1. The entire contract provision means the contract consists of:

the policy and the attached application

The entire contract is the policy together with any attached application; outside documents cannot be incorporated by reference.

2. If an insured understated their age on a life application, at death the insurer will:

adjust the benefit to what the premium would have purchased at the correct age

The misstatement of age provision adjusts the benefit to the amount the premium paid would have bought at the correct age.

3. A typical life insurance suicide clause provides that, if suicide occurs within the stated period, the insurer will:

refund premiums paid rather than pay the face amount

If suicide occurs within the policy's suicide period, the insurer's liability is generally limited to a refund of premiums paid.

4. Dividend options on a participating whole life policy allow the owner to:

take cash, reduce premiums, buy paid-up additions, or leave dividends at interest

Participating policy dividends may be taken in cash, applied to premiums, used to buy paid-up additions, or accumulated at interest.