Which provision makes the application part of the annuity contract?

The Entire Contract clause is the correct answer because it ensures that the application, along with the policy document itself, constitutes the complete agreement between the insurer and the policyholder. This provision is critical in annuity contracts because it guarantees that all terms and conditions included in the application, as well as any additional information provided during the application process, are binding and enforceable as part of the contract. This means that if there are any discrepancies between the application and the policy provisions, the Entire Contract clause dictates that the details within the complete contract as issued by the insurer take precedence.

In contrast, the other options do not serve the same purpose. The Application clause generally refers to specific terms regarding how the application is evaluated but does not itself make the application part of the contract. Policy endorsements refer to changes or additions made to the policy after it has been issued, while the Insurance agreement typically outlines the coverage but does not specifically encompass the application as part of the binding contract. Therefore, the Entire Contract clause is essential for integrating the application into the annuity contract, ensuring that it is treated as a fundamental component of the agreement.