Which of these is NOT considered to be a right given to a policyowner?

The correct answer is based on the principle that a policyowner has specific, outlined rights regarding their insurance policy, while some actions may require the consent of the insurance company or adherence to certain regulations.

Generally, the rights granted to a policyowner include the ability to change the beneficiary, access policy information, and cancel the policy during the free look period, which allows for a reconsideration of the policy's terms. These rights are designed to give the policyowner control and opportunities for adjustments as their circumstances change.

In contrast, modifying a provision in the insurance contract is not typically a right afforded to the policyowner without the insurance company's agreement. Any changes to the provisions of the contract usually must be formally agreed upon by both parties. This ensures that the terms of the contract remain consistent and that any modifications do not inadvertently affect the insurer's obligations or coverage details.

Therefore, while the other options reflect rights that policyowners have as part of their ownership, the ability to unilaterally modify the contract provisions is not one of those rights.