What provision states that the policy and the application together constitute the entire contract between parties?

The provision that states the policy and the application together constitute the entire contract between the parties is known as the entire contract provision. This provision is crucial in insurance policies because it ensures that the initiated agreement is fully documented within those two documents, meaning that no additional verbal agreements, side agreements, or prior negotiations can alter the terms of the contract once it has been signed.

This clarity protects both the insurer and the insured by establishing a definitive understanding of the obligations, coverage, and terms that govern the insurance relationship. If any disputes arise regarding the policy, the parties will rely on the written terms as the complete and final agreement. This provision helps to prevent misunderstandings and protects consumer rights by ensuring that everything promised is explicitly stated in the insurance documents.

In contrast, the other options refer to different concepts within insurance policies, such as conformity to state laws, duplication of policies, or types of coverages, but they do not relate to the encapsulation of the entire agreement as established by the entire contract provision.