1. The entire contract provision in a health policy means:

The policy and any attached application together form the whole agreement

The entire contract provision establishes that the policy and attached application constitute the complete agreement, barring outside changes.

2. A guaranteed renewable individual health policy allows the insurer to:

Adjust premiums only by class while the insured keeps the right to renew

Guaranteed renewable coverage must be renewed if premiums are paid; the insurer may change rates only on a class basis.

3. A noncancelable individual disability policy means the insurer:

Cannot cancel or raise premiums as long as premiums are paid

A noncancelable policy guarantees both renewal and the premium as long as premiums are paid on time.

4. A pre-existing condition provision in an individual health policy generally:

May limit coverage for conditions present before the effective date for a stated time

Pre-existing condition provisions may limit coverage for prior conditions for a stated period, subject to applicable law.