Which policy requires the insurer to specifically modify terms or benefits?

A policy of adhesion is a type of insurance contract that is characterized by its take-it-or-leave-it nature. These contracts are drafted by the insurer, and the insured must accept the terms as they are presented, without any opportunity to negotiate the terms or modify benefits. If there is a need for modification in terms or benefits, it typically requires the insurer's initiative to alter the contract.

In the context of insurance policies, whole life, term life, and variable life insurance types are more structured and defined, focusing on specific coverage and benefits outlined at the time of purchase. While modifications can occur in these types of policies due to changes in circumstances or additional options, it is not inherently embedded in their structure as it is in a policy of adhesion.

Thus, the correct answer demonstrates the unique nature of a policy of adhesion requiring specific actions on the part of the insurer to modify any of its terms or benefits, as opposed to standard life insurance policies, which operate under different principles and frameworks.