Final answer:
The complete life insurance contract consists of the policy document and the attached application, as well as any formal amendments or riders. Sales material and verbal agreements are not considered legally enforceable parts of the contract.
Step-by-step explanation:
The entire contract of a life insurance policy consists of the policy document and any attached application. The correct answer to the question is D) policy and attached application. Any amendments, endorsements, or riders that are added to the policy at the time of purchase or afterwards are also part of the insurance contract. In contrast, conditional receipts, sales material, and verbal agreements are not legally enforceable parts of the insurance contract. A conditional receipt is a document given to the policyholder upon submitting a payment with the application, which might offer temporary coverage before the policy is formally issued. Sales material is used for advertising and explaining products, while verbal agreements have no standing unless they are documented and included as part of the insurance policy.