Choose the answer that best completes the following: An insurance company and policyholder have a dispute over a claim. The insurer believes the claim should not be paid because the contract excludes losses caused by the peril in question. The policyholder, however, believes that the contract language is ambiguous, and since insurance is a(n) ___________________, any ambiguous language should be resolved in his or her favor.

1. Aleatory contract
2. Conditional contract
3. Personal contract
4. Contract of adhesion
5. Unilateral contract