(a) The policy must provide that the policy, or policy and application, constitute the entire contract between the parties. Regardless of any statement to the contrary, the policy will be deemed incomplete if it attempts to incorporate by reference the provisions of any instrument that changes or adds to the terms of the policy.(b) Some policy forms contain a provision that the application, if attached, constitute a part of the contract. If a policy containing such a provision is submitted without the application, the approval will authorize its issuance only without the application.