What element makes the application part of the contract between the insured and the insurer?

The entire contract provision is crucial because it stipulates that the insurance policy, along with the application and any riders or endorsements, constitutes the complete and final agreement between the insured and the insurer. This provision ensures that the application is integral to the policy because it contains essential information provided by the applicant, which the insurer relies on when underwriting the risk and determining coverage.

In this context, if the application contains any inaccuracies or omissions, the insurer may have the right to deny claims or rescind the policy based on the information provided in the application. Thus, the entire contract provision underscores the importance of the application as part of the binding contract between both parties.

Other options, while they may sound relevant, do not precisely capture the function of the application in forming the contractual relationship. A policy endorsement alters the original terms of the contract but does not inherently make the application part of it. The application form clause might refer to specific terms related to the application but does not encompass the entire contract. Solemn affirmation is about confirming the accuracy of statements made but lacks the comprehensive nature needed to define the application’s purpose in the contract.