Sally's friend, Cheryl, came over on Saturday morning to visit with Sally. Cheryl would be considered a(n) O licensee. O O invitee. O resident agent. trespasser. The part of the insurance policy that summarizes the major promises of the insurer is the O definitions. O exclusions. O insuring agreement. O conditions. Why are insurance contracts said to be contracts of adhesion? One party writes the contract, and the other party must accept the entire contract as written. Conditions are placed on the insurer's promise to perform. Only one party makes a legally enforceable promise. The values exchanged by the parties to the contract are not equal