Bruce left a question about heart disease blank on his life insurance application because he wanted to speak with his doctor before answering. After speaking with his doctor, he forgot to complete that question and the application was submitted. The insurance company issued the policy. Several weeks later, Bruce was speaking with his insurance agent and told the agent that Bruce did, in fact, have heart disease. Bruce died 9 months later and the insurance agent and told the company he knew Bruce did have a heart condition at the time the policy was issued. The insurance company tries to deny payment on the life insurance policy. Which life insurance policy provision will require the life insurer to pay the beneficiary even through Bruce did not disclose his heart problem on the application?

A) beneficiary clause

B) entire contract clause

C) ownership clause

D) change-of-plan provision