Who can modify a policy of adhesion?

A policy of adhesion is characterized by its one-sided nature, where one party (the insurer) drafts the contract and the other party (the insured) must accept it as is, without negotiation. This means that any modifications or changes to the terms of the policy can only be made by the party that created it, which is the insurance company.

The insurance company holds the authority to alter the provisions of the policy. This can occur through endorsements or amendments that they provide, ensuring that any changes meet regulatory requirements and align with their underwriting guidelines. Only the insurer has the legal standing to alter the terms since they are the ones who established the original contract and take on the risk.

Other parties involved, such as the agent, the applicant, or the primary beneficiary, do not possess the authority to unilaterally modify the contract. The applicant may request changes, but ultimate discretion rests with the insurance company. Similarly, beneficiaries do not have the contractual rights to modify policies as their role pertains primarily to receiving benefits under the terms set out by the insurer.