Which health policy provision states that the producer does NOT have the authority to change the policy or waive any of its provisions?

The provision that indicates the producer does not have the authority to change the policy or waive any of its provisions is known as the Entire Contract clause. This provision asserts that the insurance policy itself, including the application and any amendments, constitutes the complete agreement between the insurer and the policyholder. As a result, any changes to the policy or waivers of its provisions must be made in writing and signed by an authorized representative of the insurance company, not by the producer. This ensures that the terms of the insurance contract remain intact and that the policyholder is protected from unauthorized modifications that could potentially alter their coverage.

In contrast, the other provisions listed serve different roles. Conditions typically outline the specific obligations of the policyholder and the insurer, while exclusions specify what is not covered under the policy. Declarations include basic information about the insured, coverage limits, and premiums but do not address authorization regarding policy changes. Thus, the Entire Contract provision is unique in ensuring that no individual, including the producer, can unilaterally change the agreement.