What symbolizes the entire agreement between the insurer and the insured?

The written policy and any amendments symbolize the entire agreement between the insurer and the insured. This is because the insurance policy is a formal contract that outlines the terms, conditions, coverages, and obligations agreed upon by both parties. It serves as the definitive source of the rights and responsibilities of the insurer and the insured. Any amendments made to the policy further clarify or modify the agreement, ensuring that all updates are documented and recognized as part of the contract.

In contrast, oral agreements or unwritten promises, though they might be relevant in informal discussions, do not hold legal weight in formal contracts, as they are not documented. The insurance application, while important in the underwriting process, does not encompass the complete agreement between the parties and may not include all the terms and conditions present in the policy itself. Therefore, the written policy, along with any amendments, is essential for establishing the full understanding and mutual consent between the insurer and the insured, making it the core symbol of their agreement.