standard policy provisions adopted by the national association of insurance commissioners now this is going to be a series of videos here but im going to give them to you a few at a time so that you dont have to like watch an hour long video just to learn them all so the first one that were going to go over is the entire contract so the the entire contract in an insurance policy includes the policy itself a copy of the application and any writers and amendments or endorsements okay so its the actual policy that says hey like this is this is what you have and then the application that was submitted to the carrier so thats included in the final policy as well okay and then also any writers so a writer is something thats added to a policy so say you get like a whole life policy and then some whole life policies have the option to add a term to it almost like a little bonus an accessory right you can add that some have riders where theyll help
