Which of the following is NOT a condition for the insurer's promise to pay benefits?

The correct selection highlights that obtaining approval from a third party is not a condition for the insurer's promise to pay benefits. In most insurance policies, the obligations of the insurer to provide coverage and pay claims are typically contingent upon certain conditions being met directly by the policyholder.

Making premium payments when due, reporting losses promptly, and cooperating with the insurer in settling any loss are standard conditions that insurance contracts impose on the insured to ensure that the insurer can appropriately assess risk and process claims. These steps are crucial in maintaining the insurance contract's validity and in the effective management of claims.

In contrast, requiring approval from a third party does not form a standard condition in most insurance agreements, as insurers evaluate claims based on the information and documentation provided directly by the policyholder and through their own assessments rather than needing external validation. This understanding reinforces the direct relationship between the insurer and policyholder, emphasizing that the accountability lies mainly within the terms of the insurance contract itself.