On an individual insurance application, which of the following signatures is NOT required?

On an individual insurance application, which of the following signatures is NOT required?

• A. The insurer's signature
• B. The applicant's signature
• C. The producer's signature
• D. The insured's signature

Answer: (A)

The key idea is who must acknowledge information on an individual insurance application. The insurer doesn’t sign the application because the insurer hasn’t yet committed to issue coverage—the application is a request for underwriting, not a contract. The producer signs to confirm the agent’s involvement and that the information was collected accurately. The applicant signs to certify the information provided and to authorize the underwriting process (including information gathering). The insured’s signature may be required if the insured differs from the applicant or to confirm consent, but the insurer’s signature is not required on the application itself.

The key idea is who must acknowledge information on an individual insurance application. The insurer doesn’t sign the application because the insurer hasn’t yet committed to issue coverage—the application is a request for underwriting, not a contract. The producer signs to confirm the agent’s involvement and that the information was collected accurately. The applicant signs to certify the information provided and to authorize the underwriting process (including information gathering). The insured’s signature may be required if the insured differs from the applicant or to confirm consent, but the insurer’s signature is not required on the application itself.