What is the name of a contract that is drafted by an insurer and receives no input or alteration from the insured is considered?

A contract that is drafted by an insurer without any input or alteration from the insured is considered a "contract of adhesion." This type of contract typically features standard terms and conditions that the insured must accept as-is, with limited negotiation power. Because of this one-sided nature, courts often scrutinize such contracts for fairness and clarity.