What type of contract requires adherence without the opportunity to change?

A contract of adhesion is characterized by its one-sided nature, where the terms are set by one party and the other party must accept those terms without negotiation. This type of contract is often used in situations where one party has significantly greater power or control, such as insurance policies or consumer agreements. The party accepting the contract typically has no option to alter the provisions laid out, which creates a lack of bargaining power.

Comparatively, personal contracts involve mutual agreement between parties and can often be tailored to fit individual needs. Conditional contracts contain specific conditions that must be met for the contract to be enforceable or effective, allowing for a level of negotiation or adjustment based on those conditions. Unilateral contracts involve one party making a promise in exchange for an act by another party, and adjustments may apply based on the conditions of performance.

This is why a contract of adhesion is specifically recognized for its inflexibility and requirement for adherence as is, leading to the selection as the correct answer.