A policy of adhesion can only be modified by whom?

A policy of adhesion is characterized by its take-it-or-leave-it nature, meaning that it is drafted by one party (usually the insurance company) and presented to another party (the policyholder) without any negotiation on the terms. Because the insurance company creates the policy and holds the power regarding its terms, any modifications to the policy can only be made by the insurance company itself.

This principle reinforces the idea that the policyholder has little to no ability to alter the contractual language or stipulations of the policy, thus placing the responsibility and authority of modifications solely in the hands of the insurer. This is further emphasized by the fact that any changes, amendments, or endorsements to the contract must be officially executed by the insurance company to be valid, ensuring that the integrity and enforceability of the contract are maintained.