Which document remains confidential and is not a part of the contract between the agent and the insurer?

The agent's report is considered a confidential document and is not typically part of the contract between the agent and the insurer. This report contains the agent's observations and insights regarding the applicant, which helps the insurer in assessing the risk associated with issuing a policy. However, it does not become a formal part of the insurance contract itself, as it is meant for the insurer’s internal assessment and is kept separate from the contractual obligations.

In contrast, the application, inspection report, and medical examination are generally integral parts of the contract. The application provides essential information about the applicant, while the inspection report offers a third-party perspective on the applicant's circumstances. The medical examination supplies critical health-related information that can influence underwriting decisions. Since these documents are necessary for the insurer to evaluate risk and to formalize the terms of coverage, they are integrated into the contractual relationship, unlike the agent's report which remains confidential and serves a different purpose.