Licentiate Exam - IC 02 Practice of Life Insurance Exam - Important Points
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A policy document represents property and as such a policyholder may require the document for making an assignment or pledging it against a loan.
In order for the policy document to be enforced in a court of law, it must be signed and stamped as per the Stamp Act.
The schedule contains the specific particulars relating to the insurance contract
No changes can be made to the policy unless they are agreed upon by both the policyholder and the insurer.
The insurer must try to ensure that there will be no adverse selection against them when they consider a request for alteration.
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