Insurance Policies Are Contracts of Adhesion

Insurance policies are contracts of adhesion.Which of the following statements best explains this phrase?

A) Insurers take full responsibility of the information provided by the insureds during the formation of the contract.
B) In case of a dispute, the court will read the contract as an insured would, and give decisions based on what the insured would understand after reading the contract.
C) Insureds have no input in the design of a policy's terms.
D) The insurer cannot void a contract, on the grounds of misrepresentation, after two years, even if it was a major fraud.
E) After the insurance policy is in force, it cannot be cancelled or terminated until the contract period expires.