Insurance Policy. This Insurance Policy Wording, the Benefit Plan, the Policy Schedule, the Certificate and any Endorsements thereon constitute the entire agreement (“Insurance Policy”) between the Insurer, the Policyholder and the Insured. These documents shall be applied in the following order of priority:
(i) The Endorsements;
(ii) the Certificate;
(iii) the Policy Schedule;
(iv) this Liberty HealthCare Insurance Policy Wording; and
(v) the Benefit Plan. No agent is authorized to alter or amend the Insurance Policy, or to waive any of its provisions. All changes of the Insurance Policy must be accepted in advance by the Insurer.
Insurance Policy. The Insurance Policy as described in Article 2.