1. Under the entire contract provision of a health policy, a valid change to the contract requires:

Endorsement approved by an executive officer of the insurer

Changes to the health contract are valid only when approved by an officer of the insurer; an agent cannot alter the contract.

2. The payment of claims provision in a health policy generally directs that benefits be paid:

To the insured, with any death benefit to a named beneficiary

Benefits are generally payable to the insured, with any death benefit paid to the designated beneficiary.

3. The right-to-examine (free-look) provision in an individual health policy allows the insured to:

Return the policy within the stated period for a full premium refund

The free-look provision lets the insured return the policy within the stated period for a full refund if not satisfied.

4. The insuring clause of a health insurance policy:

States the insurer's basic promise to pay benefits for covered losses

The insuring clause is the insurer's basic promise to provide the benefits described for covered losses.