Supplementary compositions, for example, letters sent after the final agreement can make the insurance strategy a non-integrated contract. Oral agreements are liable to the parol proof guideline, and may not be viewed as part of the approach if the contract appears to be entirety. Advertising materials and circulars are typically not part of a policy.
One insurance course book states that generally "courts consider all earlier negotiations or agreements ... each contractual term in the approach at the season of conveyance, as well as those composed afterward as arrangement riders and supports. with the two parties' assent, are part of the composed policy". The course book also states that the strategy must allude to all papers which are part of the policy. Insurance contracts are generally viewed as contracts of adhesion because the safety net provider draws up the contract and the protected has almost no ability to make material changes to it.