Which provision prevents an insurer from changing the contract terms using unapproved documents?

The Entire Contract Provision is essential in protecting policyholders by ensuring that the insurance contract consists solely of the written agreement and any attached documents, such as endorsements or riders. This provision specifies that all terms and conditions must be included within the original policy documents that have been approved by regulators.

As a result, any changes to the contract terms cannot be made using any documents or materials that have not been officially approved or included in the policy. This helps maintain clarity and consistency in the contractual agreement between the insurer and the insured, ensuring that policyholders are not subjected to alterations or additional provisions that could negatively impact their coverage or benefits without their knowledge.

The other options, while relevant in the context of insurance contracts, do not specifically address the issue of unapproved documents impacting the terms of the contract.