Under Florida's entire contract provision for individual life insurance, which documents together constitute the entire agreement between the insurer and the insured?

Why this is the answer

Florida's entire contract statute, §627.454, requires every life insurance policy to provide that the policy — together with the application if a copy is endorsed on or attached to the policy at issue — constitutes the entire contract between the parties. This excludes any oral statements made during the sale, side agreements, the agent's promises, and the insurer's internal underwriting notes. The protection runs both ways: the insurer cannot rely on documents outside the contract to deny claims, and the insured cannot enforce promises that were not put into the policy. Per Fla. Stat. §627.454.