Which of the following is NOT a part of an insurance policy?

An insurance policy typically includes several key components that define its terms and coverage. The declarations page provides essential information such as the policyholder's name, the insured property, and the coverage limits. Conditions specify the obligations and responsibilities of both the insurer and the insured, which can include payment of premiums and procedures for filing claims. Exclusions detail circumstances or events that are not covered by the policy, helping to clarify the limits of the coverage.

In contrast, the applicant's credit score is not a component of the insurance policy itself. While insurers may consider an applicant's credit score during the underwriting process to assess risk and determine premium rates, this information is not included in the actual policy document. Therefore, the applicant's credit score does not form part of the formal contract of insurance coverage.