What is the document attached to an insurance policy to change its conditions or provisions called?

The correct answer is found in the term used to describe an attachment that modifies the terms of an insurance policy. An endorsement is specifically a document that is attached to an insurance policy to either add, delete, or alter the coverage provided by the policy. This could involve changing limits, adding new coverages, or adjusting existing terms.

Endorsements ensure that the policy reflects the current needs of the insured and can be critical for maintaining appropriate coverage. While terms like addendum, rider, and amendment may seem similar in their function of altering or clarifying documents, within the context of insurance policies, "endorsement" is the industry-standard term used to denote this specific alteration or addition to the policy's conditions or provisions.

Understanding endorsements is essential for insurance representatives as they frequently encounter situations where clients may need adjustments to their coverage, requiring a careful review and application of endorsements to their policies.