In a contract that is said to be unilateral, which party has the enforceable promise?

In a unilateral contract, only one party makes a binding promise that the other party can accept by fulfilling a condition, typically by performing an action. In the context of insurance, this means that the insurer makes a promise to pay benefits or provide coverage in exchange for the insured agreeing to pay premiums. The enforceable promise is with the insurer, who is obligated to fulfill their promise if the insured complies with the contract terms, such as paying premiums and adhering to policy conditions. The insured, on the other hand, does not have an enforceable promise to provide or perform anything in return beyond their obligation to pay premiums. This clear distinction illustrates how unilateral contracts function, emphasizing that the insurer is the party with the enforceable promise in an insurance contract.